Secure Health Insurance at ₹17 Per Day!*
Protect Your Health From Unexpected Medical Expenses and Emergencies
Health Insurance
Health insurance, also referred to as medical insurance, is a financial tool that helps you pay for your planned & emergency medical expenses. You receive financial coverage for medical expenses like hospitalisation costs, day care treatments, outpatient (OPD) treatment, pre and post-hospitalisation, ambulance charges, etc. It also covers medical treatment costs for critical illnesses, injuries, pregnancy, surgeries, medication and preventative care.
Medical insurance is a necessity today, given the rising cost of healthcare in India. It offers financial security in times of uncertainty and allows access to the best medical care.
What is Health Insurance?
A health insurance policy is a legal document that acts as a financial cover for medical expenses/bills incurred in case of hospitalisation or other medically necessary treatment. The best health insurance plans offer comprehensive coverage, which includes emergency medical expenses, day care treatments, surgeries, injuries, pre and post-hospitalisation, outpatient (OPD) treatment, ambulance charges, etc., reducing the need to pay the huge medical costs out of pocket.
Medical insurance plans are useful since they reduce the financial burden you face for unexpected medical situations like emergency hospitalisations or accidental injuries, with the cashless treatment facility at hospitals. Health insurance plans in India will also cover AYUSH treatments and pandemics like COVID-19.
To incentivise more people to buy health insurance, the Indian government offers tax savings under Section 80D of the Income Tax, 1961. You can claim a deduction of ₹25,000, ₹50,000, ₹75,000 or ₹1 lakh against your yearly health insurance premium amount paid to your insurer under the old tax regime.
Health Insurance at a Glance
| Features | Details |
|---|---|
Sum Insured | Options from ₹5 lakhs to ₹3 Crores |
Network of Hospitals | 12,000 |
Hospitalisation Expenses | Covered |
ICU Charges | Covered |
Pre-and Post-Hospitalisation Expenses | Covered |
Coverage for Pre-Existing Diseases | Available upon completion of the waiting period |
Coverage for Daycare Procedures | Available |
AYUSH Treatment | Covered |
Ambulance Expenses | Covered |
Global Cover for Planned Hospitalisation | Available |
Lifelong Renewability | Available |
OPD Cover | Available |
Maternity Cover | Available |
Preventive Health Checkups | Covered |
Automatic Restoration | Available |
Cumulative Bonus | Available |
Online Claim Processes | Available |
Tax Benefits | Available |
24/7 Customer Support | Available |
Get 100% Cashless Treatment at Any Hospital of Your Choice
Tata AIG offers 100% cashless treatment at any hospital of your choice anywhere within India.
With the GIC's 2024 ‘Cashless Everywhere’ announcement, the cashless facility is no longer restricted to our network hospitals. You can get admitted to any nearby hospital and claim cashless treatment under your TATA AIG health insurance plan, where we settle 100% of your admissible claim amount directly with the hospital.
Moreover, this process is streamlined so that your cashless claims are addressed within an hour of receiving your initial request. You will also receive the final authorisation within 3 hours of us receiving your discharge request from the hospital.
Here is how our health insurance cashless everywhere facility works:
- For planned hospitalisations, you must inform us at least 48 hours before treatment.
- For emergencies, we should be informed within 24 hours of hospitalisation.
- The cashless claim request should align with our policy terms and conditions.
To avail of TATA AIG Cashless Everywhere via SMS:
- Send “GetCashless
Policy Number City” to 7669300780 - Our Claims Expert will call you back
- We will evaluate the hospital acceptance and request
- We will process your cashless health claim request
Why Do You Need a Health Insurance Policy?
Chronic Disease Management
Non-communicable diseases like cancer, heart disease, diabetes, asthma, etc., account for nearly 71% of all fatalities. Your health insurance policy can help pay for long-term treatment since these costs can quickly add up.
Rising Medical Costs
Healthcare costs have increased drastically over the years, making it harder for people to access healthcare. A health insurance plan can help pay for your medical costs, including diagnostic costs before hospitalisation, prescription medication and follow-up consultations.
Financial Security
A health insurance plan can help shield your savings by paying for your treatment costs. This way, your hard-earned savings stay safe, and you get the medical care you need without having to worry about its financial implications.
Comprehensive Health Coverage
TATA AIG’s health insurance plans cover the medical costs for a wide range of illnesses from illnesses like COVID-19, cancer and kidney failure to preventative care costs like annual health check-ups, vaccinations and wellness programs. This ensures comprehensive protection for your health and well-being.
