BENEFITS TATA MEDICARE PREM

In-patient benefit No Capping on Room Rent

Day care procedures 540+ Day Care procedures
Covers Medical and Surgical Expenses of the org
Organ donor harvesting the organ where an insured person is

Domiciliary treatment(home based tretement) Upto S.I

Autiomatically restores your S.I to 100% for you
Restore benefit and your family members
AYUSH benefit Upto S.I
Ambulance cover Upto 5000
Health Check-up 1% of S.I or 10000 whichever is lower
Compassionate travel Upto 20000(If the patienty is hospitalised for 5 o
Consumables benefit Upto S.I
Covers medical expenses & day care hospitalisati
Global cover India provided diagnosis was made in India.
Bariatric surgery
Conditions:(i) BMI>41
(ii) BMI>36 if,Chronical heart disese,type to Upto S.I
diabities & sleep apnoea

In-patient dental treatment Upto S.I.

Second opinion Anytime from TATA Doctor
Covers expenses related to HPV vaccine & Hepa
years of continuous coverage and Anti-rabies
Vaccination cover vaccination without any waiting

Hearing aid 10000/- Every third Year

Daily cash for shared accommodation .25% or 2000/- Whichever is Lower
Daily cash for accompanying an insured child .25% or 2000/- Whichever is Lower
Cumulative Bonus 50% upto Maximum of 100%
Pre and Post Hospitalisation 60 & 90 days
PREMIUM CALCULATION:
POLICY TENURE:1 Year
SUM INSURED:10 Lakhs
 PREMIUM CALCULATION:
POLICY TENURE:1 Year
SUM INSURED:10 Lakhs

Husband:40 years
Wife : 35 years
Child 1 : 10 years Rs.30428.00
Child 2 : 12 years

Husband : 30 years
Wife : 28 years
Rs.19482.00

GENERAL EXCLUSIONS:

Medical Exclusions:
1) Conditions related to or arising out of HIV or AIDS
2)Abuse of intoxicants or hallucinogenic substances such as intoxicating drugs and alcohol.
3)Congential External Diseases,defects or anomalies.

Non-Medical Exclusions:
1)War or any act of war,act of foreign enemy or war like operations.
2)Intentional self-injury or attempted suicide while sane or insane.
3)Any Insured Person attempting to commit a breach of law with criminal intent
 TATA MEDICARE
MEDICARE PREMIER TATA MEDICARE
No capping on Room Rent(No availability of suit)
540+Day Care procedures
Expenses of the organ donor for Covers Medical and Surgical Expenses of the organ donor for
an insured person is the recepient. harvesting the organ where an insured person is the recepient.

Upto S.I
S.I to 100% for you Autiomatically restores your S.I to 100% for you
and your family members
Upto S.I
Upto 3000
Ater 2 claim free years(1% of S.I or 10000 whichever is lower.)
r is lower
is hospitalised for 5 or more days) Upto 20000(If the patienty is hospitalised for 5 or more days)
Upto S.I
day care hospitalisation incurred outside Covers medical expenses & day care hospitalisation incurred
s made in India. outside India provided diagnosis was made in India.

Upto S.I Upto S.I

Upto S.I.
Anytime form TATA Doctor
o HPV vaccine & HepatatisB vaccine after2 Covers expenses related to HPV vaccine & HepatatisB vaccine
rage and Anti-rabies vaccine & Typhoid after2 years of continuous coverage and Anti-rabies vaccine &
without any waiting period Typhoid vaccination without any waiting period

10000/- Every third Year

Lower .25% or 2000/- Whichever is Lower
Lower (.25% or 2000/- Whichever is Lower
% 50% upto Maximum of 100%
60 & 90 days
PREMIUM CALCULATION:
POLICY TENURE:1 Year
SUM INSURED:10 Lakhs
 PREMIUM CALCULATION:
POLICY TENURE:1 Year
SUM INSURED:10 Lakhs

Rs.24532.00

Rs.15712.00

rugs and alcohol.

ARE TATA PROTECT
of suit) Only shared Room is allowed otherwise 10% of co-payment
540+ Day Care procedures
the organ donor for Covers Medical and Surgical Expenses of the organ donor for
erson is the recepient. harvesting the organ where an insured person is recepient.

