Fast Forward Banner
Locate Nearest Branch Buy Now

Tata AIG MediCare

Axis Bank offers you Tata AIG Medicare, a simplified and comprehensive Health Insurance plan. The product is designed keeping in mind the important role that your health insurance plays considering the cost of medical emergencies. With a legacy built on trust be rest assured that we will not compromise on your health insurance and neither should you.

  • No Medical Tests

  • Tax Benefit

  • High Sum Insured

  • Global Cover

Benefits for you
Eligibility and Coverage Details
FAQs
Important Information
  1. Restore benefits: automatically restore the basic sum insured upon exhaustion of the sum insured and accrued cumulative bonus, during the policy period
  2. Consumables benefit: covers expenses incurred, for specified consumables, which are consumed during the period of hospitalization directly related to the insured person's medical or surgical treatment of illness /disease/injury
  3. Cumulative bonus: 50% cumulative bonus will be applied to the sum insured for the next policy year under the policy after every claim-free policy year, provided that the policy is renewed with us and without a break. The maximum cumulative bonus shall not exceed 100% of the sum insured in any policy year.
  4. Wellness services: facilities designed to assist in maintaining and improving good health and fitness. 8 teleconsultations (general physician) through telecommunication and digital communication technologies by a qualified medical practitioner Ambulance booking facility through our empaneled service provider that will provide a facility to book a road ambulance in India.

Coverages-

  1. In-patient treatment
    Covers expenses for hospitalization due to disease/illness/injury during the policy period that requires an insured person's admission to a hospital as an inpatient. Medical expenses directly related to the hospitalization would be payable
  2. Day care procedures
    Covers expenses for 540+ day care treatment due to disease/ illness/injury during the policy period taken at a hospital or a daycare center
  3. Vaccination cover
    Covers expenses related to the human papillomavirus (HPV) vaccine & hepatitis b vaccine after 2 years of continuous coverage and anti-rabies vaccine & typhoid vaccination without any waiting period
  4. Compassionate travel
    Covers expenses up to 20,000 related to a round-trip economy class air ticket, or first-class railway ticket, to allow the immediate family member to be at the insured person's bedside during his stay in the hospital.
  5. Optional accidental death rider
    Covers 100% of the sum insured in the event of the death of an insured person due to an accident. This benefit is not applicable to dependent children covered in the policy.


Eligibility and Coverage Details
Family DefinitionSelf + Spouse + 2 kids
Entry age (Adult)18 yrs to 65 yrs
Entry age (Child)Minimum entry age will be 91 days
Policy tenureAnnual (1yr, 2yr, 3yr)
Sum insured (Individual & floater basis)INR 3 lakhs, 4 lakhs, 5 lakhs, 7.5 lakhs, 10 lakhs, 15 lakhs, 20 lakhs
Pre-Post hospitalization60-90 days respectively
Day care treatment540+ listed procedures
Domiciliary treatmentCovered
Pre-existing & specific illness waiting periodCovered after a waiting period of 2 and 3 years respectively.
Initial waiting period30 days (except in the case of accident cover which is from day 1)
Health check-upUp to 1% of the previous sum insured subject to a maximum of Rs.10,000/- per policy.
Compassionate travelCovers expenses up to Rs.20,000 to allow the immediate family member to be at the insured person's bedside during his stay in the hospital
Restore benefitAutomatically restore the basic sum insured upon exhaustion of the sum insured and accrued cumulative bonus, during the policy period. This benefit can be availed once during the policy period
Ambulance coverUp to Rs.3000 per hospitalization
AyushCovers on an in-patient basis hospitalization treatment
Pre-Policy Check-up (PPC)
Age (yrs.)/sum insuredAll sum insured options
Up to age 45No medical/no telemedical examination report
46+Tele- medical examination report (Tele Mer)
Note: In case of adverse medical declaration, we may call for TeleMER/additional medical tests at our network of diagnostic centers.
General Exclusions:

Medical exclusions:

  • Congenital external diseases, defects, or anomalies
  • Alcoholic pancreatitis

Non-medical exclusions:

  • Intentional self-injury or attempted suicide while sane or insane
  • Any insured person attempting to commit a breach of law with criminal intent
  • Expenses for treatment rendered by a medical practitioner which is outside his discipline

Please refer to policy wordings for a complete list of benefits and exclusions.

