General Exclusions: Terms and Conditions

 Minimum entry age - 91 days and Maximum entry age - 65 years Highest
Medical Exclusions: claims
 Policy Tenure Options -1/2/3 Years
 Conditions related to or arising out of HIV or AIDS paying
 Covers upto 7 members (Self, Spouse, upto 3 dependent children and upto 2 dependent parents)
Abuse of intoxicants or hallucinogenic substances such as intoxicating drugs and alcohol
DON'T ability

Compromise!

 You have a period of 15 days from the date of receipt of the policy document to review the policy
 Congenital External Diseases, defects or anomalies
Non-Medical Exclusions:
terms/conditions. In case of any policy related objections, you have the option to cancel the
policy and premium would be refunded as per free-look regulation laid down by IRDAI. iAAA
by ICRA
 War or any act of war, act of foreign enemy or war like operations.  We may apply risk loading (max. individual loading upto 100% per medical condition) based on
 Intentional self-injury or attempted suicide while sane or insane. individual’s health status. Maximum overall risk loading shall not exceed 150% per individual.
 There will be no premium refund in case of cancellation due to non-disclosure of material facts,
 Any Insured Person attempting to commit a breach of law with criminal intent

Call us 24x7 on: 1800 266 7780

mis-representation or fraud. In case of non-cooperation, premium shall be refunded on short
Please refer to policy wordings for complete list of Benefits and Exclusions. rate table basis.
 The policy is lifelong renewable upon timely payment of premium. Grace period of 30 days from
Waiting Period: the policy expiry is available. Renewal premium will change only when you move into higher age
group or change your plan/coverage.
 Policy coverage starts 30 days from the first inception of the policy (except accident).
 Sum insured can be enhanced only at the time of renewal subject to our underwriting guidelines
 Any listed illnesses/treatments will be covered after a waiting period of 24 months.
 In case you want to port your policy to Us, apply at least 45 days prior to policy renewal date and
 Any pre-existing condition will be covered after a waiting period of 48 months. IRDAI portability guidelines shall apply.
 Any product revision/modification/future withdrawal will be done with the approval of IRDAI and
Tax Benefit: will be intimated to You at least 3 months in advance. In case of withdrawal, you have an option
The premium amount paid under this policy qualifies for deduction under 80D of Income Tax to migrate to our similar health insurance product.
(Amendment) Act, 1986. This benefit is not applicable for premium amount paid towards accidental
death benefit if opted and for premium paid in cash/ or by demand draft. Prohibition of Rebates
Tax benefits are subject to changes in Income Tax Law. Section 41 of Insurance Act 1938 as amended by Insurance Laws (Amendment) Act, 2015
 No person shall allow or offer to allow, either directly or indirectly, as an inducement to any
Claim Procedure: 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
Claims under this policy will be administered by a specified Third Party Administrator (TPA) duly
rebate of the premium shown on the policy, nor shall any person taking out or renewing or
licensed by IRDAI.
continuing a policy accept any rebate, except such rebate as may be allowed in accordance with

TATA AIG Medicare Protect UIN: TATHLIP18007V011819

Uncompromising
 Intimation & Assistance: Please contact our designated TPA/Us atleast 48 hours prior to an event the published prospectuses or tables of the insurer.
which might give rise to a claim. For any emergency situations, kindly contact our TPA within 24  Any person making default in complying with the provisions of this section shall be liable for a
hours of the event. penalty which may extend to ten lakh rupees.


Claim Related Information: For any claim related query, intimation of claim and submission of
claim related documents, You can contact TPA through:
Name of TPA: Family Health Plan Insurance TPA Ltd (FHPL)
Commitment to Care
24x7 Helpline 24x7 Claims Helpline Write to us
Email: [email protected], [email protected] (for Senior Citizens)
1800 266 7780 1800 425 4033 [email protected]
Toll Free: 1800-425-4033, 040- 23552899 (for Senior Citizens) (Toll Free)
Fax: +91 40 23541400 Website: www.fhpl.net Tata AIG General Insurance Company Limited


