Who Would You Like To Insure?
Adding 2 or more members will give you up to 32% off
Looking for a Super Top Up health insurance policy?
Are you interested in Eldercare product?
Background Image
service additional service
11,000+ Cashless Hospitals
service additional service
Covid-19 Cover
service additional service
96.70% Claim Settlement Ratio
service additional service
4.5 Customer Ratings

Health Insurance (COVID-19 Covered)*

Start Your Health Insurance Journey Today!

Health insurance policy is a product that protects you against the financial implications of a wide variety of health-related expenses, ranging from those caused by minor illnesses and injuries to critical diseases. Therefore, health insurance plans and the cumulative Bonus serve as a protective financial shield for you should you be faced with a major medical expense.

Selecting a suitable medical insurance is difficult yet incredibly important for you to have a sufficient degree of preparedness against any sudden and, in some cases, expected medical expenses. Imagine a scenario wherein you are diagnosed with a serious medical condition that requires consistent treatment, hospitalisation, and/or surgery. Or simply take the example of the spread of COVID-19 in India and imagine the various expenses you may have to look after if diagnosed with a COVID-19 infection

In such a situation, you would not want to let your medical bills dig a massive hole in your savings or be faced with a financial crisis to pay said bills, will you? Hence it is pivotal to buy a suitable health insurance plan, choose the right sum insured, pay the applicable premium and get insured at the earliest, and we can help you with that.


Why Do I Need Health Insurance?

There is so much unpredictability encompassing one's health and it is almost impossible to have any control over health-related expenses. However, after getting insured with a suitable health insurance plan, you can exercise some degree of control and gain some security vis-a-vis your and your family’s health care expenses. The question 'why you need health insurance' can be answered in countless ways, and here are a few of them:


Changing Lifestyle

With the ever-increasing pressures of modern-day lifestyle, the range of health-related risks we are exposed to has significantly widened in scope. From lifestyle disorders such as obesity and eating disorders to pollution-induced conditions such as asthma, there is no dearth of ailments that can lead to high medical expenses.

In addition to physical illnesses in our life, the constant stress of today's competitive world has led to a substantial rise in mental health issues, which is why it is critical to buy an adequate health insurance plan for yourself and your family.


Rising Medical Costs

In recent years, the medical inflation in India has not only kept pace with its retail counterpart but exceeded it by leaps and bounds. The cost of medicines, medical examinations, hospitalisation, and surgeries are consistently on the rise. It makes more sense to pay the basic health insurance premium and get insured than shelling out those exorbitant health expenses from your own pocket. Therefore, it is critical to get yourself insured with a health insurance plan to help you stay financially secure during and in the wake of a medical emergency.


COVID-19 Cover

The state of the world over the better part of the past two years is nothing short of unprecedented. With the multifaceted impact of the ongoing global COVID-19 pandemic, it is more crucial than perhaps ever before to buy a suitable health insurance plan. The Tata AIG health insurance benefits include a cover for Coronavirus.


Tax Benefits

Not only does health insurance safeguard you from the financial ramifications of a medical crisis but it also provides you significant health insurance tax benefits. Whilst the premiums paid for health insurance plans for senior citizens are eligible for tax deduction to the extent of ₹50,000, those for individuals below the age of 60 years have a tax deduction ceiling of ₹25,000 under Section 80D of the Income Tax Act, 1961. #Please note tax benefits are subject to change in Income Tax laws.

Includes a Cover for Pre-existing Diseases

Most health insurance plans comprise a cover for pre-existing illnesses; however, this cover usually gets activated after the expiration of a waiting period. Therefore, if you want immediate cover for a pre-existing illness, you must select a health insurance plan with a short waiting period. The Tata AIG health insurance benefits include a cover for pre-existing illnesses after the expiration of three years of the plan's tenure.

Provides Cashless Treatment

With the facility of cashless medical insurance, the process of handling a medical emergency has become somewhat easier. With our network of 10,000+ hospitals across the nation, you can access cashless treatment without having to file a health insurance claim and wait for the reimbursement of your bills.

Covers Ambulance Expenses

With regard to ambulance expenses, the Tata AIG health insurance plans have got you covered. Therefore, you need not worry at all should you need emergency transit to a hospital. We are available to provide the required assistance to you 24x7x365. You can reach out to us on 1800-266-7780. We are also a WhatsApp text away at +91-9136160375.

Covers Pre-hospitalisation and Post-hospitalisation Expenses

A health insurance plan covers the medical expenses incurred due by you in the wake of pre-hospitalisation and post-hospitalisation. Once you are insured under the Tata AIG MediCare and MediCare Protect Health Insurance Plans, your predetermined sum insured covers the medical bills generated 30 to 60 days before your hospitalisation and 60 to 90 days following your discharge from the hospital. The exact coverage shall vary depending on your choice of health insurance plan variant and the premium paid.

Provides the Option of Additional Sum Insured

One of the most important health insurance benefits of a Tata AIG health insurance plan is that you can earn a cumulative 'No-claim Bonus' for every claim-free year, which entails an enhancement in the sum insured under your health insurance plan without any corresponding rise in your health insurance premium. Under our MediCare health insurance plans and variants, you can get a 10 to 100 per cent additional sum insured for each policy year without a health insurance claim as a 'No-claim Bonus'.

Advantages Of TATA AIG Health Insurance

There are several excellent features in Tata AIG's health insurance plans that make it a suitable choice for your health insurance requirements. Some of the significant features of a Tata AIG health insurance policy are as follows:


Cashless Hospitalisation In India

By getting insured with Tata AIG as your partner in health insurance, you can get access to a network of 11,000+ hospitals across India and benefit from cashless hospitalisation. There is no need to file and follow up on medical insurance claims as we settle the medical expenses and bills directly with the network hospitals.


Substantial Cumulative Bonus for Claim-free Years

For every policy year that does not include a health insurance claim, you can receive a cumulative bonus between 10 to 100 per cent on the sum insured, depending on the plan that you have selected. With this bonus, the sum insured under your health insurance plan gets increased without paying any additional premiums.


Round The Clock Assistance

We’ve made it our mission to anticipate your every need. We put your priorities above ours, always, and work to exceed your every expectation. We offer 24x7 customer assistance, so even if you call us in the middle of the night with an emergency, we’ll be there for you!


A TATA Promise

The name Tata has long been associated with trust, quality, and excellent customer service. We take our commitments very seriously and try to ensure the delivery of prompt and high-quality services to you round the clock.


Your Safety Is Our Priority

At Tata AIG, we place the utmost value in your trust and leave no stone unturned to ensure the protection and privacy of your data, including your personal information and payment details. You can be assured of a safe and transparent process at our website as well as our offices.


High Claim Settlement Ratio

With a health insurance claim settlement ratio of 96.70% during the financial year 2023-2024, we, at Tata AIG, have reasserted our ever-growing commitment to customer service and support. Additionally, we also offer an easy and quick claim settlement process.


