MediRaksha Health Insurance Plan By Tata AIG

The Tata AIG MediRaksha health insurance plan is a health insurance plan that is tailor made for the long term patrons of TATA AIG. With this plan TATA AIG offers customers attractive discounts on base premiums paid along with cover for a wide range of things like in-patient care, day care hospital procedures, any organ transplants, doctor costs, hospitalization fees, etc. The plan even offers benefits under section 80D of the IT Act along with direct access to cashless treatment at over 3,000 plus network hospitals.

Features & Benefits of Tata AIG MediRaksha: The MediRaksha Health Insurance Plan by Tata AIG has a myriad of great features and offers a number of benefits to its patrons. The features are stated as follows:

1. Entry Age The permissible age of adults of this policy has been set to the ages of above 18 years and below 65 years. But, in the case of dependent children, the entry age or the permissible age ranges from 91 days to 21 years.

2. Basis available You can either opt for Individual or family floater plans under this policy

3. Policy Period The policy period ranges from 1 year to 2 years. You can choose any one of the following according to your needs.

4. Renewability The policy has a lifelong renewability policy

5. Sum Insured There are 3 available choices for the sum insured, namely Rs. 50,000, Rs. 75,000 and Rs. 1 lakh.

6. Pre-Medicals The best part about taking up this policy is that you are not required to take any medical tests if you are taking the policy before the age of 55 years

7. Discount You can avail a number of discount options under this scheme, namely •7.5% if you are paying the policy premium for 2 years. •10% if two or more family members are covered under this policy.

8. Co-Payments The co-payments paid is 15% of every claim made under this policy

Coverage

The coverage offered under the MediRaksha Health Insurance Plan is given as follows:

• In-patient expenses like ICU charge, room rent, medicine costs, nursing charge, etc. will be covered.

• Pre-hospitalization expenses for 30 days and post-hospitalization expenses for 60 days will be covered.

• In case of pre and post hospitalizations expenses the lesser of 1% of admissible claim or the actual expense will be paid.

• The policy covers 144 day care procedures for which hospitalizations is for less than 24 hours.

• The policy covers the organ donor’s expense.

• At the end of four years the policy will offer 1 percent of the insured amount or a max of Rs. 1,000 towards medical check ups.

• Any Pre-existing conditions will be covered after a period of 4 years.

• Any Specific illnesses will be covered after a waiting period 2 years.

Benefits offered under this scheme

• The policy offers free medical check ups when renewed.

• Premiums paid under the policy will be eligible for tax benefits under the section 80D of the IT Act.

• If you’re under the age of 55 years then you do not have to undergo medicals prior to taking up this policy.

• The policy offers cashless treatment at all network hospitals.

• The policy provides direct access to over 3,000 hospitals where cashless treatment can be availed by policy holders.

Exclusions under this scheme

• Any Injuries or illnesses that result from illegal activities won't be covered.

• Any Treatment for mental illnesses, Alzheimer's or Parkinson's disease will not be covered.

• HIV/AIDS and any complications arising from them won't be covered.

• Any Treatment resulting from abuse of substances like any drugs and alcohol will not be covered.

• Any Cosmetic surgery won't be covered unless they are required as a result of injury or illness.

• Any Experimental or unproven treatment won't be covered.

• Any Diagnostic procedures like x-rays and lab exams won't be covered.

This is a simple plan from the house of TATA AIG that brings to its consumers one of the top health insurance plans in the market at the moment. That too, at minimum risk.

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