Health Insurance in Bihar

Offsets the Impact of Inflation

Due to increasing demand and advancements in technology, the price of everything from diagnostics to medicines rises every year. Health inflation for October 2025 was 3.89% year-over-year as per PIB, despite general inflation being one of the lowest (0.25%) in recent years. Health insurance alleviates the burden of rapidly increasing healthcare costs in India.

Covers Infectious Diseases

Communicable diseases, especially water-borne and vector-borne diseases, are a top concern among residents living in Bihar. As per the National Health Report, significant cases of infectious diseases like typhoid, pneumonia and kala-azar were reported in 2021-22. Mediclaim insurance in Bihar covers long-term prevention and cure of these diseases.

Provides Comprehensive Security

Health insurance pays for a wide variety of medical treatment, expenses and procedures. It covers diagnostic expenses, doctor consultations, ambulance charges, hospital room rent, medications, and more. Effective health insurance plans also cover preventive care, wellness programmes, post-operative physiotherapy and more, ensuring financial security and disease prevention.

Secures Your Family Members

Bearing the healthcare costs of several people on your own is a difficult task that can easily deplete your savings. Family health insurance plans allow you to include multiple family members under the same plan, providing cost-effective financial protection. You can get a health insurance plan to cover your spouse, parents or dependent children.

Counters Inadequate Cover

Often, a person can have health insurance through their employer or government. However, these plans can be basic in scope and exclude specific risks like hereditary diseases or pre-existing conditions. Furthermore, these plans may not cover advanced procedures or specialised treatment. In such cases, you may want separate health insurance cover.

Cashless Treatments

When you raise a cashless claim with TATA AIG, you can get 100% of your admissible claim settled without paying any money on your own. Our cashless hospitalisation and treatment are available with every plan for both network and non-network hospitals.

Hospitalisation and Daycare Cover

Our Bihar health insurance plans cover all necessary medical expenses incurred when you are hospitalised, including room rent, diagnostics, medicines, OT charges, specialist fees, consultations, and more. In addition, we cover more than 540 daycare procedures that don’t require 24-hour hospitalisation.

Add-Ons for Customisation

If you want to customise and enhance your health insurance plan, we offer 34+ health insurance add-ons/riders depending on the type of plan. You can include options like Critical Illness Cover, Consumable Cover, OPD Treatment, Premium Waiver Benefit, and more.

Global Cover

Several TATA AIG health plans include global coverage for planned hospitalisation in the base plan or as an available rider. The global/worldwide cover pays for hospitalisation and daycare expenses for treatment in foreign countries, provided that the diagnosis was made in India. Some plans cover visa service fees as well.

Income Tax Benefits

You can claim health insurance tax benefits under Section 80D of the Income Tax Act for paying health insurance premiums. If you buy health insurance for yourself and family members, you can claim up to ₹25,000 in tax deductions. You can also claim ₹50,000 in deductions for senior citizens and ₹5000 for preventive care.

Automatic Restoration of Benefits

Another benefit of our health insurance plans is the automatic restoration benefit, where we restore/replenish the basic sum insured when you have exhausted your limits by filing claims. This ensures that you and family members included in the plan don’t have to pay for medical emergencies on their own.

Family Health Insurance Plan

Family health insurance in Bihar covers multiple family members under a single plan at a more affordable price than separate plans. At TATA AIG, our family floater plans offer a sum insured up to ₹3 crores*, cover up to 7 members, and don’t require pre-policy checkups for anyone under 45 years.

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Individual Health Insurance Plan

These plans cover a single person and provide complete and tailored medical coverage. TATA AIG’s individual plans offer lifetime renewability, wellness programmes, high-end diagnostics, global coverage and other benefits. The plan is fully customisable via add-ons, and you can include family members with a separate sum insured under the same plan.

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Super Top-Up Health Insurance Plan

A super top-up plan enhances the coverage of your regular health insurance and provides financial backup when your base plan sum insured is depleted. Our super top-up plan covers hospitalisation, AYUSH treatment, daycare hospitalisation, medical consumables and optional global cover. It costs only a fraction of a new health insurance plan.

