Tata Medicare Premier Plan
Tata AIG
9.0/10
OneAssure Rating
9.0/10
OneAssure Rating
Highlighted Features
Room rent and icu limit
Medicare Premier offers no capping on room rent or ICU charges, allowing policyholders to choose any hospital room as per their preference.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
Brochure
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Our Verdict
Medicare Premier offers robust core coverage with no room rent capping and global emergency care. Its extensive add-ons, like dental, vision, and in-home support, cater to individuals seeking comprehensive health and wellness benefits beyond standard hospitalization.
About the Plan
Medicare Premier is a comprehensive health insurance plan designed to provide extensive medical coverage, ensuring financial security during medical emergencies. It offers high sum insured options, covering hospitalization expenses, advanced treatments, daycare procedures, and domiciliary care. The plan includes benefits like cashless hospitalization, annual health check-ups, and coverage for organ donor expenses. With no room rent capping and coverage for modern treatments, it provides flexibility and peace of mind. Policyholders can also enhance their coverage with optional add-ons and riders.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
no capping on room rent or ICU charges, allowing policyholders to choose any hospital room as per their preference.
Advanced Treatments
Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.
Co-payment
No copayment applies if the insured is below the specified entry age.
A mandatory copayment may apply for senior citizens as per policy terms.
Optional voluntary copayment available for reduced premium costs.
Specific treatments or high-value claims may have condition-based copayments.
Waiting Periods
Initial Waiting Period: 30 days from the policy start date, except for accidental claims.
Pre-existing Diseases: Covered after 36 months of continuous policy renewal.
Specified Illnesses & Treatments: Waiting period of 24 months for certain listed conditions.
Maternity & Newborn Cover: Waiting period of 24 months, if applicable under the plan.
Exclusions
Intentional self-injury or attempted suicide.
Injuries resulting from participation in hazardous or adventure sports.
Cosmetic or plastic surgery, unless necessary due to an accident, burn, or cancer.
Treatment for sterility and infertility, including assisted reproduction services.
Sexually transmitted diseases or illnesses.
Stem cell therapy, except for hematopoietic stem cells for bone marrow transplant in specific conditions.
Treatment for alcohol or drug addiction.
Dietary supplements and substances that can be purchased without a prescription.
Unproven treatments, procedures, or supplies lacking significant medical documentation.
Sleep-apnea treatments.
Preventive care, vaccinations, inoculations, and immunizations, except for post-bite treatment and other explicitly covered vaccines.
Dental treatment or surgery, unless specified under 'Inpatient Treatment – Dental'.
Exclusions
Dental & Vision Coverage - Enhance your Medicare Premier plan with comprehensive dental and vision benefits, including routine checkups, eyeglasses, and dental procedures.
Prescription Drug Plan (Part D) - Get additional savings on your medications with expanded coverage for both generic and brand-name prescriptions.
Hearing Aid Assistance - Improve your hearing with coverage for hearing exams, devices, and fittings at discounted rates.
Worldwide Emergency Care - Travel with peace of mind knowing you're covered for emergency medical services anywhere in the world.
Wellness & Fitness Benefits - Stay active and healthy with access to gym memberships, wellness programs, and preventive care services.
Telehealth Services - Receive convenient virtual healthcare visits from the comfort of your home with 24/7 access to medical professionals.
In-Home Support Services - Get assistance with daily activities, meal preparation, and home safety modifications to maintain independence at home.
Chronic Condition Management - Specialized care for diabetes, heart disease, and other chronic illnesses with tailored treatment plans and extra support.
Add-ons
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About the Company
Tata AIG General Insurance Company Limited is a prominent insurance provider in India, established as a joint venture between the Tata Group and the American International Group (AIG).The company offers a diverse range of general insurance products, including motor, health, travel, and home insurance, catering to both individual and business needs. With a mission to create better tomorrows for customers, Tata AIG focuses on providing trustworthy and innovative risk solutions, backed by professional expertise and exceptional service capabilities
Amit Ganorkar is the CEO and MD of Tata AIG General Insurance. With over 20 years of experience in the insurance sector, he focuses on customer-centric solutions and digital transformation strategies.
About the Company
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