Health Insurance in Ahmedabad

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Health Insurance in Ahmedabad

Known as the “Manchester of India,” Ahmedabad is renowned for its cotton textiles, diamond-cutting, picturesque mosques, and delicious foods. In addition to these, the city also offers quality healthcare services.

However, with the soaring cost of hospitalisation and medical expenses, these healthcare services may be difficult to afford. This highlights the importance of medical insurance in Ahmedabad. Let us see how you can find the best medical insurance in Ahmedabad.

Importance of Health Insurance in Ahmedabad

A health insurance policy has become an essential requirement for everyone. It offers financial coverage against medical expenses caused by unpredictable emergencies. In the current scenario, as medical inflation has reached soaring heights in Ahmedabad and the rest of the country, not having reliable medical insurance can significantly drain your savings.

Without a medical insurance policy with sufficient coverage in Ahmedabad, you may face any or all of these:

Quality healthcare services may be difficult to afford

You risk denting your savings

You may incur medical debt

You leave yourself and loved ones exposed to medical emergencies

In Ahmedabad, some of the major health concerns individuals face include hypertension, diabetes, obesity, heart diseases, cancer, dengue, and water-borne diseases. Securing treatment for any of these can be challenging without a health insurance policy.

Typically, because healthcare services are more expensive in metropolitan cities when compared to tier-2 and tier-3 cities, health insurance in these places also costs more. Insurance companies have divided Indian cities into three zones: A, B, and C. Insurance costs in Zone A are the highest.

As Ahmedabad is a Zone B city, the cost of insurance here is cheaper than in Zone A cities and more expensive than in Zone C cities. This classification is called zone-based health insurance.

Types of Health Insurance in Ahmedabad

Knowing about the different types of policies can help you find the best health insurance in Ahmedabad for yourself and your family. Here are the key varieties:

Individual Plans: These offer coverage against medical emergencies to a single individual. The premiums for this policy rely on age, medical history, smoking habits, etc.

Family Plans: These policies cover an entire family under a single plan and the sum assured is shared equally among all members. If you seek the best mediclaim policy for a family in Ahmedabad, check if the policy is considerate of the health concerns of every member.

Senior Citizens’ Plans: Individuals who are above the age of 60 can be covered under this policy. As older individuals are more susceptible to illnesses, the premiums for this policy are also more expensive.

Critical Illness Insurance: This plan provides additional coverage for medical emergencies such as heart attack, stroke, cancer, etc. As these ailments incur greater-than-average medical costs, critical illness insurance pays out to help cover the treatment expense.

What Do the Best Mediclaim Policies in Ahmedabad Usually Cover and Not Cover?

Inclusions are situations that are covered by your medical insurance and exclusions are those that are not. For the latter, the individual has to bear the expenses from their pocket.

Let’s see what health insurance companies in Ahmedabad generally include and exclude from policies.


In-patient hospitalisation: Hospitalisation costs if the patient is admitted for at least 24 hours. This includes in-patient expenses such as room rent, medicines, consultation, etc.

Pre- and post-hospitalisation: Coverage for pre-hospitalisation expenses (30 to 60 days) for consultation, diagnosis, medicines, etc., and post-hospitalisation expenses (60 to 90 days) for follow-up consultations, medications, physiotherapy, etc.

Daycare treatments: Coverage for daycare treatments that don't require hospitalisation for longer than a day

Annual checkups: Preventive annual health checkups such as ECG tests, blood sugar, etc.

Mental health cover: As mandated by the Insurance Regulatory and Development Authority of India (IRDAI) the best mediclaim policy in Ahmedabad will also cover mental illnesses such as bipolar disorder, depression, dementia, etc.


Pre-existing health conditions: Pre-existing health conditions, maternity costs, etc. are not covered under a health insurance policy before a predefined waiting period

Cosmetic surgery: Beautification treatments such as Botox, lip augmentations, implants, etc. are not covered

OPD: Outpatient surgeries such as dental or ENT treatments are not covered

Specific diseases: Coverage is not typically extended to certain specific conditions such as genetic disorders, Sexually Transmitted Diseases (STDs), joint disorders, etc.

