{"uin":"TATHLIP27061V022627","name":"TATA AIG MediCare Select","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"TATA AIG MediCare Select is an indemnity health policy for India, sold as MediCare Select, SMART (sum insured Rs 5 to 20 Lacs, twin sharing room) and ELITE (Rs 25 to 300 Lacs, any room, consumables in-built) for 1 to 5 years, individually or as a family floater. It pays pre- and post-hospitalisation for 90 days each, restores the base sum insured an unlimited number of times a year after the first claim, and has waiting periods of 30 days, 24 months for listed illnesses and 36 months for pre-existing diseases.","analysis":{"state":"extracted","analysed_at":"2026-10-19 17:40:50.145074+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"cross-checked","value":["TATA AIG MediCare Select","TATA AIG MediCare Select - SMART","TATA AIG MediCare Select - ELITE"],"display":"MediCare Select, MediCare Select SMART, MediCare Select ELITE","note":"The policy wording does not name the SMART and ELITE variants; they appear in the prospectus benefit table and the CIS. They differ in sum insured options, room category, consumables and no claim bonus.","quote":"<< TATA AIG MediCare Select>>/<< TATA AIG MediCare Select – SMART>>/<< TATA AIG MediCare Select -ELITE>> ... Benefit Name/ | TATA AIG MediCare Select | TATA AIG MediCare Select - | TATA AIG MediCare Select - ... Coverage Limit | SMART | ELITE","sources":[{"clause":"Row 1","heading":"Name of the Insurance Product/Policy","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1087#c-row-1"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"The policy can be bought for 1, 2, 3, 4 or 5 years.","display":"1, 2, 3, 4 or 5 years","note":"From the prospectus. Multi-year policies get a long term discount only with single premium payment.","quote":"Policy Term | 1 Year/ 2 Years/ 3 Years/4 Years/5 Years ... This discount is available only with ‘Single’ Premium Payment mode.","sources":[{"clause":"1","heading":"Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-1"},{"clause":"7","heading":"Discounts on premium","page":5,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-7"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"conflicting","value":"Planned hospitalisation: at least 48 hours before admission. Emergency hospitalisation: within 24 hours of admission or at discharge, whichever is earlier.","display":"48 hours before planned admission; within 24 hours of emergency admission","note":"The insurer may waive the condition in extreme hardship. Prospectus and CIS add for reimbursement claims: 'Intimate Us within 7 days of completion of treatment, consultation or procedure' and 'Submit claim documents within 15 days of occurrence of incident', which allows more time than the wording's 24 hours or discharge, whichever is earlier.","quote":"If any treatment for which a claim may be made and that treatment requires planned Hospitalization/ Day Care Treatment/ AYUSH/ Domiciliary Treatment: | At least 48 hours prior to the Insured Person’s admission/ start of treatment. ... requires emergency Hospitalization/ Day Care Treatment | Within 24 hours of the Insured Person’s admission to Hospital or at the time of discharge, whichever is earlier. ... We may waive off this condition in extreme cases of hardship ... Our TPA/We must be informed within 7 days of completion of such treatment, consultation or procedure using the Claim Intimation Form. ... For Reimbursement of Claim: Intimate Us within 7 days of completion of treatment, consultation or procedure. Submit claim documents within 15 days of occurrence of incident.","sources":[{"clause":"Section 5(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-a"},{"clause":"13(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-13-c"},{"clause":null,"heading":"C7. Aggregate Deductible","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1087#c-c7-aggregate-deductible"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Claim form, completed and signed","Original bills and receipts or prescriptions","Medical reports, case histories, investigation reports, indoor case papers, discharge summaries","A precise diagnosis","Detailed list of medical services with unit prices (if not in the hospital bill)","Prescriptions naming the insured person, with drug prices and receipts","Pre and post investigation, treatment and follow up records","Treating doctor's certificate on missing information","Copy of settlement letter from other insurer or TPA","Stickers and invoice of implants","MLC and FIR copies for accident claims, if available","NEFT and KYC documents","Legal heir/succession certificate, if required","PM report, wherever applicable","Documents proving NRI/OCI residential status at the time of claim"],"display":"Claim form, original bills, medical reports and discharge summary, prescriptions, KYC and NEFT, and others","note":"The company may call for additional documents. The wording asks for documents within 15 days of the request or of discharge or completion of treatment; prospectus and CIS say within 15 days of the incident.","quote":"Our claim form, duly completed and signed for on behalf of the Insured Person. ... Original Bills (pharmacy purchase bill, consultation bill, diagnostic bill, medical devices) and any attachments thereto like receipts or prescriptions ... All medical reports, case histories, investigation reports, indoor case papers/ treatment papers (in reimbursement cases, if available), discharge summaries. ... A precise diagnosis of the treatment for which a claim is made. ... A detailed list of the individual medical services and treatments provided and a unit price for each in case not available in the submitted Hospital bill. ... Prescriptions that name the Insured Person and in the case of drugs: the drugs prescribed, their price and a receipt for payment. ... All pre and post investigation, treatment and follow up (consultation) records pertaining to the present ailment ... Treating doctor’s certificate regarding missing information in case histories ... Copy of settlement letter from other insurance company or TPA. ... Stickers and invoice of implants used during Surgery. ... Copy of MLC (Medico legal case) records, if carried out and FIR (First information report), if registered, in case of claims arising out of an Accident and available with the claimant. ... currently mandatory NEFT (to enable direct credit of claim amount in bank account) and KYC (recent ID/Address proof and photograph) requirements. ... Legal heir/succession certificate, if required ... PM report (wherever applicable) ... The documents validating the residential status of NRI/OCI at the time of claim. ... The Company reserves the right to call for additional documents wherever required. ... within 15 days or earlier of Our request or the Insured Person’s discharge from Hospitalization or completion of treatment.","sources":[{"clause":"Section 5(a)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-a-3"},{"clause":"Section 5(b)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-b-3"},{"clause":"Section 5(c)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-c-3"},{"clause":"Section 5(d)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-d-2"},{"clause":"Section 5(e)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-e-2"},{"clause":"Section 5(f)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-f-2"},{"clause":"Section 5(g)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-g-2"},{"clause":"Section 5(h)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-h"},{"clause":"Section 5(i)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-i"},{"clause":"Section 5(j)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-j"},{"clause":"Section 5(k)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-k"},{"clause":"Section 5(l)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-l"},{"clause":"Section 5(m)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-m"},{"clause":"Section 5(n)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-n"},{"clause":"Section 5(p)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-p"},{"clause":"Section 5(o)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-o"},{"clause":"Section 5(g)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-g"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"The insurer settles or rejects a claim within 15 days of receiving the last necessary document; for delay it pays interest at 2% above the bank rate from the date of