₹25 Lakhs Health Insurance Plan - Benefits, Features & More

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₹25 Lakhs Health Insurance Plan - Benefits, Features & More

The rising cost of healthcare and the increasing incidence of serious health problems have made health insurance a crucial part of our lives. This makes investing in the best health insurance a necessity.

To combat medical costs and obtain comprehensive coverage, consider purchasing a ₹25 lakh health insurance policy. It covers a wide variety of medical expenses, ensuring you do not drain your savings.

Not sure what a ₹25 lakh insurance is? Discover the benefits, eligibility, premium calculation, inclusions, exclusions, etc., of a ₹25 lakh insurance plan in this article.

₹25 lakhs Health Insurance: An Overview

A ₹25 lakhs health insurance is a plan that offers you coverage of ₹25 lakhs for expenses related to medical emergencies, such as hospitalisation, illnesses, injury and so on. ₹25 lakhs is the sum insured of your plan, which means that you can get a maximum payout of ₹25 lakhs when you make an insurance claim.

Investing in a ₹25 lakh insurance ensures comprehensive protection for you and your family against various diseases and illnesses. Thus, you don't have to incur out-of-pocket expenses and drain your savings.

Additionally, health insurance for ₹25 lakhs offers many other benefits, as listed below.

Advantages of Health Insurance for ₹25 Lakhs

Coverage for Critical Illnesses

Critical illnesses, such as heart disease, stroke, organ failure, etc., involve a high cost of treatment, which can disrupt your finances. However, when you buy health insurance of ₹25 lakhs, you get coverage for serious illnesses, saving you from huge financial stress.

For example, TATA AIG’s Criti MediCare plan, with a sum insured of ₹25 lakh, offers coverage for critical illnesses, including cancer, helping you deal with serious illnesses appropriately.

Financial Assistance During Emergencies

When you buy health insurance for ₹25 lakhs, it provides you with the necessary financial assistance when a medical emergency arises. You get coverage for various expenses, including hospitalisation, medicines, surgery, etc., preventing out-of-pocket expenses.

Protection for Yourself and Family

TATA AIG’s ₹25 lakh health insurance provides coverage for you and your family members too. You can opt for individual or family floater plans based on your requirements. Therefore, you can secure yourself, your spouse, your children, your parents, etc., with a comprehensive health insurance plan, ensuring safety during medical emergencies.

Offers Comprehensive Coverage

You can avail of a comprehensive coverage with health insurance of ₹25 lakhs, which covers hospitalisation charges, surgery costs, pre-and post-hospitalisation expenses, consultation, medicines and much more.

Accessibility to Top Medical Facilities

With the best health insurance plan, you can access the best-in-class medical facilities when a medical need arises. Since the insurance offers coverage for various expenses, you need not worry about the expenses and compromise on the quality of the treatment.

Tax Benefit

The premium for ₹25 lakh health insurance is a deductible expenditure, which you can claim under the Income Tax Act. So, the amount that you spend towards the premium of health insurance helps you to reduce the tax liability. You can claim a deduction of ₹25,000 (₹50,000 for senior citizens) for the insurance premium.

Who Needs Health Insurance for ₹25 lakhs?

Individuals with Dependents Those with Pre-Existing Diseases
₹25 lakh health insurance plans offer sufficient coverage for a family of 3-4 members. An individual can opt for ₹25 lakhs sum insured to cover their spouse, children, etc. Individuals with pre-existing diseases require the extensive coverage provided by ₹25 lakh insurance. It helps to meet the costs associated with managing diseases, such as diabetes, pulmonary diseases, etc.
Senior Citizens Individuals Living in Metro Cities
Elderly citizens are at a higher risk of developing health complications that may require extensive treatments and care. Thus, a ₹25 lakh health cover can offer them comprehensive coverage for managing their health. The cost of medical facilities in metro cities, such as Mumbai, Delhi, Bengaluru, etc., tends to be higher. Having an insurance coverage of ₹25 lakhs can help to meet the cost of medical treatments in Tier I & II cities.

₹25 lakhs Health Insurance by TATA AIG

TATA AIG offers various health insurance plans with ₹25 lakh coverage based on your medical requirements and other factors.

TATA AIG Best Health Insurance Plan Features & Benefits
TATA AIG Medicare Premier
  • Minimum entry age -91 days

  • Policy terms- 1/2/3 years

  • Global cover for treatment outside India

  • AYUSH Benefit

  • OPD dental treatment

  • High-end diagnostics, up to ₹25,0000 per year

  • Accidental death benefit

  • Premium discounts

  • Pre-hospitalisation expenses covered up to 60 days

  • Post-hospitalisation expenses covered up to 90 days

  • Health check-up benefits, up to 1% of the sum insured, maximum ₹10,000

  • Vaccination cover

  • Wellness Services like tele consultation, diet program, ambulance booking facility, etc.

