Tata AIG General Insurance Company is a joint venture between the Tata Group and American International Group.
The Tata AIG MediSenior is a transparent health insurance policy that focusses on senior citizens. After retirement, you can focus on your good health without any financial stress.
Minimum : 61 years
Maximum : No Limit
Maximum Members : 2
Maximum Adults : 2
Maximum Children : 0
2/3/5 lakhs
5% non-cumulative discount offered on the premium at renewal after each claim-free year
1 and 2 years
50% of expenses incurred by insured will be reimbursed on acceptance of proposal.
Validity of reports is 90 days from date of pre-policy check-up
Minimum : 61 years
Maximum : No Limit
Maximum Members : 2
Maximum Adults : 2
Maximum Children : 0
2/3/5 lakhs
5% non-cumulative discount offered on the premium at renewal after each claim-free year
1 and 2 years
50% of expenses incurred by insured will be reimbursed on acceptance of proposal.
Validity of reports is 90 days from date of pre-policy check-up
Due to scientific advancement, around 140 surgical procedures/treatments do not require you to be hospitalized for a minimum of 24 hours to raise a claim.
In this policy, if you don’t make any claim, you earn a cumulative bonus of 5% of the sum insured.
The medical expenses that are incurred due to harvesting organ from the donor for organ transplantation
The insurance company will compensate you for the medical expenses related to your hospitalization 30 days before the hospitalization.
The insurance company will pay you for the medical expenses related to your hospitalization 60 days post hospitalization.
It covers expenses incurred in event of organ transplantation
You can avail medical treatment at home up on the advice of a physician.
This plan provides reimbursement of expenses of Rs. 2000 incurred per hospitalization on emergency ambulance service provider.
For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.
On shared accommodation or any lower accommodation type, 15% copayment is applicable and that has to be borne by you.
On single occupancy or any higher accommodation type, 30% copayment is applicable and that has to be borne by you.
A 30 days cooling off period for all claims except any arising out of accidental injuries.
The policy covers some specific diseases/treatments only after 24 months. These include Cataract, Arthritis, Hernia, Kidney Stone, and so forth.
You can claim for any pre-existing conditions after 48 months from the policy start date.
The Plan will not cover any liabilities towards the treatments of following conditions-
This Tata AIG MediSenior policy takes care of your health problems without eating into your savings. It’s designed for Senior Citizens of 61 years and above as people in this category are prone to ailments. You can choose from the range of sum insured amount as per your requirement. And the best part is that you can enjoy lifelong renewals with this policy.
**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.
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