For Peace of Mind
Not having to second-guess the need for medical care can be a huge relief, especially during emergencies. A health insurance policy acts as a safety net, so you don’t have to worry about going into debt over an unexpected medical emergency. This lets you focus on recovery while your policy takes care of the medical costs.
Types of TATA AIG Health Insurance Plans
Individual Health Insurance
Perfect for younger individuals or sole earners with a sum insured of up to ₹3 Crores* with lifelong renewability. Individual health insurance plans cover pre and post-hospitalisation, day-care procedures, high-end diagnostics, and they offer global coverage for planned hospitalisation overseas*. You can also cover your spouse and children with separate sums insured under the same policy.
Family Health Insurance
A family health insurance plan allows you to cover up to 7 family members* under a single health insurance plan with coverage up to ₹3 Crores*. These can be more affordable and easier to manage than buying a separate plan for each family member. You also get a Family Floater Discount (Upto to 32%), along with an additional discounts for long-term plan options*.
Super Top-Up Health Insurance
A super top-up health insurance plan can be used to add more coverage to your existing health insurance policy. This cover activates when your base plan coverage is depleted during a claim and covers the remaining medical cost. It’s a lot cheaper than buying a new medical insurance policy when you need a higher coverage amount.
Critical Illness Health Insurance
A critical illness health insurance plan offers coverage for more severe illnesses like cancer, heart disease, stroke, kidney failure, paralysis, etc. It covers up to 100 critical illnesses* and offers additional benefits like lifelong renewal and discounts for long term policies. You can also extend the coverage to your family members under this plan.
Senior Citizen Health Insurance
A senior citizen health insurance plan offers specialised coverage for age-related health conditions that affect those over 61 years. Under this plan, you get coverage up to 25 lakhs*, Preventive health check-ups, home physiotherapy, home assessment and modifications for elderly care/disability and wellness services, along with lifelong renewability.
Personal Accident Insurance Policy
In the unfortunate event of an accident resulting in permanent disability or loss of life, the TATA AIG Personal Accident Insurance Policy, TATA AIG Medicare can provide invaluable support to you and your family. This plan ensures financial assistance to you or your beneficiary (in the event of death), offering stability and relief during such challenging times.
Arogya Sanjeevani Policy
The Arogya Sanjeevani Policy is a basic health insurance policy that offers coverage for hospitalisation and other medical expenses at an affordable premium. You get up to ₹10 lakhs* medical coverage with lifelong renewal and the option to include your family members.
*Stated rates and plan coverage are subject to the specific policy’s terms and conditions.
Key Features of Standard TATA AIG Health Insurance Plans
| Features | Tata AIG Health Insurance Benefits |
|---|---|
Affordable Premium | Our health insurance plans start at affordable premium |
Sum Insured | Wide range of Sum Insured options of upto ₹3 Crores |
Discounts | Extensive discounts based on the policy tenure (up to 10%) and the number of members included in family floater plans (up to 32%) |
Network of Hospitals | Over 12,000 hospitals across India |
Hospitalisation Expenses | For the treatment of any medical condition covered in the policy |
Pre-and Post-Hospitalisation Expenses | For the treatment before admission and after discharge |
Coverage for Daycare Procedures | For more than 540 daycare procedures |
AYUSH | Coverage for Ayurveda, Yoga, Unani, Siddha or Homeopathy |
Online Claim Processes | Quick and hassle-free online claim processes |
Worldwide Cover | For an overseas treatment and also for the ailment diagnosed in India and treated overseas |
Wide range of Additional Covers | Maternity Cover, OPD Cover, Consumables Cover and more |
Automatic Restoration | Automatic refilling or restoration of the sum insured |
Cumulative Bonus | Bonus between 5-50% of Sum Insured every year |
Preventive Health Checkup | Annual Preventive health check-ups at our network |
Tax Benefits | Tax deduction up to ₹1 lakh on health insurance premiums under Section 80D |
Customer Support | 24/7 customer assistance |
Compare our Best TATA AIG Health Insurance Plans at a Glance
| Features | TATA AIG MediCare | TATA AIG MediCare LITE | TATA AIG MediCare Premier | TATA AIG MediCare Plus (Super Top Up) | TATA AIG Elder Care |
|---|---|---|---|---|---|
Hospitalisation Expenses | ✓ | ✓ | ✓ | ✓ | ✓ |
Pre and Post-Hospitalisation Expenses | ✓ | ✓ | ✓ | ✓ | ✓ |
AYUSH Treatment | ✓ | ✓ | ✓ | ✓ | ✓ |
Daycare Procedures | ✓ | ✓ | ✓ | ✓ | ✓ |
Ambulance Services | ✓ | ✓ | ✓ | ✓ | ✓ |
Restoration Benefit | ✓ | ✓ | ✓ | X | X |
Cumulative Bonus | ✓ | ✓ | ✓ | ✓ | ✓ |
Maternity Cover | X | X | ✓ | X | X |
Consumables Benefit | ✓ | X | ✓ | ✓ | ✓ |
Domiciliary Treatment | ✓ | ✓ | ✓ | ✓ | X |
Global Cover | ✓ | X | ✓ | ✓ | X |
What Our Customers Are Saying
Very good. keep growing .Best of luck tata group and company's.
