A health policy that

cares for you like family

Presenting
TATA AIG MediCare Select is built for the way you live. Choose the coverage that aligns with
your needs, enjoy added benefits, and secure your health with a plan that adapts to you.
Whether it’s unlimited reinstatement of your sum insured, coverage for essential
consumables, or maternity benefits, you can create a plan that truly works for you.

PRODUCT HIGHLIGHTS

Young
Professional Family
Discount Discount

7.5% off No Entry Age Limit

10% off
FOR SALARIED CUSTOMERS FOR FAMILIES BELOW 40 YEARS

KEY FEATURES

Restore Infinity Plus

Unlimited Coverage, Uninterrupted Care.
Reinstatement of the base sum insured unlimited times, if the Sum Insured and
Cumulative Bonus (if accrued) is insufficient to pay an admissible Hospitalization
claim in the Policy.

Infinite Advantage*
No Limits, No Worries-Just Complete Care.
Covers medical expenses with no limit on the Sum Insured for one claim during the
lifetime of the policy, ensuring complete financial protection.

Maternity Care*
Welcoming New Life, Worry-Free.
Covers Maternity Expenses, Delivery Complications, and First-Year Vaccinations for your
newborn, ensuring a worry-free start to parenthood-with an option to reduce the waiting
period from 2 years to just 1 year for added flexibility and convenience.

UPGRADE YOUR PLAN WITH OUR RIDERS#

Supercharge Bonus Rider

Get bonus of 100% of Sum Insured every year, irrespective of claims; Max up to specified
percentage of base sum insured.

Advanced Cover Rider

Cut the waiting period for specific pre-existing diseases to just 30 days for faster access to
treatment.
T&C Apply.
OTHER OPTIONAL BENEFITS

Consumables Benefit*
Small Essentials, Big Savings on Hospital Bills!
Covers expenses incurred for specified consumables which are consumed
during the period of hospitalization directly related to the insured person's
medical or surgical treatment of illness/disease/injury.

Early Access*
Why Wait? Unlock Your Policy Benefits Now.
For single premium multi-year policies, the Sum Insured of the policy
period shall be available anytime during the Policy Period.

OTHER AVAILABLE RIDERS#

Preventive Annual Health Checkup Rider

Get cashless annual health check-ups at home or with our providers,
keeping health in check every year, ensuring proactive health
management.

OPD Care
Get coverage for OPD Consultation, Dental, Vision and teleconsultations for
seamless Outpatient Care.

EmpowerHer
Comprehensive coverage for women's health, from gynaecologist visits
and PCOD treatment to cancer screenings and vaccinations.

Mental Wellbeing
Holistic mental health care with mental health screenings, psychological
therapy, stress management, diet consultations, and addiction cessation
programs.

The above-mentioned optional covers are available on payment of an additional premium.

*
T&C Apply.

#
The Riders are provided in lieu of additional premium as applicable and subject to the terms, conditions and
exclusions as stated in the Rider wordings in addition to the Policy Terms, Conditions and Exclusions.
BENEFIT TABLE

Sum Insured options (in ) 5 / 7.5 / 10 / 15 / 20 / 25 / 50 / 75 / 100 / 200 / 300 Lakh

Benefit Name Coverage Limit
In-Patient Treatment Up to Sum Insured
Pre-Hospitalization expenses 90 Days, up to Sum Insured
Post-Hospitalization expenses 90 Days, up to Sum Insured
Day Care Procedures All Day Care Treatments, Upto Sum Insured
Organ Donor Up to Sum Insured
Domiciliary Treatment Up to Sum Insured
AYUSH Benefit Up to Sum Insured
Ambulance Cover Up to Sum Insured
Restore Infinity Plus Unlimited restorations during a policy year

Daily Cash for choosing Twin 1,200 per day

Sharing Accommodation (Over & Above base sum insured)

Daily Cash for choosing 1,500 per day

Multi-Sharing Accommodation (Over & Above base sum insured)

Cumulative Bonus: 50% of the base Sum Insured of the expiring

policy, maximum upto 100% (50% decrease in subsequent policy
No Claim Bonus year, in case of claim).
OR
1% Discount in Renewal Premium
Cumulative Bonus applies only if Discount in Renewal Premium is not availed.

Room Category** Single Private Room

Optional Covers Coverage Limit

Non-Medical Expenses (specified consumables)
Consumables Benefit
covered Up to Sum Insured

10% of Sum Insured, maximum up to 1,00,000

Maternity Care
per policy year (Over & Above base sum insured)

Reduction of Maternity Care Reduction of ‘Maternity Care’ waiting

Waiting Period period to 1 year

Infinite Advantage Available

Early Access Available

Aggregate Deductible Options (in ) 10,000/ 25,000/ 50,000/ 1,00,000

Suitability
Entry Age No minimum/ maximum entry age limit
Policy Term 1 Year/ 2 Years/ 3 Years (with lifetime renewal)

Family Floater: Self, spouse and up to 3 dependent

children, up to 2 parents/parents-in-law.
Coverage Options & Relationships Individual/Multi-individual: Self, Spouse/Partners, Upto 3
Dependent Children, Parents & parents-in-law, Grandparents,
Grandchildren, Siblings (Sister/Brother), Uncle, Aunt, Nephew,
T&C Apply.

Niece, Employee, Domestic Help and Legal Guardian.

Options to modify room category to Any Room/ Twin sharing Accommodation are available.
**
DISCOUNTS ON PREMIUM

7.5% for a policy term of 3 years

Long Term Discount 5% for a policy term of 2 years

This discount is available only with ‘Single’ Premium Payment mode.

