Health Insurance in Aligarh

Not planning for contingencies can leave you vulnerable in the face of emergencies. To prevent this from happening, it is important to find the best health insurance in Aligarh for yourself and your loved ones.

Here is why a medical insurance policy is an essential requirement in Aligarh:

Increase in lifestyle-related diseases: Owing to a sedentary lifestyle, unhealthy eating habits, and increased levels of stress, conditions such as diabetes, obesity, and heart diseases have become common among younger individuals. Without medical insurance in India, seeking treatment for these conditions can significantly dent your savings.

Medical inflation: As medical technology improves, the cost of accommodating and incorporating these is often passed on to the patients. Buying a health insurance plan will help you manage these inflating costs.

Access to quality healthcare services: When diagnosed with an illness, the patient would ideally like to seek the best treatment. To access the best healthcare services it is important to invest in the best Mediclaim policy in Aligarh.

Family protection: When you buy the best Mediclaim policy for a family in Aligarh you can secure yourself and your loved ones under a single policy. So, whether it is aged parents or your children, you can secure their health under a single medical insurance.

Extensive coverage: Acknowledging the diverse healthcare needs of every individual, health insurance companies in Aligarh offer coverage against a wide range of medical illnesses.

This includes hospitalisation, doctor's consultation, medications, diagnostic tests, surgeries, and post-hospitalisation care so patients can receive the best medical treatment without worrying about the bills.

To help you find the best medical insurance in Aligarh, you must be aware of the different kinds of policies offered by insurance providers. This can help you make an informed decision regarding your insurance purchase. Here are the different types of medical insurance policies:

Health Insurance for Individuals: Individual medical insurance in India will compensate for the medical expenses of a single individual. This includes expenses incurred for hospitalisation, consultation, surgery, etc. The premium for an individual plan depends on the age, health, chosen add-ons, etc.

Health Insurance for a Family: A family floater plan can secure the health of your entire family under a single policy. To find the best Mediclaim policy for a family in Aligarh you must consider the healthcare requirements of every member and buy a policy accordingly.

Health Insurance for Senior Citizens: Individuals who are above the age of 65 can invest in health insurance for senior citizens. This plan is specifically curated to meet the healthcare needs of senior individuals. As they are more vulnerable to illnesses, the premiums for this policy tend to be higher.

Critical Illness Insurance: If the policyholder is diagnosed with a critical illness such as cancer, paralysis, heart stroke, etc., this policy provides a lump sum amount to pay for the treatment costs.

Let us explore the common inclusions and exclusions for medical insurance in India:

Health Insurance Inclusions:

• Hospitalisation expenses including room rent, doctor consultations, ICU charges, surgery expenses, etc.

• Pre- and post-hospitalisation expenses

• Ambulance charges

• Daycare procedures such as cataract surgery, angiography, septoplasty, etc.

• Annual health check-ups for preventive healthcare.

• Alternative treatments such as Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH) are covered under your health insurance plan.

Health Insurance Exclusions:

• Injuries incurred from participating in adventure sports or other illegal activities.

• Self-inflicted injuries as well as suicide attempts.

• Cosmetic surgeries, dental treatments, or weight-loss surgeries.

• Treatments for venereal or sexually transmitted diseases (STDs).

Here are some tips to help you find the best health insurance in Aligarh:

Choose Appropriate Sum Insured: Ideally, insurance seekers are advised to seek cover that is a minimum of six times their salary. Do not unnecessarily get a higher sum insured as it can increase the cost of your premiums.

Read the Fine Print: Medical insurance policies typically come with certain limits and sub-limits. When investing in a policy, carefully read the policy documents to analyse coverage for per treatment or hospitalisation.

Look for Additional Benefits: Look for added benefits such as cumulative bonus, no claim bonus, and other added benefits for the best health insurance

Look for High Claim Settlement Ratio (CSR): CSR is the percentage of claims paid out by the insurer against the number of outstanding claims during a financial year. As a thumb rule, the higher the claim settlement ratio, the more reliable the insurance provider.

In addition to convenience, here are a few reasons why you should consider buying health insurance online:

Access to information: To buy the best health insurance, it is important to research and carefully analyse the policy details. Online policy purchase makes it more convenient to go through the policy structure, features, exclusions, etc., and make an informed decision.

Competitive premiums: The cost of premiums for your online health insurance plans is relatively lower than when you may purchase the same plan offline because you save the operational cost of the insurance company.

Lesser paperwork: The paperwork for online insurance purchases is typically lesser and it is much easier to upload documents online

Instant policy issuance: Once you complete the process of purchase, which involves payment for the policy after submitting all the details, your policy is issued almost instantaneously. You can then download it, and take a printout, if necessary.