Save On Taxes

It may seem frivolous, but one great reason to get a health insurance policy is to save on taxes. Premiums that you pay to maintain a TATA AIG health insurance policy are exempt from taxes under Section 80D of the Income Tax Act. If you’ve bought a health insurance plan for yourself, your spouse or your kids, you can claim up to INR 25,000 per year. If you’ve bought a health insurance plan for your parents who are over the age of 60, you can claim an additional deduction of INR 50,000 per year. #Please note tax benefits are subject to change in Income Tax laws.


Paperless Policies

Say goodbye to standing in long queues to buy or renew health insurance. With the Tata AIG MediCare line of health insurance products, you can select, compare, and buy an excellent health insurance policy by paying the premiums from the comfort of your home, office, or weekend getaway.

We take our motto of "With You Always" to heart and stay committed to providing you with 24x7x365 support in policy purchase, renewal, premium payment, claim filing, and claim tracking. You can get your policy documents via email and WhatsApp and reach out to us should you need any assistance.


It's Raining Discounts

By buying a Tata AIG health insurance policy, not only do you get extensive health insurance coverage from one of India's most trusted brands but also receive incredible discounts. If you buy our MediCare or MediCare Protect health insurance plans for a tenure of two years, you can get a 5% discount on the premium. Similarly, if you opt for a three-year Tata AIG MediCare or MediCare Protect health insurance plan, you can benefit from a 10% discount on the cost of the policy.

What is more, is that should you choose our family floater health insurance plan, the higher the number of family members added to the plan, the higher shall be the discount you get on the premium. You can benefit from a 20% discount on the premium for a family floater health insurance plan for two family members, a 28% discount for three family members, and a 32% discount for more than three family members.

How To Buy A Health Insurance Plan?

Selecting a health insurance plan is not as easy as buying groceries or even big consumer items such as refrigerators and washing machines. This decision entails a substantial degree of analysis and the careful consideration of various factors, including your health insurance requirements, the sum insured and the amount you can shell out on health insurance premiums. Here is how you can get health insurance in a systematic manner.


Understand Your Health Insurance Requirements

The first step towards buying a suitable health insurance plan is a thorough assessment of your health insurance requirements and the sum insured you need. If you want to buy health insurance for yourself, you can opt for an individual health insurance plan, whereas if you wish to get medical insurance coverage for your family members, you can consider a family floater policy health insurance plan.

After determining who you want to bring under the coverage of the intended health insurance plan, you must decide on the type and extent of said coverage. In this context, you must take into account your age, medical history, pre-existing illnesses, if any, etc. before finalising the sum insured and plan. You can opt for a critical illness cover to enhance the scope of your health insurance. Furthermore, you can top-up your existing health insurance plan with the Tata AIG Super Top-up Health Insurance Plan.


Check Policy Benefits

The next step is to assess and compare health insurance plans to select the best health insurance plan for yourself and/or your family. It is advisable to choose a medical insurance plan that allows you to remove room rent limits, includes a cover for the AYUSH treatment, and offers relevant benefits such as a maternity cover and a critical illness cover. You must also consider adding the relevant add-on covers at additional premiums to make your health insurance policy more comprehensive.


Research the Insurers

You would not purchase anything that is even remotely important without adequate research, now, would you? Then why make an exception for something as critical as health insurance?! It is important to compare various health insurance providers and check their key result areas, including but not limited to their claim settlement ratio, the ease of the claims process, cashless hospital network, customer feedback and reviews, and customer support mechanism.

Not only should you research the aforementioned parameters on your own but also consult friends and family to decide which insurer to opt for. Remember that the health insurance plan as well as the health insurance company you select play a crucial role in financially securing you against health-related expenses.

Why Choose Tata AIG?


Consumables Cover

If you are admitted to the hospital, apart from the hospitalisation costs, the cost of any surgical and medical consumables or equipment that is billed to you, will be covered by our Consumables Cover. These consumables are the products or equipment that are directly used for your treatment and can be expensive if you are not covered by a health insurance policy that offers this cover.


Worldwide Cover

By adding our Global/Worldwide Cover to your health insurance, you can be covered for the treatment of any illness or condition overseas. If you have been diagnosed with a certain ailment in India but choose to get medical treatment and hospitalisation abroad, this cover can help you cover those costs.


Maternity Cover

After adding our Maternity Cover to your policy and after a waiting period of 4 consecutive years, this rider can help you cover the cost of maternity expenses of up to ₹50,000 for each policy year. We will also increase the coverage up to ₹60,000 if the newborn is a baby girl.


Newborn Cover

If your newborn baby has to undergo any treatment, arising from complications during the delivery, the Newborn Cover will provide coverage of up to ₹10,000 for the necessary treatment, once the maternity claim has been accepted.


OPD Cover

We understand that the cost of medical consultations and medications can build up a hefty bill over a single year. Therefore, our OPD cover will help you cover up to ₹5,000 of these cost for every policy year, after you have after a waiting period of 2 consecutive years.


Hassle-free claim process

We ensure that you won’t have to worry about complicated processes with excessive paperwork when it comes to filing your health insurance policy claim. Tata AIG offers a seamless online process where you can swiftly file your claim on our official website, and our 650+ claim experts will have your claim settled well within the due timelines, provided all the information on the online form is accurate.


Automatic restoration

We understand your medical emergencies and the expenses that come along with them, and so, our health insurance plans come with the automatic restoration benefit. This feature enables the automatic refilling or restoration of your sum insured, just in case you have exhausted it in a single policy year for a health emergency!


Cumulative bonus

For every claim-free year, your Tata AIG health insurance policy will let you enjoy a cumulative Bonus benefit of between 10-50%. This benefit enhances your sum insured without increasing health insurance premiums, making for more extensive health insurance coverage. With our health insurance plans, you can get up to a maximum of 100% additional sum insured for each year that you don’t file a health insurance claim.

Be it our cashless treatments, the tax benefits, the option of the additional sum insured and many other benefits, at Tata AIG, we have health insurance plans that are curated for your health insurance needs.

The Perfect Health Insurance Plan 

At Tata AIG, we have a wide variety of health insurance plans to cater to your varied health insurance requirements. Here is the catalogue of the varied types of health insurance coveragesyou can avail of:


Individual Health Insurance


An individual health insurance is a plan wherein the entire sum insured provides coverage for one individual. If you are seeking a health insurance plan for yourself or individual medical insurance plans for your family members, you can buy our individual health insurance plans.


Family Health Insurance


A family floater health insurance plan allows you to include multiple family members under the same health insurance plan with a single premium. It is worth noting here that under a family health insurance plan, the sum insured is shared by all the individuals covered in the plan, thereby allowing you to get mediclaim for your family at a feasible premium.


Super Top-Up Health Insurance


With the Tata AIG Super Top Up Health Insurance Plan termed MediCare Plus, you can enhance the coverage and add into the sum insured provided by your existing individual medical insurance plan or that of the health insurance plan for your family.


Critical Illness Health Insurance


Whilst a basic health insurance plan provides you financial protection against any regular diseases and injuries, they do not usually cover the expenses related to critical illnesses, such as cancer, cardiovascular diseases, and renal failure that may affect one during the lifetime. Therefore, you can buy the Tata AIG Critical Illness Health Insurance Plan to get coverage for critical illness.


