₹25 Lakh Health Insurance

• Rising Healthcare Costs: Medical treatment costs are rising in India each year. As a result, even basic treatments and hospital visits are becoming more expensive, making it important to have adequate ₹25 lakh health insurance coverage.
• High Cost of Major Treatments: Various advanced medical procedures, such as cancer treatment and heart transplants, are very expensive. These treatments can easily cost around ₹10 to ₹20 lakh or more, making a ₹25 lakh health insurance a suitable choice.
• Expensive Hospital Stays: Hospitalisation expenses, such as doctor fees, ICU charges, and medication bills, can quickly add up, even for short hospital stays. Considering this, having a ₹25 lakh health insurance coverage is a good choice.
• Coverage Beyond Basic Plans: Lower sum insured plans, such as ₹3 lakh or ₹5 lakh, may get exhausted quickly during major treatments. This will leave you to bear the remaining expenses. However, a ₹25 lakh plan provides a wider financial cushion.
• Ensures Family Security: Medical emergencies, such as sudden illness or injury, can affect your family’s finances. A ₹25 lakh health insurance plan offers a higher sum insured, helping keep the family secure during medical crises.

• Wide Medical Coverage: Get coverage for hospitalisation expenses, pre and post-hospitalisation, day care procedures and more.
• Cashless Hospitalisation: Get cashless hospitalisation benefits in any authorised hospital in India. You do not have to worry about arranging funds for medical treatment.
• Lifelong Renewal: Renew your policy for lifetime coverage with no age limit and no risk of termination.
• Wellness Service: Benefit from wellness services like specialist teleconsultations, ambulance booking, emergency assistance and more under the ₹25 lakh health insurance cover.
• Restore Benefit: Get your health insurance sum insured restored if it is exhausted during the policy term.
• Consumables Benefit: Get covered for the consumables like syringes and surgical disposables used during treatment..
• Optional Add-ons: Customise your policy with an extensive range of health insurance add-ons.
• Global Cover: Get coverage for any planned hospitalisations abroad.
• Digital Advantage: Compare and buy health insurance online. Manage your policy and raise claims anytime, from anywhere.

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 offers health insurance coverage based on the following inclusions and exclusions. Understanding them to know what is covered and not covered is essential.

Inclusions of ₹25 Lakh Health Insurance Plan

• Pre-Hospitalisation: Covers medical expenses incurred for a specified period before hospitalisation, such as doctor consultations, tests, and medicines.
• Post Hospitalisation: Covers medical expenses incurred for a specified period after hospitalisation, such as follow-up consultations, tests, and medicines.
• In-Patient Treatment: Covers hospitalisation expenses for illness, disease, or injury during the policy period when the insured is admitted as an in-patient.
• Domiciliary treatment: Covers medical expenses for treatment taken at home when hospitalisation is required but not possible.
• Organ Donor: Covers medical and surgical expenses of the organ donor for organ removal when the insured is the recipient.
• AYUSH Benefit: Covers treatments under Ayurveda, Yoga, Unani, Siddha, and Homoeopathy taken at recognised centres.
• Second Opinion: Providesmedical second opinion for specified illnesses at a network hospital.
• Global Cover: Covers the medical expenses of the policyholder for planned medical treatment taken outside India.
• Preventive Health Check-up: Includes health check-ups after every two continuous claim-free policy years, as per the tests specified in the policy.

Exclusions of ₹25 Lakh Health Insurance Plan

• Medical expenses related to pre-existing disease during the waiting period.
• Treatments for self-inflicted injuries or attempted suicide.
• Treatment due to alcohol or substance abuse.
• Expenses related to obesity-related surgeries, unless they satisfy certain policy conditions.
• Expenses related to infertility or assisted reproduction, including IVF and similar procedures.
• Treatment for sexually transmitted diseases.
• Cosmetic or plastic surgeries unless it is medically necessary due to an accident..
• Claims arising from war or similar situations and nuclear, chemical, or radiation-related risks.

