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Covid-19 Cover
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96.43% Claim Settlement Ratio
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4.5 Customer Ratings

Health Insurance (COVID-19 Covered)*

Start Your Health Insurance Journey Today!

Medical inflation is rising at an unprecedented rate. Something as simple as a regular medical exam could set you back a few thousand. This is precisely why having health insurance is so critical..

At TATA AIG, we understand that your medical insurance needs are as unique as you are. That’s why we’ve created a range of health insurance plans that fulfil various needs. We also understand that we must update our medical insurance policies ever so often. All our health insurance offerings come with COVID-19 cover, ensuring you’ll always be taken care of, even during the pandemic!

When you opt for a TATA AIG medical insurance policy, you can count on us to look after you and your family in times of need. We have tied up with over 7,200 hospitals across the country to facilitate cashless medical insurance claims. If required, we’ll happily help you with a reimbursement claim against your medical insurance policy. You can count on us to support you when you need us most!

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Why Do I Need Health Insurance?

In December 2018, a study showed that just 44% of Indians had health insurance. This means that over half the population lives without any kind of medical insurance. If you haven’t purchased a health insurance policy yet, here’s a look at all the reasons why you absolutely need to have medical insurance:

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Changing Lifestyle

The world around us is constantly changing. Today we face rising levels of pollution and hectic work schedules, both of which make us prone to several health issues. A good health insurance policy will help you take care of yourself without breaking the bank.
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Changing Lifestyle

The world around us is constantly changing. Today we face rising levels of pollution and hectic work schedules, both of which make us prone to several health issues. A good health insurance policy will help you take care of yourself without breaking the bank.
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Rising Medical Costs

If you’ve been visiting the doctor regularly over the years, you may have noticed that the costs of medical treatments and check-ups have gone up. The easiest way to keep up with inflated healthcare costs is by getting yourself a good medical insurance policy while you’re still young and in the best of health.
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Rising Medical Costs

If you’ve been visiting the doctor regularly over the years, you may have noticed that the costs of medical treatments and check-ups have gone up. The easiest way to keep up with inflated healthcare costs is by getting yourself a good medical insurance policy while you’re still young and in the best of health.
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COVID-19 Cover

The recent pandemic showed us just how important having good health insurance is. When you have a great medical insurance policy, you can rest easy knowing that you’ll be taken care of even if you were to be diagnosed with COVID-19.
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COVID-19 Cover

The recent pandemic showed us just how important having good health insurance is. When you have a great medical insurance policy, you can rest easy knowing that you’ll be taken care of even if you were to be diagnosed with COVID-19.
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Tax Benefits

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 medical insurance plan for your parents who are over the age of 60, you can claim an additional deduction of INR 50,000 per year.
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Tax Benefits

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 medical insurance plan for your parents who are over the age of 60, you can claim an additional deduction of INR 50,000 per year.

Advantages Of TATA AIG Health Insurance

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We Have A Wide-Reaching Network

Cashless claims with TATA AIG’s health insurance policy is easy. We have tied up with over 7,200 hospitals across India, so no matter where you are, you’ll have a network hospital close by. In the unlikely possibility that you’re unable to get to one of our network hospitals, you don’t need to break a sweat. You can go across to any trusted healthcare facility and get the treatment you need. We’ll work on getting you a reimbursement claim against your health insurance policy instead. Either way, you will be taken care of.

1

We Have A Wide-Reaching Network

Cashless claims with TATA AIG’s health insurance policy is easy. We have tied up with over 7,200 hospitals across India, so no matter where you are, you’ll have a network hospital close by. In the unlikely possibility that you’re unable to get to one of our network hospitals, you don’t need to break a sweat. You can go across to any trusted healthcare facility and get the treatment you need. We’ll work on getting you a reimbursement claim against your health insurance policy instead. Either way, you will be taken care of.

2

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 medical insurance plan for your parents who are over the age of 60, you can claim an additional deduction of INR 50,000 per year.