Personal Accident Insurance Policy


Should an accident, unfortunately, lead to a permanent disability or death for a lifetime, the Tata AIG Personal Accident Insurance Policy can prove to be of great assistance to you and your family. Under this plan, you or your beneficiary (in the event of your demise in the wake of an accident) shall receive financial support.


Coronavirus Health Insurance


The latest addition to our health insurance benefits is the Coronavirus Protection which has been designed keeping in mind the various medical and financial challenges caused by the ongoing global pandemic. When you buy our health insurance plans, the sum insured covers the COVID-19-related medical expenses.

What Our Customers Are Saying

Read All Reviews
Average Rating 4.5/5 (Based On 728 Ratings)
Anil Dafale

Very good. keep growing .Best of luck tata group and company's.

Manjula Sriram

This website is amazing. Neat and clutter free...What a delightful user experience...loved it...Kudos to the Tata AIG team and the website developer too!

Vanraj Dubey

Their customer service executives really helped me with the requirements for claim filing and were very patient with me.

Allur Midhunkumarsingh

Very nice, big 👌 thumps up to entire who ever involved to build this platform.

Muralianand SV

Very easy

Bhavesh h. Parekh

Thank you TATA AIG. this process is very easy. we don't need any agent for this. this is Time Saving for us.

Read All Reviews

Why Should I Buy Health Insurance Online?

There are many benefits of buying online health insurance, and here's a quick glimpse at some of those:


It's Quick

When you buy health insurance online, the whole process becomes easier, smoother, quicker, and more transparent as compared to the offline mode of policy purchase. Before you know it, you can get a health insurance premium quote, and have your health insurance policy be delivered to your email or WhatsApp inbox. Therefore, by buying online health insurance, you save on time, money, and effort.


Easy To Compare

With the availability of plan brochures online, you can easily check and compare various health insurance plans, the sum insured offered, the medical expenses covered, the applicable premium and select the one you deem most suitable for yourself.


Chat With Experts 

Our team of health insurance and claims experts are available to assist you through the selection of your health insurance plan and during the claims process. You can reach out to us via call on 1800-266-7780, through WhatsApp at +91-9136160375, or by email.


No Check-Up Required

If you buy a health insurance plan with us online, you shall not be required to undergo a health check-up which is generally the norm whilst purchasing health insurance offline. However, if we need additional information on your medical history or any other personal details, one of our tele-underwriters shall reach out to you before the issuance of your health insurance plan.


Paperless Process

As important as it is to safeguard your health through health insurance, some thoughts must be spared to the health of the planet that sustains us. This is why we have adopted a paperless process, which means that you shall get a soft copy of your health insurance plan via email and, should you so wish, over WhatsApp.

Benefits Of TATA AIG Health Insurance

At TATA AIG, We’re Committed To Providing You With Only The Best Kind Of Care. Here’s A Look At Just A Few Reasons Why Our Health Insurance Policy Is The Right One For You:

custom list

No Sub-Limit on Hospital Room Rent

Our health insurance plans allow you the flexibility to get the upper ceiling on your hospital rent expenses removed as long as it falls under the umbrella of the sum insured under the plan. Therefore, you can have access to treatment in a hospital room sans any worry for out-of-pocket expenses for the room rent.

custom list

No Co-Pay

With a TATA AIG medical insurance plan, you can opt to have the room rent limit removed. This means that you can pick the best possible hospital room to receive treatment in, without worrying about out-of-pocket expenses. As long as the amount is covered by your sum insured, you don’t have to worry.

custom list

Maternity Cover

The Tata AIG Maternity Cover has been designed to financially support you through this beautiful phase of your life. Under this cover, you are eligible for the reimbursement of maternity expenses to the tune of ₹50,000, which can be extended to ₹60,000 should your child be a baby girl. There is no limit to the number of pregnancies covered under this feature; however, do note that the maternity benefit gets activated four years after the beginning of your health insurance plan with us.

custom list

Pre & Post Hospitalisation Cover

If you are insured under the Tata AIG MediCare line of health insurance products, you can benefit from a cover for pre-hospitalisation expenses incurred 30 to 60 days before your admission to a hospital as well as post-hospitalisation expenses generated 60 to 90 days after your discharge from the hospital. Remember that these limits vary from one plan to another.

custom list

Cover For Pre-Existing Illnesses

When you buy a Tata AIG health insurance policy, you get coverage against pre-existing illnesses, albeit after the expiration of the designated waiting period. This waiting period for a pre-existing illness usually gets activated two to five years after the purchase of the health insurance plan.

custom list

Cashless Claims

We’ve spread our network far and wide. We’ve tied up with over 11,000+ hospitals across the country where you can enjoy cashless claims. Just intimate us about the treatment a few days in advance, or as soon as possible if it’s an emergency, and we’ll take care of settling the bill.

custom list

Tax Benefits

When you purchase medical insurance, the premium that you pay is exempt from taxes under Section 80D of the Income Tax Act, 1961. If the insured individuals are under the age of 60, you can claim a maximum deduction of INR 25,000. If you’ve also purchased a policy for an elderly parent who is above the age of 60, you can claim an additional deduction of INR 50,000.Please note tax benefits are subject to change in Income Tax laws. #Please note tax benefits are subject to change in Income Tax laws.

custom list

Ambulance Cover

In an emergency, if you need an ambulance to transport you or another insured individual to the nearest hospital, our health insurance policy will take care of the cost of the ambulance.

custom list

No-Claim Bonus

If you do not make any claims against your medical insurance policy in a single year, you’re entitled to a cumulative bonus. Essentially, we’ll increase your sum insured without increasing your health insurance premium. So, you’ll enjoy higher cover for the same cost. For every consecutive claim-free year, we’ll increase the sum insured by a certain percentage.

custom list


With the Tata AIG MediCare line of health insurance plans, you are insured not only for modern medical procedures but also for medical treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha, or Homeopathy (AYUSH).

custom list

Cover For Daycare Procedures

The health insurance benefits of a Tata AIG health insurance plan also include a cover for daycare procedures, that is, medical procedures that entail a hospital stay below 24 hours. With our MediCare and MediCare Protect plans, you get coverage for more than 540 daycare procedures.

custom list

COVID-19 Cover

In light of the severe impact of the ongoing COVID-19 pandemic, with the Tata AIG health insurance policies, you are insured against COVID-19 medical expenses. If you get diagnosed with the virus, we have got your back.

custom list

Hospitalisation Expenses

The Tata AIG health insurance plans include a cover for the hospitalisation expenses borne by you for the treatment of any medical condition or an injury that is covered under the plan and not explicitly excluded from the policy wordings.


What’s Not Covered Under TATA AIG Health Insurance?

Tata AIG Health Insurance Covers Many Medical Processes, But There Are Certain Exclusions Too. We Are A Transparent Firm And Would Like You To Know What We Do Not Cover.


Medical exclusions:

  • Plastic surgery or cosmetic surgery during your lifetime unless necessary as a part of medically necessary treatment certified by the attending Medical Practitioner for reconstruction following an Accident, Cancer or Burns.
  • Rest cure, sanatorium treatment, rehabilitation measures, private duty nursing, respite care, long-term nursing care or custodial care.
  • All preventive care, vaccination including inoculation and immunizations (except in case of post- bite treatment and other vaccines explicitly covered);
  • Hospitalization purely for enteral feedings (infusion formulae via a tube into the upper gastrointestinal tract) and other nutritional and electrolyte supplements, unless certified to be required by the attending Medical Practitioner as a direct consequence of an otherwise covered claim.
  • Experimental and Unproven treatments, Rotational Field Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP), Chelation therapy, Hyperbaric Oxygen Therapy.