This website is amazing. Neat and clutter free...What a delightful user experience...loved it...Kudos to the Tata AIG team and the website developer too!
Their customer service executives really helped me with the requirements for claim filing and were very patient with me.
Very nice, big 👌 thumps up to entire who ever involved to build this platform.
Very easy
Thank you TATA AIG. this process is very easy. we don't need any agent for this. this is Time Saving for us.
Benefits of Health Insurance Plans
Coverage for Hospitalisation Expenses
Health insurance covers hospitalisation expenses, such as room rent (including ICU charges), doctor’s fees, medications, nursing fees and more.
Coverage for Pre- and Post-Hospitalisation Expenses
A health insurance policy also covers the medical expenses incurred before the hospitalisation and after the discharge from hospital.
Coverage for Critical Illnesses
By purchasing certain health insurance policy, you can cover critical illnesses, such as cancer, cardiovascular diseases, kidney failure and more.
Extensive Coverage at an Affordable Premium
You can purchase a TATA AIG Medical Insurance policy with extensive coverage to cover high medical expenses at an affordable premium.
Cashless Hospitalisation
We can settle your medical bills directly at the hospital to help you receive the essential treatment without the hassle of upfront payments.
Coverage for Different Types of Treatments
Health insurance plans also cover the different types of medical treatments, such as AYUSH and also the expenses incurred towards daycare procedures.
Add-on Covers for Flexible Coverage
You can customise and enhance your health insurance policy by including additional coverage options such as maternity cover, OPD cover, consumables cover and more.
Preventive Health Checkups
With our TATA AIG health insurance plans, you can also cover the expenses incurred towards preventive health checkups.
Tax-Saving Benefit
You can claim up to ₹1 lakh under Section 80D for the premiums paid towards health insurance plans purchased for yourself, including family and parents.
- Coverages are subject to the specific policy’s terms and conditions.
Factors To Consider While Buying Health Insurance
Scope of Coverage
Know the scope of coverage, including the range of minor and major illnesses covered and features, such as the hospitalisation, pre-and post-hospitalisation, critical illness insurance benefits and more.
Sum Insured
Determine the sum insured based on your healthcare requirements and the cost of medical treatments in your locality. Choose extensive coverage such as ₹50 lakhs or ₹1 crore for higher coverage if you are at risk of developing a critical illness.
Waiting Periods
Waiting periods refer to the duration you must wait after purchasing a policy before you can file a claim for specific benefits or treatments. For instance, it applies to treatments for pre-existing illnesses, maternity cover etc.
Optional Add-on Coverage Benefits
Determine the range of add-on/rider coverage benefits offered to enhance the medical insurance plans based on your specific needs, such as the OPD cover, maternity cover, etc.
Eligibility Criteria
Determine the age eligibility criteria, lifelong renewability and specific conditions applicable to the health insurance policy. Read through the policy document thoroughly to understand the inclusions, exclusions and specific terms and conditions.
Cashless Hospitalisation and Network of Hospitals
Although cashless hospitalisation is now available across all hospitals in India it is much easier in the network of hospitals. Therefore, explore the network of empanelled hospitals and online health insurance processes for smooth claim settlements.
Room Rent Sub Limit
Explore health insurance plans with no or minimal sub limits to ensure maximum benefits during hospitalisation.
Claim Settlement Ratio
Determine the reliability of the insurer by reviewing their claim settlement ratio. A higher claim settlement ratio, such as over 90% indicates a greater possibility of your claims being approved.
Eligibility Criteria for a TATA AIG Medical Insurance Policy
| Eligibility Criteria | Specifications | Details |
|---|---|---|
Age | Dependent Children | Upto 25 years |
Age | Adults | 18 years and above |
Waiting Period | Initial after Policy Purchase | 30 days |
Waiting Period | Pre-existing Diseases | Upto 3 years |
Waiting Period | Specific Diseases | 2 years, but can vary depending on the specific policy conditions and health insurance requirements |
How to Buy a Health Insurance Plan?