Upto S.I
or you Autiomatically restores your S.I to 100% for you
and your family members
Upto S.I
Upto 1000
whichever is lower.) Ater 4 claim free years(1% of S.I or 10000 whichever is lower.)

ised for 5 or more days) Upto 20000(If the patienty is hospitalised for 5 or more days)
Upto S.I
pitalisation incurred
de in India. NA

NA

NA
NA
ne & HepatatisB vaccine NA
nd Anti-rabies vaccine &
ny waiting period

NA
NA
NA
10% upto Maximum of 100%
30 & 60 days
PREMIUM CALCULATION: POLICY TENURE:1 Year SUM
INSURED:5 Lakhs
PREMIUM CALCULATION: POLICY TENURE:1 Year SUM
INSURED:5 Lakhs

Rs.16151.00

Rs.10156.00
BENEFITS
Accidental Death
Permanent Total Disability
Permanent Partial Disability
Accidnetal Hospitalization Expenses
Temporary Total Disability(e.g.-Fracture)
Accidental Dismemberment
Ambulance Cost
Hospital Daily Cash
Cost of Crutches/wheelchair
Coma Benefit
Cost of Artificial Limbs
Fracture/Burns
Air Ambulance
Funeral Benefits and Repatriation of Remains
Loan Shield

Child Tution Benefit

NOTES:
1) In Case of Joint Personal Accident Policy proposer will be covered upto 100% of S.I.,Spouse will be cover
2)In case of Joint P.A. proposer will be entitled to 50k weakly benefit,spouse will be entitles to 10k/week an

ELIGIBILTY
Age : 18 to 70 years(Dependent children between 6 months and 23 years
Policy is for : Individual and Family(spouse and Economically dependent children)
Renewal: Life Long Renewal
Policy Tenure : 1/2/3 years
Escalaion Benefit : 10% escalation is applicable on every continuous renewal max. upto 50% and no

Discounts on Premium
FAMILY DISCOUNT:
2 Members : 10%
3 Members : 15%
4 or More : 20%

Policy Taken :
Husband:1cr.
Wife:50%
Children:10%

GENETAL EXCLUSIONS:

1)Losses that do not occur within the policy period.

2)Ionising radiation or contamination by radioactivity from any nuclear waste from combusti
3)Asbestosis or other related sickness or disease resulting from the existence, production,
4)War or any act of war, invasion, act of foreign enemy, war like operations (whether war be
5)Suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury o
 TATA ACCIDENT GUARD PLUS (5lac/10lac/15lac…../5crore
PROTECT ELITE
100% of S.I 100% of S.I
100% of S.I 100% of S.I
50% of S.I./According to the percentage alloted by 50% of S.I./According to the percentage alloted
Upto 5lac./10% of S.I Upto 5lac./10% of S.I
1% of S.I. weekly upto 50000(optional) 1% of S.I. weekly or 50000 whichever is lower(I
NA 25% over and above the claim amount for PPD a
NA Upto 25000
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA
NA NA
Outstanding loan amount of the primary insure
NA
up to 25% or actual loan whichever is lower(Op
NA Fixed Sum towards child tution expenses/educa
institution for each child who has not reached t
23 years(Optional)

S.I.,Spouse will be covered upto 50% of S.I. and child will be covered uopto 10% of S.I.
be entitles to 10k/week and child is entittled to nothing.

l max. upto 50% and no claim has been made under Accidental Death,Permanent Total Disability and Perma
 waste from combustion of nuclear fuel; or The radioactive, toxic, explosive or other hazardous prop
xistence, production, handling, processing, manufacture, sale, distribution of asbestos or other produ
ations (whether war be declared or not or caused during service in the armed forces of any country),
ly self-inflicted injury or illness.
15lac…../5crore)
e percentage alloted by Doctor
whichever is lower(Inbuilt)
aim amount for PPD and PTD
of the primary insured
hichever is lower(Optional)
tion expenses/educational
ho has not reached the stage of
Disability and Permanent Partial Disability.
PREMIER
100% of S.I
100% of S.I
50% of S.I./According to the percentage alloted by Doctor
Upto 5lac./10% of S.I
1% of S.I. weekly or 50000(Inbuilt)
25% over and above the claim amount for PPD and PTD
Upto 25000
0.1% of S.I. upto 5000(Max. Upto 60 days)
Upto 1 Lac.
Upto 5 Lac.
Upto 1 Lac.
According to Policy Wordings(Max. Upto 10 Lac.)
Upto 5 Lac.
Upto 25000
Outstanding loan amount of the primary insured
up to 25% or actual loan whichever is lower(Optional)
Fixed Sum towards child tution expenses/educational
institution for each child who has not reached the stage of
23 years(Optional)
her hazardous properties of any explosion nuclear assembly or nuclear component, thereof.
estos or other products thereof.
ces of any country), civil war, public defence, rebellion, revolution, , insurrection, military or usurped a
nent, thereof.

n, military or usurped acts, nuclear weapons/materials.