Tata AIA Health Buddy Plan

Why Choose ATPD?

When life changes after an accident, your financial safety net shouldn’t. ATPD offers 100% of the Insured Amount if you’re permanently disabled due to an accident.

Key Features:

• Lump Sum Payout: With the accident protection plan, you receive a lump sum payout for total and permanent disability.
• Accident-specific Coverage: Disability must occur within 180 days of the accident.

Why Choose ATPD? 

When an accident leads to partial or total permanent disability, ATPPD ensures you’re financially supported throughout your recovery. The benefit amount is adjusted based on the severity of the disability.

Key Features:

• Payout up to 100%: Get up to 100% of the Insured Amount based on severity.
• Covers All Severities: Protection for both total and partial permanent disabilities.
• Claim Eligibility: The claim is eligible if the disability occurs within 180 days of the accident.
• Payout Percentage: Payout percentages vary by nature of loss (as per policy table)

Why Choose Cancer Care?

Cancer Care offers lump sum payouts at both early and major stages, helping you focus on treatment and recovery.

Key Features:

• Comprehensive Coverage: Covers early-stage cancers, Carcinoma-in-Situ, and specified severe cancers.
• Stage-based Payouts:  Get the financial support you need at each stage of the illness.
• Reduced Stress: Tata AIA cancer insurance helps you to focus on your journey to recovery without the added worry of medical costs.

Why Choose CritiCash?

CritiCash helps you stay financially prepared by offering lump sum payouts upon the diagnosis of critical illnesses.

Key Features:

• Coverage for 57 Critical Illnesses: With coverage for listed critical illnesses, get financial protection for a wide range of severe conditions, including heart disease, cancer, organ failure, neurological disorders, and more.
• Stage-based Payouts:
  

  1. Early Stage: Partial payout to manage initial treatment.
  

  2. Major Stage: Higher payout as illness progresses.
  

  3. Advanced Stage: Maximum payout for severe, life-threatening conditions
  

Why Choose MegaCI?

Serious illnesses demand serious protection. Mega CI offers flexible, comprehensive coverage so you can prioritise your health, not your bills.

 Plan Options:

• Mega CI 10: Covers 10 critical illnessesCoverage for 57 Critical Illnesse
• Mega CI 21: Broader protection with 21 listed conditions
• Mega CI 60: All-round coverage for 60 critical illnesses

Key Features

• Fixed Coverage at Policy Start: Choose your coverage at policy start—no changes allowed mid-term
• Lump Sum Payout:  A lump sum payout will be made upon confirmation of a covered condition.

Why Choose SelectCI?

With SelectCI, you can customise your protection based on your health needs. Combining coverage for both minor and major illnesses, this plan offers the flexibility to create a customised safety net for you and your family.

Plan Options:

Pick the health coverage that suits you best when you start the policy (your choice stays the same for the full term):

• Select CI 3/10: Covers 3 minor and 10 major illnesses
• Select CI 3/21: Covers 3 minor and 21 major illnesses
• Select CI 3/60: Covers 3 minor and 60 major illnesses
• Select CI 10/21: Covers 10 minor and 21 major illnesses
• Select CI 10/60: Covers 10 minor and 60 major illnesses

Key Features:

• Lump Sum Payout: Receive a lump sum payout on the diagnosis of a listed illness.
• Coverage for All Stages: Protect yourself against both early-stage (minor) and advanced-stage (major) conditions.
• Customisation: Get coverage tailored to your health risk profile.

Why Choose Cardiac Care?

Every heartbeat matters. Cardiac care offers a lump sum payout upon diagnosis of 12 serious heart conditions, giving you the financial freedom to prioritise your health and recovery.

Key Features:

• Coverage for 12 Critical Cardiac Conditions: Protect yourself against a wide range of serious heart conditions.
• One-time Payout: Receive a lump sum payout on the confirmed diagnosis of any covered heart condition.
• Reduced Financial Stress: Cardiac Care helps relieve the financial strain during heart-related health events.

Why Choose HospiCash?

Staying in the hospital can be stressful, both emotionally and financially.  HospiCash benefit helps ease that burden by offering fixed daily payouts during your hospitalisation, so you can focus on recovery instead of expenses.

Key Features:

• Daily Hospital Cash: For every 24-hour hospital stay due to illness or injury, receive a fixed amount per day (as chosen).
• ICU Benefit: Get 2X payout for each day you spend in an intensive care unit, giving you extra support when you need it most.
  
• Recuperation Benefit: Get an extra 5% of the annual HospiCash sum if you're hospitalised for 7 or more consecutive days. (Payable once a year; not applicable if death occurs during hospitalisation.)
• Customisation Options: Choose coverage for 15, 30, 45, or 60 days per year to suit your needs and budget.

Why Choose SurgiCash? 

SurgiCash provides a fixed lump sum payout for covered surgeries, helping you manage expenses during difficult times.

Key Features:

• Wide Surgical Coverage: Get financial support for 133 listed surgeries.
• Includes Day Care Procedures: Even short-stay surgeries are covered, so you’re protected beyond major operations.
• Multiple Claims Allowed: You can make more than one claim, as long as the total payouts don’t exceed 100% of the Sum Assured per policy year.

Note: Please refer to Brochure for definitions, exclusions, and detailed terms for all the above listed benefits.

Why Choose OPD benefit?

OPD provides a comprehensive and convenient healthcare benefits. It helps schedule physical/Virtual consultations, personalised nutrition guidance, chronic care management and many more to elevate wellbeing with holistic approach towards healthcare.

Key Features:

• OPD Consultation: In person consultations with General practitioners and specialist.
• Preventive Health checkup: A detailed preventive health screening covering essential tests to assess overall health and detect early signs of medical conditions.
• Diagnostics: Avail cashless diagnostic cover for medical expenses as prescribed by medical practitioners through virtual or in-person consultation incurred for outpatient diagnostic test which includes pathology & radiology.

Note: Please refer to Brochure for definitions, exclusions, and detailed terms for all the above listed benefits.