Step 1:
Visit the official TATA AIG website and click on ‘Personal’ → ’Health Insurance’.
Step 2:
Choose the member or select the number of members and click on “Get Plan”.
Step 3:
Provide the required information, such as date of birth, mobile number, email address and pincode and click on “See Plan”.
Step 4:
Review the different health insurance plans available, read the different policy documents and choose a suitable policy.
Step 5:
Enter the required information, such as the sum insured and policy tenure required.
Step 6:
View the Premium Breakup and pay the applicable premium online to buy your medical insurance policy.
Documents Required to Buy Health Insurance:
- Proof of Identity - Aadhaar Card, Passport, Driver’s Licence, etc.
- Proof of Address - Aadhaar Card, Passport, Voter ID, etc.
- Proof of Age - Birth Certificate, Aadhaar Card, Passport, etc.
- Proof of Income - Bank Statements, Salary Pay Slips, Income Tax Return forms, etc.
- Medical Documents - Previous Medical Records, Prescriptions, etc.
- Previous Health Insurance Documents, if applicable
How to Renew Health Insurance Online?
Step 1:
Visit our official TATA AIG website.
Step 2
Under the “Renewal” tab, click on “Health” for TATA AIG health insurance renewal.
Step 3
Enter your Policy Number and click on “Renew”.
Step 4
Review your existing policy and make the necessary changes.
Step 5
Pay the applicable premium online to renew your health insurance policy with TATA AIG
How to Get a Physical Copy of your Medical Insurance Plans?
Step 1
Visit our official TATA AIG website and click on “My Policy”, which is present at the top right-hand corner.
Step 2
Click on “Download Policy”.
Step 3
Provide the required details and continue to download your health insurance policy.
Step 4
The health insurance policy document will be saved as a PDF file on your laptop or computer.
Step 5
Proceed to print it and get a physical copy.
Inclusions/Exclusions of TATA AIG Health Insurance Plans
TATA AIG Medical Insurance Coverage Inclusions*
Hospitalisation Expenses: The hospitalisation expenses related to the treatment of medical condition or injury are covered as specified under the policy conditions.
Pre- and post-hospitalisation Expenses: TATA AIG medical insurance coverage provides for pre- and post-hospitalisation expenses for specified number of days as mentioned in the policy.
AYUSH Cover: TATA AIG health insurance plans cover the expenses related to treatments under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy.
COVID-19 Treatment: COVID-19 medical treatment expenses are covered for insured patients.
Daycare Procedures: Minor treatments requiring less than 24 hours of hospitalisation, such as tonsil removal and cataract removal, are covered.
Global Cover for Planned Hospitalisation – Covers inpatient and daycare treatment abroad if diagnosed in India. Claims are reimbursed, with cashless available case-by-case. Visa service fees are covered for sum insured of ₹7550 lakhs and above.
Ambulance Expenses: The cost of hiring ambulance services for transportation of insured patient to a hospital or from one hospital to another hospital for better medical facilities and treatments are covered under TATA AIG medical insurance coverage.
Pre-Existing Illnesses: The expenses related to pre-existing illnesses are covered after the mentioned waiting period.
Domiciliary Hospitalisation: Our insurance plan covers the cost of receiving medical treatment at their home, under certain conditions.
Preventive Health Check-up Expenses: Some health insurance plans cover preventive health check-up expenses.
Infertility Treatment Expenses: Infertility treatment expenses, like IVF, etc., are covered under the EmpowerHer rider*.
*TATA AIG EmpowerHer UIN: TATHLIA25036V012425).
Please refer to the policy wording and brochure for further reading.Out-patient Treatment - Dental: Expenses related to in-person consultations with Dental Specialist and dental treatments/procedures are included under our OPD Care rider*.
*OPD Care UIN:TATHLIA25035V012425
Please refer to the policy wording and brochure for further reading.HIV AIDS Treatment Expenses: Treatment expenses for HIV/AIDS are covered by medical insurance coverage under our Model Policy for HIV/AIDS and Persons with Disability*.
*TATA AIG Model Policy for Persons with Disabilities and HIV/AIDS, Tata AIG UIN: TATHLIP23190V012223
Please refer to the policy wording and brochure for further reading.
TATA AIG Medical Insurance Coverage Exclusions*
- Self-inflicted Injuries: Attempted self-inflicted injuries treatment, including suicide, are not covered by health insurance plans.