Diagnostic costs: Doctor’s consultations, tests, and other procedures, are not included in the policy coverage

How to Find the Best Health Insurance Companies in Ahmedabad?

When it comes to health, we all want the best for ourselves and our loved ones. So, here are some important factors to consider if you are looking for the best medical insurance in Ahmedabad:

Coverage: Look for a health insurance policy that offers coverage against a wide range of health concerns and comes with added benefits such as hospitalisation, outpatient care, prescription medicines, etc.

Waiting Period: Typically, maternity coverage, pre-existing illnesses, etc. come with a waiting period before which you cannot raise a claim against these health concerns. Choose an insurance provider with a shorter waiting period.

Claim Process: Check if your insurance provider offers simple and easy claim settlement

Add-ons: Add-on covers can help strengthen your basic health insurance by adding an extra layer of protection. Analyse your healthcare needs to find appropriate add-on covers for an additional premium. For example, individuals with a family history or pre-existing health conditions should invest in critical illness insurance.

Why Should You Buy Health Insurance Online in Ahmedabad?

When you invest in health insurance online, you are rewarded with several benefits including:

Extensive choices: Whether you are looking for, “health insurance near me,” or coverage for specific health conditions, it is much easier to find what you are looking for online. Moreover, the internet makes it much easier to compare different policies online so you get the best health insurance in Ahmedabad

Discounted premiums: Online insurance purchase reduces the operational costs of insurers and they reward you with discounted premiums. It is also easy to check how much your insurance would cost you with the help of a health insurance premium calculator.

Online Reviews: You can check reviews of existing customers online which can help you effectively choose the best health insurance

Instant policy issuance: With online premium payment, your medical insurance policy is issued almost instantaneously

Safe Transactions: When you make premium payments through IRDAI-approved websites, you ensure genuine and safe payment gateways

Get the Best Medical Insurance in Ahmedabad! - Why Choose Tata AIG?

What is better than an inclusive plan that ensures you are not left vulnerable when facing medical emergencies? With Tata AIG, you get unique benefits that help you get more out of your insurance. These include:

Consumables cover: Expenses beyond hospitalisation with surgical and medical supplies coverage

Global coverage: Option of seeking medical treatment abroad for specific medical conditions

Maternity cover: Maternity cover (four-year waiting period) to tackle maternity expenses up to ₹50,000 per policy year and an additional ₹10,000 if the newborn is a baby girl.

Newborn cover: An additional ₹10,000 to tackle complications during delivery

OPD cover: Medical consultation and medicine costs of up to ₹5,000 can be offset (two-year waiting period)

Seamless process: With more than 650 claim experts our claim settlement process is simple

Automatic restoration: Automatic restoration of the sum assured to take care of medical emergencies. If you exhaust your coverage in a year, it gets replenished.

Cumulative bonus: Earn up to 50% cumulative bonus annually for claim-free years. Associated benefits include cashless treatments, tax benefits, and more, to meet specific healthcare requirements.

Key Features and Benefits of Tata AIG's Health Insurance Plans

Health insurance plans by Tata AIG are designed to be flexible and inclusive to offer wholesome protection of one’s health and finances. Some key features of our medical insurance plans include:

  • Policyholders have the freedom to remove the cap on hospital room rent to ensure treatment access without additional bills

  • Financial support at the time of pregnancy with reimbursement up to ₹50,000 (extendable to ₹60,000 for newborn girls)

  • Coverage for pre-hospitalisation expenses 30-60 days before admission and post-hospitalisation expenses 60-90 days after discharge

  • Coverage for pre-existing health ailments after a waiting period of two to five years

  • Cashless claims at all authorised hospitals across the country

  • Tax benefits under section 80D of the Income Tax Act, 1961

  • Coverage for the cost of ambulance

  • No Claim Bonus (NCB) for not raising a claim in one policy year

  • In addition to modern medical procedures, you get coverage for alternative treatments including Ayurveda, Yoga and Naturopathy, Unani, Siddha, or Homeopathy (AYUSH)

  • Coverage for daycare processes that take less than 24 hours

  • COVID-19 cover

The Best Health Insurance in Ahmedabad - Buying and Renewing your Tata AIG MediCare Plans

Insurance providers have made it easy for individuals to buy and renew their health insurance plans online. Let’s take a look at the process for each.

