TATA AIG Medicare Lite Policy

Tata AIG Medicare Lite is a budget-friendly health insurance plan is a budget-friendly health insurance plan that provides coverage for hospitalization expenses, pre and post-hospitalization costs, as well as AYUSH treatment. It is designed to offer comprehensive coverage while being affordable for individuals and families.

This plan is ideal for those seeking an affordable basic health insurance option, whether they are individuals or families. It ensures coverage for individuals across various age groups, starting from just 91 days old to senior citizens.

The TATA AIG Medicare LITE plan provides coverage for a single private room, which is a basic and cost-effective option for a single patient in a hospital. This room type includes an attached bathroom and is air-conditioned. However, it does not cover deluxe rooms, suites or VIP rooms.

Higher room category expenses, excluding pharmacy costs, consumables, implants, medical devices or diagnostic expenses, will be shared by the insured person. This includes the difference between actual room rent and single private room rent, as well as associated medical expenses like nursing charges and operation theatre charges for medical professionals.

Yes, TATA AIG Medicare Lite offers a daily cash benefit for shared accommodation. The insured person receives a fixed amount per day of hospitalization in shared accommodation, up to a maximum limit specified in the policy schedule. This benefit is applicable within the network of the valued provider - Pan India.

Yes, TT AIG Medicare Lite offers unlimited teleconsultation services as part of its wellness benefits. These services connect insured individuals with qualified medical professionals to address their health concerns or provide preventive care.

Yes, TATA AIG Medicare LITE provides an annual health checkup benefit for all insured individuals. This benefit can be availed once per policy year and can be scheduled at the insured person’s home or through empanelled service providers. The checkups are available on a cashless basis, as long as the policy is active.

Yes, TATA AIG Medicare Lite provides health checkups to all insured individuals, regardless of whether a claim was made in the previous policy year.

No, TATA AIG Medicare LITE does not include the expenses of consumables in its coverage for inpatient hospitalization.

TATA AIG MedicareLite offers a different room category eligibility, coverage for pre and post-hospitalization expenses, preventive health checkups, consumables and global coverage compared to the standard Medicare plan. The LITE version provides more basic coverage options.

Yes, TATA AIG Medicare LITE has two types of co-payment:

• Age-linked Co-Payment: 20%
• Out-of-Network Co-Payment: 30% for treatment outside the network of the Valued Provider - Pan India.

'Valued Provider - Pan India' is a network of hospitals approved by Tata AIG for cashless medical services. The list of hospitals can be found on the TATA AIG website.

The 'Valued Provider - Pan India' network is separate from the “Standard Network Provider” list and is essential for accessing cashless services under TATA AIG Medicare Lite. Only hospitals listed under the “Valued Provider - Pan India” network are eligible for cashless services.

Yes, treatment received outside the network will incur a 30% co-payment, unless it is for hospitalization resulting from an accident.

The 'Out of Network Co-Payment' is applicable at a rate of 30% for claims related to treatment received from healthcare providers outside the Valued Provider - Pan India network, unless the treatment is for accidental injury.

If the insured person is 61 years or older when their first policy coverage begins, they must pay 20% of each admissible claim, regardless of whether the policy was ported from another insurer.

No, the Age-linked Co-Payment is determined by the insured person’s age during their initial policy coverage.

You can access the updated list of excluded providers on the TATA AIG website or through the TATA AIG customer mobile app. Keep in mind that expenses for treatment in excluded hospitals will not be covered by your policy.