- Cosmetic Surgery Expenses: Cosmetic surgeries are not covered under health insurance coverage unless required due to any accident.
- Illness or injuries Resulting from Nuclear Perils: Health insurance does not cover illnesses or injuries caused by nuclear perils or attacks.
*Coverages and exclusions are subject to the specific policy’s terms and conditions.
Health Insurance Covers*/Add-ons/Riders
Critical Illness Cover
This cover offers a lump sum payout when the policyholder is first diagnosed with a covered critical illness like cancer, stroke, heart failure, etc. The policyholder can use the lump sum payout to get treated at any medical facility of their choice.
Preventive Annual Health Check-Up
You are covered for a comprehensive medical check-up each year under this cover. This benefit includes a range of medical tests designed to assess your overall health and catch any potential issues early.
Accident Cover
Under this cover, you or your family/policy nominee receive compensation in case of an accidental death (policyholder) or partial or total disability caused by an accident. You can buy this coverage either as an add-on to your existing policy or as a standalone policy.
Day Care Procedures
Offers coverage for day care procedures that do not require an overnight hospital stay or hospitalisation. It covers procedures like cataract surgery, dialysis, routine check-ups, etc.
Domestic Second Opinion Rider
Get a second opinion on your initial diagnosis or treatment from a network provider, empanelled service provider, or medical practitioner in India. The second opinion will be sent directly to you through various modes of communication, like audio, video, online portals or digital applications.
International Second Opinion
Get a second opinion on your initial diagnosis or treatment from a network provider, empanelled service provider, or medical practitioner located outside of India. The second opinion can be for covered illnesses like cancer, kidney failure, etc., and will be sent directly to you through various modes of communication, like audio, video, online portals or digital applications.
Emergency Assistance Services
Get access to emergency assistance services like ambulance service, first aid service and more arranged by an empanelled service provider. This cover kicks in in the event of injury due to an accident during the policy period.
Inflation Protect
Receive additional increases to your sum insured based on current inflation rates when you renew your health insurance plan. The inflation rate will be applied to your base sum insured of the expiring policy. If this cover is not renewed before the base policy expires, all the carried forward and accrued inflation protection amounts will lapse.
Why Should I Buy Health Insurance Online?
Instant Procedure
Buying a health insurance policy is quick and easy. You can easily check policy features and get policy quotes in a few simple steps. Simply visit the health insurance page online and provide the requested details.
Easy Comparison
Online policy buying procedure makes it easy to compare multiple policies at once. This way, you can check the sum insured, policy features, add-ons and premiums of various insurance providers before buying the best one.
Ask the Experts
Connect with TATA AIG insurance experts for any queries related to insurance wordings, features or add-ons. Moreover, our claim experts are available instantly for assistance during the settlement procedure.
No Health Check-up Required
Another benefit of buying health insurance online is that you do not have to have any health check-ups. If TATA AIG requires any additional health-related information, our tele-underwriters will contact you before you buy the policy.
Paperless Procedure
You can buy health insurance online without any paperwork. All the policy procedures will be completed online, and the documents will be digital. Soft copies of insurance policy papers will be sent via email so that you can download and review them anytime and anywhere.
Why Should I Purchase Health Insurance When I’m Young?
Lower Premium Rates: Age is considered a crucial factor when calculating health insurance quotes. Thus, the younger you are, the lower your premium rates will be and vice versa.
No Health Check-ups: Young people have fewer health risks, so policy agents do not require them to have medical check-ups before they buy health insurance plans.
No Claim Bonus: Buying health insurance plans at a younger age increases your chances of receiving a non-claim bonus, which can enhance your sum insured in later years.
No Co-Payment: Young health insurance plan buyers do not have to share their medical bills, as the co-payment option is not available for them.
Get Continuous Health Insurance Cover: Buying health insurance plans at a young age helps you get continuous health coverage with renewals. This way, you can avoid the waiting period for pre-existing and specific diseases.
Which Factors Affect Health Insurance Premium?
Age - Health insurance premiums tend to increase with age, as older individuals are more susceptible to health issues.
Gender - Premium may also vary based on gender, as some health conditions are more prevalent in men.
Type of Policy - The premium varies significantly depending on the health insurance policy you choose and its features.
Policy Tenure - The premium may also vary depending on the duration you have chosen for your health insurance policy.
Sum Insured - The premium for your health insurance policy also increases with the extent of the sum insured.
Number of Insured Members - For a family health insurance policy, the premium increases with the number of members covered.