Tata AIG’s health insurance plans are designed to safeguard one’s health and protect their finances so they can focus on their recovery during medical contingencies instead of worrying about medical bills. Here’s what makes us special:

Consumables cover: Under this cover, in addition to the hospitalisation costs, the cost of surgical and medical consumables or equipment that is billed to the patient, will also be covered under the policy

Worldwide cover: With this cover, the patient can seek treatment for their health condition anywhere in the world

Newborn cover: Under this rider, if your newborn has to seek treatment owing to delivery complications, a coverage of up to ₹10,000 is provided to take care of the treatment costs

OPD cover: Acknowledging that the cost of medical consultations and medications can build up over the years, this cover enables you to get coverage of up to ₹5,000 annually after a waiting period of two consecutive years

Hassle-free claim settlement: We ensure a worry-free claim settlement process with more than 650 experts to guide you through the process

Automatic restoration: This coverage automatically restores your sum insured in case you have exhausted this amount in one policy year

Cumulative bonus: For every claim-free year, your Tata AIG health insurance policy offers a cumulative bonus between 10-50%. This improves your sum insured without increasing health insurance premiums.

Some additional benefits of Tata AIG’s medical insurance plans include:

No sub-limit on hospital room rent: You can choose the upper ceiling on your hospitalisation expense so long as it is within the sum insured amount.

No co-pay: You can remove the room rent limit from your insurance to get the best room to receive treatment in without worrying about out-of-pocket expenses.

Pre- and post-hospitalisation cover: Compensation for pre-hospitalisation expenses incurred before admission and post-hospitalisation expenses generated after being discharged.

Cover for pre-existing health conditions: Coverage for pre-existing illnesses after a waiting period of two to five years.

Cashless claim: For easier cashless claims, insurance holders could visit any of Tata AIG’s authorised hospitals.

Ambulance cover: The cost of the ambulance will be covered by the policy.

No claim bonus (NCB): If you don’t raise a single claim during a policy year, you are eligible for an NCB so you can enjoy higher coverage for the same cost.

AYUSH cover: Alternative medical treatments under Ayurveda, Yoga and Naturopathy, Unani, Siddha, or Homeopathy (AYUSH) are also covered under health insurance.

COVID-19 cover: Considering the severity of the havoc induced by the pandemic, your insurance will cover the cost of seeking treatment against COVID-19.

With the advent of the internet, it has become much easier to purchase and renew medical insurance. Here is the process for the same:

Process for Buying Tata AIG’s Health Insurance in Aligarh

• Visit the medical insurance policy page of Tata AIG

• In the next step, you can choose the individuals you wish to purchase insurance for - self, spouse, children, or parents, and click on “Get Plan”

• Provide your birth date, email address, mobile number, and other important details

• When you click on “See Plan” policy details along with premium and coverage amount will be provided on the screen

• Pay for the policy online using your preferred mode of digital payment and the policy will be issued to you

Process for Renewing Tata AIG’s Health Insurance in Aligarh

• Visit the official Tata AIG portal and click on the “Renewal” link

• Enter the policy number before clicking on the “Renew” button

• In the next step, you can add riders and add-ons to strengthen your coverage and accommodate more healthcare needs. Then, press Enter.

• You will arrive at the payment page for health insurance renewal

• Once you have paid successfully, your health insurance plan will be renewed

• Before raising a claim ensure that you keep the following documents handy:

• Duly filled and signed claim settlement form

• A copy of the medical insurance policy

• Original bills - hospitals, pharmacies, diagnostic labs, etc.

• Investigation reports

• Pathological reports

• Discharge summary

• Medical certificate with the doctor’s signature

• Bank details

Process for Reimbursement Claim Settlement

• Visit the official Tata AIG portal and head to the “Claims” section

• Enter your registered mobile number

• Fill out the claim settlement form and upload the relevant documents

• Save the acknowledgement number to be able to track the claim

• It generally takes about 21 days to process your claim. Meanwhile, the Tata AIG team will notify you of the progress and contact you for any queries.

Process for Cashless Claim Settlement

• Visit the official Tata AIG portal and head to the “Claims” section to inform about the treatment

• Fill out the pre-authorisation form that can be procured from the hospital’s insurance desk and submit it to the claim settlement team at Tata AIG

• If any queries are raised respond to them immediately

• Once your claim is verified, you will receive an approval letter

• Alternatively, you can also send a “GoCashless” SMS to 7669300780 to consult an expert and receive a cashless facility at any hospital in Aligarh.

From the 25th of January, 2024, the Insurance Regulatory and Development Authority of India (IRDAI) initiated the “Cashless Everywhere” facility that enables 100% cashless treatment across all authorised Indian hospitals. This facility allows policyholders in Ajmer to seek medical treatment without having to pay for it as the bill is settled directly between the insurer and the hospital.

However, to avail of the cashless service, the following conditions must be met:

• Inform the insurance company at least 48 hours before admission for planned procedures

• For emergency procedures, inform the insurer within 48 hours of admission

• The claim should be admissible as per the policy terms and operating guidelines of the insurer