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Health Insurance 1626 views October 20, 2020
Tata AIG is one of the known and famous insurance companies. It offers various insurance plans that will help you to secure yourself from health problems. There is a health insurance plan known as the Tata AIG Medical Plus plan which covers various hospitalization expenses. It reimburses all the expenses that occurred during a health issue. On the other hand, if you are going for an ayurvedic treatment then it is also covered in this health plan. There are many more benefits of this health plan and it is available at an affordable premium. So, you must first explore the key features of this insurance plan and then go through the benefits.
Table of Contents
You can see the various risks and expenses that are covered in this policy. You must go through all the benefits in order to understand this plan better.
This insurance plan covers the expenses incurred during hospitalization. If in case you are hospitalized then the company will pay the medical expenses incurred for the treatment. The company will reimburse only those expenses that are directly related to the hospitalization.
You will get a cover for the pre-hospitalization expenses prior to 60 days to hospitalization. On the other hand, you will get reimbursement for the
post-hospitalization expenses for up to 90 days after discharge from the hospital.
Treatments received within a day without being hospitalized is known as the day care treatment. So, you will get the reimbursement for the day care treatment expenses in the Tata AIG Medicare Plus Plan.
If in case you are going for the organ transplant surgery then those expenses are covered in this insurance plan. All the medical and surgical expenses incurred will be reimbursed by the company.
Sometimes the doctor advises the patient to stay at home and continue the treatment. So, the expenses for home treatment are covered in this health insurance plan. These expenses are also known as domiciliary expenses.
Sometimes the insured prefer ayurvedic treatment for a specific disease. So, the cost of AYUSH treatment is also covered in this plan. AYUSH Treatment includes the following treatments:-
An ambulance is needed to take the patient from one place to another and it involves certain expenses. So, the ambulance charges are also covered in this plan. The maximum reimbursement for the ambulance expenses is up to Rs.3000 per hospitalization.
The expense for the Preventive Health Check-up is covered up to 1% of the previous sum insured and it will be a maximum of Rs. 10,000/- per policy. This benefit will be only be given to the insured after the 2 claim-free years.
You can take a second opinion from the company if you are diagnosed with the following illnesses:-
This is an optional benefit that you can add to this policy. In this benefit, you are allowed to receive treatments outside India. If you are diagnosed with a disease in India and going for the treatment abroad than those expenses are covered in this plan.
You will get 50% of the Sum Assured as a cumulative bonus and it will be applied to the Sum Insured for the next policy year under the Policy after every claim-free year. The maximum cumulative bonus is allowed up to 100% of the Sum Insured in any Policy Year