Health Condition - Your overall health condition, along with pre-existing illnesses, can significantly impact the medical insurance premium.
Family Medical History - A history of hereditary illnesses in your family can raise the health insurance premium due to increased health risks.
Popular Misconceptions About Medical Insurance
Common Health Insurance Myths
Online health insurance is not reliable. - Purchasing online health insurance is secure and transparent, eliminates biased intermediaries and avoids unnecessary additional payments.
Health insurance can be claimed only for hospitalisation. - Medical insurance can be claimed for a wide range of medical expenses, including hospitalisation, pre-and post-hospitalisation, daycare procedures, AYUSH treatment and more.
Pre-existing diseases are not covered in health insurance. - Treatments for pre-existing diseases are covered in health insurance after the specific waiting period.
Health insurance can cover all medical expenses. - Health insurance plans have specific inclusions and exclusions that vary based on the policy type.
Reasons Why People Avoid Buying a Medical Insurance Policy
Health insurance offered by employers is sufficient - Employer’s health insurance may not be sufficient to cover all your medical expenses and specific requirements.
Health insurance is not required as I am young and healthy - The risk of developing complex diseases is becoming increasingly common among young individuals due to stress and lifestyle habits.
The higher sum insured offered in health insurance may not be necessary - The cost of medical treatments has always been on the rising trend. Health insurance can cover a wide range of medical expenses.
Not aware of the benefits of health insurance in financial planning - Paying health insurance premiums can help you save on tax, avoid breaking your savings and cover various healthcare costs.
What is the Waiting Period in a Medical Insurance Policy?
Typically, there are three types of waiting periods in health insurance. Here are the categories of waiting periods in a TATA AIG health insurance plan.
Initial Waiting Period
During the initial waiting period of your health insurance plan, you cannot file any claims other than those arising out of accidental injuries. The initial waiting period for TATA AIG health insurance plans is 30 days.
Waiting Period For Pre-existing Illnesses
The coverage for various pre-existing illnesses in a health insurance plan does not usually get activated immediately upon the purchase of the said plan. The waiting period for the treatment of pre-existing illnesses is 3 years.
Waiting Period For Specific Diseases
The treatment for certain specified diseases will also be excluded until the expiry of the waiting period applicable to the medical insurance policy. The waiting period is generally 2 years and can vary based on the specific health insurance policy and its terms and conditions.
Waiting Period For Maternity Cover
The waiting period for maternity coverage in a health insurance plan is usually four years. Therefore, it is prudent to buy a health insurance plan well in advance of your plans to start a family.
How To Pick The Best Health Insurance in India?
Look for Adequate Sum Insured
A health insurance plan must serve your requirement otherwise, you only end up wasting money. If you have a plan whose coverage barely covers the losses, it is time to review your policy and choose an adequate sum insured.
Compare Health Insurance Plans
Buying an expensive policy means the premiums will be quite costly. Instead, always look for an affordable health insurance policy, and you should be able to find your pick. You can also use our health insurance premium calculator to make an informed decision.
Good Network of Hospitals
A wide network of hospitals means you can visit your insurer’s network hospital, no matter where you are and get access to seamless cashless hospitalisation. Our network of 12,000+ hospitals all over India means you need not worry about making any hospital bill payments.
Reliable Brand
It is important that your insurer is reputed and has a good claim settlement ratio. This figure indicates that your insurance provider will honor your health insurance claims in case such a situation arises.
Check the Waiting Periods
Depending on the health insurance plan you choose, look for the waiting period. The waiting period for pre-existing diseases is 2-3 years, and there is also an initial waiting period of one month when you cannot file any claim other than an accidental claim.
No Sub-Limits
Try to opt for the best health insurance policy that does not include sub-limits for room rent. With this benefit, you should be able to avail of better accommodation if you are hospitalised.
Steps to Use TATA AIG Health Insurance Premium Calculator
By now, we’re sure you’ve understood the importance of getting a good health insurance policy for yourself and your family members. But how do you understand if you’re paying the right premium?
Check our Health Insurance Premium Calculator and follow these simple steps to compare and determine the most affordable health insurance plan.
Also Read: GST on Health Insurance
Choose Who You Want to Include in the Coverage
The first step to computing your health insurance premium is to provide us with information about how many people you want health insurance coverage for. If you are opting for individual health insurance, select the icon for Self.
On the other hand, if you want to include your spouse, parents and/or children in the health insurance plan, select the relevant icons and click on Proceed or Next.
