Health Insurance in Kochi

• To Deal with Respiratory Illnesses: Kochi’s Air Quality Index (AQI) has worsened in recent years due to a rise in chemical pollutants and vehicular emissions. This has increased the risk of respiratory illnesses, breathing issues and heart diseases. Having Kochi health insurance helps you protect your loved ones from these dangers.
• Helps Treat Lifestyle Diseases: Non-communicable diseases, such as diabetes, hypertension, cardiovascular diseases and cancer, have become prevalent in Kochi, with Kerala having the highest rate of hypertension in India. For residents at risk of lifestyle-related and chronic diseases, coverage under Kochi health insurance is essential.
• Safeguards Against Medical Inflation: Medical inflation in India is among the highest in Asia, growing at a 12-15% rate per year. Private healthcare costs have increased at an even higher rate, driven by rising hospital charges, more advanced treatments and newer medical devices. Having health insurance is essential for bearing these costs.
• Provides Financial Security: Medical insurance safeguards your finances from the very high expenses of medical treatment. This, in turn, prevents your savings from being depleted with just a single instance of hospitalisation. Health insurance helps to cover the cost of many tests and investigations, branded medicines and expensive procedures.
• To Protect Against Critical Illnesses: Even among medical expenses, the costs associated with critical illnesses, such as cancer, major organ failures, heart attacks, etc., are extremely high. A single instance of hospitalisation can deplete your entire life savings, and many of these conditions require multiple hospitalisations. Health insurance with critical illness cover can bear these expenses.

Comprehensive Health Coverage

At TATA AIG, we cover both planned and emergency medical expenses, including hospitalisation charges, daycare treatments, ambulance fees, AYUSH treatments, pre- and post-hospitalisation costs, and more. We provide more than basic coverage and include things like critical illnesses, preventive checkups, vaccinations, and maternity care.

100% Cashless Treatment

With the best health insurance in Kochi, you can get 100% cashless treatment at any hospital of your choice anywhere in India under TATA AIG’s Cashless Everywhere facility. You can also access over 12,000 cashless network hospitals, including top medical institutions in Kochi. We settle admissible claims directly with the hospital, allowing convenient cashless treatments.

Full Hospitalisation Coverage

At TATA AIG, all of our plans cover the full range of hospitalisation expenses up to the limits set within each policy. This means we cover all expenses incurred while you are admitted to the hospital, including room rent, ICU charges, medications, diagnostic tests, doctor’s fees, oxygen, blood, nurse’s fees, food and more.

Coverage for Daycare Procedures

Due to advancements in technology and medicine, many hospitals don’t require a 24-hour admission for many procedures. That’s why at TATA AIG, we cover daycare treatments at hospitals and daycare centres for over 540 procedures, including tonsil removal and cataract removal. Our daycare coverage is available for OPD treatments, AYUSH treatments and surgical procedures.

Tax-Saving Benefits

One of the biggest benefits of getting health insurance in Kochi is the tax deductions available under Section 80D of the Income Tax Act. This lets you lower your taxable income by up to ₹1,00,000 in a financial year for paying healthcare premiums. You can also claim deductions of up to ₹5,000 for preventive health checkups within the overall limit.

Individual Health Insurance

Individual health insurance plans are designed to meet the unique needs of a single person in Kochi rather than the broad needs of a group of people. TATA AIG’s Individual Health Insurance provides personalised coverage to satisfy your healthcare requirements with a sum insured amount of up to ₹3 Crores* with lifelong renewability and add-ons for customisability.

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Family Health Insurance

Instead of covering each family member individually, you can use our Family Health Insurance to insure up to 7 family members under a single plan. These are much more cost-effective compared to single plans, offering family discounts of up to 32% and 10% discounts on long-term plans. No health checkups are required for family members below 45 years.

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Critical Illness Health Insurance

Our Critical Illness Insurance provides coverage for up to 100 severe, life-threatening diseases, including cancer, kidney failure, heart disease and paralysis. Our medical insurance plan provides a lump sum payout, enough to cover any and all expenses related to the critical illness. Additional benefits include its lifelong renewability and discounts for longer policy terms.

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Senior Citizen Health Insurance

TATA AIG’s Senior Citizen Plan covers people over the age of 61 years with lifelong renewability. Our plan is designed to provide specialised coverage with benefits like preventive health checkups, home physiotherapy, wellness services and a high-end diagnostics cover with a separate sum insured amount. Senior citizens also get critical illness coverage and specialised disability/elderly care with this plan.