intimation.","display":"15 days from the last necessary document","note":null,"quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... In the case of delay in the payment of a claim, the Company shall be liable to pay interest to the policyholder from the date of receipt of intimation to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"3","heading":"Claim Settlement (provision for Penal Interest)","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-3-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Pre-existing diseases for 36 months (Excl 01)","Listed diseases and procedures for 24 months (Excl 02)","Any illness in the first 30 days except accidents (Excl 03)","Admission primarily for investigation and evaluation (Excl 04)","Rest cure, rehabilitation and respite care (Excl 05)","Cosmetic or plastic surgery (Excl 08)","Hazardous or adventure sports as a professional (Excl 09)","Treatment for alcoholism, drug or substance abuse (Excl 12)","Sterility and infertility (Excl 17)","Maternity (Excl 18)","Congenital external diseases, defects or anomalies","Sleep-apnoea and sleeping disorder","All preventive care including health check-ups and vaccination","Non payable items in Annexure I, List I","Intentional self-injury or attempted suicide"],"display":"Waiting periods, investigation-only admissions, cosmetic surgery, alcoholism, infertility, maternity, preventive care and others","note":"Excl 12 is quoted from the prospectus; in the wording its code falls at a page break. Maternity and the non payable consumables can be bought back as optional covers. War, nuclear and other non-medical exclusions are under permanent exclusions.","quote":"Pre-Existing Diseases Waiting Period (Code- Excl 01) ... excluded until the expiry of 36 months of continuous coverage ... Specified Disease/Procedure Waiting Period (Code- Excl 02) ... excluded until the expiry of 24 months of continuous coverage ... 30 Days Waiting Period (Code- Excl 03):\na) Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident ... Investigation and evaluation (Code- Excl 04) ... Rest cure, rehabilitation and respite care (Code- Excl 05) ... Cosmetic or Plastic Surgery (Code- Excl 08) ... Hazardous or Adventure Sports (Code- Excl 09):\nExpenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof (Code- Excl 12). ... Sterility and Infertility (Code- Excl 17) ... Maternity (Code - Excl 18) ... Congenital External Diseases, defects or anomalies ... Sleep-apnoea and Sleeping disorder ... All preventive care including Health Check-ups, vaccination including inoculation and immunisations ... Non payable items as mentioned in Annexure I – List I of optional items ... Intentional self-Injury or attempted suicide while sane or insane.","sources":[{"clause":null,"heading":"A. Exclusions with waiting periods","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-a-exclusions-with-waiting-periods"},{"clause":null,"heading":"B. Medical Exclusions","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b-medical-exclusions"},{"clause":"4","heading":"Uncontrolled Type2 Diabetes","page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-4-2"},{"clause":null,"heading":"C. Non-Medical Exclusions","page":24,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c-non-medical-exclusions"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-10"},{"clause":"Excl12","heading":null,"page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-excl12"},{"clause":null,"heading":"A. Medical Exclusions","page":24,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-a-medical-exclusions"},{"clause":null,"heading":"B. Non-Medical Exclusions","page":25,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b-non-medical-exclusions"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"Call 022 6489 8282 (1800 267 1955 for senior citizens) or email customersupport@tataaig.com; then escalate to manager.customersupport@tataaig.com and then to the Head of Customer Services at head.customerservices@tataaig.com, before the Insurance Ombudsman or the Bima Bharosa portal.","display":"Customer support, then manager.customersupport@tataaig.com, then head.customerservices@tataaig.com","note":null,"quote":"please call Our 24*7 Customer Support Number: 022 6489 8282 / 1800 267 1955 (only for senior citizen policy holders), or email Us at customersupport@tataaig.com. ... please contact Us at manager.customersupport@tataaig.com. ... reach out to the Head of Customer Services at head.customerservices@tataaig.com. ... If You're still not satisfied after this process, You may approach the Insurance Ombudsman of concerned jurisdiction. You can also lodge a grievance on the Bima Bharosa Grievance Redressal Portal","sources":[{"clause":"15","heading":"Redressal of Grievance","page":30,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-15-2"},{"clause":null,"heading":"Escalation Level 1","page":30,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-escalation-level-1"},{"clause":null,"heading":"Escalation Level 2","page":30,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-escalation-level-2"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"5, 7.5, 10, 15, 20, 25, 50, 75, 100, 200 or 300 Lacs.","display":"Rs 5 Lacs to Rs 300 Lacs (5, 7.5, 10, 15, 20, 25, 50, 75, 100, 200, 300 Lacs)","note":"MediCare Select: all options. SMART: 5 to 20 Lacs. ELITE: 25 to 300 Lacs.","quote":"• 5 Lacs | • 15 Lacs | • 50 Lacs | • 200 Lacs\n• 7.5 Lacs | • 20 Lacs | • 75 Lacs | • 300 Lacs\n• 10 Lacs | • 25 Lacs | • 100 Lacs ... Sum Insured Options | 5/7.5/10/15/20/25/50/75/100/ 200/300 Lacs | 5/7.5/10/15/20 Lacs | 25/50/75/100/ 200/300 Lacs","sources":[{"clause":"2","heading":"Sum Insured options (in ₹)","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-2"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Accidents are covered from day one. Does not apply with continuous coverage of more than twelve months; applies afresh to an enhanced sum insured.","quote":"30 Days Waiting Period (Code- Excl 03):\na) Expenses related to the treatment of any Illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an Accident, provided the same are covered. ... b) This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve months. ... The within referred waiting period is made applicable to the enhanced Sum Insured in the event of granting higher Sum Insured subsequently.","sources":[{"clause":null,"heading":"A. Exclusions with waiting periods","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-a-exclusions-with-waiting-periods"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"cross-checked","value":{"unit":"months","amount":36},"display":"36 months","note":"Applies afresh to any increase in sum insured; reduced by prior continuous coverage under portability.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Policy with Us. ... In case of enhancement of Sum Insured the exclusion shall apply afresh to the extent of Sum Insured increase. ... waiting period for the same would be reduced to the extent of prior coverage.","sources":[{"clause":null,"heading":"A. Exclusions with waiting periods","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-a-exclusions-with-waiting-periods"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"cross-checked","value":{"unit":"months","amount":24},"display":"24 months","note":"Single tier. Not applied to accident claims. If the condition is also pre-existing, the longer (36 month) period applies.","quote":"Expenses related to the treatment of the listed conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first Policy with Us. This exclusion shall not be applicable for claims arising due to an Accident. ... If any of the specified disease/procedure falls under the waiting period specified for Pre-Existing Diseases, then the longer of the two waiting periods shall apply.","sources":[{"clause":null,"heading":"A. Exclusions with waiting periods","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-a-exclusions-with-waiting-periods"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"cross-checked","value":["Tumors, cysts, polyps including breast lumps (benign)","Polycystic ovarian disease, fibromyoma, adenomyosis, endometriosis","Prolapsed uterus","Gout and rheumatism, rheumatoid arthritis, non-infective arthritis","Ligament, tendon or meniscal tear","Prolapsed inter-vertebral disc and spinal diseases unless arising from accident","Cholelithiasis","Pancreatitis","Fissure/fistula in anus, haemorrhoids, pilonidal sinus","Ulcer and erosion of stomach and