Health Insurance 328 views December 24, 2021

TATA Medicare Premier Plan protects you and your family financially against unforeseen medical contingencies. There is no need to submit medicals or telemedical examination reports to buy this policy if you’re up to 45 years. You’ll also get cover for consumables used during the hospitalization which most of the insurers won’t cover. So, read this post below and know more about the TATA Medicare Premier Plan coverage and other details.

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TATA Medicare Premier Plan Base cover

You’ll get coverage against the following during the policy period –

In-Patient Treatment – Covers expenses arising due to disease/illness/injury during the health insurance policy term. So, if you’re admitted to a hospital as an in-patient, the company will pay for it.

High-End Diagnostics – The insurer will pay for the listed diagnostic tests as in the policy schedule on an OPD basis if required as part of treatment. Here, the coverage is subject to INR 25,000 per policy year.

Accidental Death – Your nominee will get the entire sum insured  in the event of your death due to an accident. This benefit is not applicable for dependent children covered under this policy.

Maternity Cover – The insurer covers up to INR 50,000 in case of birth of a child. And for a girl child, this cover would be INR 60,000. There are no limitations on the number of deliveries.

First-year Vaccinations – For up to one year after the birth of the child, INR 10,000 will be used to cover the vaccination. Whereas, in the case of a girl child, the cover would be INR 15,000.

Organ Donor – The policy covers any medical and surgical expenses of the organ donor provided you’re a recipient.

Vaccination Cover – Covers expenses related to Human Papilloma Virus (HPV) vaccine & Hepatitis B Vaccine after 2 years of continuous coverage and Anti-rabies vaccine & Typhoid vaccination without any waiting period.

Compassionate Travel – The insurer will cover INR 20,000 for a round trip economy class air ticket or first-class railway ticket, so the family can visit you in the hospital.

OPD Dental Treatment – INR 10,000 will be covered for a root canal, filling, tooth extractions, etc.

Global Cover Cover – If the in-patient & daycare hospitalization happened outside India, the insurer will cover such expenses as well. However, the diagnosis must have happened in India.

Consumables Benefit – You’ll get cover for hospitalization expenses that are related to the medical or surgical treatment of illness/disease/injury.

Bariatric Surgery – The policy covers expenses incurred on Bariatric Surgery for the treatment of obesity and weight control 

Restore BenefitAutomatically restores your sum insured up to 100% for you and your family members.

Emergency Air Ambulance – Ambulance transportation by airplane or helicopter for emergency life-threatening health conditions.

Day Care Procedures – The policy covers more than 540 daycare treatments due to disease/illness/injury.

Waiting Period Applicable to the TATA Medicare Premier Plan

The policy coverage will commence basis the below-mentioned waiting period –

  • Initial Waiting Period – 30 days from the first inception of the policy (except for accident)
  • Listed illnesses/treatments – 24 months
  • Pre-existing condition – 24 months
  • Maternity Expenses -48 months
  • OPD Treatment & Dental – 24 month

General Exclusions from the TATA Medicare Premier Plan

The policy doesn’t cover the following –

  • Congenital external diseases, defects or anomalies
  • Investigation and evaluation
  • Alcoholic pancreatitis
  • Intentional self-injury or attempted suicide
  • Breach of law with criminal intent
  • Treatment rendered by a medical practitioner outside of his/her discipline

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