Health Insurance in Cuttack

Cuttack is a progressive city and the commercial capital of Odisha. Due to the presence of industries like textiles, steel, automobiles, etc., pollution levels have gone up leading to health conditions.

Besides, the cost of healthcare services is skyrocketing throughout the country, including Cuttack. Therefore, individuals residing in Cuttack must opt for a medical insurance plan.

Here are some other points that highlight the importance of health insurance in Cuttack.

Offers Protection—Supporting and protecting the health of family members and dependents is one of the biggest concerns for many. Therefore, having family health insurance gives you peace of mind and protects you and your family in case of medical emergencies.

Assists in Meeting Medical Expenses—The rising cost of medical treatments can leave a massive hole in the pocket. However, health insurance offers monetary assistance and helps you deal with medical expenses.

Provides Extensive Coverage—Medical insurance offers extensive coverage to the policyholder. It covers various treatment-related expenses, such as hospitalisation charges, doctor fees, diagnosis, and so on.

Helps to Fight Lifestyle Diseases—Stressful lifestyles are prevalent today, which has led to an increase in lifestyle diseases. However, with the best medical insurance in Cuttack, you can fight various diseases like cardiovascular, diabetes, and so on.

While knowing about the importance of health insurance is essential, one must also be informed about the zone-based premium for individual and family insurance. The premiums for health policies are based on the different zones in the country. India is divided into three Zones: A, B, and C.

The premium is fixed depending on the Zone in which your city falls. Cities in Zone A pay the highest premium, whereas those in Zone C pay the lowest premium.

Tata AIG offers various types of medical insurance policies to suit the budget and health requirements of individuals.

Individual Insurance

• An individual health insurance plan is suitable for a single person and covers the expenses of their medical treatment. Under an individual health insurance plan, each individual gets a separate sum assured for their medical expenses.

• Tata AIG Offering: Tata AIG Medicare

Key Features

It is suitable for individuals, their spouses, and dependent family members.

• Individuals can claim the maximum sum assured.

• Individuals between the age group 18-65 years must buy this plan.

Family health Insurance

• If you want to cover the entire family in a single plan, opt for family insurance. Family floater plans cover the whole family, including the spouse, children, and elderly members. Under such an insurance plan, the sum assured gets divided among all the family members. For instance, if two members are getting treatment, expenses can be claimed by both till the limit is reached.

• Tata AIG Offering: Tata AIG Medicare

Key Features

• The best mediclaim policy for a family in Cuttack is very affordable.

• All the family members share the sum assured

Critical Illness Plan

• Under a critical illness cover, the policyholder gets a lump sum amount if they are diagnosed with life-threatening diseases. If an individual is affected by any of the diseases chosen, he is eligible to get a lump sum amount. It includes diseases like cancer, heart disease, kidney failure, etc.

• Tata AIG Offering: Tata AIG Criti MediCare Insurance

Key Features

• Insurance claims can be made in case of critical illness chosen.

• When you claim the policy amount, the policy is terminated automatically

• You can purchase it as a stand-alone or add-on cover.

Senior Citizen Plan

• Senior citizen health insurance plans are curated for people over 65 years. They offer coverage for illnesses and accidents, including hospitalisation, post-treatment, and medical expenses.

• Tata AIG Offering: Tata AIG Elder Care

Key Features

• The premiums of such plans are high.

• It offers additional benefits such as domiciliary hospitalisation, psychiatric services, etc.

Health Insurance Super Top-Up

• A Super Top-Up plan enhances your base health insurance plan’s sum assured. It gets activated once the base policy’s sum assured is exhausted.

• Tata AIG Offering: Tata AIG Medicare Plus

Key Features

• Suitable for individuals and families seeking a cost-effective method to enhance their health insurance.

• Includes coverage for hospital stays as well as associated pre and post-hospitalisation costs, providing thorough support.

Before you buy the best health insurance in Cuttack, it is essential to know the primary inclusions and exclusions of a policy. This will keep you aware of what benefits you will receive and what benefits are not available.