duodenum","Gastro esophageal reflux disorder (GERD)","Liver cirrhosis","Perineal abscesses","Perianal/anal abscesses","Calculus diseases of urogenital system (kidney stone, bladder stone)","Benign hyperplasia of prostate","Varicocele","Cataract, retinal detachment, glaucoma","Congenital internal diseases","Osteoarthritis and osteoporosis","Systemic connective tissue disorders, inflammatory polyarthropathies","Adenoidectomy","Mastoidectomy","Tonsillectomy","Tympanoplasty","Surgery for nasal septum deviation and nasal concha resection","Surgery for turbinate hypertrophy","Hysterectomy","Joint replacement","Cholecystectomy","Hernioplasty or herniorraphy","Surgery/procedure for benign prostate enlargement","Surgery for hydrocele/rectocele/spermatocele","Surgery of varicose veins and varicose ulcers","Obesity/weight control procedures including gastric bypass surgeries"],"display":"Benign tumours and cysts, joint and spine conditions, stones, hernia, cataract, joint replacement, hysterectomy and others","note":"The policy also prints AYUSH names alongside many conditions.","quote":"Tumors, Cysts, polyps including breast lumps (benign) ... Polycystic ovarian disease (garbhashaya granthi), Fibromyoma {Aartav dushti (Sowmya arbudham)}, Adenomyosis, Endometriosis ... Prolapsed Uterus ... Gout and Rheumatism ... Rheumatoid arthritis, Non-infective arthritis ... Ligament, Tendon or Meniscal tear ... Prolapsed Inter-Vertebral Disc (Katishool, Greevashool, Grudhrasi vata) and Spinal Diseases including spondylitis/spondylosis unless arising from Accident ... Cholelithiasis (yakrut roga) VIII) Pancreatitis IX) Fissure/fistula in anus, haemorrhoids, pilonidal sinus ... Ulcer & erosion of stomach & duodenum XI) Gastro Esophageal Reflux Disorder (GERD) ... Liver Cirrhosis XIII) Perineal Abscesses (bhagandhara) XIV) Perianal / Anal Abscesses XV) Calculus diseases of Urogenital system Example: Kidney stone, Urinary bladder stone ... Benign Hyperplasia of prostate (Asththila vruddhi) XVII) Varicocele ... Cataract (avrana Shukla), Retinal detachment, Glaucoma ... XIX. Congenital Internal Diseases\nXX. Osteoarthritis and osteoporosis ... XXI. Systemic connective tissue disorders, inflammatory polyarthropathies ... XXII. Adenoidectomy XXIII. Mastoidectomy\nXXIV. Tonsillectomy\nXXV. Tympanoplasty\nXXVI. Surgery for nasal septum deviation and Nasal concha resection XXVII. Surgery for Turbinate hypertrophy XXVIII. Hysterectomy\nXXIX. Joint replacement ... XXX. Cholecystectomy\nXXXI. Hernioplasty or Herniorraphy XXXII. Surgery/procedure for Benign prostate enlargement XXXIII. Surgery for Hydrocele/ Rectocele/Spermatocele XXXIV. Surgery of varicose veins and varicose ulcers\nXXXV. Obesity / Weight control procedures including Gastric bypass surgeries","sources":[{"clause":null,"heading":"A. Exclusions with waiting periods","page":20,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-a-exclusions-with-waiting-periods"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"years","amount":5},"display":"5 years","note":"For an increased sum insured, the five years run from the date of the increase on the increased part.","quote":"After completion of five continuous years of coverage (including Portability and Migration) in health insurance Policy, no Policy and claim shall be contestable by the Insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. ... Wherever the Sum Insured is enhanced, completion of five continuous years would be applicable from the date of enhancement of sums insured only on the enhanced limits.","sources":[{"clause":"12","heading":"Moratorium Period","page":29,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-12-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. The whole policy with all family members can be ported to another insurer by applying at least 30 days, but not earlier than 60 days, before renewal, keeping accrued continuity benefits for sum insured, no claim bonus, specific waiting periods, pre-existing disease waiting period and moratorium.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credit kept","note":"Migration to another Tata AIG health product is also allowed, applying at least 30 days before renewal.","quote":"The Insured Person will have the option to port the Policy to other insurers by applying to such Insurer to port the entire Policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the Policy Renewal date per IRDAI guidelines. ... the proposed Insured Person will get the accrued continuity benefits to the extent of the Sum Insured, No Claim Bonus, specific waiting periods, waiting period for pre-existing disease, Moratorium period etc from the existing Insurer to the acquiring Insurer ... The Insured Person will have the option to migrate the Policy to other health insurance products/plans offered by the company by applying for Migration of the Policy at least 30 days before the Policy Renewal date","sources":[{"clause":"9","heading":"Portability","page":28,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-9-2"},{"clause":"8","heading":"Migration","page":28,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-8-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes, lifelong renewal","note":"Renewal can be refused on grounds of established fraud, non-disclosure or misrepresentation.","quote":"Lifelong renewal: We offer you a lifelong renewal for your policy provided premium is paid without any break. ... Cover Ceasing age | There is no maximum cover ceasing age under this policy. ... The Policy shall ordinarily be renewable except on grounds of established fraud, non-disclosure or misrepresentation by the Insured Person.","sources":[{"clause":"4","heading":"Key Benefits","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-4"},{"clause":"1","heading":"Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-1"},{"clause":"10","heading":"Renewal of Policy","page":28,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-10-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. No loading applies at renewal based on individual claims experience, but the Favorable Experience Discount at renewal falls from 20% with no claim year in the last 3 policy years to 10%, 5% and 0% with 1, 2 and 3 claim years.","display":"No claim-based loading; renewal discount (20%) reduces with claims","note":"Claims only under the daily cash benefits or Maternity Care do not count as a claim year. A risk loading set at underwriting continues at renewals.","quote":"vii. No loading shall apply on Renewals based on individual claims experience. ... Claim Years in last 3 Policy Years | Discount\n3 Years | 0%\n2 Years | 5%\n1 Year | 10%\nNo Claim | 20% ... a Policy year with claim only under ‘Daily Cash for choosing Twin Sharing Accommodation’, ‘Daily Cash for choosing Multi-Sharing Accommodation’ and ‘Maternity Care’ benefit will not be considered a ‘Claim Year’ ... These loadings are applied from Commencement Date of the Policy including subsequent Renewal(s) with Us","sources":[{"clause":"10(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-10-b"},{"clause":"18","heading":"Loadings","page":31,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-18-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation and evaluation (Excl 04)","Rest cure, rehabilitation and respite care (Excl 05)","Obesity/weight control surgery not meeting the stated conditions (Excl 06)","Change-of-gender treatments (Excl07)","Cosmetic or plastic surgery (Excl 08)","Hazardous or adventure sports as a professional (Excl 09)","Breach of law (Excl 10)","Excluded providers (Excl 11)","Alcoholism, drug or substance abuse (Excl 12)","Health hydros, nature cure clinics, spas, admission for domestic reasons (Excl13)","Dietary supplements without prescription (Excl14)","Refractive error less than 7.5 dioptres (Excl 15)","Unproven treatments (Excl 16)","Sterility and infertility (Excl 17)","Maternity (Excl 18)","Alcoholic pancreatitis or alcoholic liver disease","Congenital external diseases, defects or anomalies","Stem cell therapy, except haematopoietic stem cells for bone marrow transplant","Growth hormone therapy","Sleep-apnoea and sleeping disorder","Admission primarily for immunoglobulin infusion or supplementary medications","Venereal or sexually transmitted disease","All preventive care including health check-ups and vaccination","Dentures, dental implants, braces; dental treatment unless from an accident hospitalisation","Non-allopathic treatment other than the AYUSH benefit","Any disease named as a permanent