People need health insurance to cover medical emergencies that can be very expensive. Given our busy schedules, lifestyle diseases, rising medical costs and expenses, and the very recent COVID-19 pandemic, it is necessary to have a suitable health insurance policy.
Tata AIG’s health insurance policies are designed to provide extensive coverage against medical contingencies. You can also customise the coverage of our plans to suit your needs as well as your budget.

Honestly, there’s never a bad time to buy health insurance. Ideally, the younger you are, the better it is for you and your finances. Young individuals are able to purchase health insurance plans that offer a high sum insured for a very affordable premium. Additionally, when you’re young, it’s easy for you to get over the health insurance waiting period without having to worry about too many out-of-pocket expenses.

Health insurance and life insurance policies serve two completely different purposes. Your health insurance policy will help you take care of the cost of medical treatment. It provides you with a safety net to fall back on in case you are diagnosed with an illness or require emergency medical support after an accident. Life insurance policies, on the other hand, are typically used as an investment instrument. They provide the insured individual with a maturity benefit at the end of the policy term. The policies are long-term and usually last for 10 or more years. Additionally, these plans offer financial support to the insured individual’s family members. If something happens to the insured during the policy tenure, the nominee is provided with a payout.

Yes, at TATA AIG, we’re committed to looking after you and your needs. Our health insurance customer service executives are available round the clock. To get in touch, you can call 1 800 266 7780.

Absolutely! If you’d like to get the same cover at a lower cost, you should explore switching from an individual policy to a family floater. Or, if you’d still like to purchase an individual policy, check if you can get a longer tenure. Single-year health insurance policies cost slightly more than 2- or 3-year policies. Finally, if you do not make any claims against your medical insurance plan for a whole year, you can enjoy a cumulative bonus the following year. Essentially, you’ll get a higher cover without having to pay a higher premium!

Yes! You can enjoy the same cover no matter where you are in India. We’ve tied up with over 6,200 hospitals across the country, so you can enjoy cashless claims even when you’re out of town.

Our products – Tata AIG MediCare and Tata AIG MediCare Premier offer global cover in case of planned hospitalization abroad which is in built cover in the product. Whereas, Tata AIG MediCare Plus offers this cover on optional basis as “Global Cover” rider.

Many treatments today can be completed within just a few hours. Our health insurance plans cover more than 541 daycare procedures. This means that you can make claims against covered daycare procedures even if you do not have to be hospitalised for more than 24 hours.

If you’d like to cover multiple people under a single policy, you can opt for our family floater option.

A pre-existing illness or disease refers to any illness, health condition, injury or related issue for which you have been diagnosed or experienced symptoms and medical advice for before purchasing our health insurance policy.

We do cover pre-existing illnesses, but only after the waiting period. You can check your health insurance policy documents for the exact duration of the waiting period depending on the medical insurance policy you have purchased.

No, you cannot increase your sum insured in the middle of a policy year. Instead, you will have to wait until you renew your health insurance policy to increase your cover. Alternatively, you can opt for our health insurance super top-up plan to increase your cover at the time of renewal.

A medical check-up is only required in certain circumstances. For the most part, you will be able to purchase your health insurance policy online without worrying about any tests or visits to the doctor. If we need some more information before issuing your health insurance policy, a tele-underwriter will get in touch with you. In some instances, we may require you to do a few tests before we issue you a policy.

Generally, if you renew your health insurance policy on time every year and there’s no break in your cover, we will not require you to take a check-up every year. But, we may take a call based on your medical history and your age.

Though you can buy health insurance at any age, it is always better to get health coverage when you are young. This way, you can avail of greater insurance coverage with a high sum insured with lower premiums. Since you are less likely to carry any health risks at a young age, your premiums will be low, and you need not worry about medical emergencies during the waiting period of the policy.

Yes, you can have more than one health insurance policy, but that will mean more premium payments for you. If you purchase a health insurance plan from Tata AIG, you can customise the plan to receive comprehensive cover. Our MediCare, MediCare Premier, and MediCare Protect plans offer coverage for an extensive range of treatments and procedures and can be enhanced with additional rider options.

The coverage of your Tata AIG health insurance plan will depend on the type of policy you have bought. For example, our Critical Illness plan offers coverage for the treatment of 12 critical illnesses, while the Tata AIG MediCare Health Insurance provides coverage for a wider range of medical emergencies and offers optional benefits like the Global Cover.

Your Tata AIG health insurance policy can cover overseas treatment if you add an optional Global Cover rider to your policy. So, while your base health plan covers treatments within India, the Global Cover rider will help if you have been diagnosed with a condition or illness in India and choose to receive treatment abroad.

Your health insurance premiums will depend on the coverage of your policy. With the help of the Tata AIG health insurance calculator, you can avail of instant quotes and choose a plan whose coverage and premiums are suitable for you. And more importantly, it is always better to compare all health insurance plans so that you don’t end up paying for any coverage that you don’t receive.

You can easily calculate your health insurance premiums on the Tata AIG website using our health insurance calculator.

Pre-existing diseases are ailments, conditions, or injuries that you already have at the time of buying the health insurance policy. Your health insurance plan can cover these conditions or ailments, depending on the type of plan you choose; however, there is a waiting period before the policy can start providing coverage for these conditions.