Inclusions

• Pre- and Post-Hospitalisation Expenses—Most health insurance plans cover pre-, post-, and hospitalisation expenses. You can claim pre-hospitalisation expenses like tests, consultations, etc., done 30, 60, or 90 days before the hospitalisation. You can also claim expenses incurred after the hospitalisation, such as medicine costs, follow-ups with the doctor, etc.

• Daycare Treatments—If you need to undergo any medical treatment or procedure that requires admission for less than 24 hours, you can claim it under the Tata AIG insurance plan. This includes procedures like cataracts, chemotherapy, and dialysis.

• Annual Health Checkups—A health insurance plan also covers annual health checkups, including blood tests, ECGs, kidney function tests, and more. These tests are essential to ensure that you are healthy and there are no medical conditions.

• Domiciliary Expenses—In cases where a patient cannot be transported to the hospital or the hospital has run out of beds, the doctor may advise home treatment. Tata AIG covers all the treatment expenses incurred at home.

• In-Patient Expenses: When a person is hospitalised for 24 hours or more for treatment, all the expenses incurred are covered by insurance.

• Mental Health Cover- Health insurance plans also cover the expenses in connection with mental health treatments. It includes treatment of anxiety and stress disorder, dementia, acute depression, and so on.

• Other Inclusions- COVID-19, ambulance costs, organ donor expenses, etc., are some other inclusions of health insurance.

Exclusions

• Cosmetic Procedure- All the expenses related to any cosmetic procedure are not covered under health insurance plans unless they are a part of the medical treatment.

• Pre-Existing Diseases-If you suffer from any diseases before buying the insurance policy, they may be excluded from the scope of insurance. In the case of some diseases, there may be a waiting period of 2 to 4 years, after which they will be included in the policy.

• Self-Caused Injury- A person will not be eligible to receive any compensation if he causes harm to himself by way of injury or suicide attempt.

• Maternity Expenses—A health insurance policy does not compensate for maternity expenses. Some policies may include them after a specified waiting period.

• Other Exclusions- Other exclusions include admission for investigation, non-medical exclusions, HIV AIDS, obesity treatment, etc.

The best mediclaim policy in Cuttack offers comprehensive coverage for medical expenses while suiting the budget of various customers. However, with several insurance providers in the market, choosing the right policy can take time and effort.

Here are some of the key points to keep in mind while choosing a medical insurance plan.

Extensive Coverage—It is wise to choose an insurance plan that covers you against several medical problems and all medical-related expenses such as transportation, pre- and post-hospitalisation, medicine, etc. The best medical policy effectively meets individual requirements.

Waiting Period—The waiting period of an insurance plan is also a crucial factor that must be considered. Remember, one cannot raise a claim for specific diseases until the waiting period is over. Different policies and providers offer varying waiting periods.

The right combination of Coverage and Cost- One must opt for a policy that strikes the right balance between policy coverage and cost. A policy must be affordable, but it should not come at the cost of reduced coverage.

Flexibility—An efficient insurance plan offers flexibility, allowing you to add members to a plan. Flexible policies also help you save costs that may be incurred in purchasing a separate policy for a family member. Look for flexibility in terms of premium payment, short-term and long-term needs, etc.

Lifetime Renewability—A lifetime renewability option means you can benefit from the same insurance policy even in your old age. Such a policy is specifically beneficial as old-age insurance plans come at higher premiums.

Simple Claim Process- Choose a provider that has a simple claim process. Many health insurance companies in Cuttack offer straightforward claim processes. It makes the life of the insured easier as they need not go through complex procedures to receive the claim amount.

There are various reasons why you should buy health insurance policies online. Some of the top ones are listed below.

Various Options- The online insurance world offers a wide variety of choices to customers. You can choose from several health plans and pick the one that ticks all the boxes.

Cost Effective—Most insurance companies offer discounts to customers when they buy a medical insurance plan online. There is no involvement of intermediaries or other operational costs, allowing the insurance providers to offer lower premiums.

