TATA AIG MediSenior Plan

Policy Benefits

• In-patient treatment expenses such as room rent, ICU charges, medicines, drugs, diagnostic procedures, etc. are covered.
• Pre hospitalization expenses when incurred before hospitalization are covered up to 30 days.
• Post hospitalization expenses when incurred after getting discharged from the hospital are covered up to 60 days.
• 140 listed day care procedures for which the insured person needs to get hospitalized for less than 24 hours are covered.
• Domiciliary treatment expenses are covered after continuous hospitalization for at least 3 days.
• Organ donor expenses are covered for harvesting the organ.

Value Added Benefits

• Emergency ambulance charges are covered under this policy.
• Get the cumulative discount. 5% premium discount is applicable for each claim-free policy year.
• Enjoy 5% family discount and 7.5% discount for when paying premium of 2 years in advance.
• There is an option to migrate to similar indemnity health policy.
• Cost of pre-policy check-up is reimbursed under this policy.
• Premiums paid can avail tax exemption u/s 80D of the Income Tax Act, 1961.
• Sum insured can be enhanced at the policy renewal, provided no claim has been lodged/paid under this policy.
• Lifelong renewability is available and get covered throughout your life.
• Portability benefit is available under this policy.
• Enjoy quick & hassle-free settlement of claims.

Sub Limits

• 15% co-pay applies for all day care procedures. There is co-pay of 15% for shared or lower accommodation type and 30% for single occupancy or higher accommodation type. 30% co-pay also applies for specified illnesses or surgeries.
• Ambulance charges are capped up to Rs 2000 or actual expenses per hospitalization whichever is less.
• 50% cost incurred towards pre-policy medical check-up is reimbursed per insured, on acceptance of the proposal.

Waiting Period Clause

• Initial Waiting Period: There is a waiting period of 30 days for any claims to be admissible.
• Specific Waiting Period: Some illnesses such as Sinusitis, Pancreatitis, Cataract, etc. are covered after 2 years of continuous policy coverage.
• Pre-existing Disease Waiting Period: Any pre-existing disease/illness/injury is covered after 4 years of continuous policy coverage.