2

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 medical insurance plan for your parents who are over the age of 60, you can claim an additional deduction of INR 50,000 per year.

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Paperless Policies

We live in a digital and fast-paced world, so we understand the need to have all your documents on-the-go. As soon as your health insurance policy is issued, we’ll send you a soft copy. You can show the TPA the digital copy at the hospital and we’ll get your health insurance claims process started. You don’t have to carry around a paper or card to prove you’ve bought our health insurance policy!

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Paperless Policies

We live in a digital and fast-paced world, so we understand the need to have all your documents on-the-go. As soon as your health insurance policy is issued, we’ll send you a soft copy. You can show the TPA the digital copy at the hospital and we’ll get your health insurance claims process started. You don’t have to carry around a paper or card to prove you’ve bought our health insurance policy!

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A TATA Promise

Our health insurance policies come with the 150-year legacy and trust of TATA. As an insurance company, we’ve been keeping our promise of looking after you, your health and your finances for over 20 years! When we commit to something, we stick to it.

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A TATA Promise

Our health insurance policies come with the 150-year legacy and trust of TATA. As an insurance company, we’ve been keeping our promise of looking after you, your health and your finances for over 20 years! When we commit to something, we stick to it.

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Safe And Secure

We value your privacy and data. Our website is a safe place for you to input your details and complete health insurance premium payments. We promise to keep your personal and payment data 100% secure at all times.

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Safe And Secure

We value your privacy and data. Our website is a safe place for you to input your details and complete health insurance premium payments. We promise to keep your personal and payment data 100% secure at all times.

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High Claim Settlement Ratio

Before you buy or renew your health insurance policy, we’re sure you’d like to know how likely you are to get your settlement if you raise a valid claim. Well, we’re proud of our stats. In FY19-20, we settled 96.43% of all health insurance claims that came our way.

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High Claim Settlement Ratio

Before you buy or renew your health insurance policy, we’re sure you’d like to know how likely you are to get your settlement if you raise a valid claim. Well, we’re proud of our stats. In FY19-20, we settled 96.43% of all health insurance claims that came our way.

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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!

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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!

How Do I Buy Health Insurance?

Buying Health Insurance Isn’t Always As Easy As Browsing For Options Before Adding To Your Cart And Checking Out. You Have To Figure Out Exactly What You Need Before You Can Find A Medical Insurance Policy That Suits You. Here’s A Look At The Steps You Should Follow While Looking For A Health Insurance Plan:

1

Understand Your Needs

If this is the first time you’re purchasing medical insurance, you should start by asking yourself who needs insurance in your family. Do you need to purchase a health insurance policy just for yourself, or do you have a spouse, children or parents who also need health insurance? If you’re purchasing a health insurance policy for yourself, you can go ahead with an individual medical insurance policy. If you’d like to get cover for your spouse or parents as well, you could explore family floater health insurance options. Next, think about the cover you need. Depending on your age, lifestyle and family medical history, you may want to opt for critical illness cover, which will help you take care of the cost of treatment of some more dire illnesses or health issues.

If you already have a good health insurance plan, you may want to consider a super top-up at the time of renewal. This will allow you to gain more cover for yourself and other insured family members without it affecting your health insurance premium amount too much. It’s a great way to keep up with rising medical costs.

2

Check Policy Benefits

Different health insurance policies will offer different kinds of benefits. Ideally, you should look for a health insurance policy that covers AYUSH and allows you to either opt-out of room rent limits or pick your own. You should also explore the add-on benefits that various health insurance providers offer. If you can, purchase a health insurance policy that allows you a chance to restore your sum insured. This is especially important if you’ve purchased a family floater health insurance policy.