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Super Top-Up Health Insurance

TATA AIG’s Super Top-Up Health Insurance enhances your existing health insurance plan by offering additional benefits over and above your existing plan. It activates when you have exhausted the coverage limits of your regular health insurance and covers the rest of your medical costs. Our Super Top-Up offers high insured amounts, lifelong renewability and a cumulative bonus of up to 100% of the sum insured.

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Arogya Sanjeevani Policy

The Arogya Sanjeevani is a basic health insurance plan that covers hospitalisation, pre-hospitalisation and post-hospitalisation expenses at an affordable cost. Our Arogya Sanjeevani is designed as per IRDAI guidelines and offers a sum insured amount of up to ₹10 lakhs* with lifelong renewals and a cumulative bonus.

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Disclaimer: Policy coverage is subject to terms and conditions. Kindly check your policy document to know the updated terms.

Health Insurance Inclusions

• Inpatient Hospitalisation: Includes pharmacy charges, diagnostics, cost of implants, consumables, room rent, etc., for medical treatment at a hospital.
• Pre- and Post Hospitalisation: Covers treatment costs, diagnostics and therapy before and after hospital admission and discharge.
• AYUSH: Includes expenses for alternative treatments under the following disciplines: Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homoeopathy.
• Daycare Treatment: Covers treatments at hospitals or daycare centres that don’t require 24-hour hospitalisation.
• Domiciliary Treatments: Kochi medical insurance also covers at-home treatments to treat illnesses by a qualified doctor.
• Ambulance Charges: This covers ambulance charges for transporting the insured person from residence to hospital or to another hospital as per policy terms.
• Preventive Health Checkups: Includes certain tests for annual preventive health checkups as per policy terms.
• Global Cover: Under this, medical treatments at international hospitals are covered for conditions diagnosed in India.

Health Insurance Exclusions

• Exclusions with Waiting Periods: Health insurance in Kochi has certain waiting periods when the policy does not cover any expenses other than accidental claims.
• Self-inflicted Injuries: Health insurance plans do not cover self-inflicted injuries and injuries due to an attempted suicide.
• Gender Change Treatment: Expenses related to procedures to change the characteristics of one’s body to the opposite sex are not covered.
• Cosmetic Surgery: Health insurance plans in Kochi also don’t cover cosmetic and plastic surgeries unless they are required due to an accident or cancer treatment.
• Injuries from Nuclear Perils: Injuries sustained due to nuclear attacks or perils are also excluded.

Know the Required Sum Insured

Your health insurance plan must provide enough coverage to pay for a potential hospitalisation so that you don’t have to pay out of your pocket. Consider the age and health risks of each person you want to include, as well as current medical expenses.

Pick the Right Insurance Type

The best health insurance in Kochi depends on you and your family’s health needs and budget. If you want the highest coverage, choose individual plans. On the other hand, choose either a family floater plan or a group plan for more cost-effective coverage.

Check the Coverage Options

Choose a health insurance plan offering the right type of coverage options, including hospitalisation expenses, daycare treatments, AYUSH treatments, preventive care packages, etc. Check the limits of each coverage type and the cost of add-ons to get optimal coverage.

Find a Good Hospital Network

Before you choose a health insurance provider, ensure to check their network hospital range. See if they include reputable medical institutions near your residence, workplace and other places where you get hospitalised. Also, examine the insurer’s cashless claim and reimbursement procedures to know how easily you can get claims.

Get the Least Waiting Periods and Sub-Limits

Before choosing any plan, check the waiting period for pre-existing medical conditions and specific diseases. The lower the waiting period, the sooner you will get insurance coverage. Other than the waiting period, check for clauses for sub-limits like deductibles and co-payments and avoid plans that have them.

With TATA AIG, you can have an affordable health insurance plan that offers you the necessary coverage. Our health insurance calculator enables you to calculate your premiums and choose a plan that meets your needs. With our range of health insurance policies starting only at ₹15 per day*, we can assure you that you can rely on us for your health insurance needs. These are a few of the several benefits you can enjoy with a Tata AIG health insurance policy:

No Medical Checkup

When you buy health insurance in Kochi from TATA AIG, you can be sure that there will be no mandatory health checkup needed for getting a policy. However, if we do need any information on your medical history, we will reach out to you!