1 member No Discount

2 members 22%
Family Floater Discount 3 members At least 1 child: 28% No child: 22%
At least 2 children: 32%
3+ members
At least 1 child: 28% No child: 22%

5% (Applicable, if more than one member is covered

Multi-Individual Discount
in a policy on individual basis)

7.5% (This discount is applicable for salaried employee of

Professional Discount
public or a private company)

10% (Applicable for policies where all insured persons

are of age 40 years or below at first inception. This
Young Family Discount discount will be effective from the first year of the policy
and will continue for the lifetime of the policy,
irrespective of claims.)

20% at the inception of the policy. At Renewal, the

Favorable Experience Discount Favorable Experience Discount may vary based on
established criteria.

Note : Discounts other than Long term discount, Family floater discount, Multi-Individual Discount, Favorable
Experience Discount and Discount in Renewal Premium (No Claim Bonus) are subject to a maximum cap of 25%.

EXCLUSIONS

Medical Exclusions
• Congenital External Diseases, defects or anomalies.
• Alcoholic pancreatitis or Alcoholic liver disease.

Non-Medical Exclusions
• Intentional self-injury or attempted suicide while sane or insane.
• Expenses for treatment directly arising from or consequent upon any Insured Person committing
or attempting to commit a breach of law with criminal intent.
• Treatment rendered by a Medical Practitioner which is outside his discipline.

WAITING PERIOD

Initial Waiting Period (except accident) 30 Days

Pre-Existing Diseases Waiting Period 36 Months

Specified Disease/Procedure Waiting Period 24 Months

T&C Apply.
TERMS AND CONDITIONS

• Free Look cancellation of 30 days is available after receipt of the policy document to review the policy
terms and conditions.

• In case of any policy-related objections, you have the option to cancel the policy, and the premium
would be refunded as per the free-look cancellation clause mentioned in the policy.

• We may apply risk loading based on an individual's health status.

• There will be no premium refund in case of cancellation due to established fraud, misrepresentation or
non-disclosure of material facts.

• Grace period of 30 days as per regulation laid down by IRDAI is available for renewal post policy expiry.

• In case you want to port your policy to us, apply at least 30 days before the policy renewal date, and
IRDAI portability guidelines shall apply.

• The policy is renewable except in the case of established fraud or non-disclosure or misrepresentation
by the Insured Person.

• The Company, may revise or modify the terms of the Policy, including the premium rates. The
Policyholder shall be notified three months before the changes are effected.

PRE - POLICY MEDICAL CHECK - UP

Pre-policy medical check-up at our network may be required based on age, Sum Insured, or medical
declaration, and the medical reports are valid for a period of 90 days from the date of Pre-Policy Checkup.
Tele MER/Video MER or additional tests may be conducted as per underwriting criteria.
At least 50% of pre-policy medical checkup cost would be borne by TATA AIG in case where proposal is
accepted.

PREMIUM RATES & CALCULATION

The premium will be charged on the completed age, sum insured and zone of the Insured Person. For family
floater, the premium is calculated by adding the premium of respective individual members and applying
the family floater discount.
Please visit www.tataaig.com for Premium Rates.

CLAIM PROCEDURE

Intimation & Assistance:

Please contact our designated TPA/Us at least 48 hours prior to an event which might give rise to a claim.
For any emergency situations, kindly contact our TPA/Us within 24 hours of the event.

Claim-related information:
For any claim-related query, intimation of claim and submission of claim-related documents, the
policyholder/Insured Person can contact us through:
T&C Apply.
 Name of Claims Administrator TAGIC Health Claims

Website www.tataaig.com

Email [email protected]

Toll Free 1800 266 7780/ 1800 22 9966 (for Senior Citizens)

TATA AIG General Insurance Co. Ltd., 5th and 6th Floor,
Imperial Towers, H.No 7-1-6-617/A, No - GHMC 615,616,
Submit Claim
Ameerpet, Hyderabad – 500016, Telangana,
Phone - 040 – 66864900.

TAX BENEFIT

The premium amount paid under this policy qualifies for deduction under Section 80D of the Income Tax
Act and further amendments. This benefit is applicable for premium paid through modes as approved by
the relevant regulatory body. Tax benefits are subject to changes in Income Tax Law.

GRIEVANCE REDRESSAL PROCEDURE

As per Regulation 25 of the IRDA of India (Protection of Policyholders’ Interests, Operations and Allied Matters
of Insurers) Regulations, 2024.

PROHIBITION OF REBATES

Section 41 of the Insurance Act, 1938, as amended by the Insurance Laws (Amendment) Act, 2015

1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to
take out or renew or continue an insurance in respect of any kind of risk relating to lives or property in
India, any rebate of the whole or part of the commission payable or any rebate of the premium shown
on the Policy, nor shall any person taking out or renewing or continuing a Policy accept any rebate,
except such rebate as may be allowed in accordance with the published prospectuses or tables of the
Insurer.
2. Any person making default in complying with the provisions of this section shall be liable for a penalty
which may extend to ten lakh rupees.

SECTION 64VB OF THE INSURANCE ACT, 1938

Commencement of risk cover under the Policy is subject to receipt of premium by TATA AIG General
Insurance Company Limited.
T&C Apply.
 With You Like Family,
With You Always.

For internal use only. No business can be solicited basis this information.

TATA AIG MediCare Select UIN: TATHLIP25051V012425 | Flexi Shield UIN: TATHLIA25039V012425 | CanCare UIN: TATHLIA25038V012425
Mental Wellbeing UIN: TATHLIA25037V012425 | EmpowerHer UIN: TATHLIA25036V012425 | OPD Care UIN:TATHLIA25035V012425

Int/TMCS/Apr 25/18