Tata AIG - Tata AIG Criticare

Purchase mode: Online

Recommendation about Mediclaim: No

Premium: The premium charge is high

Product Features:

Parameter

Value

Entry age

18 to 60 Years

Policy tenure

Yearly

Cashless Facility

To Network Hospitals

Sum Insured

Rs 2.5 lacs to Rs 15 lacs

Illness Cover

First Heart Attack, Cancer, Total Blindness, Stroke
Coronary Artery Surgery, Kidney Failure, Major Burns, Multiple Sclerosis, Paralysis, Major Organ Transplant, Coma

 

What does this policy cover

  • Benefit amount will be paid if the policy holder survives for 30 days after the first diagnosis of the critical illness
  • Policy pays the benefit amount even if the expenses are claimed under some other health insurance policy
  • The benefit amount is paid in lump sum
  • The critical illness plan provides world-wide protection cover for 365 days of the year

 Exclusions

  • Pre-existing conditions or illness arising from the existing disease
  • Critical illness for which the symptoms occurred prior to or within 90 days of commencement of the policy
  • Skin Cancer
  • Self-inflicted injury, mental or nervous disorder, stress or depression etc
  • AIDS or HIV related
  • Congenital illness (existing at birth)
  • Participation in professional sports, skydiving, bungee jumping or other sporting activities
  • Plastic or cosmetic surgery
  • Radioactive, nuclear contamination
  • War, invasion etc

Other features of the policy

  • Provide coverage for 11 specified critical illness
  • No medical test or examination required to enroll into the policy
  • Can be purchased in addition to any basic mediclaim or health insurance policy
  • Provides Double claim benefit to the policyholder

Illustration showing premium:

No. of Members (Individual)

Age Group

Premium Sum Insured (5 lacs)

1  Adult

26-40

Rs 4,694

1 Adult

61-65

Rs 77,277

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