Waiting period:
  • Policy coverage starts 30 days from the first inception of the policy (except for accidents)
  • Any listed Conditions, Surgeries/Treatments will be covered after a waiting period of 24 months
  • Any pre-existing condition will be covered after a waiting period of 36 months.
Tax Benefit:
The premium amount paid under this policy qualifies for deduction under 80D of the Income Tax Act. This benefit is not applicable for the premium amount paid towards accidental death benefit if opted for and for a premium paid in cash/ or by demand draft.
Tax benefits are subject to changes in Income Tax Law.
Claim Procedure:
  • Intimation & Assistance: Please contact Us at least 48 hours prior to an event that might give rise to a claim. For any emergency situations, kindly contact Us within 24 hours of the event.
  • Claim Related Information: For any claim-related query, intimation of claim, and submission of claim-related documents, you can contact us through:

Name: TAGIC Health Claims
Email: healthclaimsupport@tataaig.com
Toll-Free: 1800 266 7780 or 1800 229 966 (For Senior Citizens) Website: www.tataaig.com
Submit claim: Tata AIG General Insurance Company Limited, 5th and 6th Floor, Imperial Towers, H. No 7-1-6-617/A, GHMC No - 615,616, Ameerpet, Hyderabad – 500016, Telangana, Phone-040-66864900

  • For a list of network hospitals, please visit a website
  • In case if the insured person opts for shared accommodation under the policy, but gets admitted in a room category higher than that, then 10% of the admissible claim amount will be borne by the insured person.
Terms and Conditions
  • Minimum entry age - 91 days
  • Policy Tenure Options-1/2/3 Years
  • Covers up to 7 members (Self, Spouse, up to 3 dependent children, and up to 2 parents/
  • parents-in-laws)
  • You have a period of 15 days from the date of receipt of the policy document to review the policy terms/conditions. In case of any policy-related objections, you have the option to cancel the policy, and the premium will be refunded as per the free-look regulation laid down by IRDAI.
  • We may apply risk loading (max. individual loading up to 100% of premium per medical condition) based on the individual's health status. Maximum overall risk loading shall not exceed 150% of the premium per individual
  • There will be no premium refund in case of cancellation due to non-disclosure of material facts, misrepresentation, or fraud
  • A grace period of 30 days from the policy expiry is available. Coverage is not available during the grace period
  • Sum insured can be enhanced only at the time of renewal subject to our underwriting guidelines
  • In case you want to port your policy to Us, apply at least 45 days prior to the policy renewal date and IRDAI portability guidelines shall apply
  • Any product revision/modification/future withdrawal will be done with the approval of IRDAI and will be intimated to You at least 3 months in advance. In case of withdrawal, you have the option to migrate to our similar health insurance product

Disclaimer

Prohibition of Rebates

Section 41 of the Insurance Act, 1938 as amended by the Insurance Laws (Amendment) Act, 2015.
No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer.
Any person making a default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees.

Section 64 VB Insurance Act 1938:

Commencement of risk cover under the policy is subject to receipt of premium by Tata AIG General Insurance Company Limited.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

IRDAI registration number: IRDA of India Registration No.: 108
UIN: Tata AIG MediCare UIN- TATHLIP24159V042324
CIN: U85110MH2000PLC128425
Address: Peninsula Business Park, Tower A, 15th Floor, G. K. Marg, Lower Parel, Mumbai- 400013, Maharashtra, India | 24x7 Toll Free No. 1800 266 7780 or 1800 22 9966 (Senior Citizen) Email: customersupport@tataaig.com | Visit us at www.tataaig.com