Non-Medical Exclusions:

  • Charges incurred at a Hospital primarily for diagnostic, X-ray or laboratory examinations not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, for which confinement is required at a Hospital.
  • Items of personal comfort and convenience like television (wherever specifically charged for), charges for access to telephone and telephone calls, internet, foodstuffs (except patient’s diet), cosmetics, hygiene articles, body care products and bath additive, barber or beauty service, guest service.
  • Treatment rendered by a Medical Practitioner which is outside his discipline,
  • Doctor’s fees charged by the Medical Practitioner sharing the same residence as an Insured Person or who is an immediate relative of an Insured Person’s family
  • Please refer to the policy document for a complete list of benefits and exclusions.
  • Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible.

Does Heath Insurance Cover Covid-19?

The pandemic came as a sudden and rude shock to the whole world, but everyone soon learned to adapt. However, apart from doing your bit by sanitising your hands, wearing your face mask and maintaining social distancing, it is also time for you to review your health insurance plan. And given the infectious nature of the virus, several days of medical observation in the hospital can get really expensive! But with <a href="https://www.tataaig.com/health-insurance/coronavirus-insurance">coronavirus insurance</a>from Tata AIG, you can ensure the safety of yourself and your loved ones.

The Tata AIG COVID health insurance and its high sum insured at affordable premiums and extended hospitalisation cover are meant to help you compensate for the loss of income due to prolonged hospitalisation.

To keep up with the mild but imminent threat of coronavirus infection, Tata AIG offers COVID insurance, which is a recent addition to our range of health insurance policies. The COVID health insurance has been created, keeping in mind the medical and financial hardships that you and your family may have to face in an unfortunate emergency.

In general, the rising medical expenses can make it difficult for you to get access to quality healthcare. But to ensure that you do not have to face any financial and medical challenges without adequate support, our COVID-19 insurance plan provides a host of benefits that covers hospitalisation expenses, cashless treatment and more!

Eligibility Criteria for a Health Insurance Policy in India

Health insurance plans are meant to protect you and your family against the rising medical costs resulting from unfortunate medical emergencies. While you may think that anyone can avail of health insurance plans, you are only partly right. There are eligibility criteria that need to be met if you are looking to purchase health insurance. For most health insurance plans, these are the eligibility criteria that need to be met –

  • The age criteria for dependent children marks the entry age between 90 days to 25 years of age.
  • The age criteria for adults marks the entry age at 18 years to 65 years of age.
  • The pre-existing disease waiting period is 2 – 4 years.
  • The pre-medical screening applies to policy buyers aged 45 years, 55 years or 60 years.
custom list

Age Criteria

While adults over the age of 18 years and within the age limit of 65 years can purchase health insurance plans, the age criterion for dependent children is between 90 days to 25 years. Beyond the age of 25 years, it is best to have health insurance for yourself so that you can avail of a low health insurance premium rate.

custom list

Pre-medical Screening

A pre-medical test or examination is necessary mostly for policy buyers above the age of 45 or 55 years. In the case of most senior citizens health insurance policies, a pre-medical test is compulsory and will influence the policy issuance. However, it is best to buy health insurance when you’re young so that you can benefit from a low health insurance premium cost.

custom list

Pre-existing Diseases

There is a waiting period of 2-4 years for pre-existing diseases during which you cannot receive the full benefits of your health insurance coverage. It is also a wise idea to let your insurance provider know if you have a medical history or about your smoking habits.

By revealing genuine information to us about your health conditions and lifestyle habits, you can save yourself from the hassle of a delayed or rejected claim.

Factors To Consider While Buying Health Insurance

Whilst it is critical to buy health insurance as early as possible in your life, it is even more important to engage in thorough research before selecting a health insurance plan, finalising the sum insured and the amount of applicable premium. Here are some of the main factors you must consider while choosing a suitable health insurance plan for yourself:

custom list

The Sum Insured

You must ensure that the sum insured under the selected health insurance plan is in line with your health insurance requirements, actual and potential alike. For instance, if you have a pre-existing illness, say, diabetes, or have a family history of said ailment, you must choose a plan that covers it. With the cost of medical treatment rising faster than a stock market ticker on a bullish day, you simply must not settle for less than the optimal sum insured for your health insurance plan. Remember that it can turn out to be quite literally a matter of life and death.

custom list

Waiting Periods

Whilst some health insurance benefits get activated instantly, some others have a waiting period during which they stay mere words on your policy document. Therefore, it is important to check the various types of waiting periods that constitute a part of your health insurance plan. First things first, there is the initial waiting period of one month during which you cannot file any claims other than accidental claims. Secondly, the waiting period for the pre-existing illness cover to get activated lasts anywhere between two to five years, depending on your policy and the specific illness. Thirdly, the waiting period for the maternity cover part of your policy to get activated is usually four years.

custom list

Network Hospitals

The larger the cashless hospital network of your health insurance provider, the higher is the degree of convenience and flexibility you enjoy with regard to cashless claims. With a network of more than 11,000 hospitals, Tata AIG health insurance has you covered for cashless treatment across the country.

custom list

The Add-Ons & Riders Available

If a health insurance plan has the flexibility for the addition of an add-on rider, it is usually considered a green light as far as the value of the plan is considered. With the inclusion of the required health insurance add-ons, you can significantly enhance the coverage of your health insurance plan with minimal addition to your health insurance premium. It's a win-win situation for you if ever there could be one.

custom list

The Claim Settlement Ratio

You must always get insured with a health insurance provider with a high claim settlement ratio over the preceding few financial years. Since this ratio is one of the key markers of the customer-centricity and claims efficiency of an insurer, a higher ratio indicates a massive go-ahead sign for you. With a health insurance claim settlement ratio of 96.70 per cent during the financial year 2023-2024, Tata AIG can be the answer to your health insurance requirements.

custom list

Age Limits

There is usually an upper age limit restriction attached to health insurance policies that prevents individuals above a certain age from being able to enjoy a health insurance cover. Similar age restrictions may apply to policy renewals as well. Therefore, it is pivotal to check the policy wordings before selecting your health insurance plan.

Why Should I Purchase Health Insurance When I’m Young?

The earlier in life you take valuable and far-sighted decisions, the better placed you are to handle any contingencies, and buying health insurance is no exception to this principle. There are several advantages of buying a health insurance plan at a young age, some of which have been discussed below.

Fewer Health Concerns: It is a truth universally acknowledged that one's age and health are inversely proportional to each other. Therefore, the younger you are, the lower is your likelihood of the occurrence of any major illness. You can invest in a health insurance plan in your youth and reap the benefits should you ever need to.

Higher Coverage At A Lower Premium: At a relatively young age, you are less vulnerable to any adverse health-related risks and ailments, thereby making you a low-risk customer for us. Therefore, you can easily get a high sum insured for your health insurance plan at a relatively low premium.

