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Medicare (UIN: TATHLIP18004V011819)

Medicare (UIN: TATHLIP18004V011819)

Tata AIG Medicare is an upgraded, robust health insurance plan, built keeping in mind the one factor: NO COMPROMISE WHEN IT COMES TO YOUR HEALTH. Choosing the right mix of features and coverage levels is essential to get everything you would need at the time of a medical exigency. From 50% of cumulative bonus to restoration benefits on Sum Insured, we have thought of it all, to make it the ideal health cover.

Key Features*-

  • Global cover
  • Restore benefit
  • Wider range of sum insured
  • No medicals required
  • Consumables Benefit
  • 50% of cumulative bonus

* Terms & Conditions apply

Benefits:

  • Restore Benefits - It automatically restores your basic sum insured upon exhaustion of sum insured and accrued cumulative bonus for you and your family members
  • Global Cover- Covers Medical Expenses related to inpatient & Day Care Hospitalization on reimbursement basis of the Insured Person incurred outside India, provided that the diagnosis was made in India
  • Cumulative bonus- 50% increase in cumulative bonus for every claim free year, provided policy is renewed with the Company without a break upto a maximum of 100%. In the case a claim is made during the policy year, the cumulative bonus would reduce by 50% in the following year
  • 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 Day Care Centre
  • Accidental Death Benefits (optional cover) - Covers 100% of sum insured in the event of death of insured person due to accident. This benefit is not applicable for dependent children covered in the policy
  • Pre-Hospitalization expenses -upto 60 Days
  • Post-Hospitalization expenses -upto 90 Days
  • Domiciliary Treatment - Covers Medical Expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required Hospitalisation
  • Organ Donor - We will cover for Medical and surgical Expenses of the organ donor for harvesting the organ where an Insured Person is the recipient
  • Second Opinion -– second opinion from Network Provider or Medical Practitioner, if an Insured Person is diagnosed with the Illnesses mentioned in the policy wordings during the Policy Period
  • Ambulance Cover – Rs. 3000 per Hospitalization
  • AYUSH Benefit – we will cover for expenses incurred on in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy
  • Hearing Aid – 50% of the actual cost or Rs. 10,000 whichever is lower, every third year
  • Health Check-up – Preventive Health Check-up upto 1% of previous sum insured subject to a maximum of Rs. 10,000/- per policy. The benefit is payable after every two continuous claim free policy years
  • Daily Cash for accompanying an insured child if the Insured Person Hospitalized is a child Aged 12 years or less, for one accompanying adult for each complete period of 24 hours. The benefit payable per day would be 0.25% of base sum insured and maximum of Rs.2000 per day
  • Daily Cash for choosing shared Accommodation – benefit payable if insured person is Hospitalized in Shared Accommodation in a Network Hospital for each continuous and completed period of 24 hours the amount payable would be would be 0.25% of base sum insured and a maximum of Rs. 2000 per day
  • Consumable Benefits: Covers expenses incurred, for consumables, which are consumed during the period of hospitalization directly related to the insured person’s medical or surgical treatment of illness/disease/injury
  • Compassionate Travel: Covers expenses upto Rs. 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 insured person's bedside during his stay in the hospital

Eligibility Criteria

  • Minimum entry age - This policy covers persons in the age group 5 years onwards (Dependent children between 91 days and 5 years can be insured only when both parents are getting insured)
  • Maximum entry age - 65 years. However, renewals are lifelong
  • Covers upto 7 members (Self, Spouse, upto 3 dependent children and upto 2 dependent parents)

Free look up Period-

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 premium would be refunded as per free-look regulation laid down by IRDAI

Policy Tenure

Policy Tenure Options-1/2/3 Years

UIN: TATHLIP18004V011819

Discount-

Family Floater Discount Long Term Discount
20% for 2 members 5% for 2 years tenure 
28% for 3 members  10% for 3 years tenure
32% for more than 3 members

Note: For detailed product benefits, terms and conditions, please visit www.tataaig.com and refer Product Brochure and Policy Wordings from the links below

Disclaimer:

Bank of Baroda is authorized by the Insurance Regulatory and Development Authority to act as a Corporate Agent from 01.04.2019 to 31.03.2022 for procuring or soliciting business of Life Insurance , General Insurance & Standalone Health Insurance under Registration Code CA0004".Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. The purchase of Insurance product by Bank of Baroda customers is purely on a voluntary basis. The insurance products are underwritten by respective Insurance company. Bank of Baroda does not perform any Insurance e-commerce activity on its website. The contract of insurance is between the Insurer and the Insured; and not between the Bank and the Insured.

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