Health Insurance in Ahmedabad

Rising Medical Costs

Healthcare expenses in Ahmedabad are increasing steadily. Health insurance helps manage these rising costs without draining your savings.

Wide Network Hospitals

Insurance providers in Ahmedabad offer large cashless hospital networks, ensuring quick access to quality treatment during emergencies.

Comprehensive Protection

Good health insurance plans in Ahmedabad cover hospitalisation, surgeries, diagnostics, and even preventive checkups complete protection.

Support for Families

Family floater plans provide coverage for all members under one policy, making healthcare affordable and convenient.

Tax Benefits

Premiums paid for health insurance qualify for deductions under Section 80D of the Income Tax Act.

Peace of Financial Security

With health insurance, you stay financially prepared to handle medical emergencies, ensuring care without stress.

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.

Buy Individual Health Insurance

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.

Buy Family Health Insurance

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.

Buy Senior Citizen Health Insurance

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.

Buy Critical Illness Insurance

Super Top-up Plans

Super top-up health insurance plans add extra coverage to your existing policy after you cross the deductible limit. These plans are affordable and offer great support during times of high medical expenses or long hospital stays.

Buy Super Top-Up Health Insurance

Group Health Insurance

Employers offer this plan to their employees. It provides basic medical coverage at a lower premium cost. This ensures healthcare benefits for the entire team, making it a useful option for workforce well-being.

Buy Group Health Insurance

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.

Inclusions

Inpatient hospitalisation

Hospitalisation costs if the patient is admitted for at least 24 hours. This includes inpatient 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 health insurance in Ahmedabad will also cover mental illnesses such as bipolar disorder, depression, dementia, etc.

Exclusions

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

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

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 health 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 during 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. The process should be quick, with minimal paperwork and 24/7 support to guide you through cashless or reimbursement claims.

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.

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.

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

Extensive choices

Whether you are looking for health insurance near you 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 immediately.

Safe Transactions

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

Steps to Buy Health Insurance Online from TATA AIG

• 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.

Documents Required to Buy Health Insurance Online

• Duly filled and signed application form.
• Age proof (birth certificate, 10th or 12th mark sheet, Aadhaar 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 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, for a marginal increase in premium.
  Once you pay the premium, your policy will be renewed in an instant.

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.

Reimbursement Claim Settlement Process

• Initiate the reimbursement claim process by visiting our claims page. Additionally, refer to our contact us page for more information.
• 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, or contact us for more details.
• 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 to 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.

Documents Required for a Health Insurance Claim

• Inpatient 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 for the doctor’s consultation.

If you hold health insurance Ahmedabad from TATA AIG, you can enjoy the Cashless Everywhere facility. This benefit lets you access cashless treatment not only at network hospitals but also at non-network hospitals across the city.

You just need to inform TATA AIG and follow the simple claim process. The bills are directly settled by us, reducing your financial stress. For details, check the TATA AIG health insurance hospital list in Ahmedabad and explore this option.