3

Research the Insurers

Once you’ve narrowed down your health insurance policy options, it’s time to get down to the nitty-gritty details. You should choose a health insurance provider who will live up to their end of the bargain. Check how long they’ve been around and what their claim settlement ratio looks like. Ideally, check how many network hospitals they have and whether or not your preferred hospital is on the list. You can even ask around and see what kind of experience your family and friends have had with the health insurance company. Pick the provider who you think will best be able to help you in an emergency.

1

Understand Your Needs

If this is the first time you’re purchasing medical insurance, you should start by asking yourself who needs insurance in your family. Do you need to purchase a health insurance policy just for yourself, or do you have a spouse, children or parents who also need health insurance? If you’re purchasing a health insurance policy for yourself, you can go ahead with an individual medical insurance policy. If you’d like to get cover for your spouse or parents as well, you could explore family floater health insurance options. Next, think about the cover you need. Depending on your age, lifestyle and family medical history, you may want to opt for critical illness cover, which will help you take care of the cost of treatment of some more dire illnesses or health issues.

If you already have a good health insurance plan, you may want to consider a super top-up at the time of renewal. This will allow you to gain more cover for yourself and other insured family members without it affecting your health insurance premium amount too much. It’s a great way to keep up with rising medical costs.

2

Check Policy Benefits

Different health insurance policies will offer different kinds of benefits. Ideally, you should look for a health insurance policy that covers AYUSH and allows you to either opt-out of room rent limits or pick your own. You should also explore the add-on benefits that various health insurance providers offer. If you can, purchase a health insurance policy that allows you a chance to restore your sum insured. This is especially important if you’ve purchased a family floater health insurance policy.

3

Research the Insurers

Once you’ve narrowed down your health insurance policy options, it’s time to get down to the nitty-gritty details. You should choose a health insurance provider who will live up to their end of the bargain. Check how long they’ve been around and what their claim settlement ratio looks like. Ideally, check how many network hospitals they have and whether or not your preferred hospital is on the list. You can even ask around and see what kind of experience your family and friends have had with the health insurance company. Pick the provider who you think will best be able to help you in an emergency.

The Perfect Health Insurance Plan 

Just Like People, Every Health Insurance Plan Is Unique. Pick The Health Insurance Policy That Best Caters To Your Medical Insurance Needs:

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Individual Health Insurance

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This is the best option for young individuals who are probably purchasing their first health insurance policy. It’s great for single people who aren’t financially responsible for others yet. An individual health insurance policy will provide cover for one individual.

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Family Health Insurance

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A family floater health insurance plan allows you to cover multiple family members under a single policy. All family members share the maximum sum insured amount. This is a great option for families where some members may require more cover than others. Typically, a family floater health insurance plan offers a higher cover limit.

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Super Top-Up Health Insurance

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If you’d like to enhance the cover on your existing basic health insurance policy, you can opt for our super-top up plan, Tata AIG Medicare Plus. The super top-up health insurance plan provides additional benefits, life-long renewal options, consumables benefits and more!

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Critical Illness Health Insurance

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Some illnesses require more medical and financial support than others. Critical illness health insurance policies have been created specifically for this reason. Most regular medical insurance policies will cover basic treatments and those required after an accident. But, issues such as heart attacks, cancer, renal failure and more will only be covered by critical illness health insurance policies.

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Personal Accident Insurance Policy

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Some accidents are more severe than others. If an accident were to be fatal or leave you disabled, a personal accident insurance policy will provide you or your family members with financial compensation. Of course, it will not help reverse the damage or loss, but it will help you and your family with financial stability at a difficult time.

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Coronavirus Health Insurance

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The recent pandemic turned our world topsy-turvy. Many of you may have experienced loss or suffering because of COVID-19. The virus is continuously evolving, and individuals who are diagnosed with coronavirus may require a lot of medical attention and help.

