HEALTH INSURANCE
TATA AIG MediCare Premier – All-in-One Health Plan
Unity Small Finance Bank offers its existing customers access to TATA AIG’s MediCare Premier health insurance plan. This is a comprehensive-featured health policy that provides extensive financial support for hospitalization expenses, preventive health services, and advanced medical care—across India including global coverage for planned hospitalization.
The offering is a part of Unity Bank’s commitment to enabling essential services beyond traditional banking. The policy is issued and managed by TATA AIG General Insurance Company Ltd. Unity Bank serves as a distribution partner to simplify access for its account holders.
Overview of theTATA AIG MediCare Premier Product
TATA AIG MediCare Premier is designed to address a wide range of healthcare requirements—from routine OPD consultations and diagnostics to high-value hospitalization, maternity care, and even planned treatment abroad when diagnosed in India.
Coverage is available for individuals and families, with sum insured options starting from ₹5 lakh and going up to ₹3 crore. Customers can choose between policy period of 1, 2, or 3 years. Long-term and family floater discounts are available.
Key inclusions
Inpatient Coverage
Covers hospitalization due to illness,
injury, or disease.
Pre & Post Hospitalization
Up to 60 days before and 200 days after hospital stay.
OPD & Pharmacy Benefits
Covers OPD, dental consults, and pharmacy expenses after 2 years.
Emergency Transport
Covers ambulance and air ambulance services during emergencies.
Maternity & Newborn Care
Includes maternity cover, newborn vaccinations, and delivery complications.
Wellness & Rewards
Enjoy teleconsults, home physiotherapy & fitness-linked rewards.
Global Treatment Access
Planned overseas hospitalization covered (if diagnosed in India).
All features are subject to terms and eligibility, as per the policy document issued by the insurer.
Eligibility Criteria and Policy Structure
Only customers with an active relationship with Unity Small Finance Bank are eligible to purchase this plan. Communication will be sent via email or WhatsApp to customers selected for this offer.
• Age: 18 years and above
• Proposer and family members must reside in India
• Family floater option: Covers up to 7 members (self, spouse, up to 3 dependent children, and parents or parents-in-law)
• Policy terms: 1, 2, or 3 years
Benefits at a Glance
| Feature | Details |
|---|---|
| Sum Insured | ₹5 lakh to ₹3 crore |
| In-patient Treatment | Covered up to the sum insured |
| Pre-Hospitalization Expenses | Covered for up to 60 days prior to admission |
| Post-Hospitalization Expenses | Covered for up to 200 days after discharge, depending on sum insured |
| OPD Treatment (after 2 years) | ₹5,000 to ₹20,000 per policy year, depending on sum insured |
| OPD Treatment - Dental (after 2 years) | ₹10,000 to ₹25,000 per policy year, depending on sum insured |
| Maternity Cover (after 3 years) | ₹50,000–₹1,20,000, depending on the sum insured & gender of the newborn |
| First year Vaccinations | Up to ₹10,000 (₹15,000 for girl child) |
| Delivery Complications Cover | Up to ₹25,000 |
| Daily Cash for Choosing Shared Accommodation | 0.25% of base Sum Insured; maximum ₹2,000 per day |
| Emergency Air Ambulance Cover | Up to ₹5 lakh; For Sum Insured ₹75 Lacs & above - up to Sum Insured within our Network |
| Global Cover for Planned Hospitalization | Up to Sum Insured |
| Home Physiotherapy | 15 sessions through empanelled partners (For Sum Insured ₹75 Lakh & above) |
| Health Check-up | Available |
| Emergency Help me feature | Access to the “Help Me” feature via TATA AIG app |
| Wellness Program | Rewards for healthy activity, redeemable for consultations, tests, etc. |
Health Insurance Claim Process with TATA AIG
If you or a covered family member needs to raise a claim, the following steps must be followed:
- Notify TATA AIG 48 hours before planned admission, or within 24 hours in case of an emergency hospitalization.
- Reach out via:
1. Toll-Free: : 022 6489 8282/1800 22 9966 (For Senior Citizens Only)
2. Email: healthclaimsupport@tataaig.com
- Submit documents such as the discharge summary, hospital bill, valid identity proof or any other necessary document.
- TATA AIG will assess the documents and disburse the claim as per policy terms.
Frequently Asked Questions
Important Disclaimers
- The TATA AIG MediCare Premier policy is underwritten by TATA AIG General Insurance Company Ltd.
- Unity Small Finance Bank is a licensed corporate agent and does not underwrite or manage any insurance claims or benefits.
- Insurance is a subject matter of solicitation. For more details on benefits, co-payments, exclusions, limitations, terms and conditions, please read policy wordings carefully available on TATA AIG website www.tataaig.com before concluding a sale.
