₹1 Crore Health Insurance

• Quality Healthcare: With a ₹1 crore health insurance plan in place, you do not have to think twice to take treatment at a reputed hospital. The plan lets you get quality treatment without worrying about the cost.
• Modern Treatment Coverage: Modern, advanced medical treatments, such as immunotherapy and radiation therapy, are very costly. With a ₹1 crore health insurance online, you can access modern procedures and technologies without financial stress.
• Higher Cost of Critical Illnesses: Critical illnesses like cancer treatment, cardiac procedures, etc., can easily drain your savings if you do not have a plan in place. With ₹1 crore health insurance, you will get coverage for such high treatment costs.
• Rising Medical Inflation: Medical treatment cost is rising day by day. A low sum insured may not be enough in the long run, which is why opting for higher coverage helps you stay better prepared.
• Family Security: A health emergency can affect the entire family, not just one person. With a ₹1 crore health insurance plan, you can ensure that your loved ones get the best care when they need it.

• Comprehensive Medical Coverage: Get comprehensive medical protection including pre and post-hospitalisation, day-care procedures, ambulance cover and more.
• Wide Range of Add-ons: Choose from an extensive range of health insurance add-ons to customise the policy based on your unique healthcare needs.
• Consumables Benefit: Coverage for specific consumables used during hospitalisation as part of your medical or surgical treatment.
• Global Cover for Planned Hospitalisation: Coverage for in-patient and day-care treatment taken outside India, provided the diagnosis is done in India.
• Cashless Hospitalisation: Avail cashless medical treatment with direct bill settlement by TATA AIG at network and non-network hospitals for a smooth and hassle-free experience.
• Wellness Services: Get access to teleconsultations with doctors, including diet and nutrition guidance under your health plan.

Please note: These are some of the key benefits. Kindly refer to the policy document for the complete details and detailed terms and conditions.

TATA AIG health insurance comes with various inclusions and exclusions. By understanding what is covered under the plan and what is not, you can plan your finances in a better way.

Inclusions of ₹1 Crore Medical Insurance Plan

• In-Patient Treatment: Covers the cost of hospitalisation if you are admitted for treatment due to an illness, disease, or injury during the policy period.
• Pre-Hospitalisation Expenses: Coverage for medical expenses up to 90 days before hospitalisation, including diagnostics, doctor consultations, and related costs.
• Post-Hospitalisation Expenses: Get coverage up to 90 days post-discharge, including follow-up consultations, medicines, and diagnostic tests.
• Day Care Procedures: Cover expenses for day care treatments taken at a hospital or day care centre during the policy period.
• Domiciliary Treatment: Get medical treatment at home for more than three consecutive days during the policy period, only for illness management.
• AYUSH Benefit: Covers medical expenses for in-patient or day-care treatment at AYUSH hospitals or centres.
• Ambulance Cover: Coverage for the cost of transporting the insured person in a registered ambulance during a medical emergency.
• Organ Donor: Covers medical expenses related to the organ donor during a transplant, specifically for harvesting the donated organ.

Exclusions of ₹1 Crore Medical Insurance Plan

• No coverage for the treatment related to alcohol or substance abuse.
• No coverage for IVF and infertility treatments unless specified in the policy.
• No medical coverage for cosmetic or aesthetic surgery.
• Obesity surgery is not covered unless the conditions specified in the policy are met.
• Gender change treatment and related expenses are not covered.
• Treatments, services, or supplies that are not medically proven are not covered.
• Injuries caused intentionally to oneself are not covered.
• Medical claims arising from war, war-like situations, or exposure to nuclear or radiation risks

Please note: These are some of the key inclusions and exclusions. Kindly refer to the policy wording for complete details.

The ₹1 crore health insurance plan is offered to individuals and families across various age groups, depending on the selected plan variant. For complete eligibility details, please refer to the policy document.

