Tata AIG Criticare - Critical Illness Cover

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Tata AIG Criticare- Critical Illness Cover

	Objective			This policy aims to cover major illnesses which can otherwise become a drain on a family's finances. It can be bought along with the basic health policy for an enhanced coverage in worst situation.
Suited for			Anyone between 18 and 60 years of age can enroll under this policy.
What does it do?			This policy will pay sum insured in a lump sum, or as agreed upon in the policy document, if insured person is diagnosed with any of the covered critical illnesses and survives for 30 days after diagnosis. It covers 11 chronic diseases. A second opinion on insured's illness can be arranged from a panel of doctors in the USA. However, pre existing illnesses or related conditions are not covered.
Pros			It allows online renewals. Premium paid is eligible for tax benefit under section 80D of the Income Tax Act.
Cons			It covers only 11 illnesses and does not allow lifelong policy renewal.
Our View			Those with family history of critical illnesses mentioned, must go for such a policy. This policy is not a substitute for basic health cover but it can be bought along with a basic health policy to enhance the coverage in worst case scenario.
Eligibility
Entry Age (years)
Minimum		18
Maximum		60
Maximum Policy Renewal Age (years)		65
Coverage Type		Individual
Policy Term (years)		1
Sum Insured (Rs)
Maximum		1500000
Minimum		250000
Pre Policy Medical Check Up		Not required
Policy Termination		Insurance company may cancel the policy by giving a 7 days notice. It will refund a portion of premium as stated in the policy document.
Customer Service
Address		Registered Office:TATA AIG Insurance, 9th Floor, Piramal Towers, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400 01
Mail to		customersupport@tata-aig.com
Call to		1800-266-7780
SMS		TAG to 5616181

 

	Scope of Cover
Critical Illnesses
First Heart Attack		covered with exclusions
Stroke
Cancer (excluding skin cancer)
Kidney failure
Major Organ Transplant
Paralysis
Coma
Major burns (covers atleast 20% of the body surface)
Multiple Sclerosis
Total Blindness
Coronary Artery Bypass Surgery
Other benefit(s)
Second Opinion		arranges an independent opinion based on medical and diagnostic reports from a panel of doctors in USA

 

	Exclusions and Waiting Period
Pre-existing illnesses or related condition		not covered
Waiting period		any disease contacted during initial 90 days following the policy issue date will not be allowed
Survival period		30 days from diagnosis of the illness

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