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Senior Citizen Health Insurance Plan

These plans cover individuals above 61 years with specialised age-based coverage options. TATA AIG’s senior citizen plan provides a sum insured up to ₹25 lakhs* with benefits, such as preventive health checkups, preventive consultations, home nursing services, compassionate care services, wellness programmes and modifications for elderly/disability care.

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Arogya Sanjeevani Plan

This is a basic and affordable health insurance in Bihar provided by every insurer as per IRDAI guidelines. The TATA AIG Arogya Sanjeevai Policy offers a sum insured up to ₹10 lakhs*, covering hospitalisation, pre-and post hospitalisation, and other necessary expenses. It comes with lifelong renewals, a cumulative bonus and flexible premium payment options.

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Critical Illness Health Insurance Plan

It provides essential financial support by paying a lump sum amount following the diagnosis of a critical illness. Our critical illness plans cover up to 100* life-threatening illnesses with benefits like daily hospital cash, special cancer indemnity, global coverage, preventive checkups, and an optional Wellsurance benefit.

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Disclaimer: The above features are subject to limits, terms and conditions. Check the Policy Wording document for details.

Bihar Health Insurance Inclusions

• Inpatient Hospitalisation: Includes medical expenses for treatments requiring 24+ hours of hospitalisation.
• Pre- and Post Hospitalisation: Covers consultations, medicines and diagnostic tests for a certain number of days before and after hospitalisation.
• Ambulance Charges: Pays for transporting the patient to a hospital for emergencies or transfer to another hospital.
• Domiciliary Hospitalisation: Covers home treatment for conditions that would otherwise require hospitalisation under a doctor’s supervision.
• Daycare Procedures: It includes minor treatments like cataract and tonsil removal, which require less than 24 hours of hospitalisation.
• Preventive Health Checkups: Covers non-diagnostic medical tests for general health screening, subject to policy terms.
• AYUSH: Covers hospitalisation and daycare procedures under Ayurveda, Yoga, Unani, Naturopathy, Siddha and Homoeopathy.
• Global Cover: Pays for international medical treatment for diseases diagnosed in India, subject to conditions.

Bihar Health Insurance Exclusions

• Non-Allopathic Treatment: Other than AYUSH, non-allopathic treatment like hydrotherapy or acupuncture is excluded.
• Sterility and Infertility: Excludes sterility and fertility treatments, including contraceptives, artificial insemination, gestational surrogacy, etc.
• Self-Inflicted Injuries: Suicide attempts and intentionally self-inflicted injuries are not covered.
• Extraordinary Circumstances: Injuries due to war, war-like operations, chemical and biological attacks and nuclear perils.

Disclaimer: The above inclusions/exclusions are subject to terms and conditions. Refer to your policy document for details.

• Get Adequate Coverage: To choose the right policy, you need to evaluate the sum insured amount and coverage options you need. This can vary based on the number of family members included, age, residential location, pre-existing conditions and medical history.
• Check the Add-Ons Available: To make sure you get the best possible medical coverage, check the add-ons/riders offered by the insurer and their costs. Pick only the add-ons you need; for example, add-ons like critical illness cover, emergency assistance services and wellness programs for vulnerable senior citizens.
• Look for Affordable Plans: Once you have shortlisted your options, find the most affordable health insurance in Bihar that meets your coverage requirements. You can use an online health insurance calculator to do a cost vs benefit analysis.
• Evaluate the Insurer’s Reliability: A health insurance provider must have a reputation for upholding its clients’ trust, showcased by good reviews and a high Claim Settlement Ratio (CSR). You should also assess the insurer’s Incurred Claim Ratio (ICR) to understand their financial stability.
• Know the Waiting Periods: The best health insurance in Bihar will have the lowest possible waiting period for specific diseases and procedures, and pre-existing medical conditions. Select plans that also offer day one coverage for accidents to minimise insurance gaps.

Extensive Hospital Network

TATA AIG has partnered with 12,000+ network hospitals across India, where you can get advanced treatment and quick cashless claims. In Bihar, we have tie-ups with many medical colleges, emergency hospitals, multispeciality hospitals and speciality clinics, including eye and dental care clinics and more.