Submit the Necessary Personal Particulars
Secondly, you must enter the required personal information, including your mobile number and date of birth. This information needs to be submitted for every person you want to include in the health insurance plan.
Choose A Health Insurance Plan
The next, and perhaps the most critical step, in the process is the selection of a suitable health insurance plan. This entails choosing the sum insured, plan tenure and the required add-ons.
You can enhance the coverage of the selected plan by adding riders such as high-end diagnostics, emergency air ambulance, and the cost of consumables. Remember that any such selection shall have a bearing on your health insurance premium.
Answer Some of Our Basic Queries
In the next step of the process, you shall be required to answer some basic questions about your health condition and lifestyle habits. We request you to be as honest as possible while responding to these questions
Get Your Health Insurance Quote
The last step is entering your name and email address and your health insurance quote shall be on the screen and in your WhatsApp inbox.
How To Reduce Health Insurance Premium?
Paying a high health insurance premium can become a nightmare if your expenses go out of control. Sometimes, it is the health insurance plan and the coverage that increase your premium payments, and at other times, it could be a potential health risk that is responsible. Either way, it is essential to have affordable health insurance to ensure you can manage ongoing expenses while your policy continues to protect you and your family! Hence, here are some tips to ensure low-premium health insurance:
Buy your health policy early
As you may know, your age plays an important role in determining your premium amount. And so if you wait till you get older before buying health insurance, your premiums will also increase. Therefore, purchase a health policy soon and enjoy paying lower premiums.
Manage your health insurance plan
Choose the optimum sum insured that matches your health insurance needs perfectly. Consider the health conditions, family medical history, nature of medical expenses, medical inflation and quality of health care necessary for your family. Based on that, choose the right sum insured. Use a health insurance calculator to get the right premium.
Compare health insurance plans
Always compare all your options before you purchase your health policy. Buying the first health plan means you have not explored your options and can lose out on a chance to pay an affordable medical insurance premium. Hence, always compare health insurance to get the cheapest health insurance that suits your medical needs.
Choose the cover wisely
It is always better to first understand your health insurance needs before buying a policy. Suppose you have dependent family members, then an individual health insurance plan is not only impractical but also more expensive than a family floater health insurance plan.
Go for Top Ups
Top-up plans like the TATA AIG Medicare Plus Super Top Up Health Insurance help you boost your insurance coverage so that you can always be prepared for medical emergencies without breaking the bank and keep your health insurance coverage and health insurance premium in check.
How to File a Health Insurance Claim?
If you’ve received treatment at a network hospital or non-network hospital, you can enjoy quick and easy cashless claims by following these steps for non-emergency hospitalisations:
Step 1 - Inform Us: Email us your cashless claim form at least 48 hours before your scheduled treatment at the hospital. You can also send us a letter intimating this information.
Step 2 - Wait For Our Confirmation Letter: Upon the receipt and verification of the aforementioned form, we shall send you a confirmation letter and intimate the hospital about the claim.
Step 3 - Submit The Letter at the Hospital: On your arrival at the hospital, you must submit your health card, and the confirmation letter received from TATA AIG.
That's it! There are no more steps. You just rest and recuperate, and we'll take care of the bills.
Note:
Turnaround time:
Cashless Pre-authorisation | 1 Hour
Final Authorisation for Discharge | 3 Hours
How to File a Health Insurance Claim?
Steps for Cashless Health Insurance - Non-Emergency Scenarios
If you’ve received treatment at a network hospital or non-network hospital, you can enjoy quick and easy cashless claims by following these steps for non-emergency hospitalisations:
Step 1 - Inform Us: Email us your cashless claim form at least 48 hours before your scheduled treatment at the hospital. You can also send us a letter intimating this information.
Step 2 - Wait For Our Confirmation Letter: Upon the receipt and verification of the aforementioned form, we shall send you a confirmation letter and intimate the hospital about the claim.
Step 3 - Submit The Letter at the Hospital: On your arrival at the hospital, you must submit your health card, and the confirmation letter received from TATA AIG.
That's it! There are no more steps. You just rest and recuperate, and we'll take care of the bills.
Note:
Turnaround time:
Cashless Pre-authorisation | 1 Hour
Final Authorisation for Discharge | 3 Hours
Steps for Cashless Health Insurance - Emergency Scenarios
In case you have to visit the hospital for emergency treatment, the claims process is slightly different:
Here is what you need to do if you have found yourself at one of our network or non-network hospitals during an emergency and require unscheduled medical treatment.
