Health Insurance in Bilaspur

In Bilaspur and rural Chhattisgarh, viral infections, waterborne, and other related diseases are common causes for concern. Lifestyle-related ailments, such as diabetes, are also becoming increasingly prevalent.

With such increasing uncertainties and rising medical costs, having a health insurance policy ensures access to quality healthcare services at an affordable cost. Furthermore, it helps you focus on your recovery rather than worrying about expenses.

At Tata AIG, we provide different types of health insurance plans to meet the medical and financial requirements specific to individual needs. Here is a brief description of the types of health insurance in Bilaspur.

Individual Health Insurance Plan

Individual health insurance plans cover the medical expenses exclusively of a single policyholder. They provide coverage for a range of medical expenses, including hospitalisation, pre- and post-hospitalisation, and daycare procedures.

The premium for the health insurance policy depends on factors such as age, gender, pre-existing illnesses, and sum insured.

Family Health Insurance Plan

A family health insurance plan offers financial coverage for the medical expenses of a family. The sum insured is shared and used to cover the medical expenses of the individual members of the family.

Also called family-floater health insurance plans, these policies are increasingly affordable and can be customised to the unique needs of a family. Therefore, it is important to compare the different options and decide on the best mediclaim policy for the family in Bilaspur.

Senior Citizen Health Insurance Plan

A senior citizen health insurance plan is introduced exclusively to cover the medical expenses of individuals over 60. The coverage is extended to pre-existing illnesses and other age-related issues.

Our Tata AIG Elder Care is a senior citizen health insurance plan that can cover in-patient treatment, pre- and post-hospitalisation, AYUSH treatment, daycare procedures, and ambulance expenses.

Critical Illness Plan

While a standard health insurance plan covers the expenses against common diseases and injuries, it essentially does not cover critical illnesses.

A critical illness insurance plan covers medical expenses related to critical illnesses such as cancer, renal failure, and cardiovascular diseases.

Super Top-Up Health Insurance Plan

Super top-up health insurance plans allow you to extend coverage after you have exhausted the claims against your regular health insurance plans. Our Tata AIG's Medicare Plus Super Top-Up plan offers wide-ranging benefits at an affordable premium rate.

The medical expenses covered and not covered under a health insurance policy can differ between the various insurance providers. Therefore, it is important to understand the specific terms and conditions to decide on the best medical insurance in Bilaspur for your financial needs.

Here are a few common medical insurance inclusions and exclusions.

Medical Insurance Inclusions

Hospitalisation Expenses—When you buy a health insurance policy, it covers hospitalisation expenses for medical treatment for any illness, injury, or health condition.

Pre- and Post-Hospitalisation—With a medical insurance plan, you can cover the pre- and post-hospitalisation expenses incurred 30 to 60 days before being admitted to the hospital and 60 to 90 days after being discharged.

Daycare Procedures - Our Tata AIG medical insurance also covers more than 540 daycare medical procedures that require a hospital stay of less than one day (24 hours).

Ambulance Charges - With health insurance in Bilaspur, you can also get covered for the ambulance expenses needed for an emergency transit.

Pre-existing Illnesses - Health insurance plans also cover for pre-existing illnesses, subject to a specific waiting period. Some of the common pre-existing diseases covered under a health insurance policy are diabetes, heart disease, thyroid, and arthritis.

Medical Insurance Exclusions

Plastic Surgery or Cosmetic Surgery - Any type of plastic or cosmetic surgery, unless recommended as part of a treatment, is excluded under a health insurance plan.

Self-Inflicted Injuries - Any injury resulting from intentional self-harm is excluded from a health insurance plan.

Pre-existing Diseases before the expiry of the Waiting Period - Medical treatments related to a pre-existing disease before the expiry of the waiting period will not be covered under a medical insurance policy.

Preventive Care - All preventive care, such as vaccination, including inoculation and immunisations, unless explicitly covered, is excluded from health insurance coverage.

With a number of health insurance companies in Bilaspur offering their services for medical needs, choosing the most suitable health insurance policy is crucial to securing the required financial coverage when in extreme need.

Here are a few factors to consider that can help you find the best health insurance in Bilaspur.

Sum insured - The sum insured and the applicable benefits should be an important criterion to decide if it is an affordable and suitable health insurance policy for your needs.

Benefits and Add-On Covers - Health insurance plans offer wide-ranging benefits to cover a range of medical procedures and treatments.

In addition, they offer add-on covers to extend the coverage for specific scenarios such as maternity needs, OPD consultations, etc. Comparing the benefits and add-on covers can also help choose the best medical insurance in Bilaspur.

Affordability - While you consider the coverage, add-on covers, and benefits, it is equally important to ensure that it is affordable based on your financial condition.

Claim Processes - When you are shortlisting products for your health insurance needs, the ease of claim processes and settlements should be a major consideration.

Network Hospitals - Health insurance providers have empanelled hospitals where policyholders can avail of treatments in a few simple steps and documentation procedures. You can check out the network hospitals and the quality of treatment rendered before you make a decision.

