Health Insurance in Bangalore
Health Insurance in Bangalore
Bangalore or now popularly known as Bengaluru, is a city that has progressively shed the image of being purely a vacation destination and has evolved as the Silicon city of our country. While presenting high living standards, the city is also popular for career growth opportunities.
However, due to the rising pollution levels and the crowded nature of most metropolitans, health risks are on the rise as well. Thus, if you plan to shift to a metro city such as Bangalore, it will be advisable to opt for comprehensive health insurance in Bangalore.
One of the known health insurance companies in Bangalore, we at Tata AIG, provide mindfully curate plans suiting your health care needs. Generally, all the health plans cover nursing fees, hospitalization costs, domiciliary treatment, vaccinations, daycare procedures, dental treatment, and much more. Medical insurance plans in Bangalore by Tata AIG also cover inpatient treatments practised according to Ayurveda, Unani, Homeopathy, or Siddha.
We offer two plans that can suit your requirements of a comprehensive solution- Tata AIG Medicare and Tata AIG Medicare Plus. Under Tata AIG Medicare online health insurance in Bangalore, we have two subcategories: Tata AIG Medicare Premier and Tata AIG Medicare Protect. Our Tata AIG Medicare Plus is an economical top-up plan. You can read the policy wording of each in detail and understand what is best for you.
Why Should You Consider Buying Health Insurance in Bangalore with Tata AIG?
Global warming and environmental changes are some of the top reasons for securing health insurance in Bangalore. The hot weather can give rise to heat waves which can adversely impact everyone's health. Plus, because of the lifestyle choices these days, there is lack of physical exercise, consumption of junk food, long working hours, and work stress. Such unhealthy habits and practices make individuals fall sick and easily vulnerable to many chronic diseases. In such a harming situation, an ideal health insurance company in Bangalore is a god-send and acts as a protection shield.
Following are a few reasons why buying a medical insurance plan in Bangalore with Tata AIG will be beneficial:
Easy Online Process: The best part of buying a medical insurance plan in Bangalore with Tata AIG is that it is readily available online. With a quick few steps, you can be in possession of a comprehensive plan.
Tax Benefits: As regulated by Section 80D of the Income Tax Act, you will benefit from some tax benefits.
Covers Pandemics: As a health insurance company in Bangalore, we understand our customers' changing and sudden needs. We have plans that are dedicated towards solving financial problems that may arise due to pandemics like Covid-19.
Claim Settlement Ratio: As a responsible health insurance company in Bangalore, we can proudly say that our claim settlement ratio is 96.43 in the FY19-20.
Coverage Across Ages: We have numerous plans that cover people of all age groups. From senior citizens to newborns, as well as health insurance for family in Bangalore.
Copayment Option: Our health insurance in Bangalore offers flexibility. We offer the copayment option wherein you can pay a portion of the medical expenses, and we pay the remaining amount.
Cumulative Bonus: In case you do not file for a claim in the entire year, we grant a cumulative bonus during renewal by making an increase in the sum insured amount.
Network Hospitals: We have a vast network of hospitals in Bangalore where you can opt for cashless hospitalization.
What Type of Health Insurance in Bangalore Should You Buy?
At Tata AIG, we offer many health insurance plans in Bangalore. However, you should consider your requirements before you purchase any. Ranging from individual health insurance in Bangalore, Mediclaim policy for family in Bangalore to senior citizen health insurance plans- we have all.
If you are starting your career and have dependant parents, then it would be best to opt for health insurance for family in Bangalore. Otherwise, you can opt for an individual health insurance plan as well. If, however, you are planning to settle down and get married, a family health insurance in Bangalore will be essential for you. Look through all the plans and decide as per your needs.
Learn What is Covered in Health Insurance in Bangalore
At Tata AIG, we make every effort to make our health insurance in Bangalore as beneficial as possible. These are some of the useful perks of our Tata AIG Medicare health insurance plan:
Inpatient treatment: The coverage includes room rent, ICU charges, medicines, nursing charges, and other related consumables.
Pre-Hospitalization Medical Charges: The medical expenditure incurred in 30 or 60 days before the date of admission to the hospital.
Post-Hospitalization Medical Charges: The medical expenditure incurred in 60 or 90 days after the date of discharge from the hospital.
Ambulance Cover: The medical expenditure incurred on transportation using the ambulance is also covered under our health insurance plans.
Daycare Procedures: Many treatments previously required more than 24 hours of hospitalization. But now, these can be done sooner. We can cover up to 541 different daycare treatments that do not necessarily require hospitalization.
Domiciliary Treatment: The coverage includes the cost of treatment at a hospital but is actually taken while confined at home. Circumstances where this treatment is admissible includes:
- The patient's condition is such that he/ she cannot be moved to a hospital
- The treatment takes place at home on account of the non-availability of a room in the hospital.
Organ Donor Costs: Our health insurance in Bangalore covers the expenditure for harvesting the organ when an insured is the recipient.
Dental Treatment: As one of the best health insurance policy in Bangalore, we provide coverage for dental treatment in case of accidents. However, the liability covered would be as mentioned in the particular product policy wordings.
Vaccination: Our plans cover expenses related to the Human Papilloma Virus vaccine and Hepatitis B Vaccine after 2 years of continuous coverage.
Maternity Cover: Our medical insurance plans in Bangalore provide cover for maternity expenses as well. It will include pre and post-natal expenditure. You can opt for this cover along with your health insurance in Bangalore.
Ayush Cover: Our medical insurance plans in Bangalore cover inpatient treatments practised in accordance with Ayurveda, Sidha, Unani or Homeopathy.
