Health Insurance in Bangalore

Quick Summary

• The high risk of non-communicable diseases like diabetes, hypertension and cancers, as well as infectious diseases like influenza, malaria and dengue, makes health insurance a necessity in Bangalore.

• A health insurance plan in Bangalore provides financial security by covering health emergencies, rising medical inflation and access to quality treatment.

• TATA AIG offers diverse medical insurance plans like individual plans, family floater plans, senior citizens plans and critical illness insurance plans. Choose one depending on your healthcare and budgetary needs.

• Some of the reasons to get our health insurance include our wide coverage options, easy cashless treatment, seamless processes and benefits like global coverage and cumulative bonuses.

• Buy a health insurance plan online by entering a few basic details and paying the premium amount. Renewing our health insurance policy is just as easy.

• File a cashless claim by informing us ahead of the stipulated deadlines. If you can’t file cashless claims, you can pay for your treatment and claim reimbursement later.

• Diabetes: Bangalore has a high incidence of type 2 diabetes mellitus due to a combination of environment and dietary preferences. As per a study, around one-third (30%) of Bangalore residents have abnormal glycaemia.

• Cardiovascular Diseases: Cardiovascular diseases, including hypertension, stroke, ischemic heart disease and coronary artery diseases, are very prevalent across Karnataka. As per a 2024 study, 35.87% of Bangalore residents have hypertension, including 53.2% of females and 46.8% of males.

• Cancer: Incidents of lung, stomach and prostate cancers in men and breast, cervix and ovarian cancers in women have increased in Bangalore in recent years. Around 87,000 new cancer cases are recorded in Karnataka each year, with a 1% increase per year.

• Dengue: Dengue remains a significant health challenge in Bangalore, with a history of large-scale outbreaks in recent years. In 2023, Karnataka witnessed its largest outbreak in a decade with 19,300 cases and 11 deaths.

• H1N1 Influenza: Bangalore has witnessed several seasonal flu outbreaks caused by H1N1 (swine flu), H1N2 and H1N3 (sub-variants). A study in Bangalore found a 25.58% prevalence of these viruses among those with flu symptoms.

• Deals with Unforeseen Expenses: Medical emergencies can strike at any time without any warning. Comprehensive health insurance in Bangalore protects your finances against a wide range of medical expenses, from hospitalisation and daycare treatment to ambulance charges. This provides peace of mind during stressful times.

• Access to Quality Healthcare: Bangalore boasts of some of the country’s top-rated medical institutions and a robust network of local clinics. Having a medical insurance plan provides immediate access to quality healthcare at these facilities without having to pay cash.

• Provides Financial Security: Households seeking private medical care in Bangalore pay an average of ₹23,600 out of pocket. Since not having medical insurance in Bangalore can have a catastrophic impact on your finances, make sure to get one to shield your savings.

• Covers Rising Medical Expenses: Healthcare costs in Bangalore are already high, but they continue to increase each year. Medical inflation in India is trending at 12% to 13%, nearly triple the rate of general inflation, making it difficult for anyone to afford high-quality care without medical insurance.

• Protects Your Family Members: Family health insurance in Bangalore secures multiple family members under a single plan. This eliminates the need to pay expensive premiums to insure each member. Elderly parents can be covered by a senior citizen health insurance plan, as it comes with no age restrictions.

• Saves You Taxes: Paying for health insurance can lower your taxable income under the old tax regime. Under Section 80D, save up to ₹25,000 in taxes for insuring yourself, your spouse and your children. Additional deductions are available for insuring parents and senior citizens, up to ₹1 lakh per year.

• Individual Health Insurance

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• Family Health Insurance

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• Senior Citizen Health Insurance

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• Critical Illness Health Insurance

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• Personal Accident Health Insurance

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• Super Top-Up Health Insurance

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• Arogya Sanjeevani Policy

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• Lots of Coverage Options: The best medical insurance in Bangalore comes with extensive benefits, from essential covers like hospitalisation and daycare procedures to specialised covers like maternity expenses, consumables and preventive checkups. If a base plan doesn’t provide a feature, get it by including the relevant rider or add-on.

• Seamless Digital Experience: Whether you are looking to buy or renew health insurance online, our hassle-free process lets you do it in minutes. No physical paperwork or multiple verifications are required. Just enter a few required details and get instant quotes, policy details and documents.

• Easy Cashless Hospitalisation: TATA AIG’s health plans provide you access to a vast network of 12,000+ cashless hospitals across India, allowing you to get treatment anywhere. Get timely access to treatment during emergencies using our flexible claim settlement process without having to worry about paying cash.

• Attractive Cumulative Bonus: The best health insurance in Bangalore rewards you upon every renewal with a substantial bonus on the sum insured amount. Every claim-free year, we offer a cumulative bonus from 10% to 50%, increasing the sum insured up to 100% with no extra payments.

