Compare Health Insurance

Please Note: Inclusions and exclusions may differ for individuals based on their specific policy terms, selected coverage and medical history. Kindly review your policy document for detailed information.

• Individual Health Insurance

Provides an extensive sum insured of up to ₹3 Crores to cover a wide range of medical expenses exclusively for an individual. Benefit from the automatic restoration of the sum insured and lifelong renewals.

You can also customise this policy with various optional add-ons to build the best health insurance policy that suits your specific needs.

Ideal for young individuals, salaried professionals, sole breadwinners, individuals and those with a family history of critical illnesses.

Buy Individual Health Insurance

• Family Health Insurance/ Family Floater Health Insurance

Covers a family of up to 7 members and offers a sum insured of up to ₹3 Crores. You can include your spouse, dependent children, parents and parents-in-law under a single policy. Children can be covered from 15 years of age and adults up to 65 years.

Enjoy premium discounts of up to 20% for 2 members, 28% for 3 members and 32% for more than 3 members.

Ideal for newly married couples planning to start a family, young families, parents with dependent children and individuals caring for their parents and parents-in-law.

Buy Family Health Insurance

• Super Top-Up Health Insurance

Provides additional coverage once your existing sum insured is exhausted. The policy activates after your medical expenses cross a defined threshold, called the deductible, and when it is paid.
It is a smart option to extend your coverage without buying a new base policy.

Ideal for individuals with critical illnesses, those undergoing long-term treatments and families with high medical expenses.

Buy Super Top-Up Health Insurance

• Senior Citizen Health Insurance

Provides exclusive health insurance coverage customised for senior citizens. Covers critical illnesses, annual health check-ups, hospitalisation expenses, pre- and post-hospitalisation, ambulance charges and more.

You can purchase this plan for yourself, your spouse, parents, parents-in-law or even grandparents.

Ideal for retired individuals, elderly people with critical illnesses and those who need enhanced and continued healthcare support.

Buy Senior Citizen Health Insurance

• Access the Health Insurance Plans

At the top of this page, find the calculator for ‘Get Plan’ to begin

• Provide the Necessary Details

Enter the required information and click ‘Get Plan’ to continue. In the next step, provide additional details. Also, mention if you need to add another member and if the insured members have pre-existing health conditions and then click on ‘See Plan’.

• View Personalised Health Insurance Plans

A recommended list of personalised health insurance plan options will appear. Select your preferred sum insured and policy tenure to view the applicable premium.

• Compare Health Insurance Plans

Click on ‘Compare’ to view the different health insurance policies and their specific features. Use the ‘Show Differences’ option to understand the key differences.

Please Note: As you compare medical insurance plans, you can access product brochures, policy wordings, optional covers and the list of network hospitals near you. Use these details to help you choose the best health insurance plan specific to your healthcare needs.

The coverage you need for your health insurance policy depends on certain key factors, such as your age, pre-existing health conditions, prevailing healthcare costs in your region and your family’s medical history. If you are purchasing a policy for your family, these factors should be considered for each family member.

As a thumb rule, you can consider a sum insured that is at least 50% of your annual income. For example, if your annual income is ₹12 lakhs, a health insurance cover of ₹6 lakhs is a reasonable coverage.

However, medical inflation in India is currently around 12-14%, indicating a steady rise in healthcare costs every year. And the treatment costs are higher in Tier I, Tier II and Tier III cities compared to rural areas.

For an individual or a young family, a coverage of ₹10 lakhs is a good starting point. While ₹5 lakhs may be sufficient for basic needs, ₹10 lakhs offers better protection.

If you or your family members have pre-existing diseases or critical illnesses, consider opting for a higher sum insured. It can be based on expected treatment costs and daily room rent charges.
However, with increasing healthcare needs and more affordable policy options at TATA AIG, you can consider buying health insurance coverage up to ₹1 crore to ensure adequate protection.

To find the best health insurance coverage, start by comparing medical insurance plans based on the key factors listed below.

• Your Healthcare Requirements

Assess your current health condition and family medical history to understand your healthcare needs. If buying for your family, consider each member’s requirements. This will help you buy health insurance that offers the most suitable coverage.

• Sum Insured

This is the maximum amount payable under your health insurance policy. Choose a sum insured that adequately covers your medical expenses. We have discussed this in the previous section.

