TATA AIG MediRaksha Plan

What is the Plan all About?

MediRaksha is a health insurance policy that takes care of any medical emergency for you & your family. It is a medical insurance plan, covering hospitalization and surgical treatments.

Key Features

Comprehensive health cover for your family
Grab 7.5% discounts on buying 2 year policy term
No loading on renewal premium
Hassle free and quick settlement of claims
Lifelong renewability

Policy Benefits

In-patient hospitalization expenses are covered as mentioned in the Policy.
Pre hospitalization expenses are covered up to a maximum of 30 days before you are hospitalized and Post hospitalization expenses are covered up to a maximum of 60 days after you are discharged.
144 day care procedures which need the insured to be hospitalized for less than 24 hours are covered.
Organ donor expenses incurred towards harvesting the organ are covered.

Value Added Benefits

Sum Insured can be enhanced upon renewal of the policy.
Health check-up is covered after 4 continuous claim-free policy years.
Pre-policy medical check-up is not required up to 55 years of age.
Avail cashless facility across a wide network of hospitals.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

Room Rent: Up to 1% of the sum insured is payable towards room rent per day basis.
Copayment of 15%, on each and every claim under this policy
15% co-pay applies for each and every claim.
ICU charges per day are capped up to 2% of the sum insured.
1% of the sum insured or actual expenses incurred, whichever is lower is payable for each pre & post hospitalization.
Health check-up is covered up to 1% of the sum insured, subject to a maximum of Rs 1000 for each insured person.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Specific Waiting Period: 2 Years Waiting Period will be applicable for specific illnesses.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 4 years from the issuance 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	0.5 Lac	1 Lac
Cover Type	Individual/Family	-
Policy Tenure	1 Year	2 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-