Health Insurance in Chennai

Protection Against Many Diseases

Chennai’s humid weather and high rainfall result in a high risk of seasonal illnesses, such as dengue, malaria, cholera, flu, and chikungunya. These diseases tend to be painful and infectious, resulting in high healthcare costs for families and communities. Health insurance in Chennai helps cover the cost of treatment of such diseases.

Covers Lifestyle and Chronic Conditions

Lifestyle diseases, such as diabetes, obesity, respiratory problems, and heart diseases, are on the rise in Chennai. As per recent surveys, non-communicable diseases contribute over 68% to premature deaths and shortening lifespans. Treatments of lifestyle and chronic diseases can drain a family’s financial resources considerably, making it necessary to get health insurance coverage.

Deals with Medical Inflation

India has witnessed some of the worst medical inflation in South Asia in recent years. As demand for healthcare services increases and medical technology advances, the cost of medical treatments, medicines, diagnostic tests, and medical equipment continues to outpace income growth. This makes health insurance important, as people cannot bear these expenses on their own.

Protects Your Financial Stability

Healthcare costs in Chennai are fairly high as it’s a metropolitan area, though they’re lower compared to other big cities. Still, even a single instance of hospitalisation at a private hospital can wipe out one’s savings and accumulate debt. Since major surgeries can cost tens of lakhs, health insurance is helpful in protecting one’s financial stability.

Maintains Financial Independence

With medical costs in Chennai rising every day, residents need to protect their savings, investments and long-term financial planning from sudden medical emergencies. Investing in health insurance frees up funds to make strategic allocations and achieve financial goals. Medical insurance in Chennai helps to strike a balance between income and obligations and maintain financial independence.

Range of Coverage Options

When you choose TATA AIG, you unlock a wide range of health insurance options. This includes different types of plans, like individual plans and family floater plans and add-on coverage options, such as accident cover and critical illness cover. You can also choose any sum insured amount between ₹5 lakhs and ₹3 crores and different tenure options for maximum flexibility.

Tax Saving Benefits

The premium that you pay towards a health insurance plan for you and your family members entitles you to tax-saving benefits. You can save taxes up to ₹1.5 lakhs in a financial year under Section 80D of the Income Tax Act. The maximum limits include ₹25,000 for one's own and family’s health insurance, ₹50,000 for senior citizens’ and ₹5000 for health checkups.

Cashless Treatments

With our cashless hospitalisation facility, you can get admitted to any hospital in Chennai and get treatment without paying any upfront expenses. We ensure to cover all expenses directly with the hospital within policy limits within a few hours of receiving the discharge request. We also have an extensive cashless network of 12,000+ hospitals for easy settlements and high-quality treatments.

Preventive Health Checkups

Another reason to get the best medical insurance in Chennai is that our plans offer free health checkups that don’t deplete your sum insured. The number and cost limits depend on your chosen plan. Preventive health checkups help to screen health risks in Chennai, detect diseases, and enhance your overall well-being.

Full Hospitalisation Coverage

We cover the full treatment costs when you are admitted to a hospital within the sum insured limits of your policy. We cover doctors’ fees, specialist fees, room rent, ICU and CCU charges, diagnostics, drugs, blood, oxygen, surgical appliances, various consumables and other expenses incurred while you are in the hospital.

Pre- and Post Hospitalisation Expenses

Our health insurance plans Chennai cover pre-hospitalisation and post-hospitalisation expenses for a certain number of days as outlined in the policy document. We cover diagnostics charges, consultations, and medicine costs before and after hospitalisation. Some plans even cover physiotherapy sessions and home care services to enable easy recovery.

Individual Health Insurance Plan

TATA AIG’s Individual Health Insurance plan is one of the best health insurance policies 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 individual plans offer unique benefits like high-end diagnostics, consumables coverage, international treatment coverage, wellness services, etc.

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Family Health Insurance Plan

If you have dependent parents, spouses, and children, buying individual medical plans for each member can be too expensive. The best medical insurance for a family in Chennai offers lower costs with a family discount of up to 32% on premiums. You can cover up to 7 family members with a sum insured amount of up to ₹3 crores* with preventive checkups and global cover.

