Health Insurance in Delhi

Poor Air Quality

Delhi is ranked among the most polluted cities in the world, with an Air Quality Index (AQI) reaching above 500 in 2026, which is 73 times higher than the WHO guidelines. This results in high risks of chronic respiratory disorders, like asthma, bronchitis and lung cancer, as well as cardiovascular and cerebral disorders. Residents need health insurance to bear the financial costs of hospitalisation from such illnesses.

Lifestyle Diseases

Delhi’s busy urban life and limited physical activity have led to a rise in diabetes, obesity and hypertension. These diseases are prevalent even among the young. Health insurance plans in Delhi cover long-term treatment expenses and regular checkups to prevent and treat lifestyle diseases.

Rising Healthcare Costs

Healthcare costs in Delhi are generally higher than in other Indian cities due to advances in technology and rising healthcare demand. Moreover, healthcare costs have been rising across the country at an alarming rate every year. The high medical inflation makes it necessary to have medical insurance in Delhi, as it protects your savings and ensures timely treatment.

To Protect Your Savings

An unforeseen illness can not only cause pain and stress, but it can also lead to massive expenses. A single instance of hospitalisation can cost several lakhs of rupees, especially at a private hospital. To protect yourself and your dependents from such catastrophic medical bills, you should get medical insurance coverage for yourself and your loved ones.

Affordable Insurance Costs

Even if you are young, you should buy health insurance early to get more affordable premiums on your policies. Older people generally have to pay higher premiums as they carry higher risk of diseases and medical complications. As you keep renewing your health insurance, you can retain attractive discounts and bonuses that lower your costs at an older age.

Coverage for Different Expenses

If you are admitted to a hospital, our health insurance covers all expenses related to your medical treatment, including medicines, consultations, diagnosis, room rent and even ambulance charges. We also cover pre- and post-hospitalisation expenses, daycare treatments, AYUSH treatments, major surgeries, and more.

Adequate Cover at Affordable Costs

With TATA AIG, you get all-inclusive Delhi health insurance plans with a sum insured amount up to ₹3 crores at competitive prices. We also offer various discounts on premiums, including discounts for opting for family plans, discounts for long-term plans and a cumulative bonus for renewals.

Cashless Hospitalisation Anywhere in Delhi

We have established a network of 12,000+ cashless hospitals across India, many of which are in Delhi, to support easy access to medical treatments. You can get cashless treatments without paying anything at any of these hospitals and even at any other authorised hospital of your choice.

Add-ons for Customisation

With the best health insurance in India, you can customise your health insurance coverage to suit your needs. You can change the sum insured amount, policy tenure and add numerous add-ons or riders. Our riders allow you to get maternity coverage, critical illness coverage, personal accident insurance, emergency assistance, OPD (outpatient department) treatments, and more.

Tax-Saving Benefits

You can also save taxes by paying health insurance premiums. Under Section 80D of the Income Tax Act, you can save up to ₹25,000 for self and family, ₹25,000 for parents, ₹25,000 for senior citizen parents and ₹25,000 for senior citizen self and family. Altogether, you can save up to ₹1 lakh in a financial year under the old tax regime.

Automatic Restoration

A unique benefit of certain TATA AIG health insurance plans is the automatic restoration or refilling of the sum insured amount under certain conditions. Normally, a regular medical insurance plan is unusable after filing or exhausting a claim. But with automatic restoration, we refill your sum insured, allowing you to keep your health insurance coverage for the rest of the policy term.

Individual Health Insurance

Individual Health Insurance covers the specific medical needs of a single person. This is ideal for those who want personal medical protection. Our individual plan provides a sum insured amount of up to ₹3 crores*, covering hospitalisation, treatments, surgeries and many other expenses. This gives you complete control over your healthcare coverage.

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Senior Citizen Health Insurance

This is the best health insurance in Delhi for senior citizens, i.e., people above 61 years. It provides special medical insurance coverage of up to ₹25 lakhs* for age-related health risks. It offers benefits such as preventive checkups, home care, home physiotherapy, lifelong renewals, and higher coverage.

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Critical Illness Insurance

The Critical Illness Health Insurance plan is designed for major illnesses such as cancer, heart attack, or kidney failure. It pays a lump sum on diagnosis of up to 100 critical diseases and helps you focus on recovery rather than medical expenses. Our critical illness plan offers preventive health checkups, second medical opinions, lifelong renewal, and daily hospital cash.

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Family Health Insurance

Our Family Health Insurance is a single plan that safeguards your entire family, including your spouse, children and even parents. With it, you can cover up to 7 family members at a lower cost compared to single plans for each member. You can get up to 32% discount on premiums based on the number of family members added and 10% discount for long-term plans.