Global Cover: Our plans cover medical expenses related to the insured's inpatient and daycare hospitalization outside the country. However, it is only applicable when the diagnosis is made in India.
Learn What is Not Covered in Health Insurance in Bangalore
At Tata AIG, we believe in transparency. Hence we would want you to know what we do not cover. These can be divided between medical and non-medical exclusion. Some of the medical exclusions under our health insurance products are:
- Cosmetic surgery or plastic surgery unless necessary as part of treatment certified by the attending medical professional. The process should be part of reconstruction following an accident, cancer, or burns.
- In the case of sanatorium treatment, rehabilitation measures, custodial care, respite care.
- Vaccination during inoculation and immunizations (except in case of post-bite treatment and other vaccines explicitly covered)
- Unproven and experimental treatments, enhanced Counter Pulsation (EECP), Chelation therapy, Hyperbaric Oxygen Therapy, External Counter Pulsation, Rotational Field Quantum Magnetic Resonance (RFQMR).
The non-medical exclusions for our health insurance in Bangalore include:
- The items of personal comfort and convenience like television, charges for access to telephone calls, internet, cosmetics, and other such services.
- Any treatment rendered by a medical professional which is outside his discipline.
- The doctor's fees charged by the medical professional sharing the same residence as the insured person or who is an immediate relative of the insured.
Kindly refer to the policy wordings for a complete list of benefits and exclusions. If you have any queries, our team will be happy to guide you through the policy document and understand it in detail.
How to File a Claim?
Generally, all the best health insurance in Bangalore provide cashless benefits. As the name suggests, you do not have to keep track of the bills and other invoices for submissions when you avail of cashless health insurance in Bangalore. All you have to do is keep the Cashless Health card ready. However, it can only be filed in a network hospital. On the other hand, health insurance companies in Bangalore like ours also provide the option of reimbursement claims. Find below the simple steps for each process:
Cashless Claim Processes:
- In case there is a set a date for a specific treatment or surgery, it will be considered planned hospitalization. You must adhere to these steps:
- Please inform us, your insurer at least five days prior to the treatment.
- Wait for the cashless claim form. We will notify the network hospital and provide you with a confirmation letter.
- On the particular day of admittance to the hospital, submit the letter and health card.
In an unexpected situation, like an accident, you may need to get hospitalized. Such circumstances are considered emergency hospitalization. You will need to follow these steps:
- Please inform us and carry some documents like an insurance card, policy copy to avail cashless services.
- The hospital will fill the cashless claim request form and submit it.
- We will then clear the bills with the hospital directly after giving the authorization letter.
- It will be wise to choose a cashless policy in Bangalore. With such an online health insurance in Bangalore, you will have ease and convenience during emergencies.
Reimbursement Claim Process
In case you opt for a non-network hospital, you will have to pay the bills at the time of hospitalization. We will reimburse you later for the medical expenditure. It will be beneficial if you followed these steps:
- Check and verify if the details that you are providing are accurate or not.
- Collect all the required documents like an insurance card, medical certificate by the doctor, hospital discharge card, bills, and receipts.
- Submit all your documents and wait for us to review them. Once the review is done, the payment will be processed.
Tips For Buying Health Insurance
Follow these tips to find the best health insurance policy in Bangalore:
Evaluate: Before you buy an online health insurance policy in Bangalore, it will be wise to calculate how much you can invest in it. With accurate financial planning, you will be able to pick the best health insurance in Bangalore that gives maximum coverage without disturbing your monthly budget.
Use the Online Health Insurance Premium Calculator: You can calculate premiums with our online health insurance premium calculator's help. In this manner, you can compare our different plans' premium and pick the most reasonable one.
Choose Maximum Coverage: Ensure to read the coverage details of our health insurance plans. From hospitalization expenditure, treatment and medical costs, and others, we offer coverage for all expenses.
Check the Network Hospitals: We have tie-ups with many network hospitals where you can avail cashless treatment. Check the hospitals located near to your residence for convenience.
Read the Policy Exclusions: The exclusions are the situations, diseases, or medical procedures excluded from health insurance coverage. You cannot file a claim for the same. Therefore, read through the exclusions to avoid chances of claim rejection.
Waiting Period: It will be wise to check the waiting period for the policy. In most health insurance policies, the waiting period is between 30-90 days. But if you are diagnosed with a pre-existing illness, it can go up to 2 to 4 years.
Eligibility: Lastly, but most importantly, you should check the age criteria for eligibility before you buy health insurance in Bangalore.
List of Cashless Network Hospitals in Bangalore
At Tata AIG, we hope to serve you with the best health insurance policy in Bangalore and facilitate the best healthcare support services. We have tie-ups with known and popular hospitals that ensure the best treatment and convenience for you. Given below is the list of our cashless network hospitals in Bangalore:
A V Hospital Address: 9, Patalamma Temple Street Basavanagudi Bangalore 560004 Dist Bangalore Karnataka
Aastha Superspeciality Eye Hospital Address: No 590, 6th Block, II Phase, BSK III Stage, Bengaluru - 560085; Dist: Bangalore
Aaxis Super Speciality Hospital Address: 3rd Main Road, Old Extension, K.R.Puram, Bangalore-36
Abhaya Hospital Address: 17, Dr. Mh Marigowda Road Opp Park Area Wilson Garden Bangalore 560027 Dist
Abhishek Nethradhama Address: Hig 2024, 3rd B Cross, Icici Bank Road, Near Sbi, Yelahanka New Town Bangalore 560064
Bangalore Baptist Hospital Address: Bellary Road Hebbal Bangalore 560024 Dist Bangalore Karnataka
BGS Global Hospitals Address: # 67, Uttarahalli Road Kengeri Bangalore 560060 Dist Bangalore Karnataka