Tata AIG MediPlus Health Insurance

The plan has the following salient coverage benefits –

• Expenses incurred on hospitalisation for at least 24 hours would be covered. These expenses can be incurred on paying the fees of the medical practitioner, surgeon, nurse or on blood, oxygen, etc.
• Expenses incurred before the insured is admitted to a hospital, called pre-hospitalisation expenses, would be covered for up to 60 days
• Expenses incurred after the insured is discharged from the hospital are covered for up to 90 days
• Treatments which do not require hospitalisation for 24 hours or more due to advanced medical technologies, called day care treatments, are covered
• In case of an organ transplant surgery, the cost of harvesting the organ from a donor would be covered
• Treatments taken at home are also covered subject to some terms and conditions
• Expenses of arranging am ambulance would be covered for up to Rs. 2000
• The plan allows you to convert the top-up coverage to a nil deductible health insurance plan where coverage would be available without any deductible limit

There are other benefits too which are offered by the plan. These benefits include the following –

• There is a tax benefit on the premium that is paid for the plan. Premiums of up to Rs. 25,000 are allowed as a deduction under Section 80D
• The plan can be renewed without any restrictions for the lifetime of the insured
• There is a premium discount of 10% if two or more family members are covered under the plan
• Another premium discount of 7.5% is allowed for buying coverage for two consecutive years and paying the aggregate premium at once

TATA AIG’s MediPlus Plan is a good top-up plan which not only gives you a range of deductible options to customise your coverage, but it also allows you the facility of converting the plan to a normal health plan. Coverage is allowed for the whole family making the plan suitable for covering each family member.

Buy the MediPlus Plan online if you want instant coverage without any hassles. The online medium has simplified the process of buying health insurance policies through multiple online portals. InsuranceDekho is one such online portal wherein the plan is available. The portal allows you to understand your coverage needs so that you can select the right sum insured and deductible option. So, buy the plan from InsuranceDekho website for a better coverage experience.

Pre-existing diseases under TATA AIG MediPlus plan are covered after a waiting period of 48 months.

The premium risk loading feature may be levied depending on the declarations made in the proposal form and the health status of the proposer. The maximum risk loading can be 150% per person. The policy will be issued only after getting consent in case of risk loading. 

The minimum entry age for adults for TATA AIG MediPlus plan is 18 years and maximum entry age is 65 years.

There is no exit age for MediPlus plan. The plan comes with lifelong renewability option.