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Super Top-Up Health Insurance

This medical insurance in Delhi adds coverage to your existing health insurance plan at a pocket-friendly price. It activates when your base plan is depleted and covers the cost of your medical treatment while being cheaper than a new insurance policy. Our Super Top-Up Plan offers lifelong renewals, consumable coverage and other benefits.

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Arogya Sanjeevani Policy

This is a simple, affordable plan approved by IRDAI that offers basic health coverage of up to ₹10 lakhs. It is easy to understand and ideal for first-time policy buyers. The Arogya Sanjeevani Plan covers hospitalisation, pre-hospitalisation and post-hospitalisation expenses with a cumulative bonus and lifelong renewals.

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Disclaimer: The policy coverage and features are subject to terms and conditions. Please check the Policy Wording document to know the latest terms.

Medical Insurance Inclusions

• Inpatient treatment: Our health insurance plan in Delhi covers room rent, ICU charges, medicines, nursing charges and other related consumables.
• Pre-Hospitalisation Medical Expenses: It covers the cost of medicines, investigations and consultations for a set number of days before admission.
• Post-Hospitalisation Medical Expenses: This covers medical costs for post-operative care for a set number of days as per policy terms.
• Domiciliary Hospitalisation: Our health insurance plans cover medical treatments at home over a certain number of days, subject to conditions.
• Ambulance Cover: Medical costs incurred for ambulance services are also covered by the best mediclaim policy in Delhi.
• Daycare Procedures: We provide coverage for up to 540 different daycare treatments that do not require hospitalisation for over 24 hours.
• Global Cover: Our plans cover medical expenses for inpatient and daycare hospitalisation outside the country. But it is only applicable when the diagnosis is made in India.
• Organ Donor Costs: Our health insurance plans in Delhi cover the costs of organ harvesting when the insured is the recipient.
• Vaccination: We also cover the cost of several vaccinations depending on your chosen plan.
• Maternity Cover: Some of our medical insurance plans provide maternity expense cover. It includes pre and post-natal expenses.
• Dental Treatment: We cover hospitalisation costs for medically necessary dental treatments due to an accident or an injury.
• AYUSH Cover: Our medical insurance plans in Delhi cover inpatient and daycare treatments practised in Ayurveda, Yoga, Naturopathy, Siddha, Unani, or Homoeopathy.

Medical Insurance Exclusions

• Illnesses from Substance Use: If you are facing any health problems caused by excessive smoking, alcohol, or drug use, these are not covered since these are voluntary lifestyle choices.
• Cosmetic Treatments: Procedures like facelifts, Botox, lip enhancements or similar cosmetic procedures are not covered unless they are necessary due to an accident.
• Congenital or Genetic Conditions: Conditions present since birth or caused by genetics are excluded unless your plan specifically mentions this.
• Sexually Transmitted Diseases (STDs): Diseases like HIV or STDs like gonorrhoea are excluded due to long-term and complex treatment requirements.
• Pregnancy & Fertility Treatments: Regular childbirth and fertility procedures like IVF are not part of standard coverage. For such needs, you need to have a maternity-specific plan.
• Self-Inflicted Injuries: Injuries from intentional self-harm or suicide attempts are not covered under any plan.
• Pre-Existing Conditions: If you already have a medical condition before buying the policy, it will be covered after a waiting period of 2–4 years, based on your chosen plan.

Disclaimer: The inclusions and exclusions are subject to your chosen policy’s terms. Read the Policy Wording document carefully to know the full terms and conditions.

Choose the Right Insurance Type

The best choice of health insurance depends on your budget and coverage needs. Individual health insurance is better when you need the maximum coverage, while family floater plans are better when you have budget constraints. Meanwhile, TATA AIG’s Health Insurance for Women is the best choice for a woman’s unique healthcare needs.

Get the Right Coverage

The right coverage amount depends on your expected healthcare costs. Medical treatment in large metro cities like Delhi costs more than it does in Tier 2 and Tier 3 cities. You can also use add-ons to get the right coverage options depending on your and your family’s specific health risks.

Check the Cashless Hospital Coverage

The best health insurance in India will offer access to cashless hospitals throughout the country. Check if your insurance plan covers reputable hospitals and medical centres near your residence and workplace in Delhi, allowing you to get cashless access to treatments.

Ensure Minimal Sub Limits

Your health insurance plan should have minimal sub-limits on room rent, specific procedures, ambulance charges, etc. Since sub-limits cap the maximum payout you can get from your insurance plan, ensure to get minimal sub-limits depending on your healthcare needs and preferences.

Opt for the Lowest Waiting Period

Choose a plan with the lowest possible waiting period for pre-existing diseases if you have any. Also, look for minimal waiting periods for specific illnesses if you have high-risk patterns or a documented history of the illness in your family.

High Claim Settlement Ratio

As a reliable and trustworthy insurance provider, we have always maintained a high claim settlement ratio. We ensure to settle all genuine claims in a quick and timely manner while keeping the claim process as simple as possible.