• Coverage

Review what is included and excluded under each policy. Coverage includes hospitalisations, pre- and post-hospitalisations, AYUSH treatment, daycare procedures and more. Choose and buy health insurance that aligns with your needs.

• Add-ons/ Riders

TATA AIG offers a wide range of optional add-ons, such as critical illness cover, inflation protection, reduced waiting periods, and more. We also offer women-centric riders for infertility treatment and maternity. Check the list of add-ons in the sections below and select a plan that offers the add-ons that you need.

• Restoration Benefit

There may be times when a medical emergency in a specific policy year may consume your sum insured significantly. By choosing a plan with the restoration benefit, you can refill or replenish your sum insured so that you can be prepared for any future medical contingencies without having to worry about the expenses.

• Waiting Period

All health insurance policies include waiting periods, especially for pre-existing conditions and critical illnesses. Compare health insurance plans for this waiting period to ensure they suit your expectations.

• Eligibility Criteria

Each plan may have specific criteria related to age and waiting periods. Ensure you check the eligibility terms and conditions to determine a health insurance policy that aligns with your profile.

• Co-payment

Co-payment is the percentage of the claim amount you agree to pay for every claim. Opting for a higher co-payment can reduce your premium. Some plans allow you to opt out of this feature, allowing you to decide based on your financial comfort.

• Lifetime Renewability

All health insurance plans come with a maximum entry age, depending on the type of policy you choose. Consider opting for a policy that offers lifetime renewability to continue your coverage without age restrictions.

• Premium

Compare health insurance premiums across the different plan options and choose the most suitable and affordable policy. You can use the calculator at the top of this page to do the online health insurance comparison with premiums.

• Simple and Easy

Compare health insurance online in a few simple steps. The platform has a user-friendly interface that doesn’t require any assistance to use.

• Access to Free Premium Quotes

Enter your healthcare requirements to view the various products available and get the premium quotes with their breakdown.

• Instant Access to Accurate Information

Compare health insurance online to get access to key policy details instantly without having to go through the lengthy policy document.

• Convenience

Compare medical insurance plans anytime, anywhere, using any smart device with internet access.

• Revise to Customise

Adjust your inputs to customise and determine the best medical insurance coverage for your specific healthcare needs.

• Get Affordable Premiums

Compare health insurance premiums to find a plan with adequate benefits that doesn’t burden you or make you compromise on other important expenses.

• Get the Best Health Insurance Plan

TATA AIG policies have benefits unique to each plan, and therefore, a health insurance comparison can help you choose a policy that syncs well with your specific healthcare requirements.

Health insurance add-ons are optional covers that offer additional coverage for specific medical expenses that may not be included under the base health insurance policy.

TATA AIG offers a diverse array of health insurance add-ons to cover various healthcare needs. Here is a quick glance at the list of optional covers available. You can refer to our Health Insurance page for more detailed information about each of them.

General Add-Ons

Women-Specific Add-Ons

Health insurance premium is calculated based on several key factors, including the following.

• Age - As health risks increase with age, the premium for a health insurance policy also rises accordingly.
• Pre-existing Conditions - Pre-existing health conditions, such as diabetes and hypertension, can lead to higher premiums due to the increased risk of complications.
• Sum Insured and Add-On Covers - The higher the sum insured and the more add-ons you choose, the higher your premium will be.
• Type of Policy - The premium is influenced by the type of policy, whether it is an individual, family floater, super top-up or senior citizen health insurance plan.
• Family Medical History - A family history of critical illnesses may increase your premium, as it indicates a higher probability of similar conditions.
• Location - Healthcare costs can vary based on your location, whether it is a town or a city. Within cities, it can vary for Tier I, Tier II and Tier III cities.
• Occupation and Lifestyle Habits - Your occupation and lifestyle habits, such as smoking or alcohol consumption, can increase your premium due to the related health risks.

Comparing health insurance plans is one of the best ways to choose the right coverage for your needs. It helps you assess key features like the sum insured, add-ons and premiums across different policies to choose the best health insurance policy.

With TATA AIG’s online calculator, you can compare medical insurance policies in just a few simple steps and strike the right balance between comprehensive coverage and affordability. Whether it is for yourself, your family, or your parents, we help you buy a health insurance plan that aligns with your healthcare priorities perfectly.

Explore, compare and make well-informed decisions for today and for the future.