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

The ₹25 lakh health insurance policy is available for individuals and families across various age groups. Eligibility depends on the plan you choose. You can refer to your policy document for exact details. Here is a look at some of the common criteria:

• Comprehensive Coverage: Get comprehensive protection against the expensive and unforeseen emergencies such as organ transplant, cardiac treatment and more.
• Medical Inflation Protection: Higher coverage under the ₹25 lakh health insurance plan helps you handle rising medical costs without financial stress.
• Quality HealthCare: With a ₹25 lakh health insurance coverage, you can access the best hospital and advanced treatment options when required.
• Family Floater Flexibility: Our plans come with family floater flexibility. It means you can cover your entire family under a single plan with a shared sum insured.

Buying a ₹25 lakh health insurance plan with TATA AIG is easy. Just compare our plans, check prices and buy the most suitable policy. Here are the steps to buy the ₹25 lakh health insurance coverage.

• Go to the top of this page and click the “Get my Plan” button. Enter your details, such as pincode and mobile number, then complete the OTP verification.
• Enter the details of the members for whom you want to buy a plan, including their date of birth.
• Choose from the displayed plan options based on your requirements. Customise plan by clicking on “Proceed to Optional Covers” to add add-ons.
• Carefully review the plan, then proceed with payment using your preferred payment method.
• Once done, your ₹25 lakh health insurance policy document will be sent to you via email.

Filing a ₹25 lakh health insurance claim with TATA AIG is an easy process. You can either file a cashless or reimbursement claim. Here are the steps that you can follow:.

• Inform TATA AIG. You can call us at 022-6489-8282 or initiate claims online. Inform 48 hours in advance for planned treatment or within 24 hours in an emergency.
• Visit our network hospital or any authorised hospital.
• For cashless claims, show your health card and submit the claim request at the hospital. We will review it and share the approval. For reimbursement claims, proceed with the treatment.
• Get your treatment completed. For reimbursement claims, pay the hospital bills and keep the original bills and payment receipts.
• We will settle the bills directly with the hospital for cashless claims. For reimbursement claims, submit the document to us, and we will repay the expenses.

Here is the list of crucial documents to purchase the ₹25 lakh health insurance plan.

• Aadhaar card, passport, driving licence, or any valid identity proof
• Aadhaar card, passport, voter ID, or other address proof
• Birth certificate, Aadhaar card, passport, or any age proof
• Bank statements, salary slips, or income tax returns as income proof
• Previous medical records, prescriptions, and reports
• Existing or past health insurance documents, if applicable

Various factors affect the ₹25 lakh health insurance premium. These factors are:

• Age of the Insured: The premium is generally lower for young individuals due to lower health risk.
• Lifestyle habits: Sedentary lifestyle, smoking, drinking, etc., can increase health insurance premiums.
• Medical history: Any pre-existing medical conditions can lead to a higher premium.
• Sum Insured: A higher sum insured, such as ₹25 lakh, generally results in a higher premium.
• Coverage type: An individual policy generally has a lower premium than a family floater plan.
• Geographical location: The premium is usually higher in metro cities due to higher treatment costs.
• Add-on covers: Opting for optional add-ons such as maternity care, room category selection, etc., will lead to a higher premium.
• Claim history: A history of frequent claims would lead to a higher premium.

Premium paid for health insurance for ₹25 lakhs coverage is eligible for tax benefit under Section 80D of the Income Tax Act. You can claim deductions for premiums paid for yourself, spouse, dependent children and parents.

• If the insured or parents are below 60 years, the total deduction can go up to ₹25,000 per year.
• If either the insured or parents are senior citizens (60 years or above), the deduction limit increases up to ₹50,000 per year.
• In some cases, the total benefit can go up to ₹75,000 or ₹1,00,000 if both the self and parents are senior citizens.