TATA AIG Medicare Select
  • Reinstatement of base sum insured (multiple times)

  • Optional covers, such as consumables benefit, maternity care, early access, OPD cover and more

  • Domiciliary treatments

  • AYUSH Benefit

  • Ambulance cover, up to sum insured

  • Single private room for inpatient treatment

  • Individual, multi-individual and family floater options

  • TATA AIG Criti MediCare
  • Multi-individual policy and discount options

  • Covers up to 50 or 100 critical illnesses

  • Preventive health check-up coverage

  • Second medical opinion

  • Home care treatment covered

  • Includes psychiatric counselling

  • Pre- and post-hospitalisation coverage

  • Ambulance cover

  • Cash benefit, as per the policy

  • Lifelong renewability benefit

  • TATA AIG ElderCare
  • Eligibility- 61 years onwards

  • Individual and family floater options available

  • Life-long renewability option

  • Post-operative care benefits at home (physiotherapy, nursing, home assessment)

  • High-end diagnostics cover

  • Home care treatment benefits (dialysis, chemotherapy, etc.)

  • AYUSH benefits

  • Road ambulance cover

  • Annual preventive health consultation

  • ₹25 Lakh Health Insurance Premium Calculation

    Calculating the insurance premium for your ₹25 lakh insurance gives you an estimate of the cost that you will have to incur. Today, many online financial tools are available, such as the ₹25 lakh health insurance premium calculator, which allows you to find out the cost of your insurance plan.

    Using the calculator is simple and free of cost. The calculator estimates your premium amount based on the information that you provide, such as your age, medical history, location, lifestyle habits, etc.

    Once you know the premium, you can plan your finances to accommodate the premium charges into your expenditure smoothly.

    Eligibility Criteria for ₹25 lakhs Health Insurance

    Working Professionals Self- Employed Individuals
    TATA AIG’s ₹25 lakh health plans cater to the health requirements of corporate employees and working professionals, providing them with financial assistance during medical emergencies. We also provide insurance options for self-employed and business owners, allowing them to get the best medical assistance without straining their finances.
    Families Young Individuals
    Our family floater options support families during medical emergencies. You can add your spouse, children, parents and parents-in-law to the insurance plans and gain multiple benefits under a single policy. We offer health insurance coverage for individuals of all ages, beginning at 91 days old. The minimum and maximum entry ages may vary across different plans.
    Senior Citizens Those with Pre-Existing Diseases
    Senior citizens above 61 years are also eligible to buy our ₹25 lakh insurance plan to secure their health in the golden age. We also offer disease-specific coverage to those with pre-existing medical conditions, such as diabetes, heart disease, etc. The coverage begins0020once the waiting period for the disease is over.

    How to Buy ₹25 lakhs Health Insurance?

    Here are a few simple steps to buy TATA AIG’s ₹25 lakh health insurance:

    1. Visit the TATA AIG website. Navigate to the “Health” section and select who you want to insure. Click on “Get Plan.”
    2. On the next page, provide the necessary personal details and click on “See Plan.” Next, choose the plan that you want to purchase, such as Medicare Select, Medicare Premier, ElderCare, etc.
    3. At the bottom of the page, click on “Proceed to Optional Covers”. You can include add-ons that match your requirements.
    4. Next, pay the ₹25 lakh health insurance premium using one of the methods listed.
    5. Once the payment is complete, we will send the policy to your email address.

    Note: TATA AIG’s health insurance plans may offer a 30-day free look period. Read the policy documents or enquire with the customer support team about the free-look period.

    Documents Required to Buy Health Insurance for ₹25 Lakhs

    When you purchase health insurance for ₹25 lakhs, here are some documents that you must submit for a smooth purchase process.

    1.Identity Documents -Submit one of the basic identity documents, such as an Aadhaar card, a PAN card, a passport,a driving licence, etc.

    2.Address Proof - Provide proof of your residential address, such as utility bills, Aadhar card, passport, etc.

    3.Medical Records -You may also have to provide medical records if you have any pre-existing diseases or medical history.

    4.Age Proof - Submit an age proof document, such as a birth certificate, Aadhar card, or passport.

    5.Income Statement - You must submit your income proof in the form of bank statements, salary slips, income tax return slips, etc.

    Note: You may contact the customer support team to find out the exact documents required to buy ₹25 lakh health insurance from TATA AIG.

    Inclusions of ₹25 Lakhs health Insurance

    All of TATA AIG’s health insurance plans for ₹25 lakhs cover inpatient/hospitalisation expenses. So, if you get admitted to the hospital as an inpatient for more than 24 hours, all the costs incurred for the treatment will be covered under the insurance plan, such as room rent, surgery costs, etc.

