Health Insurance in Bangalore

Health insurance plans have become a necessity in today's time. Opting for adequate medical insurance for yourself and your family not only safeguards your savings but also gives you peace of mind. The funds that you send on high medical costs can be utilised for achieving other long-term financial goals.

Let us look at some of the reasons that make health insurance a priority, especially if you are living in Bangalore.

• Lifestyle illnesses are increasingly diagnosing people in Bangalore

• Poor air quality has raised the instance of lung and respiratory ailments

• Extreme traffic and poor road conditions have increased the number of accident occurrences

• Stressful working conditions and lifestyle choices have made mental health problems like depression a common issue.

• Although Bangalore is known for its high-quality healthcare services, medical inflation too is on the rise.

• Apart from buying health insurance, it is equally important to look out for the best medical insurance in Bangalore that offers comprehensive coverage at an affordable cost.

When you start exploring the health insurance segment and look out for ‘health insurance near me’, you may come across different types of medical insurance policies. To ensure you pick the right individual or the best mediclaim policy for your family in Bangalore, we shall discuss some of Tata AIG’s most preferred health insurance plans in Chennai.

Individual Health Insurance

As the name suggests, individual health plans are those that an individual buys. These plans can be customised based on your requirements and budget. Typically, these plans are purchased by single individuals who do not have dependents.

You can choose between our range of MediCare Plans - Tata AIG MediCare, MediCare Protect and MediCare Premier. All these plans offer different coverages, including daycare procedures, domiciliary treatment, ambulance cover, AYUSH benefits and more.

Health Insurance Plan Insurance for Family

Individual plans are great for those who do not have to support a family. However, if you are planning to buy a health insurance plan for your family, it would be wise to opt for a family floater policy. A family health insurance plan can provide comprehensive coverage at affordable premiums.

Our MediCare Premier Plan offers maternity cover, delivery complications cover, home care treatment coverage, first-year vaccination coverage for newborns, and more.

Senior citizen health insurance plan

It is a misconception that senior citizens cannot get comprehensive health insurance plans. Individuals over 60 can opt for Tata AIG’s senior citizen health insurance plan for enhanced coverage at reasonable premiums.

Our MediCare Protect Plan provides coverage for pre- and post-hospitalisation and consumables benefits, as well as health check-ups and AYUSH benefits.

Critical illness health insurance plan

Even if you choose the best medical insurance in Bangalore, there are chances that a few critical illnesses may still not be a part of your coverage.With high treatment costs of critical illnesses like cancer, paralysis or cardiac arrest along with the possibility of loss of income (in case of earning members being diagnosed), the importance of critical illness insurance can be denied.

Understanding the inclusions and exclusions of a health insurance policy is extremely crucial as this may lower the chances of your claims getting rejected. Although, inclusions and exclusions are specific to a plan, we list down some of the standard ones in Tata AIG’s individual health insurance policy.

Medical Insurance Inclusions

• Pre and Post-Hospitalisation

• Consumable benefits

• COVID-19 Treatment

• Ambulance Costs

• Day Care Procedures

• Organ Donor Expenses

• Domiciliary Hospitalisation

• Preventive Health Check-up

Medical Insurance Exclusions

• Pre-existing conditions

• Pregnancy and Associated Conditions

• Infertility treatment

• Cosmetic surgery

• Alternative therapies

• Vision, Hearing, and Dental-related expenses

• Obesity treatment

• HIV AIDS

• Abuse of drugs or alcohol

• Self-inflicted injuries

• Illness or injuries as a result of nuclear perils

• Take a quick glance at coverages under our MediCare Plans.

• We highly recommend that you read the terms and conditions along with the inclusions and exclusions of a policy before buying.

When selecting a medical insurance plan, you must consider various factors, including the insurance provider. Here are a few tips to find the best health insurance company in Bangalore.

• Look at the types of plans offered.

• Evaluate the coverage. Ensure the features and benefits offered are as per your requirements.

• Check their Claim Settlement Ratio

• Consider the ease of purchase, renewal and claim settlement processes

• Evaluate the kind of customer support and assistance offered (multi-channel presence must be preferred)

• Compare their plans for cost-effectiveness.