What Our Customers Are Saying

 
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Read All Reviews
Allur Midhunkumarsingh
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"Very nice, big 👌 thumps up to entire who ever involved to build this platform. "
20-01-2021
Muralianand SV
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"Very easy"
10-01-2021
Bhavesh h. Parekh
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"Thank you TATA AIG. this process is very easy. we don't need any agent for this. this is Time Saving for us."
17-12-2020
Anil Dafale
fullfullfullfullfull
"Very good. keep growing .Best of luck tata group and company's."
01-02-2021
Manjula Sriram
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"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!"
21-01-2021
Vanraj Dubey
fullfullfullfullempty
"Their customer service executives really helped me with the requirements for claim filing and were very patient with me."
20-01-2021
Allur Midhunkumarsingh
fullfullfullfullfull
"Very nice, big 👌 thumps up to entire who ever involved to build this platform. "
20-01-2021
Muralianand SV
fullfullfullfullfull
"Very easy"
10-01-2021
Bhavesh h. Parekh
fullfullfullfullfull
"Thank you TATA AIG. this process is very easy. we don't need any agent for this. this is Time Saving for us."
17-12-2020
Anil Dafale
fullfullfullfullfull
"Very good. keep growing .Best of luck tata group and company's."
01-02-2021
Manjula Sriram
fullfullfullfullfull
"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!"
21-01-2021
Vanraj Dubey
fullfullfullfullempty
"Their customer service executives really helped me with the requirements for claim filing and were very patient with me."
20-01-2021
Anil Dafale
fullfullfullfullfull
"Very good. keep growing .Best of luck tata group and company's."
01-02-2021
Read All Reviews

Why Should I Buy Health Insurance Online?

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It's Quick

Purchasing health insurance doesn’t have to be a difficult or long-drawn process. When you buy your health insurance policy online, we can provide you with a quote in just a few minutes.
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It's Quick

Purchasing health insurance doesn’t have to be a difficult or long-drawn process. When you buy your health insurance policy online, we can provide you with a quote in just a few minutes.
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Easy To Compare

Purchasing health insurance doesn’t have to be a difficult or long-drawn process. When you buy your health insurance policy online, we can provide you with a quote in just a few minutes.
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Easy To Compare

Purchasing health insurance doesn’t have to be a difficult or long-drawn process. When you buy your health insurance policy online, we can provide you with a quote in just a few minutes.
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Chat With Experts 

In the good old days, a health insurance agent would talk you through your policy options and help you understand all the jargon. If you opt to buy your medical policy online, you can still benefit from their knowledge. If you’d like any assistance with your health insurance policy, you can reach out to our health insurance experts at any time on 1 800 267 6115.
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Chat With Experts 

In the good old days, a health insurance agent would talk you through your policy options and help you understand all the jargon. If you opt to buy your medical policy online, you can still benefit from their knowledge. If you’d like any assistance with your health insurance policy, you can reach out to our health insurance experts at any time on 1 800 267 6115.
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No Check-Up Required

Generally, when you buy health insurance online, you won’t be required to undergo a health check-up. But, if we feel we need a bit more information before issuing your health insurance policy, we’ll get one of our tele-underwriters to call you.
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No Check-Up Required

Generally, when you buy health insurance online, you won’t be required to undergo a health check-up. But, if we feel we need a bit more information before issuing your health insurance policy, we’ll get one of our tele-underwriters to call you.
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Paperless Process

Now you can buy health insurance and save the planet too! When you purchase a health insurance policy online, we’ll send a soft copy of your policy right to your e-mail inbox. You won’t have to wait for a hard copy to reach you to enjoy your health cover. You can use the soft copy instead!
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Paperless Process

Now you can buy health insurance and save the planet too! When you purchase a health insurance policy online, we’ll send a soft copy of your policy right to your e-mail inbox. You won’t have to wait for a hard copy to reach you to enjoy your health cover. You can use the soft copy instead!

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:

No Sub-Limit on Hospital Room Rent

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.

Maternity Cover

After four years of continuous cover under our TATA AIG health insurance policy, we will happily help take care of all maternity hospital costs, up to a maximum of INR 50,000. If you welcome a baby girl into the world, we’ll bump the limit up to INR 60,000. The best part? We don’t have a limit on the number of pregnancies we’ll cover.