Easy Purchase/Renewal

With TATA AIG’s health insurance online, you can save a lot of time and effort when buying or renewing your health insurance plan. In a few easy steps, you can buy or renew your plan and make the online premium payment too!

Claim Settlement Ratio

TATA AIG’s record of maintaining a high Claim Settlement Ratio over many years is an assurance that we will help you out swiftly in case of an emergency. You can easily reach out to us, and we will promptly have your claim settled.

Zero Documentation

Our online purchase, renewal and claims process ensures that we stay paperless and green. This not only helps you access a compact soft copy of your health policy online but also takes a step in the right direction to reduce paper waste.

Compare & Buy

Our online health insurance premium calculator lets you compare health insurance policies so that you can examine all the benefits, features, exclusions and premiums of the available health plans before narrowing down on a final choice.

Get Expert Advice

Our team of health insurance claim experts is here to guide you through the claim settlement process, ensuring that you can get the benefits of your policy at the earliest. Whatever your queries, they will always be available 24*7!

Step 1: Visit the TATA AIG website and go to ‘Personal’ > ‘Health Insurance’.

Step 2: Enter or select the number of family members. Then, click on ‘Get Plan’.

Step 3: Enter the required details, including contact number, date of birth, PIN code, etc.

Step 4: Check the different health insurance plans available and choose a suitable plan.

Step 5: Enter the sum insured amount, policy term and other details.

Step 6: Check the premium details and if they are acceptable, complete the payment to buy TATA AIG’s Health Insurance online.

Step 1: Visit our website and go to ‘Renewal’ > ‘Health’ to select health insurance.

Step 2: Enter your previous policy number and click on ‘Renew’.

Step 3: Review the policy details and updated premium and make changes if required.

Step 4: Complete the payment online and download the policy document.

Non-Emergency Cashless Claim

Step 1: Inform TATA AIG about your planned hospitalisation by email or a physical letter at least 48 hours in advance.

Step 2: Wait till we send you the confirmation letter and inform the hospital.

Step 3: Upon arrival at the hospital, submit the confirmation letter and your health ID card. The hospital staff will take care of the rest.

Emergency Cashless Claim

Step 1: Within 24 hours of getting hospitalised, ensure to fill out the cashless claim form at the hospital.

Step 2: Submit the form with copies of your health insurance policy document, health ID card, identity and address proof and the cKYC form for claims above ₹1 lakh.

Step 3: Wait till we send the authorisation letter to the hospital and settle your bills.

Reimbursement Claim

Step 1: At the time of your discharge, ensure to get all relevant documents, such as a medical certificate, hospital discharge card, pathological reports, invoices and prescriptions.

Step 2: Fill out our reimbursement claim form and submit it along with the supporting documents. We will verify and process your claim and send you the compensation.

When you choose the best health insurance policy in Kochi, you will want medical insurance coverage at any place without any restrictions or inconveniences. At TATA AIG, we offer an extensive cashless hospital network of more than 12,000 hospitals and medical institutions. You can get admitted to any of these locations and get treatment without paying any cash and with minimum documentation.

With a TATA AIG health insurance policy, you can avail of cashless treatment at any network or non-network hospital in Kochi that are authorised to provide cashless treatment. However, the process becomes faster at cashless hospitals since they are already empanelled with us. To check for nearby cashless hospitals, enter your location or city name in the search bar and click on ‘Search’. You will see a list of our network providers as well as providers excluded from our network.

Cashless Everywhere!

Starting from 2024, our cashless treatment facility has expanded to include all registered hospitals under the GIC 2024 guidelines. Now, you can get admitted to any hospital in Kochi, and we will settle 100% of your admissible claim amount directly with the hospital.

Here are the rules of our Cashless Everywhere facility:

1. Planned Hospitalisation: For planned hospitalisation, inform us at least 2 days (48 hours) before you receive treatment.

2. Emergencies: For emergencies, inform us within 1 day (24 hours) of getting hospitalised.

3. Terms and Conditions: All cashless requests should abide by our policy terms and conditions.

To avail TATA AIG’s Cashless Everywhere facility, send the SMS “GetCashlessPolicy NumberCity>” to 7669300780. Our expert will call you back and guide you through the process. We have also streamlined our claim settlement process to address your initial claim within one hour and send final authorisation within three hours of your discharge request.