TATA AIG MediPlus – Top-up Medical Health Insurance Plan

What is the Plan all About?

Managing health is one of the major concerns when you are looking to lead a healthy life. MediPlus is a top up health insurance plan that can be taken with your current health insurance. It helps you get a higher health cover at an affordable premium. MediPlus supplements your primary health insurance cover.

Key Features

Coverage at reasonable price
Grab premium discounts upon choosing the policy
Get cashless hospitalization with 3000+ hospitals across India
Hassle free and quick settlement of claims
Lifelong renewability

Policy Benefits

In-patient hospitalization expenses are covered, for which the insured person requires hospitalization for a minimum period of 24 hours.
Pre hospitalization expenses are covered for 60 days before hospitalization and post hospitalization expenses covered for 90 days after hospitalization.
140 Day care procedures/surgeries are covered, for which the insured person requires hospitalization for less than 24 hours.
Medical expenses incurred towards domiciliary treatment are covered.
Organ donor expenses incurred towards harvesting the organ from the donor are covered.

Value Added Benefits

Ambulance Charges are covered towards insured’s transportation to the hospital for treatment of the disease/injury/illness.
Waiver of deductible is applicable, in case you migrate to Tata AIG’s health insurance policy with 5 Lacs sum insured.
No pre-policy medical check-up up to 45 years of age.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

No Room sub-limit is applicable under this plan.
Deductible is applicable for each and every hospitalization.
Actual expenses incurred or Rs 2000 whichever is less, is covered towards emergency Ambulance Charges.

Waiting Period Clause

Initial Waiting Period: Claims arising during first 30 days of the policy start date, except accidental claims.
Specific Waiting Period: 24 months Waiting Period will be applicable for specific illnesses.
Pre existing Disease Waiting Period: Any pre-existing disease until 48 months of continuous policy coverage, from date of inception of the first policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 91 Days	Adult: 65 Years, Children: 21 Years
Sum Assured	5 Lacs	5 Lacs
Deductible	1 Lac	5 Lacs
Cover Type	Individual/Family	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-