• Worldwide Coverage: Several TATA AIG health insurance plans in Bangalore offer global coverage, granting access to advanced treatments at top-tier international hospitals. If you are diagnosed with an illness in India, our global health insurance covers hospitalisation expenses at overseas hospitals. Include this as an add-on if it’s not available in your base plan.

• Year-Round Discounts: No need to wait to get our attractive discounts and premium rates. Our health insurance in Bangalore offers 5% to 10% discounts on multi-year plans. For our family floater plans, get discounts from 20% to 32% by adding more members to your plan.

Easy and Simple Health Insurance

Enjoy a simple, instant and paperless purchase process

• Click on Buy Insurance: Scroll up and select the button labelled ‘Want to buy insurance’ to get started.

• Choose Family Members: Select the number of family members you want to include.

• Enter the Required Details: Provide a few details, including date of birth, mobile number, and PIN code.

• Choose Your Coverage: Review the available plans and choose one. Modify the sum insured and tenure, and include add-ons as per your needs.

• Pay the Premium: Check the premium quote and, if acceptable, pay the premium to buy a health insurance plan.

• Select Health Insurance: Scroll up and find the ‘Renewal’ menu. Select ‘Health’ from the dropdown options.

• Enter Policy Number: On the next page, type in your existing policy number and click on ‘Renew’.

• Choose Your Coverage: Modify the coverage details as required and include add-ons that you want.

• Pay the Premium: Check the revised premium price and if acceptable, pay it to renew your online health insurance in Bangalore.

Emergency Cashless Claim

• Intimate a Claim: Inform us via our self-service portal or our helpline (022-6489-8282).

• File a Cashless Claim: Submit a cashless claim form within 24 hours of getting hospitalised. Provide your insurance card and policy documents.

• Wait for Authorisation: Wait for us to process your claim and send an authorisation letter to the hospital. After your treatment, we will settle all bills directly.

Non-Emergency Cashless Claim

• Inform Us: Choose a hospital and inform us by filing a cashless claim form at least 48 hours before your planned treatment.

• Wait for Confirmation: Wait till we process your claim and send you a confirmation letter, along with informing the hospital.

• Submit the Required Documents: Upon arrival at the hospital, submit the confirmation letter and your health insurance card to receive cashless treatment.

Reimbursement Claim

• Pay Your Medical Bills: Inform TATA AIG as soon as possible, and pay the hospital bills on your own.

• File a Reimbursement Claim: Fill out and submit a reimbursement claim form with documents, such as medical certificates, invoices, prescriptions and receipts.

• Wait for Settlement: Once we receive and verify your claim, we will reimburse the approved sum to your account.

A policyholder’s ideal health insurance coverage depends on several factors, including the age, number and pre-existing medical issues of family members. Explore the minimum required coverage based on different factors:

• Based on Income: Experts recommend having at least 50% of one’s annual income as a baseline. For an annual income of ₹20 lakhs, the minimum recommended coverage is ₹10 lakhs.

• Based on Age: Bangalore’s healthcare costs make it necessary for even younger persons to have at least ₹10 lakhs of coverage. For senior citizens, the minimum recommended coverage is ₹15-20 lakhs.

• Based on Family Members: For a family of 3-4 members, ensure to get at least ₹30 lakhs of medical coverage. Larger families and individuals with pre-existing conditions will need higher coverage.

In Bangalore, the Arogya Karnataka Scheme provides universal health coverage to all residents of the city. However, it does not cover everyone or provide sufficient coverage to cover medical expenses in an expensive city. Check the table below for a detailed comparison:

TATA AIG is partnered with 403 hospitals in Bangalore, where you can get cashless treatment under any plan and 296+ valued providers under value plans. Check our most popular network hospitals in Bangalore:

• Apollo Hospital (Sheshadripuram)
• Oxford Medical College Hospital & Research Centre (Anekal Taluk)
• SPG Hospital & Diagnostic Center (Thirumalashettyhalli Cross)
• Bangalore Orthopaedic And Surgical Hospital (Kalyan Nagar)
• City Hospital Multi-Speciality and Trauma Center (Pulikeshi Nagar)
• St. John's Medical College Hospital (Koramangala)
• Acura Speciality Hospital (Koramangala)
• Rainbow Children's Medicare Pvt Ltd (Bannerghatta Road)
• Narayana Multispeciality Hospital (HSR Layout)
• Marvel Multispeciality Hospital (Koramangala)
• Iswarya Women's Hospital & Fertility Centre (HSR Layout)
• Trinity Hospital & Heart Foundation (Basavanagudi)
• Spandana Heart & Super Speciality Hospital (Sarjapura Main Road)
• Dr Agarwal's Eye Hospital (Pulikeshi Nagar)
• Bangalore Institute Of Gastroenterology (Jayanagar)

Check our cashless network hospital page to find a reputable hospital or medical centre near your location.