Hassle-Free Claims

When you buy health insurance in Bihar from TATA AIG, you are ensured a seamless claims filing process that doesn’t require any physical documents or a complex process. You can file claims online via multiple channels, including our website, mobile app and customer support number (022 6489 8282).

Attractive Bonuses and Discounts

We offer attractive discounts on premiums, including tenure-based discounts from 5% to 10% and family discounts from 20% to 32% based on the number of members added. Additionally, we offer a substantial cumulative bonus from 10% to 50% that increases the sum insured without any additional premium.

Reliable and Trustworthy Insurer

You are assured of timely settlements and high-quality services when you select an insurer with the TATA name and 25+ years of experience in India’s insurance sector. We take all our commitments very seriously, as demonstrated by our high Claim Settlement Ratio (CSR) and low turnaround times for claims.

Round-the-Clock Support

With the best health insurance in Bihar, you get 24/7 customer service for queries, feedback, claim-related issues and emergencies. We prioritise your needs at all times, so you can call our customer service team even at midnight. Our dedicated team of 750+ experts can help you file and track claims.

• Safe and Secure Transactions: All digital transactions on our website and app are 100% safe and encrypted. Since we value your safety and privacy, we ensure that all stored information is safe and ensure complete transparency.
• Paperless Processes: We offer paperless policies as we understand the need to have all important documents on the go. For everything from buying a policy to filing claims and getting admitted to a hospital, you only need digital documents.
• Instant Policy Issuance: Buying and renewing takes only a few clicks and minutes. Once you renew or buy health insurance from us, we issue the plan immediately and send you soft copies of the insurance papers to your email instantly.
• Easy Comparisons: With TATA AIG, you can easily compare health insurance plans, check policy features and get instant quotes. Our online tools let you assess the sum insured and costs against each other to make an informed decision.

Step 1: Go to the top of this page and click on the option to purchase a new health insurance plan.

Step 2: Enter your residential PIN code and mobile number and verify using OTP (one-time password).

Step 3: Choose the number of family members to insure and enter the other required personal information. Then, click on ‘See Plans’.

Step 4: Check the different plans available and read through the policy documents. Select the sum insured and policy tenure based on your insurance needs.

Step 5: Compare the health insurance quotes in Bihar and the premium breakup. If you want to continue, pay the required premium to buy health insurance from TATA AIG.

Step 1: Scroll to the top of this page, and click on ‘Renewal’ > ‘Health’.

Step 2: Enter your existing health insurance policy number and click on ‘Renew’.

Step 3: Review your updated policy details and price and make the necessary changes, including add-ons.

Step 4: Pay the required premium to renew your health insurance plan.

Filing Cashless Claims During Emergencies

Step 1: If you find yourself in a network or non-network hospital for unscheduled treatment, submit the cashless claim form within 24 hours of getting hospitalised.

Step 2: Submit the cashless form at the hospital with your health ID card, policy documents, identity proof and address proof. Once we complete the verification, we will send a pre-authorisation letter and settle your bills.

Filing Cashless Claims in Non-Emergencies

Step 1: Inform us and send the cashless claim within 48 hours of your planned hospitalisation. You can file your claim online via our claims portal, mobile app or helpline (022 6489 8282).

Step 2: Wait till you send the confirmation letter and inform the hospital. Submit the letter and your health ID card upon arrival at the hospital.

Filing Reimbursement Claims

Step 1: After paying the hospital bills by yourself, ensure to collect all relevant documents, including invoices, prescriptions and diagnostic reports at the time of discharge.

Step 2: File the reimbursement claim form online via our portal or app along with supporting documents, such as your discharge certificate, insurance card, medical certificate, hospital bills, pharmacy bills, diagnostic reports, and payment receipts.

TATA AIG offers cashless treatment at any hospital in India, including network and non-network hospitals under the ‘Cashless Everywhere’ facility. You can avail of fast-track cashless claims at more than 150 network hospitals in major cities like Patna, Gaya, Munger, Muzaffarpur, Bhagalpur, Darbhanga and Hajipur.

Here are some of our top network providers in Bihar. For more details, visit our network hospital page and enter the city name.