Step 1 - Submit The Claim Form At the Hospital: Send us your cashless claim form no later than 24 hours after being hospitalised so that we may generate the Claim Intimation/ Reference Number. Here are the documents that need to be submitted to utilise the cashless claims benefit:
A copy of your health insurance policy;
Your insurance card;
Your photo identification proof;
Your proof of address;
Duly filled CKYC form in case the claim amount exceeds ₹1 lakh.
Step 2 - Await Our Authorisation Letter: Once we receive your cashless claim from the concerned hospital, we shall issue an authorisation letter to the hospital and settle the bills with them. All you need to do then is focus on your recovery.
Note:
Turnaround time:
Cashless Pre-authorisation: 1 Hour
Final Authorisation for Discharge: 3 Hours
Steps for Health Insurance Reimbursement - Emergency Scenarios
If you opt for health insurance reimbursement, you have to pay the medical bills and then later file a reimbursement claims with us by following the steps mentioned below.
Step 1 - Fill And Submit The Reimbursement Claim Form: Submit the duly filled reimbursement form to us along with the following documents.
- A copy of your health insurance plan or insurance card;
- A Medical Certificate signed by a registered doctor;
- The relevant pathological reports;
- A copy of the hospital discharge card;
- The original hospital bills and receipts;
- The original pharmacy bills;
- The investigation report, if applicable;
- A copy of the First Information Report in case of an accidental claim;
- Your NEFT details for the settlement of the claim;
- Duly filled CKYC form if the amount of the claim is above ₹1 lakh.
Step 2 - Await claim settlement: Once we receive your requirement claim form and the required documents, we shall verify them then process the claim and award the reimbursement to you.
Note: The claim will be settled within 15 working days upon receipt of all necessary documents.
Documents Required for Health Insurance Claim
Medical emergencies come unannounced, and the only economical way of dealing with them is with medical insurance plans. However, such emergencies can only be covered if you file a claim or choose at the right time. And for that, you should have all of your documents in place so that we can help you with a seamless claim settlement. In health insurance plans, the documents needed for filing a claim are,
In-patient hospitalisation bills attested by the insured under the medical insurance.
The discharge card signed by the authority at the hospital/network hospital.
Claim form containing the insured’s signature.
A valid medical investigation report.
The medical store receipts and the doctor’s prescription.
List of hospital consumables prescribed by the doctor with all details.
The present year’s copy of the third-party administrator’s (TPA) ID card.
Copies of the health insurance policy from the previous year.
Any other document as required by TPA.
Bills and receipts of doctor’s consultation.
Frequently Asked Questions
What is the need for health insurance cover?
When is the best time to buy health insurance?
What is the difference between health insurance and life insurance?
Does TATA AIG offer 24x7customer support?
Is there any way to get a discount on my premium?
Is the health insurance policy valid across the country?
Will I be covered outside the country?
Can I make a claim if I am hospitalised for less than 24 hours?
Can I cover my family under a single policy?
What is a pre-existing illness?
Are pre-existing illnesses covered under my TATA AIG health insurance policy?
Can I increase my sum insured in the middle of a policy year?
Is a medical check-up necessary to purchase health insurance?
Will I have to undergo a medical check-up every year?
Why should one buy health insurance at a young age?
Can I have more than one health insurance policy?
What does my Tata AIG health insurance cover?
Can my health insurance cover my overseas treatment?
Will my health insurance premiums be expensive?
How do I calculate my health insurance premiums?
What are pre-existing diseases? Can my health insurance cover pre-existing diseases?
When can I increase my health coverage during the policy year?
What is the domiciliary treatment? Do Tata AIG health insurance plans offer this feature?
Can I get cashless benefits in a non-network hospital?
What are the waiting periods in Tata AIG health insurance plans?
How to buy Tata AIG’s health insurance plan online?
What is the process to renew my health insurance plan online?
Is a health check-up compulsory for getting a health insurance plan?
What is Tata AIG’s MediCare Super Top-up Plan?
What types of health insurance plans does Tata AIG have?
How do I file a claim on my health insurance policy?
How do I get my health insurance concerns and queries resolved?
Will my existing health insurance policy cover hospitalisation expenses for COVID-19?
Will the policy cover expenses due to quarantine?
Are the consultations with a medical practitioner and diagnostic tests in relation to COVID-19 covered under my health insurance policy?
Are any waiting periods applicable to claims under COVID-19?
Which is the best insurance policy that covers COVID-19 treatment?
Is there any vaccine for COVID-19?
Does TATA AIG offer cashless claims?
What documents do I need to provide while making a health insurance claim?
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