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TATA AIG MediSenior Insurance

1. Coverage amount
2. Age of senior member of the family
  OR age   
Policy Duration
3. Start Date
4. End Date
*Optional
  • Available for 61 years and above
  • Buy policy for 2 years to get 7.5% discount
  • Lifelong renewal provided
  • Eligible for a tax deduction benefit upto Rs 20,000
Medisenior Health Insurance
  • Features
  • Coverage
  • Co-Payment
  • In-patient Treatment
    The Medical Expenses for: Room rent, boarding expenses, Nursing, Intensive care unit, Medical Practitioners, Anaesthesia, blood, oxygen, operation theater charges, surgical appliances, Medicines, drugs and consumables, Diagnostic procedures, The Cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure
  • Eligibility Criteria
    • Individuals aged 61 years and above are eligible
  • Policy options
    • Individual
    • Family discount of 5% is available when self and spouse are insured under TATA AIG MediSenior plan
    • Choice of paying the premium for 1 year or 2 years
    • Discount of 7.5% is available if the premium is paid 2 years in advance
  • Sum Insured options
    • 2 lakhs, 3 lakhs, 5 lakhs
  • Pre-policy check
    • Mandatory and must be done in a diagnostic center in the network
    • Reimbursement of 50% of the expenses incurred if the proposal is accepted
    • Medical reports are valid for 90 days from the pre-policy check-up date
  • Claims Free Discount
    • Offers 5% non-cumulative discount on the premium to be paid for renewing if there are no claims in the previous years.
  • In-patient Treatment: Room rent, ICU, nursing, medicines drugs and consumables
  • Pre Hospitalization: Expenses incurred up to 30 days prior to hospitalization
  • Post Hospitalization: Expenses incurred up to 60 days immediately after discharge from hospital
  • Domiciliary Treatment: Expenses incurred while getting treated at home on an advice from the attending medical practitioner which could not be transferred to hospital or due to unavailability of hospital bed
  • Emergency Ambulance: Maximum up to Rs.2,000/- per hospitalization used for ambulance service for transporting the insured to the nearest hospital offering necessary services
  • Day Care Procedures: Medical expenses incurred for any of the 140 day care procedures requiring not more than 24 hours of hospitalization
  • Organ Donor: Inpatient medical expenses incurred on the insured and the organ donor during a organ transplant surgery
  • Tax Benefit: Income Tax Benefit under section 80D
Co-payment for Accommodation Type
  • Shared Accommodation or any lower accommodation type: Insured has to pay 15% of the admissible claim amount
  • Single Occupancy or any higher accommodation type: Insured has to pay 30% of the admissible claim amount
Co-payment for Day Care Procedures
  • Insured has to pay 15% of the admissible claim amount for expenses incurred from day care procedures
Co-payment for Specific illness/surgeries
For expenses incurred from treatment of the following illnesses and Surgeries, the insured has to pay 30% of the admissible claim amount.
  1. Cataract(each eye)
  2. Hysterectomy
  3. Cholecystectomy
  4. Transurethral resection of the prostate (TURP) / Benign prostate surgery
  5. Surgery of Hernia
  6. Angiography (CT Angiogram excluded)
  7. Arthroscopy
  8. PID - Discectomy
  9. Mastectomy
  10. Joint replacement
  11. PTCA (Angioplasty)
  12. Hydrocele
  13. Major organ Transplant
  14. Coronary Artery Bypass Graft (CABG)
Note: If a claim is accepted for any of the above mentioned surgery then no additional co-payment will be applicable on the accommodation for the same claim. No 2 different co-payment will be applicable for a single claim.

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