Medicare Premier - AU Small Finance Bank
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Medicare Premier

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About Medicare Premier

    Tata AIG Medicare is a simplified and comprehensive Health Insurance plan. The product is designed keeping in mind the important role that your health insurance plays considering the cost of medical emergencies
     

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Features:

 
  • Global Cover: Covers Medical Expenses related to Inpatient & Day Care Hospitalization of the Insured Person incurred outside India, provided that the diagnosis was made in India.
  • Consumables benefit: 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.
  • Bariatric Surgery: Covers expenses incurred for Bariatric Surgery for treatment of Obesity and weight control.
  • Restore Benefits: It automatically restores your sum insured to 100% for you and your family members.
  • Emergency Air Ambulance: Covers expense for ambulance transportation by airplane or helicopter for emergency life threatening health conditions, which require immediate ambulance transportation to the hospital/medical centre for upto Rs. 5 lacs. This benefit has a separate limit (over and above base sum insured) and does not affect cumulative bonus.
  • 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.
  • In-Patient Treatment: Covers expenses for hospitalization due to disease/illness/Injury during the policy period that requires an Insured Person’s admission in a hospital as an inpatient.
  • High End Diagnostics: Covers the insured person for the listed diagnostic tests on OPD basis if required as part of a treatment subject to Rs. 25,000 per policy year.
  • Accidental Death Benefit: 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.
  • Maternity Cover: Covers maternity expenses – up to a maximum of Rs. 50,000/- per policy subject to a waiting period of 4 years of continuous coverage under this policy subject to IRDAI portability guidelines. (in case of birth of girl child cover would be for Rs. 60,000) per policy. No limit on number of delivery events.
  • First year Vaccinations: Covers vaccination expenses for up to one year after the birth of the child subject to a limit of Rs.10,000/- (in case of girl child cover would be for Rs. 15,000) provided the child is covered with us.
  • Organ Donor: Covers Medical and surgical Expenses of the organ donor for harvesting the organ where an Insured Person is the recipient.
  • Vaccination Cover: Covers expenses related to Human Papilloma Virus (HPV) vaccine & Hepatitis B Vaccine after 2 years of continuous coverage and Anti-rabies vaccine & Typhoid vaccination without any waiting period. This benefit has a separate limit (over and above base sum insured) and does not affect cumulative bonus.
  • Compassionate Travel: Covers expenses up to 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. In the event the Insured Person is Hospitalized for more than Five consecutive days in a place where no adult member of his immediate family is present. This benefit has a separate limit (over and above base sum insured) and does not affect cumulative bonus.
  • OPD Dental Treatment: Once the Insured has completed two years of continuous coverage with Us, we will pay for expenses related to the following dental treatments only subject to a maximum of Rs.10,000 per policy year annually:
    • Root Canal Treatment (single or multiple sittings)
    • Tooth extraction(s)
    • Filling
  • Pre-Hospitalization Medical Expenses: Medical Expenses incurred in 60 days before the date of admission to the hospital.
  • Post-Hospitalization Medical Expenses: Medical Expenses incurred in 90 days after the date of discharge from the hospital.
  • Daily Cash for choosing Shared Accommodation: A fixed amount per day will be paid as mentioned in the policy schedule if the Insured Person is hospitalized in Shared Accommodation in a Network Hospital for each continuous and completed period of 24 hours. Coverage limit 0.25% of base sum insured and max. Rs. 2000 per day. This benefit has a separate limit (over and above base sum insured) and does not affect cumulative bonus.
  • Daily cash for accompanying an insured child: A fixed amount per day will be paid, as mentioned in the schedule, if the Insured Person Hospitalized is a child Aged 12 years or less, for one accompanying adult for each complete period of 24 hours. Coverage limit 0.25% of base sum insured and max. Rs. 2000 per day. This benefit has a separate limit (over and above base sum insured) and does not affect cumulative bonus.
  • OPD Treatment: Once the insured has completed two years of continuous coverage with us, we will pay for expenses related to consultations and pharmacy subject to Rs. 5000 per policy year annually subject to policy terms and conditions. This benefit has a separate limit (over and above base sum insured) and does not affect cumulative bonus.
  • Second Opinion: A second opinion from Network Provider or Medical Practitioner will be provided, if an Insured Person is diagnosed with illnesses mentioned in policy wordings during the policy period.
  • Domiciliary Treatment: Covers for expenses related to Domiciliary Hospitalization of the insured person if the treatment exceeds beyond three days. The treatment must be for management of an illness and not for enteral feedings or end of life care.
  • New Born Baby Cover: Covers medical expenses incurred for the medically necessary treatment of the new born baby up to Rs.10, 000 for complications related to delivery. This benefit will trigger only in case where we have admitted the maternity claim.
  • Ambulance cover:  For utilizing ambulance service for transporting insured person to hospital in case of an emergency, coverage limit Rs.5000.
  • Prolonged hospitalization Benefit: Pays a fixed amount of 1% of sum insured, in the event of insured hospitalized for a disease/illness/injury for a continuous period exceeding 10 days. This benefit has a separate limit (over and above base sum insured) and does not affect cumulative bonus.
  • AYUSH benefit: Medical Expenses incurred for In-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy.
  • Health Checkup: Expenses for a Preventive Health Check-up up to 1% of policy sum insured subject to a maximum of Rs. 10,000/- per policy. This benefit has a separate limit (over and above base sum insured) and does not affect cumulative bonus.
  • In-patient Dental Treatment: Covers expenses incurred towards hospitalization for dental treatment under anesthesia necessitated due to an accident/injury/illness.
  • Hearing Aid: Covers reasonable charges for a hearing aid every third year. The maximum payable is 50% of actual cost or Rs. 10,000/- per policy, whichever is lower. This benefit has a separate limit (over and above base sum insured) and does not affect cumulative bonus.
  • Cumulative bonus: 50% increase in cumulative bonus for every claim free year. In the case a claim is made during the policy year, the cumulative bonus would reduce by 50% in the following year.
 

Benefits:

  • Tax Benefit: The premium amount paid under this policy qualifies for deduction under 80D of Income Tax (Amendment) Act, 1986.
  •  Settlement of your claims: hassle-free and quick claim settlement so that you can focus on quality and timely recovery rather than managing the funding of the treatment
  •  Network of hospitals: We are equipped to offer you health care in your city with our network of hospitals across India.
  • Lifelong Renewal: We offer you a lifelong renewal for your policy provided premium is paid without any break Your premiums will be basis the age and coverage.
 

Empowering Customers