You Can Easily Ride Out The Waiting Period: Another advantage of buying health insurance when you are young, say, in your twenties, is that you can easily traverse through life without having to fall on the wrong side of the various waiting periods of your health insurance plan.


What Is Waiting Period In Health Insurance?

Typically, there are three types of waiting periods in health insurance. Here are the categories of waiting periods in a Tata AIG health insurance plan.

Initial Waiting Period

During the initial waiting period of your health insurance plan, you cannot file any claims other than those arising out of accidental injuries. This waiting period usually lasts between 15 to 90 days, varying from one health insurance plan to another. If you were to add any newborn children to your existing health insurance plan, this waiting period clause shall apply to them as well.

Waiting Period For Pre-existing Illnesses

The coverage for various pre-existing illnesses in a health insurance plan does not usually get activated immediately upon the purchase of the said plan. There are different waiting periods for different medical conditions and ailments, such as diabetes, hypertension, and thyroid. You must, therefore, check the selected plan to ascertain this waiting period before you make the purchase decision.

Waiting Period For Specific Diseases

The waiting period for specific critical diseases also varies depending on the health insurance plan you select. For instance, the waiting period for cancer shall be different from that for renal failure. Therefore, it is pivotal to carefully peruse the policy wordings.

Waiting Period For Maternity Cover

The waiting period for maternity cover in a health insurance plan is usually four years. Therefore, it is prudent to buy a health insurance plan well in advance of your plans to start a family.

Steps To Calculate Health Insurance Premium Online

By Now, We’re Sure You’ve Understood The Importance Of Getting A Good Health Insurance Policy For Yourself And Your Family Members. But, How Do You Understand If You’re Paying The Right Premium? Check our Health Insurance Premium Calculator to know more. Let’s Take A Look At Some Important Factors That Will Decide The Premium For Your Medical Insurance Policy. It's Also Important To Note Than Health Insurance Premiums Are Inclusive of GST, To Understand GST on Health Insurance.

custom list

Choose Who You Want Include in the Coverage

The first step to compute your health insurance premium is to provide us information about how many people you want health insurance coverage for. If you are opting for individual health insurance, select the icon for Self. On the other hand, if you want to include your spouse, parents, and/or children in the health insurance plan, select the relevant icons and click on proceed or next.

custom list

Submit the Necessary Personal Particulars

Secondly, you must enter the required personal information, including your mobile number and date of birth. This information needs to be submitted for every person you want to include in the health insurance plan.

custom list

Choose A Health Insurance Plan

The next, and perhaps the most critical step, in the process is the selection of a suitable health insurance plan. This entails choosing the sum insured, plan tenure, and the required add-ons. You can enhance the coverage of the selected plan by adding riders such as high-end diagnostics, emergency air ambulance, and the cost of consumables. Do remember that any such selection shall have a bearing on your health insurance premium.

custom list

Answer Some of Our Basic Queries

In the next step of the process, you shall be required to answer some basic questions about your health condition and lifestyle habits. We request you to be as honest as possible while responding to these questions.

custom list

Get Your Health Insurance Quote

The last step is entering your name and email address and your health insurance quote shall be on the screen and in your WhatsApp inbox.

How To Reduce Health Insurance Premium?

Paying a high health insurance premium can become a nightmare if your expenses go out of control. Sometimes, it is the health insurance plan and the coverage that increase your premium payments, and at other times, it could be a potential health risk that is responsible. Either way, you should always try to keep your premiums affordable so that you can continue paying them and your health insurance policy continues protecting you and your family!

Hence, here are some tips to bring down your medical insurance premium:

custom list

Buy your health policy early

As you may know, your age plays an important role in determining your premium amount. And so, if you wait till you get older before buying health insurance, your premiums will also increase. Therefore, purchase a health policy soon and enjoy paying lower premiums.

custom list

Manage your health insurance plan

Choose the optimum sum insured that matches your health insurance needs perfectly. Consider the health conditions, family medical history, nature of medical expenses, medical inflation and quality of health care necessary for your family. Based on that choose the right sum insured. Use a health insurance calculator to get the right premium.

custom list

Compare health insurance plans

Always compare all your options before you purchase your health policy. Buying the first health plan means you have not explored your options and can lose out on a chance to pay an affordable medical insurance premium. Hence, always <a href="https://www.tataaig.com/health-insurance/compare-health-insurance">compare health insurance plans</a> before buying a suitable one.

custom list

Choose the cover wisely

It is always better to first understand your health insurance needs before buying a policy. Suppose you have dependent family members, then an individual health insurance plan is not only impractical but also more expensive than a family floater health insurance plan.

custom list

Go for Top Ups

Top-up plans like the Tata AIG Medicare Plus Super Top Up Health Insurance help you boost your insurance coverage so that you can always be prepared for medical emergencies without breaking the bank and keep your health insurance coverage and health insurance premium in check.


How To Claim Health Insurance?

If you’ve received treatment at a network hospital
In Case you have to visit the hospital for emergency
If you're unable to make it to a network hospital
If you’ve received treatment at a network hospital, you can enjoy quick and easy cashless claims by following these steps for non-emergency hospitalisations:

If you have scheduled a medical treatment at any of our network hospitals, here is how the claims procedure shall unfold.

Step 1 - Inform Us: Email us your cashless claim form at least 48 hours before your scheduled treatment at a network hospital. You can also send us a letter intimating this information.

Step 2 - Wait For Our Confirmation Letter: Upon the receipt and verification of the aforementioned form, we shall send you a confirmation letter and intimate the hospital about the claim.

Step 3 - Submit The Letter At the Hospital: On your arrival at the hospital, you must submit your health card and the confirmation letter received from Tata AIG.

Step 4 - That's it!: There are no more steps. You just rest and recuperate and we'll take care of the bills.

How To Claim Health Insurance?

If you’ve received treatment at a network hospital

If you have scheduled a medical treatment at any of our network hospitals, here is how the claims procedure shall unfold.

Step 1 - Inform Us: Email us your cashless claim form at least 48 hours before your scheduled treatment at a network hospital. You can also send us a letter intimating this information.

Step 2 - Wait For Our Confirmation Letter: Upon the receipt and verification of the aforementioned form, we shall send you a confirmation letter and intimate the hospital about the claim.

Step 3 - Submit The Letter At the Hospital: On your arrival at the hospital, you must submit your health card and the confirmation letter received from Tata AIG.

Step 4 - That's it!: There are no more steps. You just rest and recuperate and we'll take care of the bills.

In Case you have to visit the hospital for emergency

Here is what you need to do if you have found yourself at one of our network hospitals during an emergency and require unscheduled medical treatment.

Step 1 - Submit The Claim Form At the Hospital: Send us your cashless claim form, no later than 24 hours after being hospitalised, so that we may generate the Claim Intimation/ Reference Number. Here are the documents that need to be submitted to utilise the cashless claims benefit.

  • A copy of your health insurance policy;
  • Your insurance card;
  • Your photo identification proof;
  • Your proof of address;
  • Duly filled CKYC form in case the claim amount exceeds ₹1 lakh.

