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Tata AIG Health First |
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 Plan Highlights |
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Key Feature |
Comprehensive
hospital allowance policy covering
prolonged hospitalisation, major
surgery, critical illness, post
hospitalisation fees and even
the unfortunate event of your
death.
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Best Suited For |
People
who wish to provide for prolonged
hospitalisation, major surgery,
critical illness, post hospitalisation
fees and even death.
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Features |
1) Policy provides for Hospitalisation Allowance, Surgical Benefit, Critical Illness Cover, Post Hospitalisation Benefit and Death cover.
2) Policy is purchased in the form of units and the benefits under each of the above sections depend on the number of units purchased. One can purchase any number of units between 1 and 10.
3) While most hospitalization policies reimburse for actual medical expenses, this policy gives a lump sum irrespective of expenses incurred.
4) Premiums are renewed every five years with constant premiums throughout the said 5 years period.
5) Premiums paid are eligible for tax benefits u/s 80D of IT Act 1961.
6) Policy can be claimed simultaneously with existing medical insurance policy.
7) Treatment has to be taken only at TATA AIG's pre-approved hospitals. However in case of emergencies one can be admitted to any other hospital for a maximum of five days, after which patient will have to be moved to any of the hospitals approved by TATA AIG.
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Benifits |
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Benefits |
1)
Hospitalisation Allowance(HA): A daily allowance of up to Rs
2500 is paid for every day of
hospitalisation. The allowance
is available only after the
first three days of hospitalisation
for a maximum of 90 days of
confinement for the same or
similar cause. There is a waiting
period of 90 days before this
cover begins.
2) Surgical Benefit: A lump sum of up to Rs 125000 is payable. Amount specified is paid even if the operation actually cost you less. This amount is in addition to HA, but is payable only if HA is payable.
3) Critical Illness Cover: This amount is paid in the event of life assured contracting to any of the 12 critical illnesses covered under the policy. There is a waiting period of 180 days before this cover begins.
4) Post Hospitalisation Benefit: For a maximum of 3 days.
5) Lifetime Maximum Cover: One can make multiple claims up to a maximum of Rs 25 lakhs (for 10 units) during the tenure of this policy.
6) Death Cover: Coverage of up to Rs 10,000 is also provided to protect your family. This is not payable if any of the above hospitalisation benefits have been paid.
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Policy Features |
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