Tata AIG is a general insurance company that provides different types of insurance service. The company has a range of health insurance products suitable for people with differing requirements. Mediplus is a top-up plan offered by Tata AIG. This is a policy that offers extra coverage in addition to an existing health insurance policy. Customers can choose their deductible option based on the health insurance cover they already have. For instance, if the deductible chosen by a customer under Mediplus is Rs.2 lakh, this cover will begin only if the medical expenses exceed Rs.2 lakh. This policy comes in flexible options and affordable premium charges.
The eligibility criteria outlined by the company for enrolling in this medical insurance policy can be listed as follows:
The key features of Tata AIG Mediplus can be listed as follows:
The range of benefits offered by this medical insurance policy cover can be given in the following table:
|In patient hospitalisation||Covered up to the sum insured limit|
|Domiciliary treatment||Available if a patient is unable to get treatment in a hospital|
|Day care treatment||Available for up to 140 day care procedures that do not require 24-hour hospitalisation|
|Ambulance cover||Up to Rs.2,000 per hospitalisation|
|Organ donor cover||Expenses covered for both recipient (the insured) and donor|
|Dental treatment||Covered for dental treatment arising out of accidents or illnesses|
The exclusions listed under Tata AIG Mediplus top-up policy can be listed as follows:
The company provides quick and hassle-free claim settlement to ensure that policyholders focus on recovery rather than worrying about the funding requirements. To provide reimbursement for the medical expenses, the company requires a list of documents from the insured along with the claim form. Some of these documents include discharge report, original bills, diagnostic reports, prescriptions, etc. In case of cashless treatment, the insured must provide a photo identity proof along with the cashless card. Once the documents are submitted, the company will verify the validity of the claim and settle the claim amount.
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