Documents Required to Buy Health Insurance

  • DUly filled and signed application form

  • Age proof (birth certificate, 10th or 12th mark sheet, Aadhar card, etc.)

  • Address proof (passport, utility bills, driver’s licence, etc.)

  • ID proof (PAN card, Aadhar card, Voter ID, etc.)

  • Medical reports

  • Passport-size photographs

  • Cancelled cheque

Steps to Buy Tata AIG Health Insurance Online

  • Visit the official Tata AIG website and select the “Health Insurance” tab

  • Select the people you wish to ensure and their respective ages

  • Provide your contact details, medical history, and pre-existing illness (if applicable)

  • Select a plan of your choice

  • Once you make the payment for the policy, your health insurance is issued in a few minutes

Steps to Renew Tata AIG Health Insurance Online

  • Visit the Tata AIG website, click on “Renew” and then select “Health”

  • Enter your contact details, policy number, and other information as prompted on the screen

  • Select the policy you wish to renew. You can even choose to enhance your policy with add-ons but this will increase your premium by a bit

  • Once you pay the premium, your policy will be renewed in an instant

How to File a Health Insurance Claim With Tata AIG In Ahmedabad?

A claim settlement process must be seamless and hassle-free so it does not add to your troubles in already distressing times. There are two types of claim settlement processes: cashless and reimbursement. Cashless claims are directly settled by the insurer by paying the hospital whereas reimbursement claims are first settled by the policyholder and reimbursed later by the insurer.

Documents Required for a Health Insurance Claim

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

Reimbursement Claim Settlement Process:

Initiate the reimbursement claim process by visiting our Claims page.

Inform us about the hospital where you will be receiving your medical treatment and the dates

After you receive your treatment, pay for the medical expenses from your pocket

Submit the reimbursement form along with all invoices, medical bills, prescriptions, and other important documents

Once the claim and the documents are verified, the process for reimbursement is initiated

Cashless Claim Settlement Process:

Initiate the cashless claim process by visiting our Claims page or notifying us over a call.

For cashless claim settlement, inform us 48 hours in advance in case of planned treatments and within 48 hours of admission for emergencies. You can either visit an empanelled hospital or a healthcare facility of your choice.

Submit the policy documents of the insured patient at the insurance desk of the hospital

Fill out the pre-authorisation form

Once your application is approved, you can receive cashless treatment at the hospital

Where Can I Claim Cashless Treatment in Ahmedabad?

Tata AIG now offers the facility of getting cashless treatment at any authorised hospital of your choice in Ahmedabad or the rest of the country. You can choose from our network/non-network hospitals and opt for a cashless claim service for your treatment.

Simply select a hospital of your choice in Ahmedabad and follow our simple and straightforward cashless claim settlement process to enjoy cashless treatment for your loved ones and yourself.

Disclaimer / TnC

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

How to find the best Mediclaim policy for a family in Ahmedabad?

How to find the best Mediclaim policy for a family in Ahmedabad?


When buying health insurance for a family, the most important thing is to check whether the policy covers the healthcare needs of every individual. You should also analyse the sum insured and find a comprehensive plan that covers a wide range of health conditions.

How to use a health insurance premium calculator?


Here’s the process to use the health insurance premium calculator: Open up the premium calculator of your insurance provider Enter your details, such as age, PIN code/location, etc. Select the number of people you would like to insure under the plan Select your desired coverage, add-ons (if any), and other requested information After entering all the requested details, click ‘Calculate’ and you will be able to see how much your policy costs

What is a No Claim Bonus (NCB)?


The NCB is a reward for every claim-free year given by the insurer to you. It is applicable at the time of policy renewal and can help the policyholder bolster their savings on medical insurance. There are two kinds of NCB: Cumulative Benefit and Discount on Premium. Cumulative benefit increases the sum assured at the same premium whereas a discount on premiums is a lower premium payable for the same sum assured.