Find the Right Health Insurance Plan for You

If you opt for health insurance in Gurgaon with TATA AIG, you can avail of several benefits of cashless hospitalisation. Here are the top benefits of TATA AIG medical health insurance plans

Instant Monetary Help

During a medical emergency, thinking about the bills may make you all the more worried and anxious. However, with our cashless hospitalisation benefit, you can get treated at a network hospital without worrying about paying the bills. TATA AIG health insurance Gurgaon will take care of your bills once your treatment is over.

Immediate Health Assistance During Medical Emergencies

If you do not have the required savings, treating accidental medical emergencies can be a daunting prospect. However, your finances should not be an obstacle when it comes to getting treated by the best professionals. With TATA AIG’s health insurance in Gurgaon, you can visit a network/non-network hospital for treatment, and we will take care of the rest.

Hassle-Free Documentation

With a TATA AIG health insurance policy in India, you can avoid tedious and lengthy paperwork processes when getting treated at a network hospital. You will just need to submit your health insurance policy details. And we will take away the mental burden from you for submitting extensive documents.

Quick Claim Settlement Process

With health insurance Gurgaon access to health care becomes easy. Hospitalisation and settling your bills are hassle-free. The claim settlement process at TATA AIG is quick and simple. With our cashless hospitalisation option at network as well as non-network hospitals, you get access to healthcare, and we handle the bill.

Coverage for Family Members

Family floater plans offer coverage for all your loved ones under a single premium. This ensures comprehensive protection for your spouse, children, and even dependent parents, helping you secure your family’s healthcare future.

Tax Benefits Under Section 80D

Apart from health security, a health insurance policy in India also provides tax deductions under Section 80D of the Income Tax Act. This allows policyholders to save money while ensuring complete medical protection for themselves and their families.

Protection Against Lifestyle Diseases

Gurgaon’s fast lifestyle and work pressure often lead to conditions like diabetes, hypertension, and heart issues. Medical health insurance plans offer preventive care, regular health checkups, and coverage for chronic lifestyle-related illnesses.

Individual Health Insurance

This plan covers a single person and offers personalised benefits based on age, health needs, and medical history. You can buy health insurance online and customise it as per your requirements.

Buy Individual Health Insurance

Family Floater Plan

A family floater policy covers all members under one sum insured. It is a cost-effective health insurance policy in India that ensures complete protection for your family, especially in urban areas like Gurgaon.

Buy Family Health Insurance

Critical Illness Insurance

This plan offers lump-sum coverage for severe illnesses like cancer, stroke, and heart disease. These medical health insurance plans help manage high treatment costs without draining your savings during major health events.

Buy Critical Illness Insurance

Senior Citizen Health Insurance

Designed for people above 61 years, senior citizen health insurance covers age-related illnesses, pre-existing diseases, and regular checkups. It ensures peace of mind and quality care for your elderly family members.

Buy Senior Citizen Health Insurance

Super Top-up Plans

Super top-up plans provide additional coverage once your basic policy limit is crossed. These health insurance Gurgaon plans are ideal for managing high medical bills without purchasing a costly base plan.

Buy Super Top-Up Health Insurance

Group Health Insurance

Mostly offered by employers, group insurance policies cover employees under one umbrella. These medical health insurance plans are cost-effective and ensure essential healthcare support for teams across offices in Gurgaon and beyond.

Buy Group Health Insurance

Inclusions

• Inpatient Hospitalisation – Covers costs for treatments, tests, or surgeries that require hospital admission.
• Pre- and Post-Hospitalisation – Supports expenses like doctor fees, tests, and medicines 60 days before and 90 days after admission.
• Daycare Services – Includes treatments not needing 24-hour hospitalisation like dialysis, cataract, and minor surgeries.
• Ambulance Expenses – Pays for emergency ambulance transport to ensure timely hospital access.
• Preventive Health Checkups – Offers annual tests such as ECG, RFT, and blood sugar to monitor health.
• AYUSH Benefits – Covers alternative therapies like Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homoeopathy.

Exclusions

• Pre-existing Diseases – Coverage excludes pre-existing conditions during the waiting period, including specific illnesses and maternity-related treatments.
• Self-inflicted Injuries – Expenses from attempted suicide or intentional harm are not covered.
• Cosmetic or Plastic Surgery – Not included unless required after an accident or severe injury.
• Adventure Sports Injuries – Excludes injuries from hazardous or extreme sports activities.
• Alcohol and Substance Abuse – Treatments for addiction or health issues linked to alcohol and drugs are not covered.

Please note: This is a general list of inclusions and exclusions. Please refer to the policy document for the complete list and its terms and conditions.