exclusion in the policy schedule","Non payable items in Annexure I, List I","War, nuclear, chemical or biological attack","Participation in armed forces operations","Intentional self-injury or attempted suicide","Influence of intoxicating liquor or drugs","Items of personal comfort and convenience","Hearing aids, spectacles, contact lenses","Alopecia, wigs, elastic stockings, diabetic test strips","External appliances or devices except used intra-operatively","Treatment by a medical practitioner outside his discipline","Doctor's fees charged by a practitioner sharing the insured's residence or an immediate relative","Treatment that is not reasonable and customary, nor medically necessary","Expenses not supported by a prescription or not related to the admissible illness","Illness or injury between proposal and commencement not communicated and accepted"],"display":"Standard exclusions Excl 04 to Excl 18 and the policy's own medical and non-medical exclusions","note":"Excl 12 is quoted from the prospectus; in the wording its code falls at a page break. Maternity (Excl 18) and the non payable consumables can be bought back as optional covers.","quote":"Investigation and evaluation (Code- Excl 04) ... Rest cure, rehabilitation and respite care (Code- Excl 05) ... Obesity/ Weight Control (Code- Excl 06):\nExpenses related to surgical treatment of obesity that does not fulfil the below conditions ... Change-of-Gender treatments (Code- Excl07) ... Cosmetic or Plastic Surgery (Code- Excl 08) ... Hazardous or Adventure Sports (Code- Excl 09):\nExpenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Breach of law (Code- Excl 10) ... Excluded Providers: (Code-Excl 11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof (Code- Excl 12). ... Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or where admission is arranged wholly or partly for domestic reasons. (Code- Excl13) ... Dietary supplements and substances that can be purchased without prescription ... (Code-Excl14) ... Refractive error (Code- Excl 15): Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres. ... Unproven treatments (Code- Excl 16) ... Sterility and Infertility (Code- Excl 17) ... Maternity (Code - Excl 18) ... Alcoholic pancreatitis or Alcoholic liver disease;\nii. Congenital External Diseases, defects or anomalies;\niii. Stem cell therapy; however, hematopoietic stem cells for bone marrow transplant for haematological conditions will be covered under this Policy,\niv. Growth Hormone Therapy;\nv) Sleep-apnoea and Sleeping disorder;\nvi) Admission primarily for administration (via any form or mode) of immunoglobulin infusion or supplementary medications ... Venereal disease, sexually transmitted disease or Illness;\nviii) All preventive care including Health Check-ups, vaccination including inoculation and immunisations;\nix) Cost of dentures, dental implants and braces; Dental Treatment or Dental Surgery of any kind unless incidental to an admissible Hospitalization claim where the cause of admission is Accident;\nx) Any form of Non-Allopathic treatment (except AYUSH Benefit) ... Any existing disease specifically mentioned as Permanent exclusion in the Policy Schedule. ... Non payable items as mentioned in Annexure I – List I of optional items ... War or any act of war ... Nuclear, chemical or biological attack or weapons ... Any Insured Person’s participation or involvement in armed forces or related operation. ... Intentional self-Injury or attempted suicide while sane or insane. ... If the Insured Person is under the influence of intoxicating liquor or drugs or other intoxicants ... Items of personal comfort and convenience ... Hearing aids, spectacles or contact lenses ... Any treatment and associated expenses for alopecia, baldness, wigs or toupees, medical supplies including elastic stockings, diabetic test strips ... Any external appliance and/or device used for diagnosis or treatment except when used intra-operatively. ... Treatment rendered by a Medical Practitioner which is outside his discipline. ... Doctor’s fees charged by the Medical Practitioner sharing the same residence as an Insured Person or who is an immediate relative of an Insured Person's family. ... Any treatment or part of a treatment that does not form part of ‘Reasonable and Customary charges’, nor is medically necessary; ... Expenses which are either not supported by a prescription of a Medical Practitioner or are not related to Illness or disease for which claim is admissible under the Policy. ... Any Illness diagnosed or Injury sustained or where there is change in health status of the member after date of proposal and before commencement of Policy and the same is not communicated and accepted by Us.","sources":[{"clause":null,"heading":"B. Medical Exclusions","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b-medical-exclusions"},{"clause":"4","heading":"Uncontrolled Type2 Diabetes","page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-4-2"},{"clause":null,"heading":"C. Non-Medical Exclusions","page":24,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c-non-medical-exclusions"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-10"},{"clause":"Excl12","heading":null,"page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-excl12"},{"clause":null,"heading":"A. Medical Exclusions","page":24,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-a-medical-exclusions"},{"clause":null,"heading":"B. Non-Medical Exclusions","page":25,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b-non-medical-exclusions"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"You may cancel with 7 days written notice and get a proportionate refund of premium for the unexpired policy period; no refund if any claim has been admitted or lodged or any benefit availed.","display":"Proportionate refund for the unexpired period, none if a claim was made","note":null,"quote":"The policyholder may cancel this Policy by giving 7 days written notice and in such an event, the Company shall refund proportionate premium for unexpired Policy Period. No refunds of premium shall be made in respect of Cancellation where any claim has been admitted or has been lodged or any benefit under this Policy has been availed by the Insured Person.","sources":[{"clause":"7","heading":"Cancellation","page":28,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-7-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India only.","display":"India only","note":null,"quote":"All benefits under this Policy are restricted to the geography of India. ... This Policy only covers claims incurred within India, and payments under this Policy shall only be made in Indian Rupees within India.","sources":[{"clause":"Section 2","heading":"Benefits","page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-2"},{"clause":"Section 5(b)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-b-4"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Refund only if no claim was made; less proportionate risk premium, medical examination and stamp duty costs.","quote":"The insured person shall be provided a free look period of thirty days beginning from the date of receipt of the policy document ... the Insured Person shall be entitled to a refund of the premium paid subject to deduction of proportionate risk premium for the period of cover and the expenses, if any, incurred by Us on medical examination of the proposer and stamp duty charges.","sources":[{"clause":"14","heading":"Free look period","page":30,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-14-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days (15 days for monthly instalments)","note":"15 days where premium is paid monthly; 30 days for annual, half-yearly, quarterly, limited premium and renewals.","quote":"The Grace Period for payment of the premium during the Policy Period, for instalment premium shall be fifteen days where premium payment mode is monthly and thirty days in all other cases ... Single premium payment mode Policy can be renewed within the Grace Period of 30 days to maintain continuity of benefits without Break in Policy.","sources":[{"clause":"10(iv)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-10-iv"},{"clause":"10(iii)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-10-iii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"Adults from 18 years with no maximum entry age; dependent children from 0 days to 25 years.","display":"Adults 18 years and above (no maximum); children 0 days to 25 