Step 2 - Await Our Authorisation Letter: Once we receive your cashless claim from the concerned hospital, we shall issue an authorisation letter to the hospital and settle the bills with them. All you need to do then is focus on your recovery.

If you're unable to make it to a network hospital

If you have received medical treatment from a non-network hospital, you shall have to pay the expenses and bills then file a reimbursement claim with us by following the steps mentioned below.

Step 1 - Fill And Submit The Reimbursement Claim Form: Submit the duly filled reimbursement form to us along with the following documents.

  • A copy of your health insurance plan or insurance card;
  • A Medical Certificate signed by a registered doctor;
  • The relevant pathological reports;
  • A copy of the hospital discharge card;
  • The original hospital bills and receipts;
  • The original pharmacy bills;
  • The investigation report, if applicable;
  • A copy of the First Information Report in case of an accidental claim;
  • Your NEFT details for the settlement of the claim;
  • Duly filled CKYC form if the amount of the claim is above ₹1 lakh.

Step 2 - Await claim settlement: Once we receive your requirement claim form and the required documents, we shall verify them then process the claim and award the reimbursement to you.

Documents Required for Health Insurance Claim

Medical emergencies come unannounced, and the only economical way of dealing with them is with medical insurance plans. However, such emergencies can only be covered if you either file a reimbursement claim or choose to undergo treatment at your closest network hospital. And for that, you should have all of your documents in place so that we can help you with a seamless claim settlement.

In health insurance plans, the documents needed for filing a claim are –

custom list

In-patient hospitalisation bills attested by the insured under the medical insurance.

custom list

The discharge card signed by the authority at the hospital/network hospital.

custom list

Claim form containing the insured’s signature.

custom list

A valid medical investigation report.

custom list

The medical store receipts and the doctor’s prescription.

custom list

List of hospital consumables prescribed by the doctor with all details.

custom list

The present year’s copy of the third-party administrator’s (TPA) ID card.

custom list

Copies of the health insurance policy from the previous year.

custom list

Any other document as required by TPA.

custom list

Bills and receipts of doctor’s consultation.

How To Save Tax on Health Insurance?

Is Health Insurance Taxable?

Under Section 80D of the Income Tax Act, 1961, you can avail of tax deductions on your health insurance. You can avail of your health insurance taxable benefit on the premiums paid towards the policy. If you have a health insurance plan, you can get a deduction of up to ₹ 25,000 every financial year for the plan bought for you and your family. The deduction can go up to ₹50,000 if the primary policyholder is above 60 years of age.

If your dependent parents are covered under the same policy, you can claim an additional deduction of up to ₹25,000 if they are below 60 years of age and ₹50,000 if they are above the age of 60 years.#Please note tax benefits are subject to change in Income Tax laws.

Is Health Insurance Tax Deductible?

Yes, health insurance policies are tax-deductible under Section 80D of the Income Tax Act, and you can also claim tax benefits on preventive health check-ups on an annual basis. You get to claim up to ₹ 5,000 as expenses under the health check-ups.Please note tax benefits are subject to change in Income Tax laws.Please note tax benefits are subject to change in Income Tax laws.#Please note tax benefits are subject to change in Income Tax laws.

How To Pick The Best Health Insurance Plan?


Look for Adequate Sum Insured

A health insurance plan must serve your requirement otherwise, you only end up wasting money. If you have a plan whose coverage barely covers the losses, it is time to review your policy and choose an adequate sum insured.


Affordable Health Insurance Plans

Buying an expensive policy means the premiums will be quite costly. Instead, always lookout for an affordable health insurance policy, and you should be able to find your pick. You can also use our health insurance premium calculator to make an informed decision.


Good Network of Hospitals

A wide network of hospitals means you can visit your insurer’s network hospital, no matter where you are and get access to cashless hospitalisation. Our network of 11,000+ hospitals all over India means you need not worry about making any hospital bill payments.


Reliable Brand

It is important that your insurer is reputed and has a good claim settlement ratio. This figure indicates that your insurance provider will honour your health insurance claims in case such a situation arises. Our Claim Settlement Ratio of 96.70% speaks for itself!


Check the Waiting Periods

Depending on the health insurance plan you choose, look for the waiting period. The waiting period for pre-existing diseases is 2-4 months while there is also an initial waiting period of one month when you cannot file any claim other than an accidental claim.


No Sub-Limits

Try to opt for a plan that does not include sub-limits for room rent. With this benefit, you should be able to avail of better accommodation if you are hospitalised.

Frequently Asked Questions

Policy Related

Service Related

What is the need for health insurance cover?

People need health insurance to cover medical emergencies that can be very expensive. Given our busy schedules, lifestyle diseases, rising medical costs and expenses, and the very recent COVID-19 pandemic, it is necessary to have a suitable health insurance policy. Tata AIG’s health insurance policies are designed to provide extensive coverage against medical contingencies. You can also customise the coverage of our plans to suit your needs as well as your budget.

When is the best time to buy health insurance?

Honestly, there’s never a bad time to buy health insurance. Ideally, the younger you are, the better it is for you and your finances. Young individuals are able to purchase health insurance plans that offer a high sum insured for a very affordable premium. Additionally, when you’re young, it’s easy for you to get over the health insurance waiting period without having to worry about too many out-of-pocket expenses.

What is the difference between health insurance and life insurance?

Health insurance and life insurance policies serve two completely different purposes. Your health insurance policy will help you take care of the cost of medical treatment. It provides you with a safety net to fall back on in case you are diagnosed with an illness or require emergency medical support after an accident. Life insurance policies, on the other hand, are typically used as an investment instrument. They provide the insured individual with a maturity benefit at the end of the policy term. The policies are long-term and usually last for 10 or more years. Additionally, these plans offer financial support to the insured individual’s family members. If something happens to the insured during the policy tenure, the nominee is provided with a payout.

Does TATA AIG offer 24x7customer support?

Yes, at TATA AIG, we’re committed to looking after you and your needs. Our health insurance customer service executives are available round the clock. To get in touch, you can call 1 800 266 7780.

Is there any way to get a discount on my premium?

Absolutely! If you’d like to get the same cover at a lower cost, you should explore switching from an individual policy to a family floater. Or, if you’d still like to purchase an individual policy, check if you can get a longer tenure. Single-year health insurance policies cost slightly more than 2- or 3-year policies. Finally, if you do not make any claims against your medical insurance plan for a whole year, you can enjoy a cumulative bonus the following year. Essentially, you’ll get a higher cover without having to pay a higher premium!

Is the health insurance policy valid across the country?

Yes! You can enjoy the same cover no matter where you are in India. We’ve tied up with over 6,200 hospitals across the country, so you can enjoy cashless claims even when you’re out of town.

Will I be covered outside the country?

Our products – Tata AIG MediCare and Tata AIG MediCare Premier offer global cover in case of planned hospitalization abroad which is in built cover in the product. Whereas, Tata AIG MediCare Plus offers this cover on optional basis as “Global Cover” rider.

Can I make a claim if I am hospitalised for less than 24 hours?

Many treatments today can be completed within just a few hours. Our health insurance plans cover more than 541 daycare procedures. This means that you can make claims against covered daycare procedures even if you do not have to be hospitalised for more than 24 hours.