Cover For Pre-Existing Illnesses

After 3 years of continuous cover under our health insurance policy, we’ll look after the costs related to treating any pre-existing illnesses you had when you purchased the policy. You won’t have to worry about paying for those costs from your own pocket!

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.

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.

Cover For Daycare Procedures

Not all treatments require you to spend days in a hospital. With our health insurance policy, we’ll help cover the cost of more than 540 daycare procedures as well.

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.

Pre & Post Hospitalisation Cover

Depending on the type of health insurance policy you choose, we’ll offer cover for the medical expenses you incur in the 30 to 60 day period just before hospitalisation. We understand that your care doesn’t end once you’re discharged. We’ll also take care of medical expenses you incur in the 60 to 90 day period after you’re discharged from the hospital.

Cashless Claims

We’ve spread our network far and wide. We’ve tied up with over 7200 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.

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.

AYUSH Cover

We understand that different people prefer different kinds of treatment. AYUSH refers to any treatment covered by Ayurveda, Yoga and naturopathy, Unani, Siddhi or Homoeopathy. Under our health insurance policy, you will receive cover even if you opt for one of these treatments instead of conventional, allopathy treatment.

COVID-19 Cover

Our health insurance policies do not exclude treatments for COVID-19 or any other pandemic. So, should you be diagnosed with COVID-19, our health insurance policy will help you take care of the costs associated with the treatment.

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:

No Sub-Limit on Hospital Room Rent

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.

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.

Maternity Cover

After four years of continuous cover under our TATA AIG health insurance policy, we will happily help take care of all maternity hospital costs, up to a maximum of INR 50,000. If you welcome a baby girl into the world, we’ll bump the limit up to INR 60,000. The best part? We don’t have a limit on the number of pregnancies we’ll cover.

Pre & Post Hospitalisation Cover

Depending on the type of health insurance policy you choose, we’ll offer cover for the medical expenses you incur in the 30 to 60 day period just before hospitalisation. We understand that your care doesn’t end once you’re discharged. We’ll also take care of medical expenses you incur in the 60 to 90 day period after you’re discharged from the hospital.

Cover For Pre-Existing Illnesses

After 3 years of continuous cover under our health insurance policy, we’ll look after the costs related to treating any pre-existing illnesses you had when you purchased the policy. You won’t have to worry about paying for those costs from your own pocket!

Cashless Claims

We’ve spread our network far and wide. We’ve tied up with over 7200 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.

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.

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.

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.

AYUSH Cover

We understand that different people prefer different kinds of treatment. AYUSH refers to any treatment covered by Ayurveda, Yoga and naturopathy, Unani, Siddhi or Homoeopathy. Under our health insurance policy, you will receive cover even if you opt for one of these treatments instead of conventional, allopathy treatment.

Cover For Daycare Procedures

Not all treatments require you to spend days in a hospital. With our health insurance policy, we’ll help cover the cost of more than 540 daycare procedures as well.

COVID-19 Cover

Our health insurance policies do not exclude treatments for COVID-19 or any other pandemic. So, should you be diagnosed with COVID-19, our health insurance policy will help you take care of the costs associated with the treatment.

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.

Exclusions

Medical exclusions:

  • Plastic surgery or cosmetic surgery 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.

Factors To Consider While Buying Health Insurance

Buying a medical insurance policy isn’t child’s play. We’re sure you’ve spent hours looking for the perfect health insurance policy online. To help you make your decision, here’s a look at some important factors you should consider before buying a health insurance policy:

The Sum Insured

Medical treatments are becoming more expensive by the day. You’ll want to find yourself a health insurance policy that offers high cover without burning a hole in your pocket.

The Sum Insured

Medical treatments are becoming more expensive by the day. You’ll want to find yourself a health insurance policy that offers high cover without burning a hole in your pocket.