years","note":"From the prospectus. Children aged 0 days to 5 years only when both parents are insured. Proposer must be 18 or above.","quote":"Entry Age: Minimum | Child- 0 days Dependent children between 0 days and 5 years can be insured only when both parents are getting insured. Adult- 18 years ... Entry Age: Maximum | Child- 25 years Adult- No limit ... Age of Proposer | 18 years or above","sources":[{"clause":"1","heading":"Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Single premium","Annual","Half-yearly","Quarterly","Monthly","Limited premium paying term"],"display":"Single, annual, half-yearly, quarterly, monthly or limited premium paying term","note":"From the prospectus. Instalments carry loadings (for a 1 year policy: monthly 5.00%, quarterly 4.00%, half-yearly 2.50%).","quote":"Monthly/Quarterly/Half-Yearly/Annual and Limited Premium paying term instalment option would be allowed and following loadings shall be applicable as per the selected instalment option and Policy Tenure ... Single premium payment mode Policy ... Monthly | 5.00% | 9.00% | 13.00% ... Quarterly | 4.00% | 8.00% | 12.00% ... Half-Yearly | 2.50% | 7.00% | 11.00%","sources":[{"clause":"22","heading":"Premium Rates","page":19,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-22"},{"clause":"10(iii)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-10-iii"},{"clause":null,"heading":"Loading %","page":19,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-loading"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Consumables Benefit","Maternity Care","Reduction of Maternity Care Waiting Period","Infinite Advantage","Early Access","Room Category Select","Aggregate Deductible","Long Term Claim Free Benefit"],"display":"Consumables, Maternity Care, maternity waiting reduction, Infinite Advantage, Early Access, Room Category Select, Aggregate Deductible, Long Term Claim Free Benefit","note":"Consumables Benefit is in-built in ELITE; Room Category Select is only for MediCare Select (NA for SMART and ELITE). Riders sold separately: Supercharge Bonus Rider (in-built in ELITE for sum insured 20L and above) and Valued Provider Network (in-built in SMART); the CIS leaves the rider UIN as a blank placeholder.","quote":"Consumables Benefit ... Maternity Care ... Reduction of Maternity Care Waiting Period ... Infinite Advantage ... Early Access ... Room Category Select ... Aggregate Deductible ... Long Term Claim Free Benefit ... In-Built NME (specified consumables) covered Up to Sum Insured ... Supercharge Bonus Rider | Optional Rider ... In-Built For SI 20L and above ... Introduction of Valued Provider Network | Optional Rider | In-Built | Optional Rider ... Room Category Select** | Any Room/ Twin sharing Accommodation | NA | NA ... Rider(s) for TATA AIG MediCare Select UIN << >>","sources":[{"clause":null,"heading":"C1. Consumables Benefit","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c1-consumables-benefit"},{"clause":null,"heading":"C2. Maternity Care","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c2-maternity-care"},{"clause":null,"heading":"C3. Reduction of Maternity Care Waiting Period","page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c3-reduction-of-maternity-care-waiting-period"},{"clause":null,"heading":"C4. Infinite Advantage","page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c4-infinite-advantage"},{"clause":null,"heading":"C5. Early Access","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c5-early-access"},{"clause":null,"heading":"C6. Room Category Select","page":18,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c6-room-category-select"},{"clause":null,"heading":"C7. Aggregate Deductible","page":19,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c7-aggregate-deductible"},{"clause":null,"heading":"C8. Long Term Claim Free Benefit","page":19,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c8-long-term-claim-free-benefit"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-22"},{"clause":null,"heading":"Optional Covers","page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-optional-covers"},{"clause":null,"heading":"C7. Aggregate Deductible","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1087#c-c7-aggregate-deductible"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"For instalment premiums within the policy period, cover continues from the due date until the premium is received within the grace period. At the end of the policy period (and for single premium policies) there is no cover during the grace period.","display":"Covered for instalment premiums within the policy period; not covered in the renewal grace period","note":null,"quote":"Within the Policy Period - coverage will be available from the due date of instalment premium till the date of receipt of premium by Company within the Grace Period. ... At the end of the Policy Period - the Policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without Break in Policy. Coverage is not available during the Grace Period after the end of the Policy Period. ... Single premium payment mode Policy can be renewed within the Grace Period of 30 days to maintain continuity of benefits without Break in Policy. Coverage is not available during the Grace Period after the end of the Policy Period.","sources":[{"clause":"10(a)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-10-a"},{"clause":"10(b)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-10-b"},{"clause":"10(iii)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-10-iii"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"cross-checked","value":"A room category limit, not a rupee amount: Single Private Room in MediCare Select, Twin Sharing in SMART, any room in ELITE.","display":"Single Private Room (Twin Sharing in SMART, any room in ELITE)","note":"The optional Room Category Select changes the MediCare Select entitlement to any room or twin sharing. Choosing a cheaper room earns daily cash (Rs 1200 per day twin sharing, Rs 1500 per day multi-sharing, over and above the sum insured) where the entitlement is a Single Private Room or higher; not in SMART.","quote":"Room Rent, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home, up to the room category specified in the Policy Schedule. ... Room Category** | Single Private Room | Twin sharing Accommodation | Any Room ... Room Category Select** | Any Room/ Twin sharing Accommodation | NA | NA ... Daily Cash for choosing Twin Sharing Accommodation | Rs 1200 per day (Over & Above base sum insured) ... Daily Cash for choosing Multi- Sharing Accommodation | Rs 1500 per day (Over & Above base sum insured)","sources":[{"clause":null,"heading":"B1. In-Patient Treatment","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b1-in-patient-treatment"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-22"},{"clause":null,"heading":"Optional Covers","page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-optional-covers"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"cross-checked","value":"Single Private Room in MediCare Select, Twin Sharing Accommodation in SMART, any room in ELITE.","display":"Single Private Room (Twin Sharing in SMART, any room in ELITE)","note":"MediCare Select can opt for Room Category Select (any room or twin sharing).","quote":"Room Rent, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home, up to the room category specified in the Policy Schedule. ... Room Category** | Single Private Room | Twin sharing Accommodation | Any Room ... Room Category Select** | Any Room/ Twin sharing Accommodation | NA | NA","sources":[{"clause":null,"heading":"B1. In-Patient Treatment","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b1-in-patient-treatment"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-22"},{"clause":null,"heading":"Optional Covers","page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-optional-covers"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"cross-checked","value":"No separate ICU cap: ICU and ICCU expenses are paid as part of in-patient treatment up to the sum insured, and proportionate deductions do not apply to ICU charges.","display":"No separate cap, up to the sum insured","note":null,"quote":"iii. Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses ... Proportionate deductions are not applicable for ICU Charges. ... In-Patient Treatment | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured","sources":[{"clause":null,"heading":"B1. In-Patient Treatment","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b1-in-patient-treatment"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"cross-checked","value":"Yes. In a room above the entitled category, the insured bears a rateable proportion of the room rent and all associated medical expenses; not applied to ICU charges or where the hospital does not follow differential billing.","display":"Yes, on room rent and associated medical expenses (not ICU)","note":"Associated medical expenses exclude pharmacy, consumables, implants, medical devices and diagnostics.","quote":"If the Insured Person is admitted in a room whose category is higher than the one that is specified in the Policy Schedule, then the Insured Person shall bear a rateable proportion of the Room Rent and the total Associated Medical Expenses ... Proportionate deductions are not applicable for ICU Charges. ... Such proportionate deductions, if any, will not be applied in respect of the Hospitals which do not follow differential billing ... excluding cost of pharmacy and consumables, cost of implants and medical devices, cost of diagnostics","sources":[{"clause":null,"heading":"B1. In-Patient Treatment","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b1-in-patient-treatment"},{"clause":null,"heading":"2. Aggregate Deductible","page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-2-aggregate-deductible"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"not-stated","value":null,"display":null,"note":"No co-payment is printed in the wording, prospectus or CIS; the claim assessment steps list only non-payable items, associated medical expenses and the optional aggregate deductible. The Valued Provider Network rider (in-built in SMART) is not described in these documents.","quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"cross-checked","value":"None unless the optional Aggregate Deductible is chosen.","display":"None unless opted","note":"Optional aggregate deductible per policy year of Rs 10,000, 25,000, 50,000 or 1,00,000, for a premium discount.","quote":"In consideration of premium discount availed by You, Our liability under this Policy shall be subject to Aggregate Deductible as specified in the Policy Schedule ... Aggregate Deductible | Deductible options (Rs.): 10,000/ 25,000/ 50,000/ 1,00,000","sources":[{"clause":null,"heading":"C7. Aggregate Deductible","page":19,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c7-aggregate-deductible"},{"clause":null,"heading":"Optional Covers","page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-optional-covers"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"cross-checked","value":["None for named diseases or procedures; the only sub-limit listed is the room category"],"display":"None listed","note":"From the CIS sub-limit row, which names no disease or procedure; in-patient treatment (including modern treatments) is paid up to the sum insured in all three variants.","quote":"The policy will pay only up to the limits specified hereunder for the following diseases/procedures Sub-limit: Benefit Specific Sub-limit • Room Category -<<Single Private Room>> / <<Twin Sharing Room>> / <<Any Room>> ... In-Patient Treatment | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured","sources":[{"clause":null,"heading":"C7. Aggregate Deductible","page":2,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1087#c-c7-aggregate-deductible"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":90},"display":"90 days","note":"Up to the sum insured in all variants; payable if a claim is admitted under in-patient, day care or domiciliary treatment.","quote":"We will cover expenses for pre-hospitalization consultations, investigations and medicines incurred upto 90 days prior to the date of admission to the Hospital. ... The benefit is payable if We have admitted a claim under B1, B4, or B6. ... 90 Days, Upto Sum Insured | 90 Days, Upto Sum Insured | 90 Days, Upto Sum Insured","sources":[{"clause":null,"heading":"B2. Pre-Hospitalization expenses","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b2-pre-hospitalization-expenses"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":90},"display":"90 days","note":"Up to the sum insured in all variants; payable if a claim is admitted under in-patient, day care or domiciliary treatment.","quote":"We will cover expenses for post-hospitalization consultations, investigations and medicines incurred upto 90 days after discharge from the Hospital. ... The benefit is payable if We have admitted a claim under B1, B4, or B6. ... 90 Days, Upto Sum Insured | 90 Days, Upto Sum Insured | 90 Days, Upto Sum Insured","sources":[{"clause":null,"heading":"B3. Post-Hospitalization expenses","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b3-post-hospitalization-expenses"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"cross-checked","value":"All day care treatments are covered up to the sum insured.","display":"All day care treatments, up to sum insured","note":null,"quote":"We will cover expenses for Day Care Treatment, due to disease/Illness/Injury, taken in a Hospital or a Day Care Centre, during the Policy Period. ... Day Care Procedures | All Day Care Treatments, Upto Sum Insured","sources":[{"clause":null,"heading":"B4. Day Care Procedures","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b4-day-care-procedures"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"cross-checked","value":"Covered up to the sum insured when home treatment exceeds three consecutive days; not for enteral feedings or end of life care.","display":"Yes, if treatment exceeds 3 consecutive days","note":"Needs certification from the treating doctor that the patient could not be moved or no hospital room was available.","quote":"We will cover expenses related to Domiciliary hospitalization of the Insured Person if the treatment exceeds beyond three consecutive days and is availed during the Policy Period. The treatment must be for management of an Illness and not for enteral feedings or end of life care. ... Domiciliary Treatment | Up to Sum Insured ... We shall require certification from the treating doctor ... the condition of the patient is such that he/she is not in a condition to be removed to a Hospital, or ... the patient takes treatment at home on account of non-availability of room in a Hospital.","sources":[{"clause":null,"heading":"B6. Domiciliary Treatment","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b6-domiciliary-treatment"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"},{"clause":"14","heading":"Domiciliary hospitalization","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-14"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"In-patient or day care treatment in an AYUSH hospital or AYUSH day care centre is covered up to the sum insured, with pre-hospitalisation 90 days and post-hospitalisation 90 days.","display":"Yes, up to sum insured","note":"Assessed against Ministry of AYUSH guidelines and benchmark rates; only within India.","quote":"We will cover Medical Expenses incurred for treatment as In-Patient or Day Care in an AYUSH Hospital/ AYUSH Day Care Centre, for a room category, as specified in the Policy Schedule ... Pre-hospitalization Medical Expenses for a period of upto 90 days before the date of admission to the AYUSH Hospital/ AYUSH Day Care Centre and Post-hospitalization Medical Expenses for a period upto 90 days ... AYUSH Benefit | Upto Sum Insured ... Medical Expenses incurred for AYUSH Treatment shall be assessed only under benefit B7 of this Policy and shall be admissible only if incurred within India.","sources":[{"clause":null,"heading":"B7. AYUSH Benefit","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b7-ayush-benefit"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"},{"clause":"Section 5(c)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-c-4"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"cross-checked","value":"Covered under in-patient treatment up to the sum insured with no separate cap printed: uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intra vitreal injections, robotic surgeries, stereotactic radiosurgeries, bronchial thermoplasty, prostate vaporisation, IONM and stem cell therapy for bone marrow transplant.","display":"Covered up to sum insured, no separate cap","note":"Each claim needs written justification from the treating doctor. Other stem cell therapy is excluded.","quote":"ii) Modern Treatment Methods and Advancement in Technologies\na) Each Claim under Modern Treatment Methods and Advancement in Technologies shall be subject to written clarification from the treating medical practitioner, justifying the requirement for such procedure(s). ... A. Uterine Artery Embolization and HIFU B. Balloon Sinuplasty C. Deep Brain stimulation D. Oral chemotherapy E. Immunotherapy-Monoclonal Antibody to be given as injection F. Intra vitreal injections G. Robotic surgeries H. Stereotactic radiosurgeries ... Bronchical Thermoplasty J. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) K. IONM - (Intra Operative Neuro Monitoring) L. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered. ... In-Patient Treatment | Up to Sum Insured ... Stem cell therapy; however, hematopoietic stem cells for bone marrow transplant for haematological conditions will be covered under this Policy,","sources":[{"clause":null,"heading":"B1. In-Patient Treatment","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b1-in-patient-treatment"},{"clause":null,"heading":"5. Modern Treatment Methods and Advancement in Technologies","page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-5-modern-treatment-methods-and-advancement-in-te"},{"clause":"45(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-45-i"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"},{"clause":null,"heading":"A. Medical Exclusions","page":24,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-a-medical-exclusions"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"cross-checked","value":"Yes. The donor's medical expenses for harvesting the organ are paid up to the sum insured when the insured is the recipient and the claim is admitted under in-patient treatment; donor pre/post hospitalisation and screening are not covered.","display":"Yes, harvesting costs up to sum insured","note":null,"quote":"We will cover the Medical Expenses, incurred by or in respect of the organ donor, for an organ transplant Surgery, solely towards the harvesting of the organ donated ... The Insured Person is the recipient of the organ so donated by the organ donor and the claim of such Surgery is accepted by Us under B1 of this Policy ... Pre-hospitalization Medical Expenses or Post hospitalization Medical Expenses of the organ donor\nii. Screening Expenses of the organ donor ... Organ Donor | Up to Sum Insured","sources":[{"clause":null,"heading":"B5. Organ Donor","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b5-organ-donor"},{"clause":null,"heading":"What is not covered","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-what-is-not-covered"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Registered road ambulance within a radius of 50 kilometers, up to the sum insured, for emergencies, home to hospital, hospital to hospital and hospital to home when prescribed.","display":"Road ambulance within 50 km, up to sum insured","note":"Claim must be admissible under in-patient or day care. Air ambulance is not mentioned.","quote":"We will cover expenses incurred for the transportation of the Insured Person in a registered road ambulance, within a radius of 50 kilometers ... Ambulance Cover | Up to Sum Insured","sources":[{"clause":null,"heading":"B8. Ambulance Cover","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b8-ambulance-cover"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"cross-checked","value":"Restore Infinity Plus reinstates the base sum insured an unlimited number of times in a policy year when the sum insured and cumulative bonus fall short, but not for the first admissible claim of the year; one hospitalisation is capped at the base sum insured.","display":"Unlimited restorations of base sum insured per year (not for the first claim)","note":"Unused restored amount does not carry forward. The documents do not say whether it works for the same illness. Usable only for listed indemnity covers.","quote":"We will provide reinstatement of the base Sum Insured, if the Sum Insured and Cumulative Bonus (if accrued) is insufficient to pay an admissible Hospitalization claim in the Policy. The reinstatement will be available for unlimited number of times during a Policy Year ... This benefit shall not be available for the first admissible Hospitalization/ Domiciliary Treatment claim in each Policy Year. The Sum Insured will be restored for the subsequent claim in the Policy Year. ... Our maximum liability in aggregate of all claims arising out of a single Hospitalization shall not exceed the Sum Insured of the base Policy.","sources":[{"clause":null,"heading":"B9. Restore Infinity Plus","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b9-restore-infinity-plus"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"cross-checked","value":"At the first claim-free renewal the policyholder chooses: Cumulative Bonus of 50% of the sum insured per claim-free year up to 100%, reduced by 50% of the sum insured after a claim; or a 1% discount on renewal premium per claim-free year.","display":"50% per claim-free year up to 100% (or 1% renewal discount)","note":"Default for MediCare Select and SMART. ELITE: the benefit table shows No Claim Bonus as NA (the Supercharge Bonus Rider, 100% a year up to 500% irrespective of claims, is in-built in ELITE for sum insured 20L and above). The 1% discount figure is printed only in the prospectus and CIS; the wording heading for it has no text.","quote":"50% Cumulative Bonus will be applied on the Sum Insured of the expiring Policy, on each Renewal after every claim free Policy Year, provided that the Policy is renewed with Us and without a break. The maximum Cumulative Bonus shall not exceed 100% of the Sum Insured in any Policy Year. ... If a Cumulative Bonus has been applied and a claim is made, then in the subsequent Policy Year We will automatically decrease the Cumulative Bonus by 50% of the Sum Insured in that following Policy Year. ... can opt for either Cumulative Bonus or Discount in Renewal Premium. Once opted, the option cannot be changed at subsequent renewals. ... If you choose Discount in Renewal Premium, We will allow 1% discount on renewal premium for every claim free Policy Year ... i) Cumulative Bonus: 50% of the base Sum Insured of the expiring Policy, maximum upto 100% | NA ... In-Built For SI 20L and above - 100% increase in base Sum Insured every year, max up to 500%, irrespective of Claims","sources":[{"clause":"1(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-1-i"},{"clause":"1(ii)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-1-ii"},{"clause":null,"heading":"B12. No Claim Bonus","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-b12-no-claim-bonus"},{"clause":"8(a)","heading":"No Claim Bonus","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-8-a"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":21,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-21"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-22"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"cross-checked","value":"Not covered in the base policy (non payable items are excluded) unless the optional Consumables Benefit is bought; it is in-built in ELITE and pays specified consumables up to the sum insured.","display":"Only with the optional Consumables Benefit (in-built in ELITE)","note":null,"quote":"Non payable items as mentioned in Annexure I – List I of optional items available on Our website (www.tataaig.com) ... In consideration of additional premium paid and notwithstanding the exclusion mentioned under Section 3.ii (Specific Exclusions).A.