Below are some of the common criteria:

• Financial Security: A ₹1 crore health insurance plan offers financial protection against high medical expenses without impacting your savings.
• Family Floater Benefit: Manage everyone’s healthcare needs under one plan with a shared sum insured.
• Medical Inflation Protection: A higher sum insured keeps you financially prepared for medical emergencies without exhausting your coverage.
• Better Medical Treatment: Access quality hospitals and doctors without worrying about the costs.

Also Read: Benefits of Health Insurance

Buying a ₹1 crore health insurance plan with TATA AIG is quick and straightforward. You can explore different options, such as critical and senior citizen health insurance, and choose the one that works best for you. Here’s how you can do it:

• Step 1: Click on the “Get my Plan” button at the top of the page. Enter basic details like your pincode and mobile number, then verify with an OTP.
• Step 2: Enter details of the people you want to cover, including their date of birth, name, health details and more.
• Step 3: Review the available ₹1 crore plans and select one that best meets your needs. Add optional covers to enhance your coverage.
• Step 4: Double-check the details and complete the payment using your preferred payment method.
• Step 5: Your policy document will be sent to your email once the purchase is complete.

Filing a ₹1 crore health insurance online claim with TATA AIG is simple and can be done through either a cashless or a reimbursement option. Here’s how you can file a claim:

• Step 1: Inform TATA AIG about the hospitalisation by calling 022 6489 8282. Notify at least 48 hours before planned treatment or within 24 hours of emergency admission.
• Step 2: Visit any authorised hospital of your choice. You can visit one of our network hospitals for quicker processing.
• Step 3: For cashless claims, show your health card and submit the claim request at the hospital. We will review the request and share the approval. For reimbursement claims, proceed with the treatment at the hospital.
• Step 4: After the treatment is completed, reimbursement claim holders must pay the hospital expenses and keep the original bills, prescriptions, reports, and payment receipts.
• Step 5: For cashless claims, we settle the eligible bills directly with the hospital. For reimbursement claims, submit the required documents to receive reimbursement for approved expenses.

To get the ₹1 Crore health insurance plan, you need to submit the following list of documents:

• Proof of identity, such as an Aadhaar card, a driving licence or a passport.
• Proof of address, such as Voter ID, Aadhar card, etc
• Proof of age, such as a birth certificate, a passport, etc
• Proof of income, such as bank account statements, salary slips, etc
• Proof of existing medical illness, such as a doctor’s prescription, report, etc, if applicable
• Past health insurance documents, such as a health insurance copy, if applicable
• Any additional documents requested by the TATA AIG representative.

Various factors affect the premium for the ₹1 crore health insurance policy online. Let us discuss these factors in detail:

• Age of the insured: The premium is lower for younger individuals due to lower health risks than for older adults.
• Lifestyle habits: Unhealthy habits, such as drinking or smoking lead to higher health insurance premiums.
• Body mass index: High body mass index suggests higher health risks, leading to higher health insurance premiums.
• Medical history: Pre-existing medical conditions or a family history of a specific illness, lead to higher premiums.
• Coverage type: Compared to family floater plans, individual medical insurance plans have lower premiums.
• Sum insured: Higher sum insured, i.e., ₹1 crore, leads to high health insurance premium.
• Geographical location: A ₹1 crore health insurance premium may be higher in metro cities due to increased medical costs.
• Add-on covers: Included add-ons like room category, OPD treatment, etc., will lead to higher premium..
• Occupation: High-risk jobs such as manufacturing or construction leads to higher premiums.
• Claim history: Frequent claim history leads to higher health insurance premiums.

When you buy a ₹1 crore health insurance plan, the premium you pay can help you save on taxes under Section 80D of the Income Tax Act. You can claim this benefit for premiums paid for yourself, your spouse, your children, and even your parents.

• If everyone insured is below 60 years of age, you can claim a deduction of up to ₹25,000 in a year.
• The deduction limit goes up to ₹50,000 if you or your parents are senior citizens (60 years or above)
• In cases where both you and your parents qualify as senior citizens, the total tax benefit can go up to ₹75,000 or even ₹1,00,000.