Can I cover my family under a single policy?

If you’d like to cover multiple people under a single policy, you can opt for our family floater option.

What is a pre-existing illness?

A pre-existing illness or disease refers to any illness, health condition, injury or related issue for which you have been diagnosed or experienced symptoms and medical advice for before purchasing our health insurance policy.

Are pre-existing illnesses covered under my TATA AIG health insurance policy?

We do cover pre-existing illnesses, but only after the waiting period. You can check your health insurance policy documents for the exact duration of the waiting period depending on the medical insurance policy you have purchased.

Can I increase my sum insured in the middle of a policy year?

No, you cannot increase your sum insured in the middle of a policy year. Instead, you will have to wait until you renew your health insurance policy to increase your cover. Alternatively, you can opt for our health insurance super top-up plan to increase your cover at the time of renewal.

Is a medical check-up necessary to purchase health insurance?

A medical check-up is only required in certain circumstances. For the most part, you will be able to purchase your health insurance policy online without worrying about any tests or visits to the doctor. If we need some more information before issuing your health insurance policy, a tele-underwriter will get in touch with you. In some instances, we may require you to do a few tests before we issue you a policy.

Will I have to undergo a medical check-up every year?

Generally, if you renew your health insurance policy on time every year and there’s no break in your cover, we will not require you to take a check-up every year. But, we may take a call based on your medical history and your age.

Why should one buy health insurance at a young age?

Though you can buy health insurance at any age, it is always better to get health coverage when you are young. This way, you can avail of greater insurance coverage with a high sum insured with lower premiums. Since you are less likely to carry any health risks at a young age, your premiums will be low, and you need not worry about medical emergencies during the waiting period of the policy.

Can I have more than one health insurance policy?

Yes, you can have more than one health insurance policy, but that will mean more premium payments for you. If you purchase a health insurance plan from Tata AIG, you can customise the plan to receive comprehensive cover. Our MediCare, MediCare Premier, and MediCare Protect plans offer coverage for an extensive range of treatments and procedures and can be enhanced with additional rider options.

What does my Tata AIG health insurance cover?

The coverage of your Tata AIG health insurance plan will depend on the type of policy you have bought. For example, our Critical Illness plan offers coverage for the treatment of 12 critical illnesses, while the Tata AIG MediCare Health Insurance provides coverage for a wider range of medical emergencies and offers optional benefits like the Global Cover.

Can my health insurance cover my overseas treatment?

Your Tata AIG health insurance policy can cover overseas treatment if you add an optional Global Cover rider to your policy. So, while your base health plan covers treatments within India, the Global Cover rider will help if you have been diagnosed with a condition or illness in India and choose to receive treatment abroad.

Will my health insurance premiums be expensive?

Your health insurance premiums will depend on the coverage of your policy. With the help of the Tata AIG health insurance calculator, you can avail of instant quotes and choose a plan whose coverage and premiums are suitable for you. And more importantly, it is always better to compare all health insurance plans so that you don’t end up paying for any coverage that you don’t receive.

How do I calculate my health insurance premiums?

You can easily calculate your health insurance premiums on the Tata AIG website using our health insurance calculator.

What are pre-existing diseases? Can my health insurance cover pre-existing diseases?

Pre-existing diseases are ailments, conditions, or injuries that you already have at the time of buying the health insurance policy. Your health insurance plan can cover these conditions or ailments, depending on the type of plan you choose; however, there is a waiting period before the policy can start providing coverage for these conditions.

When can I increase my health coverage during the policy year?

You can increase the health insurance coverage of your policy at the time of policy renewal or while buying a new health insurance plan. Tata AIG’s Medicare Plus Super Top-up Health Insurance Plan lets you increase your policy coverage along with providing additional benefits once you have exhausted the claims on your base health plan.

What is the domiciliary treatment? Do Tata AIG health insurance plans offer this feature?

Domiciliary treatment is the medical treatment you receive at home due to your inability to get to the hospital for valid reasons. Yes, Tata AIG's MediCare, MediCare Premier, and MediCare Protect plans cover domiciliary treatment expenses.

Can I get cashless benefits in a non-network hospital?

No, you can get cashless benefits only at our network hospitals across the country. However, if you choose a hospital of your choice for treatment, you can file a reimbursement claim by sending us the medical bills, your health card, and other relevant medical documents. Once we verify the information and the bills, we will reimburse you for the medical expenses incurred.

What are the waiting periods in Tata AIG health insurance plans?

Our health insurance plans outline a few different waiting periods – the initial waiting period, the waiting period for pre-existing diseases, a waiting period for specific illnesses, and one for maternity cover. The waiting period for pre-existing diseases is between two to five years, while the waiting period for specific illnesses is generally two years. For the maternity cover, the waiting period is usually four years.

How to buy Tata AIG’s health insurance plan online?

To buy our health insurance plans, you can follow a few simple steps – - Visit the health insurance page on our official website. - On the health insurance calculator, pick the members you want to cover under one plan. If you are looking for an individual health insurance plan, then choose “Self”. - Then click on “Get Plan” to go to the next page. - Fill in your date of birth, your mobile number and email address to proceed and click on “See Plan.” - You can check the instant policy quote and purchase the plan online. - We will also send you the quote and the policy document on WhatsApp.

What is the process to renew my health insurance plan online?

To renew your Tata AIG health insurance plan, you can follow a few simple steps – - Visit our health insurance page on the Tata AIG website. - On the health insurance calculator, pick the members insured under the existing plan and then click on “Renew”. - On the next page, enter your existing health policy number to renew your health insurance plan.

Is a health check-up compulsory for getting a health insurance plan?

No, a health check-up is not mandatory for getting our online health insurance plans. However, if there is a need for a health check-up, one of our experienced tele-underwriters will get in touch with you and advise you on the same. In certain situations, you may have to undergo a medical test or two before getting the policy.

What is Tata AIG’s MediCare Super Top-up Plan?

Our MediCare Super Top-up Health Insurance Plan is affordable and has additional coverage that you can add to your base health insurance policy. This plan helps restore or enhance your health insurance sum insured if you have exhausted all the claims for the policy year.

What types of health insurance plans does Tata AIG have?

Tata AIG offers individual health insurance, family floater health plans, super top-up health insurance, critical illness plans, personal accident insurance, and coronavirus health cover.

How do I file a claim on my health insurance policy?

You can file a claim on your Tata AIG health insurance policy in the following ways – **If you have received treatment at a network hospital,** - Send us an email with your cashless claim form at least 48 hours before you get hospitalised for a scheduled treatment. - We will verify the details on the form, get in touch with the hospital, and send you a confirmation letter. - When you are admitted to the hospital, show the authorities there your health card and the confirmation letter received from us. - We will settle the payment with the hospital, and you need not worry about anything but your recovery. **If you have to go to a network hospital for an emergency,** - Send us your claim form within 24 hours of being hospitalised along with the required documents, including your insurance card, photo identification and address proof, a copy of your health insurance plan, and a duly filled CKYC form if the claim amount is northwards of ₹1 lakh. - We'll send the authorisation letter after reviewing the aforementioned claim form and documents. Thereafter, we'll make the full payment of your medical bills. **If you receive treatment at a hospital of your choice that is outside our network,** - After your treatment, verify all the medical bills and make the payment to the hospital. - Be sure that your treatment is covered under your health insurance policy. - Send us the reimbursement claim form, along with the required documents, including but not limited to a copy of your health insurance card, the original hospital and pharmacy bills, a certificate issued by a registered Medical Practitioner, and your NEFT details. - Once we verify the claim, we will settle the reimbursement and transfer the money to your account.

