TATA AIG

Medicare Senior: Designed for those 60+, this policy requires you to pay 30% of the bill for procedures like joint replacements or angiography. Consider other senior policies if you have joint or cardiac problems.

whatWeLike What We Like

This section highlights the strengths and benefits of Medicare Senior policy by TATA AIG. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

Pre & Post hospitalization expenses covered

Domiciliary Cover: The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. This i...

Learn More

Full coverage even if you are forced to hospitalize at home

Coverage Limits for Certain Treatments: Your insurance cover won’t be fully available if treated for angiography, joint replacement, hernia, and a few...

Learn More

whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of Medicare Senior policy by TATA AIG. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Day Care treatments covered up to a certain limit

Minor Procedure Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover 85% of the costs. This applies t...

Learn More

whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of Medicare Senior policy by TATA AIG. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Restoration Benefit

Minor Procedure Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover 85% of the costs. This applies t...

Learn More

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Learn More

No Cover for Alternative Medicine

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Learn More

Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

Learn More

Has disease wise sub-limits

Coverage Limits for Certain Treatments: Your insurance cover won’t be fully available if treated for angiography, joint replacement, hernia, and a few...

Learn More

You will have to pay a portion of the bill

Mandatory Co-Payment for Room Choice: The policy will cover only 85% of the bill if you opt for a shared room and 70% if you opt for anything fancier ...

Learn More

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Learn More

You can only pick a shared room

Room Restriction (No Single Private Room): Tough luck if you’re thinking about opting for a single private room. The policy only allows you to stay in...

Learn More

No Bonus for being healthy and not claiming insurance

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Learn More

No Cover for Alternative Medicine

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Learn More

Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

Learn More

Has disease wise sub-limits

Coverage Limits for Certain Treatments: Your insurance cover won’t be fully available if treated for angiography, joint replacement, hernia, and a few...

Learn More

You will have to pay a portion of the bill

Mandatory Co-Payment for Room Choice: The policy will cover only 85% of the bill if you opt for a shared room and 70% if you opt for anything fancier ...

Learn More

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Learn More

You can only pick a shared room

Room Restriction (No Single Private Room): Tough luck if you’re thinking about opting for a single private room. The policy only allows you to stay in...

Learn More

No Cover for Alternative Medicine

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

Learn More

Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

Learn More

Has disease wise sub-limits

Coverage Limits for Certain Treatments: Your insurance cover won’t be fully available if treated for angiography, joint replacement, hernia, and a few...

Learn More

You will have to pay a portion of the bill

Mandatory Co-Payment for Room Choice: The policy will cover only 85% of the bill if you opt for a shared room and 70% if you opt for anything fancier ...

Learn More

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Learn More

You can only pick a shared room

Room Restriction (No Single Private Room): Tough luck if you’re thinking about opting for a single private room. The policy only allows you to stay in...

Learn More

Your insurer doesn’t provide free health check-ups

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

Learn More

Has disease wise sub-limits

Coverage Limits for Certain Treatments: Your insurance cover won’t be fully available if treated for angiography, joint replacement, hernia, and a few...

Learn More

You will have to pay a portion of the bill

Mandatory Co-Payment for Room Choice: The policy will cover only 85% of the bill if you opt for a shared room and 70% if you opt for anything fancier ...

Learn More

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Learn More

You can only pick a shared room

Room Restriction (No Single Private Room): Tough luck if you’re thinking about opting for a single private room. The policy only allows you to stay in...

Learn More

Has disease wise sub-limits

Coverage Limits for Certain Treatments: Your insurance cover won’t be fully available if treated for angiography, joint replacement, hernia, and a few...

Learn More

You will have to pay a portion of the bill

Mandatory Co-Payment for Room Choice: The policy will cover only 85% of the bill if you opt for a shared room and 70% if you opt for anything fancier ...

Learn More

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Learn More

You can only pick a shared room

Room Restriction (No Single Private Room): Tough luck if you’re thinking about opting for a single private room. The policy only allows you to stay in...

Learn More

You will have to pay a portion of the bill

Mandatory Co-Payment for Room Choice: The policy will cover only 85% of the bill if you opt for a shared room and 70% if you opt for anything fancier ...

Learn More

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Learn More

You can only pick a shared room

Room Restriction (No Single Private Room): Tough luck if you’re thinking about opting for a single private room. The policy only allows you to stay in...

Learn More

Long waiting period for pre-existing diseases

Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...

Learn More

You can only pick a shared room

Room Restriction (No Single Private Room): Tough luck if you’re thinking about opting for a single private room. The policy only allows you to stay in...

Learn More

You can only pick a shared room

Room Restriction (No Single Private Room): Tough luck if you’re thinking about opting for a single private room. The policy only allows you to stay in...

Learn More

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Medicare Senior in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Medicare Senior Plan is specifically designed for senior citizens, offering coverage for age-related health issues and conditions.

Yes, the plan includes coverage for cataract surgery, which is a common requirement for older adults.

Yes, the plan covers home healthcare services, including nursing and physiotherapy, for recovery at home after hospitalization.

The waiting period for pre-existing conditions is 24 months, after which the plan covers these conditions comprehensively.

Confused? Talk to our certified health insurance experts

If you're unsure about how to use your insurance for an upcoming surgery or need help understanding your current coverage, talk to an expert for FREE by clicking here. Book a call now, limited slots available!

whatsapp-whiteicon
Book appointment Talk To Expert