Waiting Periods

Each health insurance policy will outline a few separate waiting periods. The first is the initial waiting period. This is the time you must wait before making a non-accidental claim after purchasing the health insurance policy. The second is a waiting period for pre-existing illnesses. This can range from anywhere between 2 to 5 years. Depending on whether you have a pre-existing illness or not, you’ll want to weigh your options. The third waiting period is for specific illnesses. Some health issues such as hernia or ENT disorders will only be covered after a few years of cover. Generally, the waiting period for these issues is 2 years. The final waiting period is for maternity cover. Most health insurance policies will cover maternity expenses only after a few years. If you’re planning on growing your family, you’ll want to take this into consideration.

Waiting Periods

Each health insurance policy will outline a few separate waiting periods. The first is the initial waiting period. This is the time you must wait before making a non-accidental claim after purchasing the health insurance policy. The second is a waiting period for pre-existing illnesses. This can range from anywhere between 2 to 5 years. Depending on whether you have a pre-existing illness or not, you’ll want to weigh your options. The third waiting period is for specific illnesses. Some health issues such as hernia or ENT disorders will only be covered after a few years of cover. Generally, the waiting period for these issues is 2 years. The final waiting period is for maternity cover. Most health insurance policies will cover maternity expenses only after a few years. If you’re planning on growing your family, you’ll want to take this into consideration.

Network Hospitals

If you’d like to enjoy the convenience of cashless claims, you should check the list of network hospitals that your preferred medical insurance provider has tied up with. Check if your preferred hospital is on the list.

Network Hospitals

If you’d like to enjoy the convenience of cashless claims, you should check the list of network hospitals that your preferred medical insurance provider has tied up with. Check if your preferred hospital is on the list.

The Add-Ons & Riders Available

To ensure you have the best possible protection, you may want to purchase a few add-ons or riders along with your medical insurance policy. An add-on offers additional cover for a small cost, which is added to your total premium. Look for add-ons that suit your health requirements.

The Add-Ons & Riders Available

To ensure you have the best possible protection, you may want to purchase a few add-ons or riders along with your medical insurance policy. An add-on offers additional cover for a small cost, which is added to your total premium. Look for add-ons that suit your health requirements.

The Claim Settlement Ratio

Another important thing you need to check before you purchase or renew your medical insurance policy is the insurance provider’s claim settlement ratio. The ratio will tell you how many claims they have settled out of the total number of claim requests they received. At TATA AIG, we’re committed to keeping our promise of looking after you, your health and your finances. In FY19-20, we settled 96.43% of the health insurance claims that came our way.

The Claim Settlement Ratio

Another important thing you need to check before you purchase or renew your medical insurance policy is the insurance provider’s claim settlement ratio. The ratio will tell you how many claims they have settled out of the total number of claim requests they received. At TATA AIG, we’re committed to keeping our promise of looking after you, your health and your finances. In FY19-20, we settled 96.43% of the health insurance claims that came our way.

Age Limits

Some health insurance policies have a cap on the maximum age an individual can be to enjoy cover. You should check whether you can enjoy life-long renewals under your medical insurance policy before making a decision.

Age Limits

Some health insurance policies have a cap on the maximum age an individual can be to enjoy cover. You should check whether you can enjoy life-long renewals under your medical insurance policy before making a decision.

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

Medical insurance is an important long-term investment. This is precisely why buying a health insurance plan when you’re younger is a good idea. When you’re young, it’s likely you won’t have any health issues for a few years. So, you can ride out the waiting period without having to worry about out-of-pocket expenses. Since healthy individuals in their 20s are considered low-risk, you’ll be able to buy a medical policy with a high sum insured for a fairly competitive premium. The earlier you purchase a health insurance plan, the better it is for you!