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Senior Citizen Health Insurance Plan

Individuals above 61 years can opt for TATA AIG’s Senior Citizen Plan. This plan is specially curated to cover several age-related health issues with benefits like critical illness coverage, ambulance coverage, home nursing services, preventive health checkups, and a substantial cumulative bonus. You can get coverage of up to ₹25 lakhs for your elderly family members.

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Critical Illness Health Insurance Plan

A regular medical insurance plan may not be able to cover the treatment costs of critical illnesses like cardiac stroke, cancer, kidney failure, etc. To get coverage for up to 100* such illnesses, consider opting for TATA AIG's Critical Illness Cover. It provides a substantial lump sum payout covering all manner of medical expenses, with benefits like lifelong renewal, family coverage, and daily hospital cash.

Buy Critical Illness Insurance

Arogya Sanjeevani Plan

If you are looking for a basic and inexpensive plan, TATA AIG’s Arogya Sanjeevani is the perfect choice. It offers inpatient hospitalisation coverage, specific surgical procedures and AYUSH treatments within a sum insured limit of ₹10 lakhs. Other benefits offered by this basic policy include lifelong renewability, cumulative bonus and flexible premium payment options.

Buy Arogya Sanjeevani Plan

Super Top-Up Health Insurance Plan

Our Super Top-Up Plan is the best health insurance in Chennai if you already have a basic health insurance plan and want to upgrade it. This plan activates when your base health insurance coverage is depleted and covers the rest of the costs, ensuring you don’t have to pay out of your pocket. It offers affordable coverage with no sub-limits and aggregate deductibles.

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Health Insurance Inclusions

• Inpatient Hospitalisation: Covers medically necessary treatment expenses for hospitalisation of over 24 hours.
• Pre-Hospitalisation Expenses: Covers medical expenses, including diagnostics, consultation fees and medicines before admission.
• Post-Hospitalisation Expenses: Provides coverage for post-operative care for a specific number of days.
• Ambulance Cover: This covers the cost of transportation of the patient to a hospital in case of emergencies or transfer from another hospital.
• Domiciliary Hospitalisation: Our medical insurance plans also cover medically necessary treatments taken at home for over three days under a doctor's supervision.
• Daycare Treatment: This covers the expenses of over 540 listed procedures that require hospitalisation of less than 24 hours at a hospital or daycare centre.
• AYUSH Cover: This covers inpatient hospitalisation and daycare treatments under disciplines, such as Ayurveda, Homoeopathy, Unani, Siddha and Naturopathy.
• Preventive Health Checkup: Our medical insurance in Chennai covers certain health screening tests at intervals determined by the policy term.
• Automatic Restoration: Under this facility, we restore the sum insured and cumulative bonus after you have exhausted your existing limits, subject to certain conditions.
• Global Cover: Some of our health insurance plans cover medical expenses for treatments taken abroad for illnesses diagnosed in India.

Health Insurance Exclusions

• Enforced Bed Rest: Our health plans generally exclude expenses related to bed rest, custodial care and services for terminally ill persons.
• Cosmetic Surgery: Cosmetic surgeries are fully excluded unless taken for reconstruction from an accident, burn, cancer or medically necessary treatments.
• Weight Loss Management: Obesity and weight loss management expenses are excluded unless medically necessary or advised by a qualified physician.
• Gender Change Treatments: Any treatment or procedure to surgically change one’s biological sex is not covered.
• War or Nuclear Attack: This excludes diseases and injuries arising out of war, invasion, rebellion, nuclear attacks, nuclear materials, chemical and biological attacks, etc.

Disclaimer: All inclusions and exclusions are subject to policy terms and conditions. Check the Policy Wording document for more details.

Look for Extensive Hospital Network

The best health insurance companies in Chennai will offer an extensive hospital network, where you can get hassle-free cashless treatments with relatively less documentation. Assess the network size and check if it covers reputable medical institutions in Chennai, near areas like your residence and workplace.

Check the Scope of Coverage

The best medical insurance in Chennai will provide the right type of coverage that you and your family members need. Look for plans that cover daycare treatments, domiciliary hospitalisation, ambulance charges, advanced procedures, etc. Also, check the individual limits of each coverage option.

Get Lower Waiting Periods

The lower the waiting periods for specific diseases and pre-existing medical conditions, the lower your risk of getting hospitalised without insurance coverage. Look for plans that cover pre-existing diseases with the shortest possible waiting period, so you can stay financially protected.