• Remember that most insurance companies in the market may offer the majority of the required services. However, shortlist the one that offers coverage according to your needs, is affordable, and is highly trusted.

The insurance sector was among the frontrunners to embrace digitisation and online processes. The transition from offline to online has been so seamless and impactful that many prospective and existing policyholders now prefer buying health insurance in Bangalore through an online mode.

Online health insurance helps you compare, buy, and renew policies easily and in a hassle-free manner.

It is less time-consuming.

You can save on premiums as some of the best health insurance companies in Bangalore offer incredible discounts.

You can buy medical insurance from anywhere at any time.

With numerous insurance providers offering several types of insurance plans, choosing the best medical insurance in Bangalore can be daunting. To make your decision-making easier, we list down a few reasons that make Tata AIG one of the best health insurance companies in Bangalore.

A Tata promise for security, quality, and timely services

• Cashless treatment at any of the network or non-network hospitals.

• Comprehensive coverage to suit your needs

• Paperless policies

• High Claim Settlement Ratio

• Substantial No Claim Bonus (NCB)

• Hassle-free and quick claim process

• Easy comparison and purchase options online

• Incredible discounts

• Automatic restoration facility

• 24x7 customer support

How to Buy Tata AIG's Health Insurance?

Step 1: Go to our official website and click on All Products.

Step 2: Under the 'Health Insurance' section, choose the plan you wish to buy (Tata AIG Medicare, Super Top Up, or Tata AIG ElderCare).

Step 3: Enter the number of people you would like to buy health insurance for. You can opt for individual (self) or family members. Click on the option "Get plan".

Step 4: Enter details of the selected members. Moreover, provide your contact number, email address and PIN for the registration and communication process.

Step 5: Follow the instructions and enter all the required details. Click on ‘Get Quote’.

Step 6: A quote will be displayed on your screen.

Step 7: If you are satisfied with the quote, proceed with paying the premium through online payment modes.

How to Renew Tata AIG's Health Insurance?

Step 1: Visit Tata AIG’s official website. Click on the ‘Health’ option under the ‘Renewal’ section.

Step 2: Enter your policy number and click on 'Renew'.

Step 3: Your policy details will be displayed on the screen. Check the details and proceed.

Step 5: Pay the premium amount through any of the payment modes.

Documents Needed to Buy/Renew Medical Insurance Policy

A duly filled application form

Proof of identity and proof of address such as PAN Card, Aadhar Card, etc.

Proof of income like current bank account statements, salary slips, etc.

A cancelled cheque

Claim filing or claim initiation is a straightforward process at Tata AIG. You can either opt for reimbursement or a cashless claim facility.

How to File a Reimbursement Claim?

Step 1: Go to the Claims page on our official website.

Step 2: Click on the ‘Initiate Claim’ option and select ‘Health’.

Step 3: Enter details and fill out an online reimbursement claim form.

Step 4: Submit the required documents. These may include claim settlement forms, health insurance policies, medical bills, etc.

Step 5: Once all the documents are submitted, we shall verify them and may also contact you if required.

How to File a Cashless Claim?

Cashless claims facility is now allowed at any network or non-network hospitals. You can file for cashless claims at Tata AIG by following the below steps.

Step 1: Send an SMS "GoCashless" to 7669300780.

Step 2: Speak with our expert advisor.

Step 3: Get your cashless claim.

Earlier, cashless treatments were available only at the insurer's network hospital. If a policyholder did not get the treatment at these hospitals, they weren't allowed for cashless claims. However, on 24th January 2024, the General Insurance Council (GIC) launched the "Cashless Everywhere" initiative.

Under this initiative, the policyholder can get treatment in any hospital of their choice and a cashless facility will still be allowed, irrespective of whether the hospital is from the insurer’s network list. This facility shall be available if the policyholder fulfils certain requirements, which include:

Intimation to the insurer at least 48 hours before an elective treatment

Intimation to the insurer within 48 hours in case of emergency

Claims should be as per the terms and conditions of the policy.

Enjoy cashless benefits on the best mediclaim policies in Bangalore with Tata AIG.

#GoCashless