• Assess Coverage Needs – Choose a plan that suits your lifestyle, age, and family requirements. For elderly parents, opt for senior citizen health insurance with extensive benefits.
• Check Hospital Network – The best health insurance Gurgaon policies include a wide network of hospitals, ensuring easy and quick access to cashless treatment during emergencies.
• Compare Premiums and Benefits – Evaluate premiums, add-ons, and features before finalising. Affordable options with comprehensive coverage offer better value in the long run.
• Look for Extra Benefits – Select plans that provide preventive checkups, wellness programmes, and maternity or critical illness coverage.
• Buy Online for Convenience – Purchasing health insurance Gurgaon online allows easy comparison, instant issuance, and exclusive premium discounts.

TATA AIG always had one goal – to offer you a health insurance plan with comprehensive protection at an affordable rate. Hence, with our array of medical insurance policies online that start at ₹17/ day*, we ensure the highest protection regarding your health.

So, for all your health insurance needs, TATA AIG has your back! These are some more benefits that you can avail of with a valid health insurance plan with us:

Easy Purchase/Renewal

If you go for TATA AIG’s online medical insurance plan, you can purchase or renew your plan instantly. Moreover, our health insurance calculator will let you know about a suitable premium amount as per your policy.

Compare & Buy

With our online medical insurance premium calculator, you can compare the medical insurance plans on our website. You can then examine all the benefits, features, exclusions and premium charges of the available insurance plans, and then pick one according to your needs.

Avail Expert Advice

Our team of health insurance claim experts will guide you through the whole claim settlement process. This will ensure that you avail of the benefits of your insurance plan at the earliest. No matter what your queries are, we will always be available to answer them!

High Claim Settlement Ratio

TATA AIG’s High Claim Settlement Ratio in FY 2020-21 is proof that our team will always be there to help you out in case of any emergency. You can contact us anytime, and we will try to promptly settle your claim.

Zero Documentation

Our online purchase, renewal and claiming process is a paperless and green endeavour. We have a zero-documentation policy that helps our policyholders access a compact soft copy of their health insurance plan online. This also ensures a step in the right direction to reduce unnecessary paper waste.

No Health Checkup

When you buy medical insurance from TATA AIG, you will not have to undergo any mandatory health checkups to get the policy in hand. However, our team will reach out to you if we need any information on your medical history.

With TATA AIG, you can purchase or renew your insurance plan in just a few easy steps. Also, you can easily make an online premium payment on our website!

• Convenience - Purchase anytime, anywhere without visiting an agent or branch.
• Easy Comparison - Compare features, premiums, and benefits across multiple insurers instantly.
• Quick Policy Issuance - Fill details, pay online, and get the policy within minutes.
• Lower Premiums - Enjoy exclusive discounts and save money on direct online purchases.
• Paperless Process - Minimal paperwork and secure digital documentation.

• Visit the TATA AIG official website and select health insurance.
• Fill in age, member count, and contact details.
• Share medical history and pre-existing conditions.
• Choose your policy and add-ons.
• Pay securely online and receive the policy by email.

Documents Needed to Buy Medical Insurance Plan

• Completed application form
• ID, age, and address proof
• Passport-size photos
• Income proof
• Cancelled cheque for verification

• Go to the official TATA AIG website.
• Click on ‘Health’ under the renewal section.
• Enter your policy number and select ‘Renew’.
• Review policy details and make a payment online.
• Receive instant confirmation of your renewed policy.

Process for Cashless Claim Settlement

• Initiate the claim online or contact us via phone call.
• Inform 48 hours in advance for planned treatment or within 24 hours in emergencies.
• Share policy details and ID proof at the hospital desk.
• Submit the pre-authorisation form.
• Hospital bills are settled directly after discharge.

Process for Reimbursement Claim Settlement

• Initiate the claim online or contact us via phone call.
• Inform about your treatment at a network/non-network hospital.
• Pay all medical expenses at discharge.
• Submit the reimbursement form with bills and prescriptions.
• Reimbursement begins after document verification.

Documents Required for a Health Insurance Claim

• Attested hospitalisation bills and original payment receipts
• Signed discharge summary and filled claim form
• Medical reports, prescriptions, and pharmacy bills
• List of doctor-prescribed consumables
• Current year’s TPA ID card copy
• Doctor’s consultation bills and required TPA documents

With TATA AIG, you can easily access cashless treatment at multiple authorised hospitals across Gurgaon.

Whether it is a planned procedure or an emergency, TATA AIG's cashless claim facility ensures you receive quality medical care without worrying about upfront payments. You simply need to present your TPA ID card and complete the pre-authorisation process at the hospital insurance desk.

TATA AIG offers a cashless everywhere service, which means you can get treated at a network or non-network hospital, and claim reimbursement later. This feature is particularly helpful for people availing senior citizen health insurance, as it eases the financial burden during medical emergencies.

If you are looking for reliable health insurance in Gurgaon, TATA AIG’s seamless cashless claim process adds true value and peace of mind.