(xii), if this optional cover has been opted, We will cover expenses incurred for specified consumables, subject to balance Sum Insured ... Consumables Benefit | Optional Cover NME (specified consumables) covered Up to Sum Insured | Optional Cover NME (specified consumables) covered Up to Sum Insured | In-Built NME (specified consumables) covered Up to Sum Insured","sources":[{"clause":null,"heading":"A. Medical Exclusions","page":24,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-a-medical-exclusions"},{"clause":null,"heading":"C1. Consumables Benefit","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c1-consumables-benefit"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":22,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-tata-aig-general-insurance-company-limited-22"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Excluded in the base policy; the optional Maternity Care cover pays 10% of the sum insured up to Rs. 1,00,000 per policy year, over and above the sum insured, after a waiting period of 2 years.","display":"Only with optional Maternity Care: 10% of SI up to Rs. 1,00,000 a year, after 2 years","note":"Waiting period reduced to 1 year with the optional Reduction of Maternity Care Waiting Period. Pre/post natal care and pre/post hospitalisation excluded. Ectopic pregnancy is covered under in-patient treatment.","quote":"Maternity (Code - Excl 18) ... Maternity Care | 10% of Sum Insured, maximum up to Rs. 1,00,000 per policy year (Over & Above base sum insured) ... subject to a waiting period of 2 years of continuous coverage of the Insured Person(s) under this cover with Us.","sources":[{"clause":"Excl12","heading":null,"page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-excl12"},{"clause":null,"heading":"Optional Covers","page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-optional-covers"},{"clause":null,"heading":"C2. Maternity Care","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c2-maternity-care"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"cross-checked","value":"Only under the optional Maternity Care: medically necessary treatment of the new born baby for delivery complications during the hospitalisation, and first year vaccinations, if the childbirth claim is admissible.","display":"Only with optional Maternity Care: delivery complications and first-year vaccinations","note":"Vaccination limit is a lifetime limit per child. Children can be insured from 0 days as members.","quote":"Delivery Complications of New Born Baby:\nFor complications related to delivery, We will cover Medically Necessary Treatment of the New Born Baby incurred during the Hospitalization, if claim related to childbirth is admissible under the ‘Maternity Expenses’ cover (C2. i) of this Policy. ... We will cover vaccination expenses for the child up to their first birthday, if claim related to childbirth is admissible under the ‘Maternity Expenses’ cover ... The limit available under this benefit is a lifetime limit for each child. ... Entry Age: Minimum | Child- 0 days","sources":[{"clause":null,"heading":"C2. Maternity Care","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-c2-maternity-care"},{"clause":"1","heading":"Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-1"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":"Mental illness is not mentioned in the wording, prospectus or CIS.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"cross-checked","value":"Not covered: all preventive care including health check-ups is excluded.","display":"Not covered","note":"A pre-policy medical check-up may be required at entry; that is underwriting, not a benefit.","quote":"All preventive care including Health Check-ups, vaccination including inoculation and immunisations;","sources":[{"clause":null,"heading":"A. Medical Exclusions","page":24,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-a-medical-exclusions"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"not-stated","value":null,"display":null,"note":"No out-patient benefit is listed in the base covers; OPD treatment is only defined. Riders may differ.","quote":null,"sources":[],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"cross-checked","value":"Yes. Premium depends on the zone of the insured's residential address: Zone A (Mumbai, Delhi NCR, Ahmedabad, Surat, Baroda, Hisar), Zone B (listed cities such as Hyderabad, Bengaluru, Kolkata, Chennai, Pune) and Zone C (rest of India). No zone co-payment is printed.","display":"Yes, premium by zone A, B or C of residence","note":"With several addresses, the highest zone applies. Zones can change with 3 months' notice, effective at the next renewal.","quote":"For the purpose of premium computation, the country is divided into following three Zones and premium payable under this Policy will be computed based on the Zone as applicable for the ‘Address’ of the proposer/ Insured Person ... Zone A: Mumbai (including Mumbai Metropolitan Region), Delhi (including National Capital Region, Faridabad, Ghaziabad), Ahmedabad, Surat, Baroda and Hisar ... Zone B: Hyderabad (including Secunderabad), Sangareddy, Bengaluru, Kolkata ... Chennai ... Pune (including Pimpri Chinchwad) ... Zone C: Rest of India ... In case proposed prospect(s) reside at multiple addresses, then address of the person residing in the highest Zone will be considered. ... shall be intimated under 3 months’ notice and shall be applicable from the immediate next Renewal.","sources":[{"clause":null,"heading":"17. Zone(s)","page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-17-zone-s"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"cross-checked","value":"Yes, at network providers only, with notice at least 48 hours before planned hospitalisation or within 24 hours of emergency hospitalisation.","display":"Yes, at network hospitals","note":"Rejection of cashless does not mean rejection of the claim.","quote":"Cashless Service is only available at Our Network Provider. ... We will provide cashless service by making payment to the extent of Our liability directly to the Network Hospital. | At least 48 hours before the planned Hospitalization ... Within 24 hours of the Hospitalization and prior to discharge","sources":[{"clause":"Section 5(c)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-c"},{"clause":"Section 5(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-b"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"cross-checked","value":"The insurer's own claims unit (TAGIC Health Claims, Tata AIG) or a TPA if one is named in the policy schedule; the final decision is taken by Tata AIG.","display":"Insurer (TAGIC Health Claims), or a TPA if named in the schedule","note":"From the prospectus claims servicing details; the wording refers to 'Our designated TPA/Us'.","quote":"Name | TAGIC Health Claims\nClaims Administrator Address | TATA AIG General Insurance Company Limited ... The final decision on all claims is taken by Tata AIG General Insurance Company Limited. ... *TPA as mentioned in the Policy Schedule, if applicable.","sources":[{"clause":null,"heading":"Claims Servicing Details","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-claims-servicing-details"},{"clause":"13","heading":"Claim Procedure","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-13"},{"clause":"Section 5(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-5-a"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":true,"display":"Yes","note":"Self, spouse, up to 3 dependent children, up to 2 parents and up to 2 parents-in-law.","quote":"Coverage Options | Individual/Family floater ... In case of family floater Policy, the Sum Insured, Cumulative Bonus & Aggregate Deductible, shall be available for all Insured Persons on an aggregate basis","sources":[{"clause":"1","heading":"Suitability","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086#c-1"},{"clause":"Section 2","heading":"Benefits","page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085#c-section-2"}],"law":[]}],"documents":[{"kind":"wording","label":"TATA AIG MediCare Select (TATHLIP27061V022627)","pages":44,"fetched_at":"2026-10-19 17:40:49.878468+00","source_url":"https://www.tataaig.com/s3/medicare_select_policy_wording_0faeeb61c5.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1085"},{"kind":"prospectus","label":"TATA AIG MediCare Select (TATHLIP27061V022627)","pages":28,"fetched_at":"2026-10-19 17:40:49.878468+00","source_url":"https://www.tataaig.com/s3/medicare_select_prospectus_efd23b0ad6.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1086"},{"kind":"cis","label":"TATA AIG MediCare Select (TATHLIP27061V022627)","pages":5,"fetched_at":"2026-10-19 17:40:49.878468+00","source_url":"https://www.tataaig.com/s3/medicare_select_cis_e7df7ce2ec.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/1087"},{"kind":"brochure","label":"TATA AIG MediCare Select (TATHLIP27061V022627)","pages":1,"fetched_at":"2026-10-17 20:05:07+00","source_url":"https://www.tataaig.com/s3/medicare_select_brochure_eefe5cd661.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/16792"},{"kind":"proposal","label":"TATA AIG MediCare Select (TATHLIP27061V022627)","pages":null,"fetched_at":"2026-10-17 20:16:42+00","source_url":"https://www.tataaig.com/s3/medicare_select_proposal_form_8b0876d2a9.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627/document/31874"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"TATA AIG MediCare Select (UIN TATHLIP27061V022627), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-medicare-select-tathlip27061v022627"}