Health Insurance in Chennai
Health Insurance in Chennai
Chennai is a commercial hub and a busy metropolitan city. It is always bustling with people. It is home to varied cultures and traditions, vibrant festivals, and much more. This city never fails to mesmerise both locals and visitors.
Apart from this, Chennai also offers some of the best-in-class healthcare services, attracting people from the rest of the country. But know that with advanced medical care facilities and treatments comes expensive medical expenditure.
To deal with these expenses, health insurance in Chennai can come in handy. After all, the skyrocketing costs can be subsided with adequate financial support.
Importance of Health Insurance in Chennai
A robust financial plan remains incomplete without the inclusion of an adequate health insurance policy. Regardless of the city you live in, having medical insurance is essential. Howeverver, below are a few reasons mentioning the significance of health insurance in Chennai.
The increase in population has led to an increase in pollution, giving rise to health problems like lung cancer.
With hectic and stressful work life, cases of lifestyle diseases like hypertension and diabetes have increased exponentially.
Chennai is equipped with some of the best healthcare services; however, the cost of availing these services is very high.
Choosing the best mediclaim policy in Chennai not only covers you and your family during medical emergencies but also helps you save money. Buying medical insurance in Chennai from a provider like Tata AIG is affordable and also offers tax benefits.
Types of Health Insurance in Chennai
At Tata AIG, we offer various health insurance plans for individuals residing in Chennai based on their requirements. These plans cater to different needs, the number of individuals covered, coverage, etc.; hence, the premium charged may also vary.
Individual Health Insurance
Individual health insurance plan is one of the best medical insurance in Chennai to insure a single person. If you have no dependents, an individual plan can be the best buy for you for getting comprehensive coverage.
Our Tata AIG MediCare plan, with three different variants, offers comprehensive coverage for individuals at affordable premiums.
Health Insurance Plan Insurance for Family
If you have dependent parents, spouses, and children, buying individual medical plans for each member can be an expensive and cumbersome task. You can instead opt for a family floater health insurance. This plan extends coverage to your entire family.
Consider opting for the Tata AIG MediCare health insurance plan for your family. MediCare Premier Plan even offers coverage for high-end diagnostics, OPD treatment, and maternity cover with first-year vaccination for the newborn.
Senior citizen health insurance plan
Individuals above 60 years can opt for a senior citizen health insurance plan. This plan is specially curated to cover several age-related health issues.
Moreover, all three variants of Tata AIG MediCare health insurance offer AYUSH benefits, consumable benefits, and pre- and post-hospitalisation costs, among other benefits.
Critical illness health insurance plan
A regular medical insurance plan may not cover critical illnesses like cardiac stroke, cancer, kidney failure, etc. To get coverage for such illnesses, consider opting for Tata AIG's Critical Illness Cover.
Along with these most popular health insurance categories, we also offer Super To-up Health Insurance Plan (MediCarePlus), Tata AIG Personal Accident Insurance and Coronavirus Health Insurance Policies.
What Do the Best Mediclaim Policies in Chennai Usually Cover and Not Cover?
We at Tata AIG offer several plans, and inclusions and exclusions may vary depending on the type of plan you choose. Below are some of our standard inclusions and exclusions under individual health insurance plans.
Medical Insurance Inclusions
Pre and Post-Hospitalisation
Ambulance Costs
Preventive Health Check-up
COVID-19 Treatment
Organ Donor Expenses
Day Care Procedures
Domiciliary Hospitalisation
Medical Insurance Exclusions
Vision, Hearing, and Dental-related expenses
Pre-existing conditions
Cosmetic surgery
Abuse of drugs or alcohol
Infertility treatment
Pregnancy and Associated Conditions
Obesity treatment
Alternative therapies
Self-inflicted injuries
HIV AIDS
Illness or injuries as a result of nuclear perils
To know what is covered and what isn't under our range of MediCare Plans, click here.
How to find the Best Health Insurance Companies in Chennai?
Having the best health insurance in Chennai will make sure that you do not have to empty out your hard-earned savings. It is the right solution to get quality healthcare services with the utmost ease. To get the best medical insurance in Chennai, you will have to choose the best health insurance company in Chennai.
Chart out your needs based on your age, current medical condition, number of family members and others
Select medical insurance in Chennai with a high sum insured to get adequate coverage for your medical costs.
Ensure that your medical insurance in Chennai entails features like lifetime renewability, annual health check-ups and no claim bonus
It will be wise to check for the policy exclusion and waiting period so that you can plan accordingly.
Most importantly, to find the best medical insurance in Chennai, know the claim settlement ratio of the chosen health insurance company.
Lastly, check the procedure for filing the claims mentioned in the health insurance policy wordings in Chennai.
All the best health insurance in Chennai has the features discussed above. So, keep in view your unique requirements and these features to arrive at the best health insurance plan in Chennai.
Why Should You Buy Online Health Insurance in Chennai?
Earlier, when you wanted to purchase a health insurance policy, you typically looked for 'health insurance near me'. However, with online modes available, comparing, purchasing, and renewal of policies have become a lot easier. Let us look at some of the benefits of purchasing online health insurance in Chennai.
It offers convenience.
It is cost-effective, as no intermediary is involved, and companies offer better discounts due to reduced operational costs.