Pick a Plan with No Sub-Limits

Look for plans that come with the least restrictive sub-limits on room rent, specific procedures and coverage options. Also, check if the policy terms contain any co-payment clause, as it can burden you with higher out-of-pocket expenses at the time of your claim settlement.

Choose a Trusted Insurance Partner

Your health insurance policy is as good as the insurer’s credibility. You should choose a trusted partner with a long record of settling claims without any hassles or delays. Check the insurance provider’s claim settlement ratio and choose a company that has good customer feedback.

Affordable Plans

At TATA AIG, we offer very competitive prices on our health plans, so anyone in Chennai can get one. Our premiums start at ₹15/day, and we offer additional discounts for adding more family members and choosing longer tenures.

High Claim Settlement Ratio

The Claim Settlement Ratio (CSR) determines how many claims an insurance company settles against the claims it receives. At TATA AIG, not only do we maintain a high CSR by settling every valid claim, but we also ensure to process settlements in a timely manner. We process cashless preauthorisations in 1 hour and final authorisations in 3 hours, approximately.

Attractive Discounts

We offer many attractive discounts and bonuses to give you a good reason to choose TATA AIG. You can get up to 10% discounts on premium payments for choosing longer terms and up to 32% family discounts. Finally, if you don’t make claims in a year, you will get higher cover via our cumulative bonus.

24x7 Customer Support

When you choose the best health insurance policy in Chennai, you are assured of constant and effective customer support any time you want it. Connect with our experts for queries, feedback and assistance regarding any TATA AIG features. Our dedicated team of experts is always there to help you.

Instant Purchase and Renewal

Buying or renewing your TATA AIG policy is one of the easiest things to do. Simply follow the steps given here, upload a few basic documents and make the online payment to complete your purchase. We ensure to process purchases, renewals and claim settlements at the shortest possible time.

Easy Comparison of Plans

You should always compare health insurance plans and check the benefits against the costs to make an informed decision. At TATA AIG, we provide 100% transparency by letting you add/remove coverage options and check the premium costs. We also offer premium calculators to help you understand the cost breakdown in detail.

Step 1: Visit the official TATA AIG website and click on Personal > Health Insurance.

Step 2: Choose a plan, such as 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 required details, including your mobile number, email address, PIN code and date of birth of all selected members.

Step 5: Choose your plan and select the sum insured amount and policy tenure.

Step 6: If you are satisfied with the quote, proceed with paying the premium through the available payment methods. Download your policy document once you have purchased our health insurance online.

Step 1: Visit our website. Under the 'Renewal' tab, click on the 'Health' option to renew your health insurance plan.

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 modify the sum insured amount or get health insurance add-ons, your premiums will also change.

Step 4: Confirm the premium amount and pay the same through any of the payment modes.

How to File a Cashless Claim for an Emergency?

Step 1: Get admitted to any network or non-network hospital based on your convenience.

Step 2: Submit the cashless claim form at the hospital with the staff’s help within 24 hours of your hospitalisation.

Step 3: Ensure to submit documents, such as a copy of your policy document, health ID card, and identification documents. Once we receive your claim, we will take care of the rest.

How to File a Cashless Claim for Non-Emergencies?

Step 1: Inform TATA AIG via email or a letter at least 48 hours before your scheduled treatment.

Step 2: Wait till we send you the confirmation letter.

Step 3: On the day of your admission, submit your confirmation letter and health ID card at the service desk. We will take care of the rest of the steps.

How to File a Reimbursement Claim?

Step 1: Once you have received your treatment, make the payment and collect all the necessary documents, bills and prescriptions at the time of your discharge.

Step 2: Visit our website and go to our Claims page to fill out an online reimbursement claim form.

Step 3: Submit the required documents (claim settlement form, copy of health insurance policy, detailed medical bills, etc.)

Step 4: Once all the documents are submitted, we shall verify them and may also contact you if required. Claim settlement takes up to 15 days from the receipt of your documents.

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 coverage from TATA AIG.

With Cashless Everywhere, we settle 100% of all admissible claims with any hospital in India. Our claims process is streamlined so we can address and settle your claim within a few hours of receiving it. You only need to inform us in time, 48 hours before your planned treatment and 24 hours after getting admitted to the hospital for an emergency treatment.

Send the message “GetCashlessPolicy NumberCity” to 7669300780 to file a cashless claim in Chennai with TATA AIG. #GoCashless