    Pre-and Post-Hospitalisation Charges

    We also cover the pre-and post-hospitalisation charges incurred in connection with the treatment. Pre-hospitalisation charges incurred up to 60 days prior are covered. It may include diagnostic tests, doctor consultations, x-rays, etc.

    Under the post-hospitalisation charges, our plans cover expenses such as doctor follow-up charges, physiotherapy, medications, etc. You can get coverage of post-hospitalisation expenses up to 90 days after discharge.

    Ambulance Cover

    Our plans also include the emergency ambulance service charges incurred to transport the insured to the hospital. Under the ambulance cover, you get compensation for the road ambulance charges up to the sum insured.

    Domiciliary Treatment Cost

    You also get coverage for domiciliary treatment charges with most of our insurance plans. Domiciliary treatment is provided at home if the insured is not able to travel to the hospital due to their,,, medical condition, old age, etc. Thus, all the treatment that would otherwise happen at the hospital is provided at home and the charges are covered under our ₹25 lakh insurance.

    AYUSH Benefit

    Alternative treatments have become increasingly popular, as they are regarded as safe and highly beneficial. Thus, our best health insurance plan covers the cost of alternative treatments, such as Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homoeopathy.

    Day Care Treatments

    Some medical conditions may not require hospitalisation for more than 24 hours. At times, you may only need hospitalisation for a few hours to get certain treatments, such as cataract surgery, dialysis, chemotherapy, etc. The cost of day care procedures is also included under our insurance plans.

    Exclusions of ₹25 lakhs Health Insurance

    Self-Inflicted Injury

    Any medical emergency arising due to self-inflicted injury or self-harm, such as a suicide attempt, injuring oneself with a knife, etc., will not be covered.

    Substance Abuse

    Any medical charges incurred towards treatment of alcoholism, drug or substance abuse, etc., are not included.

    Pre-Existing Diseases

    All the pre-existing diseases have a waiting period before they can be included in the policy coverage. During the waiting period, any medical expenses for pre-existing diseases are not covered. As per the IRDAI guidelines, the waiting period for pre-existing diseases is 3 years.

    Cosmetic or Plastic Surgeries

    Cosmetic procedures or plastic surgeries carried out for enhancing the looks or for beautification purposes are not included.

    Non-Medical Expenses

    Non-medical expenses, such as transportation charges, treatment by medical practitioners outside their discipline, etc., are outside the scope of our standard health insurance plans.

    War, Invasions, Etc.

    Our standard insurance plans also exclude any treatments required due to injuries arising out of war, invasions, riots, etc.

    How to Pick The Best Health Insurance Plan of ₹25 Lakhs

    Comparison is the Key

    Comparing the insurance plans offered by various insurers helps you to know the distinct features of each plan, their premium, coverage, add-ons, etc. In this manner, you can select the best health insurance plan with maximum benefits that suit your requirements.

    Insurer Reputation

    When you buy health insurance, assess the insurer's reputation by reading their online reviews, researching their claim settlement ratio, customer experiences and so on. It is wise to choose an insurer with high credibility in the industry, so that you can receive timely assistance during emergencies.

    Claim Settlement History

    The claim settlement history is an indicator of the insurer's ability to pay claims. It is wise to choose insurers who have a positive or high claim settlement history. It ensures that your claims will be paid out when you raise them.

    Premium Vs Coverage

    An insurance plan that offers comprehensive coverage at an affordable premium is the right kind of investment to make. At times, you may also consider choosing plans that charge a slightly higher premium for added coverage, ensuring you get the required assistance during emergencies.

    Customer Assistance

    Insurers that pay utmost attention to customer service and support are the ones that are worth considering. An insurer who is dedicated to offering 24/7 customer service and assistance ensures easy claim settlement and solves customer queries quickly.

    Summary

    TATA AIG’s ₹25 lakh health insurance plans ensure you get maximum coverage against medical emergencies. A high sum insured gives you peace of mind and ensures that you and your loved ones get the appropriate coverage to handle even expensive medical treatments and hospitalisation.

    Our best health insurance policy caters to the diverse needs of customers, ranging from young individuals to older adults, critically ill patients, and more. Based on your health needs, you can select a plan that suits your budget and medical condition, providing comprehensive coverage.

    Combining medical security and financial assistance prepares you to navigate health emergencies smoothly and creates a safety net that supports you financially as well.

    Get your mediclaim policy for ₹25 lakhs today and secure yourself against uncertain medical expenses of the future.

    Disclaimer / TnC

    Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

    Frequently Asked Questions

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