Submit claim: Claims Department, Family Health Plan Insurance (TPA) Ltd,
Srinilaya – Cyber Spazio, Suite # 101,102,109 & 110, Ground Floor,
Disclaimer: Regd Office: 15th Floor, Tower A, Peninsula Business Park,, G.K. Marg, Lower Parel, Mumbai – 400013
Insurance is the subject matter of solicitation. 24X7 Toll Free No: 1800 266 7780 or 1800 229966 (For Senior Citizens) | Fax: 022 6693 8170.
Road No. 2, Banjara Hills, Hyderabad, 500 034
| Email: [email protected] Website: www.tataaig.com
For more details on benefits, exclusions, limitations, terms & conditions, please refer sales brochure/
For list of network hospitals, please visit our/TPA website. IRDA of India Registration No: 108 | CIN:U85110MH2000PLC128425 | UIN: TATHLIP18007V011819
policy wordings carefully, before concluding a sale.
TAGIC/B/TGMCPRO/Jun 18/142 Ver1 / All | 1341
 In-Patient Covers expenses for hospitalization due to disease/illness/Injury
Premium Chart:
during the policy period that requires an Insured Person’s admission
Treatment in a hospital as an inpatient. Medical expenses directly related to the Age/Sum 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs
hospitalization would be payable. Insured
Consumables
Organ Covers Medical and surgical Expenses of the organ donor for 0-18 yrs 2,640 3,163 3,662 4,202
Benefit Donor harvesting the organ where an Insured Person is the recipient.
Day Care 19-35 yrs 3,190 3,828 4,487 5,379
Procedures Ambulance Covers expenses, upto Rs 1,000 per hospitalization, on 36-45 yrs 3,840 4,603 5,466 6,345
transportation of Insured Person in an ambulance to a Hospital
Cover for admission in case of an Emergency or from one hospital to 46-50 yrs 5,510 6,608 8,237 9,571
another for better treatment. 51-55 yrs 6,940 8,322 10,659 13,001
Restore Domiciliary Covers Medical Expenses incurred by an Insured Person for availing 56-60 yrs 9,720 11,665 14,330 15,989
medical treatment at his home which would otherwise have required
Benefit Treatment Hospitalisation. 61-65 yrs 12,610 15,129 17,160 22,248
Key Covers expenses upto Rs. 20,000 related to a round trip economy
66-70 yrs* 17,170 20,600 23,014 29,417
Compassionate
features Cumulative Travel
class air ticket, or first-class railway ticket, to allow the Immediate
Family Member to be at insured person's bedside during his stay
71+ yrs* 20,190 24,226 28,576 36,981
Premium mentioned is per person in INR (Exclusive of GST)
in the hospital. *Applicable for renewals only
bonus
Optional Accidental Covers 100% of sum insured in the event of death of insured Premium Chart for Accidental Death Benefit Rider:
person due to accident. This benefit is not applicable for
Death Cover Age/Sum Insured 2 Lakh 3 Lakh 4 Lakh 5 Lakh
dependent children covered in the policy.
All Ages 112 167 223 279
 Pre-Hospitalization expenses
Others  Post-Hospitalization expenses
Note : Self is mandatory for Accidental Death Benefit Rider Premium mentioned is per person in INR
(Exclusive of GST)
Features  AYUSH Benefit Premium Calculations:
 Health Checkup
 The premium will be charged on the completed age of the Insured Person.
When thinking of health, DON'T Compromise! The above mentioned benefits are subject to terms and conditions apply.  The premium for the policy will remain the same for the policy period as mentioned in the policy schedule.
Being the risk experts, we know there can be no compromise in Room Category available under this policy is Shared  For family floater, premium is calculated by adding the premium of respective individual members
Accommodation. In the event insured person gets admitted in and applying family floater discount.*
the matters of health and making sure that starts with a robust * Not applicable on Accidental Death Premium
Day Care Procedures Restore Benefit a room category higher than shared accommodation, then 10%

TATA AIG Medicare Protect UIN: TATHLIP18007V011819

TATA AIG Medicare Protect UIN: TATHLIP18007V011819

TATA AIG Medicare Protect UIN: TATHLIP18007V011819
insurance plan. Choosing the right mix of features and coverage of admissible claim amount will be borne by the insured person. Calculate Your Premium
levels is essential to get everything you would need in an ideal Covers expenses for 540+ Day Care It automatically restores your sum Individual Premiums Family Floater Discount Long Term Discount
Treatment due to disease/illness/injury insured to 100% for you and your Total Premium
health insurance plan. Tata AIG Medicare Protect is a simplified Pre-Policy Age/Sum You
and comprehensive Health Insurance plan. The product is
during the policy period taken at a
hospital or a Day Care Centre.
family members.
Check-up (PPC) Insured 2, 3, 4, 5 Lacs 20% Family Floater
for 2 members
designed keeping in mind the important role that your health Spouse 5% Discount
100% of PPC charges would 0-45 Nil
Cumulative bonus Consumables benefit for 2yrs tenure
insurance plays considering the cost of medical emergencies. be borne by TATA AIG General upto 3 28% Long Term
Tata AIG General Insurance has been accredited with iAAA Insurance Company Ltd. upon Children for 3 members Discount
rating by ICRA for highest claims playing ability. With a legacy
10% increase in cumulative bonus for Covers expenses incurred, for
acceptance of the proposal.
46-50 Tele-MER
10%
every claim free year, upto a maximum consumables which are consumed upto 2 for 3yrs tenure
built on trust be rest assured that we will not compromise on of 100% provided policy is renewed with during the period of hospitalization 51-55 MER, RUA, FBS, ECG, CBC, TC Dependent 32%
directly related to the insured person's Parents for more than 3
your health insurance and neither should you. Think Ahead! us without a break. In the case a claim
is made during the policy year, the medical or surgical treatment of illness/ 56-60 MER, RUA, FBS, CBC, Lipids, ECG
cumulative bonus would reduce by 10% disease/injury. Apply Apply
Total discount
Total discount
Total
in the following year. 61-65
MER, RUA, FBS, CBC, Lipids, TMT, LFT, RFT, USG
Abd , HbA1C
Premium calculated are Exclusive of GST