How do I get my health insurance concerns and queries resolved?

To raise any queries or concerns regarding your Tata AIG health insurance policy, you can visit our support page and contact us so that we can reach out and help you. You can also reach out to us via phone (1800-266-7780), email, or WhatsApp (+91-9136160375).

Will my existing health insurance policy cover hospitalisation expenses for COVID-19?

Yes, your Tata AIG health insurance policy will cover hospitalisation expenses for COVID-19, as per the terms and conditions of your policy.

Will the policy cover expenses due to quarantine?

The expenses incurred due to a self-quarantine at home will not be covered; however, if the quarantine is in a hospital or has been recommended by a doctor, then the expenses will be covered by your health insurance policy.

Are the consultations with a medical practitioner and diagnostic tests in relation to COVID-19 covered under my health insurance policy?

Your Tata AIG health insurance policy will cover the OPD consultation charges and tests as prescribed by your doctor for COVID-19. If you need to be hospitalised for the infection, the hospitalisation is covered under the COVID-19 coverage for the duration, as mentioned in your policy.

Are any waiting periods applicable to claims under COVID-19?

Yes, a waiting period of 30 days will be applicable if you want to file a claim for a new Tata AIG policy. However, if you have renewed your existing Tata AIG health insurance policy, the waiting period is not applicable.

Which is the best insurance policy that covers COVID-19 treatment?

To ensure that you find the best health insurance policy that offers extensive COVID-19 coverage, be sure to calculate your health insurance premiums and compare different plans with the help of our health insurance premium calculator. Once you determine the extent of coverage needed, you will be able to find a suitable plan.

Is there any vaccine for COVID-19?

Yes, as of now there are three vaccines available for COVID-19 in India. While Bharat Biotech’s Covaxin and Serum Institute of India’s Covishield are two widely administered vaccines, Sputnik V is also being introduced to the country.

Does TATA AIG offer cashless claims?

We have tied up with over 7,200+ network hospitals across India. When you get a covered treatment at a network hospital, you can enjoy going completely cashless!

What documents do I need to provide while making a health insurance claim?

If you’re making a cashless claim, we don’t need too many documents. But, for reimbursement claims, we would require all your medical invoices along with the claim form.

Did Not Find What You Were Looking For?

Understanding Health Insurance Terms

  • AYUSH Today, people may opt for different kinds of medical treatments based on their preferences. All Ayurveda, Yoga and naturopathy, Unani, Siddha and Homoeopathy treatments are covered under the banner of AYUSH.
  • Bariatric Surgery Bariatric surgeryis more commonly known as weight-loss surgery. If you are required to undergo bariatric surgery to treat obesity or control your weight, it is covered under our Medicare health insurance policy.
  • Base or Indemnity Plan An indemnity plan refers to a medical insurance policy against which the insurance-provider makes payments based on actuals. For example, let’s say you’ve purchased a plan with a sum insured of INR 5 lakhs. You have to undergo covered treatment and a hospital stay which costs you INR 2 lakhs. If you have an indemnity plan, your insurance provider will reimburse you or settle the amount of 2 lakhs directly with the hospital.
  • Co-Pay If you’d like to lower your health insurance premium, you can opt for co-payment. You can promise to pay a certain percentage of each claim you make against your medical insurance policy, and your insurance provider will take care of the rest. If you’d like your insurance provider to settle the full claim, you can opt-out of co-payment.
  • Cumulative or No-Claim Bonus This is a little reward that your insurance provider offers you for not making a single claim in a policy year. For every year that you do not make a claim, your sum insured will be increased by a certain percentage. For every consecutive claim-free year, the percentage will increase.
  • Daycare Procedures A daycare procedure is any treatment that requires you to be hospitalised for less than 24 hours. For example, a single round of chemotherapy radiation or dialysis falls under daycare procedures. Most health insurance policies offer cover for a wide variety of daycare treatments.
  • Deductible This is a fixed amount that the insured individual has to pay towards their medical treatments before they can file a claim with their insurance provider. The deductible is a fixed amount and not a percentage of the total claim amount. Let’s assume that your deductible is INR 5,000. In a policy year, you undergo treatment worth INR 50,000. You have to pay INR 5,000 before you can make a claim for the balance amount of INR 45,000.
  • Dependent In certain situations, your health insurance policy will extend your cover to certain family members, like your spouse, children or parents. These individuals who are eligible to enjoy cover under your policy are known as dependents.
  • Domiciliary Treatment We understand that not everybody can make it to hospital for treatment. Any medical treatment that you or an insured individual receives at home, under the supervision of a trained medical professional, is known as domiciliary treatment & is available under the domiciliary hospitalization.
  • Free Look Period Once you purchase a health insurance plan, you don’t have to be committed to it. You have the opportunity to cancel or change your insurance provider within a given period. If you opt to cancel your health insurance policy within this specified time, you will not be required to pay any penalty. This time is known as the free look period. Typically, it lasts for 15 days from the date the policy is issued.
  • Pre-Existing Condition If the individual purchasing insurance already suffers from any disease, it is called a pre-existing disease. The individual can purchase their medical insurance policy, but the pre-existing disease will only be covered after a given waiting period.
  • Restoration Benefit The restoration benefit allows you to refill your sum insured if you happen to exhaust it in a single policy year.
  • Riders/Add-Ons Riders or add-ons refer to additional covers that you can add to your basic health insurance policy. For example, you may opt for global cover or personal accident cover in addition to everything else covered by your regular health insurance policy. To enjoy these benefits, you’ll have to pay a slightly higher premium.
  • Room Rent Limit Every hospital has a daily room tariff. If you need to be hospitalised to undergo treatment, your policy will cover the cost of renting the room up to a specified limit. This is known as your room rent limit. At TATA AIG, we allow you to enjoy the best rooms without worrying about any limits. You can opt to purchase a policy without a cap on the room rent.
  • Sum Insured Your sum insured refers to the maximum amount that your insurance provider will pay in a given policy year. It basically reflects the total value of your policy. You can choose your sum insured when you purchase your health insurance policy. But, you should remember that the amount you choose will directly impact your premium.
  • Super Top-Up A super top-up refers to an additional plan that you can purchase to enhance the cover of your existing health insurance policy. It’s an affordable and easy way to boost your coverage without burning a hole in your pocket.
  • Underwriting Underwriting is the process during which your selected insurance provider will evaluate your application. The company will likely check your medical history and the details you have provided before making a decision on whether they should provide you with the health insurance policy and what premium amount they should charge.
  • Waiting Period The waiting period is a specific amount of time during which insured individuals cannot make certain claims against their health insurance policies. For example, they cannot make non-emergency claims for the first few days or month. Or, they will not be able to make a claim for the treatment of a pre-existing illness for the first couple of years.