It aids in easy comparison and helps you buy the best mediclaim policy for your family in Chennai.
It offers hassle-free insurance, right from calculating health insurance premiums to the claim initiation process
Get the Best Medical Insurance in Chennai! - Why Choose Tata AIG?
Choosing the best mediclaim policy in Chennai is no easy feat. Hence, we list down a few reasons to help you understand what makes Tata AIG one of the best health insurance companies in Chennai.
Cashless treatment in any of your preferred hospitals or healthcare centres.
Extensive yet need-based coverage
Easy comparison and purchase options online
Hassle-free and quick claim process
High Claim Settlement Ratio
Substantial No Claim Bonus (NCB)
Automatic restoration facility
24x7 expert assistance
Incredible discounts
Tax benefits and paperless policy
A Tata promise for security, quality and timely services
Key Features and Benefits of Tata AIG's Health Insurance Plans
Tata AIG medical insurance offers the following features and benefits.
| Key Features and Benefits | Details |
|---|---|
| Extensive Coverage | Pre and post-hospitalisation cover, OPD cover, worldwide cover, consumable cover, ambulance expenses, etc. |
| Alternative Treatments | Get coverage for alternative AYUSH treatments |
| No Sub-limit | Choose a hospital room as per your preference without room rent capping |
| Co-payment Clause | Reduce your premiums by opting for co-payment clause |
| Cumulative Bonus | For every claim-free year, enjoy a cumulative bonus benefit of 10 to 50%. |
| Paperless Policies | Online health insurance policies with zero documentation |
| Tax Benefits | Enjoy tax benefits on premium paid for health insurance under section 80D of the Income Tax Act. |
The Best Health Insurance in Chennai - Buying and Renewing your Tata AIG MediCare Plans
How to Buy Tata AIG's Health Insurance?
Step 1: Visit our official website and click on All Products.
Step 2: Under the 'Health Insurance' section, choose from Tata AIG Medicare, Medicare Plus (Super Top Up), or Tata AIG ElderCare.
Step 3: Select the number of people you would like to buy health insurance for and click on the "Get plan" option.
Step 4: Enter the names and dates of birth of all the selected members, as well as your contact number, email address, and PIN.
Step 5: Follow the instructions and enter the required details to get a quote for your medical insurance policy.
Step 6: If you are satisfied with the quote, proceed with paying the premium through the available payment methods.
How to Renew Tata AIG's Health Insurance?
Step 1: Visit our website. Under the 'Renewal' tab, click on the 'Health'.
Step 2: Enter your policy number and click on 'Renew'.
Step 3: Your policy details will be displayed on the screen. Check and make changes if needed. If you add a member or change your policy requirements, the premiums will also change.
Step 5: Confirm the premium amount and pay the same through any of the payment modes.
Documents Needed to Buy/Renew Health Insurance Policy
A duly filled application form
Identity proof such as PAN Card, Aadhar Card, etc.
Address proof like Aadhar Card, Voter ID Card, etc.
Income proof that may include Bank statements, salary slips, etc.
A cancelled cheque
How to File a Health Insurance Claim With Tata AIG In Chennai?
When you opt for a customer-centric insurance provider like us, be assured that the claim process will be a breeze, and you need not wait too long during an emergency.
How to File a Reimbursement Claim?
Step 1: Visit our website and go to our Claims page to fill out an online reimbursement claim form.
Step 2: Submit the required documents (claim settlement form, copy of health insurance policy, detailed medical bills, etc.)
Step 3: Once all the documents are submitted, we shall verify them and may also contact you if required. Claim settlement typically takes up to 21 days.
How to File a Cashless Claim?
With Tata AIG, you can file cashless claims in any network or non-network hospital in 3 easy steps.
Step 1: If you meet the eligibility criteria set forth by the IRDAI, send an SMS "GoCashless" "" "" to 7669300780.
Step 2: Our health expert advisor shall guide you through the entire process.
Step 3: Get your cashless claim.
Where Can I Claim Cashless Treatment in Chennai?
Until recently, policyholders could opt for cashless claims only at the network hospitals. However, the General Insurance Council (GIC) launched the "Cashless Everywhere" initiative to ease the burden on policyholders.
With this initiative, policyholders can get medical treatment in any of their preferred hospitals and avail of cashless facilities. This is regardless of whether the hospital is on their insurance provider's network hospital list.
Hence, individuals can choose Tata AIG's best medical insurance plans in Chennai and enjoy cashless benefits anywhere, anytime.
#GoCashless
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Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Do I need to go through a health check-up to avail of online health insurance in Chennai?
Do I need to go through a health check-up to avail of online health insurance in Chennai?
No. At Tata AIG, it is not always mandatory to undergo a health checkup to get your health insurance plans online. If needed, our expert advisors may contact you and guide you through the process. Some policies may require you to undergo tests before you can buy the policy.
How can I reduce my medical insurance premium?
You can reduce your health insurance premium liability by determining your needs and budget, choosing the cover wisely, comparing health plans before purchase, opting for long-tenure policies, and choosing a plan when you are young.
Why should I buy medical insurance at a young age?
Your medical insurance premium amount depends on various factors, including your age. Young individuals are considered healthy and less prone to diseases and ailments. This reduces the risk exposure of the insurance provider and hence charges lower premiums.