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Understanding Waiting Periods

Every Health Insurance Policy Will Stipulate A Waiting Period. Typically, There Are Three Types Of Waiting Periods:

Initial Waiting Period

Once you purchase a medical insurance plan, you cannot immediately make claims against non-emergency treatment. Different health insurance policies have different waiting periods. It could be anything from 15 to 90 days. This initial waiting period may also be applied to any new-born children that you would like to add to your existing health insurance policy. During this waiting period, only emergency treatments required due to an accident will be covered.

Pre-Existing Disease Waiting Period

If you’ve purchased a health insurance policy after you’ve been diagnosed with a disease like high blood pressure, diabetes or a thyroid disorder, you will not immediately receive cover for the treatment of these issues. Instead, you will have to wait for a few years before you can make claims for these diseases. You can check the exact waiting period for pre-existing diseases in your health insurance policy documents once you’ve purchased a medical policy.

Waiting Period For Particular Ailments

Certain health issues and ailments, such as hernia, osteoporosis or ENT disorders also have a stipulated waiting period. Typically, the waiting period for such ailments is 2 years, but you should check your health insurance policy documents for details.

How Is A Health Insurance Premium Calculated?

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? Let’s Take A Look At Some Important Factors That Will Decide The Premium For Your Medical Insurance Policy.

Sum Insured

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.

Sum Insured

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.

Your Age And Health

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.

Your Age And Health

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.

Add-Ons & Riders

You can choose certain add-ons or riders to increase the cover you get under your health insurance policy. Each of these add-ons will come at a cost. Depending on the riders you select to add to your medical policy, your premium will increase.

Add-Ons & Riders

You can choose certain add-ons or riders to increase the cover you get under your health insurance policy. Each of these add-ons will come at a cost. Depending on the riders you select to add to your medical policy, your premium will increase.

How Can I Make A Health Insurance Claim?

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If you’ve received treatment at a network hospital
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In Case you have to visit the hospital for emergency
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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:
  1. Send us the cashless claim form via email or letter at least 48 hours before you’re scheduled to be at the hospital for your treatment.
  2. Once we receive the form and verify the details, we’ll inform the hospital and send you a confirmation letter.
  3. Submit your health card and the confirmation letter to the hospital when you arrive for your treatment.
  4. Focus on getting better and let us take care of the payment.

How Can I Make A Health Insurance Claim?

If you’ve received treatment at a network hospital

  1. Send us the cashless claim form via email or letter at least 48 hours before you’re scheduled to be at the hospital for your treatment.
  2. Once we receive the form and verify the details, we’ll inform the hospital and send you a confirmation letter.
  3. Submit your health card and the confirmation letter to the hospital when you arrive for your treatment.
  4. Focus on getting better and let us take care of the payment.

In Case you have to visit the hospital for emergency

  1. Send us the cashless claim form via email or letter at least 48 hours before you’re scheduled to be at the hospital for your treatment.
  2. Once we receive the form and verify the details, we’ll inform the hospital and send you a confirmation letter.
  3. Submit your health card and the confirmation letter to the hospital when you arrive for your treatment.
  4. Focus on getting better and let us take care of the payment.

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

  1. Send us the cashless claim form via email or letter at least 48 hours before you’re scheduled to be at the hospital for your treatment.
  2. Once we receive the form and verify the details, we’ll inform the hospital and send you a confirmation letter.
  3. Submit your health card and the confirmation letter to the hospital when you arrive for your treatment.
  4. Focus on getting better and let us take care of the payment.

Frequently Asked Questions

Policy Related

Service Related

Why do I need health insurance?

A health insurance policy will provide you with financial stability and relief, allowing you to deal with any medical emergency that comes your way. Given the rising rate of healthcare costs, it’s a good idea to purchase a health insurance policy to help you deal with the cost of medical treatment.

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 regular TATA AIG health insurance plan doesn’t offer cover outside India. However, we do have an optional Global Cover rider that you can add to your policy. This will cover you for treatments outside India as well.

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.

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 surgery is 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.
  • 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.

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