You can increase the health insurance coverage of your policy at the time of policy renewal or while buying a new health insurance plan. Tata AIG’s Medicare Plus Super Top-up Health Insurance Plan lets you increase your policy coverage along with providing additional benefits once you have exhausted the claims on your base health plan.

Domiciliary treatment is the medical treatment you receive at home due to your inability to get to the hospital for valid reasons. Yes, Tata AIG's MediCare, MediCare Premier, and MediCare Protect plans cover domiciliary treatment expenses.

No, you can get cashless benefits only at our network hospitals across the country. However, if you choose a hospital of your choice for treatment, you can file a reimbursement claim by sending us the medical bills, your health card, and other relevant medical documents. Once we verify the information and the bills, we will reimburse you for the medical expenses incurred.

Our health insurance plans outline a few different waiting periods – the initial waiting period, the waiting period for pre-existing diseases, a waiting period for specific illnesses, and one for maternity cover. The waiting period for pre-existing diseases is between two to five years, while the waiting period for specific illnesses is generally two years. For the maternity cover, the waiting period is usually four years.

To buy our health insurance plans, you can follow a few simple steps –

• Visit the health insurance page on our official website.
• On the health insurance calculator, pick the members you want to cover under one plan. If you are looking for an individual health insurance plan, then choose “Self”.
• Then click on “Get Plan” to go to the next page.
• Fill in your date of birth, your mobile number and email address to proceed and click on “See Plan.”
• You can check the instant policy quote and purchase the plan online.
• We will also send you the quote and the policy document on WhatsApp.

To renew your Tata AIG health insurance plan, you can follow a few simple steps –

• Visit our health insurance page on the Tata AIG website.
• On the health insurance calculator, pick the members insured under the existing plan and then click on “Renew”.
• On the next page, enter your existing health policy number to renew your health insurance plan.

No, a health check-up is not mandatory for getting our online health insurance plans. However, if there is a need for a health check-up, one of our experienced tele-underwriters will get in touch with you and advise you on the same. In certain situations, you may have to undergo a medical test or two before getting the policy.

Our MediCare Super Top-up Health Insurance Plan is affordable and has additional coverage that you can add to your base health insurance policy. This plan helps restore or enhance your health insurance sum insured if you have exhausted all the claims for the policy year.

Tata AIG offers individual health insurance, family floater health plans, super top-up health insurance, critical illness plans, personal accident insurance, and coronavirus health cover.

You can file a claim on your Tata AIG health insurance policy in the following ways –

If you have received treatment at a network hospital,

• Send us an email with your cashless claim form at least 48 hours before you get hospitalised for a scheduled treatment.
• We will verify the details on the form, get in touch with the hospital, and send you a confirmation letter.
• When you are admitted to the hospital, show the authorities there your health card and the confirmation letter received from us.
• We will settle the payment with the hospital, and you need not worry about anything but your recovery.

If you have to go to a network hospital for an emergency,

• Send us your claim form within 24 hours of being hospitalised along with the required documents, including your insurance card, photo identification and address proof, a copy of your health insurance plan, and a duly filled CKYC form if the claim amount is northwards of ₹1 lakh.
• We'll send the authorisation letter after reviewing the aforementioned claim form and documents. Thereafter, we'll make the full payment of your medical bills.

If you receive treatment at a hospital of your choice that is outside our network,

• After your treatment, verify all the medical bills and make the payment to the hospital.
• Be sure that your treatment is covered under your health insurance policy.
• Send us the reimbursement claim form, along with the required documents, including but not limited to a copy of your health insurance card, the original hospital and pharmacy bills, a certificate issued by a registered Medical Practitioner, and your NEFT details.
• Once we verify the claim, we will settle the reimbursement and transfer the money to your account.

To raise any queries or concerns regarding your Tata AIG health insurance policy, you can visit our support page and contact us so that we can reach out and help you.
You can also reach out to us via phone (1800-266-7780), email, or WhatsApp (+91-9136160375).

Yes, your Tata AIG health insurance policy will cover hospitalisation expenses for COVID-19, as per the terms and conditions of your policy.

The expenses incurred due to a self-quarantine at home will not be covered; however, if the quarantine is in a hospital or has been recommended by a doctor, then the expenses will be covered by your health insurance policy.

Your Tata AIG health insurance policy will cover the OPD consultation charges and tests as prescribed by your doctor for COVID-19. If you need to be hospitalised for the infection, the hospitalisation is covered under the COVID-19 coverage for the duration, as mentioned in your policy.

Yes, a waiting period of 30 days will be applicable if you want to file a claim for a new Tata AIG policy. However, if you have renewed your existing Tata AIG health insurance policy, the waiting period is not applicable.

Yes, as of now there are three vaccines available for COVID-19 in India. While Bharat Biotech’s Covaxin and Serum Institute of India’s Covishield are two widely administered vaccines, Sputnik V is also being introduced to the country.

We have tied up with over 7,200+ network hospitals across India. When you get a covered treatment at a network hospital, you can enjoy going completely cashless!

If you’re making a cashless claim, we don’t need too many documents. But, for reimbursement claims, we would require all your medical invoices along with the claim form.