Attractive Cumulative Bonus

One of the reasons why we have the best mediclaim policy in Delhi is our bonuses for renewals. We offer a cumulative bonus that adds extra health insurance coverage every year you don’t file a claim without any increase in the premium. We offer a cumulative bonus from 50% to 100% of the base sum insured amount for continuing your partnership with us.

Trusted Brand Under the TATA Group

With over 25 years of experience as a general insurance company under the TATA brand, TATA AIG has earned its name as one of the country’s most reputable insurers. We have built an extensive network of 12,000+ cashless hospitals and served over 5 crore customers over the years. We are known for our innovative risk management solutions and effective claim management.

24x7 Customer Support

We offer 24x7 customer support, providing immediate help with purchase, renewals and claim settlements. We have dedicated customer service executives to answer your queries and manage complaints, if any. Reach us via our customer support helpline (022-6489-8282) or email (customersupport@tataaig.com).

Easy Claim Settlement

We have created a seamless, flexible and user-friendly claim settlement process that requires no complex paperwork. We allow you to claim cashless treatments both in and out of our network and offer reimbursements where we can’t settle directly. We also follow a strict timeline for addressing your claims.

Straightforward Online Procedure

TATA AIG offers comprehensive medical insurance in Delhi, which is readily available online. An easy process and quick steps can help you buy an all-inclusive plan without problems.

Affordable and Transparent Pricing

When you buy health insurance online, you avoid middlemen and extra costs. TATA AIG also offers exclusive online discounts, so you get the best value.

Easy Comparison and Access

Our online platform allows you to compare health insurance plans side by side. You can review coverage benefits, features, and premiums. You can access this feature without requiring assistance from health insurance agents in Delhi.

Completely Paperless Procedure

Our seamless online process has eliminated the need for complex and time-consuming paperwork. You only need to submit soft copies of a few basic documents while buying or renewing our Delhi medical insurance. We send all policy documents and invoices via your email, allowing you to view and print them at your convenience.

Step 1: Visit our official TATA AIG website and hover over the ‘Personal’ drop-down and click on the ‘Health Insurance’ option.

Step 2: Select the members you wish to include in your health insurance plan. If you are buying an individual policy, simply choose Self.

Step 3: Click ‘Get Price’ to proceed.

Step 4: Provide your mobile number, email ID and date of birth, then click the ‘See Plan’ to view personalised insurance options.

Step 5: Instantly check your policy quote and choose a plan based on your needs. Select the sum insured amount and tenure.

Step 6: View the premium breakup and complete your payment to buy your medical insurance in Delhi. Download the policy documents sent via email for future reference.

Step 1: Go to the TATA AIG website and hover over the ‘Renewal’ drop-down and choose ‘Health’ to start your renewal process.

Step 2: Provide your policy number and click the ‘Renew’ button.

Step 3: Review your existing plan details and make any required changes.

Step 4: Pay the premium securely online and complete the renewal process.

Cashless Claim Procedure- Planned

Step 1: Inform your insurer, us, at least 48 hours in advance of your planned hospitalisation via an email or a cashless claim application.

Step 2: Wait for the cashless claim form to arrive. We will notify your network hospital and provide a confirmation letter.

Step 3: On the day of admission to the hospital, submit the confirmation letter and your health ID card.

Cashless Claim- Emergency Hospitalisation

Step 1: Inform TATA AIG and submit the cashless claim request within 24 hours of your hospitalisation with the help of the hospital staff.

Step 2: Along with the form, ensure to submit copies of your health ID card, policy documents, identity proof and a duly filed CKYC form for claims over ₹1 lakh.

Step 3: The concerned hospital staff will fill out the cashless claim request form and submit it on your behalf.

Step 4: Later, we will clear the bills with the hospital directly after giving the authorisation letter.

Reimbursement Claim Process

Step 1: Collect all the required documents, like an insurance card, a medical certificate from the doctor, a hospital discharge card, bills, and receipts at the time of your discharge.

Step 2: Submit all these documents with your reimbursement claim form and wait for our review.

Step 3: After the review, the payment will be processed per the policy terms.

We ensure to serve you with the best medical insurance policy in Delhi and facilitate the best healthcare support services. Our tie-ups with well-known hospitals ensure the best treatment for you. You can also use our TATA AIG Network Hospital Locator to find out the nearest network hospital to you.

As per the GIC 2024 guidelines, we now offer the Cashless Everywhere facility that lets you get 100% cashless coverage for any admissible claim outside our network hospitals. This benefit is offered by every TATA AIG health insurance plan, allowing you to get treatment at any authorised hospital in the country.

To avail of the Cashless Everywhere facility, send the SMS “GetCashlessPolicy NumberCity” to 7669300780. Once you receive a callback from us, make your cashless treatment request.