Convenience - From comparing the different policy solutions to choosing the best health insurance and maintaining it throughout the policy term and even further, online platforms prove to offer services at a convenience.

Get the Health Insurance Policy Instantly - Our Tata AIG official website is a user-friendly platform that offers options to choose the best health insurance plan by comparing the premiums across the different products using a health insurance calculator.

Upon deciding on the product and providing the necessary details, you can get health insurance coverage almost instantly.

Benefit from Affordable Premiums - While buying a health insurance policy online, you can avoid the charges related to the involvement of a middleman such as an agent and also benefit from various discounts that are applicable on online purchase options.

Customised Coverage - At Tata AIG, we provide customised health insurance coverage by offering various policy options with add-on coverage benefits.

High Claim Settlement Ratio - At Tata AIG, we are committed to providing the best services for initiating and settling claims online. The process is simple, hassle-free, and less time-consuming.

For the FY 2020-21, we have registered a claim settlement ratio of 94.21%. It reflects our initiatives for efficient claim settlements to support our policyholders.

Exceptional Discounts - While we provide extensive coverage options with customised benefits, we also offer exceptional discounts.

For example, with our Family Floater Health Insurance Plan, you can benefit from a discount based on the number of persons covered. With our Tata AIG Medicare plan, you can benefit from discounts with an increase in the number of policy years.

Buying or Renewing your Tata AIG health insurance plan is a simple process online. Follow these simple **Steps and get insured for a lifetime at your convenience.

How to Buy Tata AIG Health Insurance in Bilaspur?

Step 1: Visit our Tata AIG official website, hover over "All Products," and click on the downward-pointing arrow.

Step 2: Choose from MediCare, MediCare Plus, ElderCare, and Video Assistance plans.

**Step 3 - Select from the options to decide on the number of individuals you want to be insured and click on the “Get plan” option.

Step 4: Provide all the essential details such as name, DOB, Email address, mobile number, etc.

Step 5: Follow the instructions as prompted by the system displayed on the screen for the next **Steps.

Step 6: After providing the details and specifying your requirements regarding the choice of health insurance policy and the additional benefits, the applicable premium gets displayed on the screen.

Step 7: If you are satisfied with the premium quote, you can pay the applicable premium.

How to Renew Tata AIG Health Insurance in Bilaspur?

Step 1: Visit our Tata AIG official website, click on the “Renewal” tab, and further choose “Health”.

Step 2: Provide your health insurance policy number and click on "Renew".

**Step 3 - Enter all the essential details as prompted by the screen.

Step 4: Pay the applicable premium online using any of the convenient digital payment methods to renew your health insurance plan.

Documents Required to Buy Tata AIG Health Insurance in Bilaspur

Proposal form, duly filled and signed.

Proof of Identity:** Aadhaar Card, PAN Card, Passport, etc.

Proof of Address:** Aadhar Card, Passport, Driving Licence, etc.

Proof of Income:** Salary Slips, Income Tax Return Forms, Bank statements, etc.

Cancelled cheque

When you purchase a health insurance policy with Tata AIG, you not only get the option of choosing between different policy solutions but also benefit from hassle-free claim settlement processes.

How to File a Cashless Claim?

Step 1: Visit our Tata AIG Claims Process page.

Step 2: Click on 'Initiate Claim' and choose "Health" for the product.

Step 3: Enter your registered mobile number as prompted by the screen and Login. Connect with our 24/7 customer helpline number for any further assistance.

Step 4: Enter the necessary details, opt for cashless claims, and submit the claim request.

Step 5: Upon verification, the claim amount will be approved.

Step 6: Upon completion of the treatment, the necessary payments will be made directly to the hospital.

How to File a Reimbursement Claim?

Step 1: Visit our Tata AIG Claims Process page.

Step 2: Click on 'Initiate Claim' and choose 'Health' for the product.

Step 3: Enter your registered mobile number as prompted by the screen and Login. Connect with our 24/7 customer helpline number for any further assistance.

Step 4: Enter the necessary details, opt for reimbursement claims, and submit the claim request.

Step 5: Upload the necessary documents, including hospital bills, receipts, and the discharge summary.

Step 6: Submit the claim request.

Step 7: Upon verification, we will reimburse and compensate for the amount paid to the approved limit.

Documents Required for Reimbursement Claim

Claim form, duly filled and signed.

Health insurance policy document

Medical certificate

Diagnostic Reports

Proof of hospital discharge

Hospital Bills

Cancelled cheque

Till the recent introduction of the "Cashless Everywhere" initiative by the General Insurance Council (GIC), cashless claim services were applicable only to Tata AIG's network of hospitals.

However, with this initiative, cashless claim benefits have been extended to any authorised hospital across India, irrespective of whether it is a network or non-network hospital.

Therefore, we offer cashless claim options to our policyholders at any approved hospital so that they can go cashless anywhere for their health insurance in Bilaspur.