Tata AIG MediCare Health Insurance Wordings

Yes, TATA AIG covers expenses for listed Day Care Treatment due to disease/illness/Injury during the policy period taken at a hospital or a Day Care Centre. The list of such day care procedures covered is available on the company’s official website. 

The policy covers reasonable and customary expenses for bariatric surgery if the insured fulfills: i) Surgery to be conducted upon the advice of the Doctor ii) The member has to be 18 years of age or older iii)BMI greater than or equal to 40 iv)BMI greater than or equal to 35 in conjunction with any of the following severe comorbidities following the failure of less invasive methods of weight loss: a) Obesity-related cardiomyopathy, b) Severe sleep apnea, c) Uncontrolled Type 2 diabetes, or d) Coronary heart disease

Maximum 7 members of a family are covered in one Individual Plan (self, spouse, 3 dependent children, and 2 dependent parents).

Maximum 7 members are covered in one Family Floater Policy (self, spouse, 3 dependent children (up to the age of 25 years) and 2 dependent parents. In case of family floater, where the age of the dependent child is crossing 25 years, the child can be covered under a separate policy with an eligible continuity benefit.

TATA AIG will pay for expenses incurred, for consumables which are listed in ‘Items for which optional cover may be offered by insurers’ under ‘Guidelines on Standardization in Health Insurance, 2016’, which are consumed during the period of hospitalisation directly related to the insured’s medical or surgical treatment of illness/disease/injury.