Convenient Comparison- When you opt for an individual or family health insurance plan online, you have all the plans in front of you. Therefore, you can easily compare their features and benefits and select the right one for yourself.

Other Benefits- There are many other benefits of buying health insurance online, such as transparency, time-saving, immediate issuance, convenient payment options, and so on.

Tata AIG is one of the most renowned names when it comes to medical insurance in India. Here are some of the reasons Tata AIG is the right insurance provider for you.

Extensive Coverage—When you buy a policy from Tata AIG, rest assured that you will get the most extensive coverage. Our health insurance plans cover several diseases and also include expenses like OPD visits, medicines, pre- and post-hospitalisation, surgery, post-surgery, and so on.

Simple Process—We strive to make the policy-buying process as simple as possible. By providing the necessary details online, you can buy any of our policies in a few easy steps.

Cashless Claim Availability- You can avail of the cashless claim facility by opting to get treated at any hospital of your choice in India. Our cashless claim facility relieves the policyholder from the hassle of preserving bills, filling out reimbursement claim forms, etc.

Lifelong Policy—We offer lifelong policies to support our policyholders throughout their lives. With these policies, you can enjoy the benefits of our health insurance for extended periods.

AYUSH Cover—In addition to allopathy treatments, we also cover expenses related to other types of treatments, such as homoeopathy, ayurveda, and Unani.

High Claim Settlement Record- We have a commendable record of settling customer claims. Therefore, you can trust that whenever you make a true claim, Tata AIG will honour it.

The Best Health Insurance in Cuttack - Buying and Renewing your Tata AIG MediCare PlanSteps to Buy Tata AIG Health Insurance Online:

• Visit the official website of Tata AIG.

• Click the “Health” tab under “All Products” on the page.

• Select for whom you wish to purchase the health insurance.

• Click on “Get Plan.”

• Provide the personal details and other necessary information as required.

• Select the plan that suits your needs.

• Make the premium payment online and get the policy instantly.

Steps to Renew Tata AIG Health Insurance Online:

• Go to the Homepage of the Tata AIG website.

• From the options, select the “Health” tab. Then, select the members for whom you want the policy.

• Submit the policy number. Click “Renew.”

• Pay the premium online and your policy is renewed!

Documents Required to Buy Tata AIG Health Insurance in Cuttack

• Identity proof (Driving licence, Aadhar card, Voters ID)

• Age proof (Aadhar card, PAN card, Passport)

• Passport-sized photograph

• Blank cheque (cancelled)

• Address proof (Ration card, Driving Licence, PAN card, Passport)

• Proposal form (signed and filled)

There are two ways to file a claim with Tata AIG:

• Reimbursement

• Cashless

Reimbursement Claim Settlement Process:

• Go to the Tata AIG Claim Support page.

• Click the “Initiate a claim” option. Choose “Health” as the sub-option.

• Inform us about the date and place of treatment.

• You can pay for the treatment and preserve the bills.

• Fill up a reimbursement claim form. Submit the form along with the bills, invoices, and documents.

• Once the claim is verified, we shall reimburse the amount.

Documents Required for Claim

• A claim form (signed and filled up)

• Medical reports and diagnosis details

• All medical bills, pharmacy receipts, and payment invoices.

• Details of the treatment from the doctor.

• FIR (in case of accidents)

• Copy of health policy

• Bank account details

Cashless claim settlement process:

• Visit Tata AIG’s Claim Support page.

• • Click on “Initiate a claim.” Or notify us through a call.

• After assessing your request, we will send you a confirmation letter.

• Submit the letter to the hospital where you want to get treated.

• After the treatment is done, we shall pay the cost directly to the hospital.

With the introduction of new rules by the IRDAI, Tata AIG policyholders can now opt for a cashless claim in any hospital throughout the country.

Earlier, a cashless claim benefit was available only in a selected few network hospitals. However, now, one can go to any hospital of one's choice.

A cashless claim is simple and can be completed in a few steps. All you have to do is provide us with the necessary information, and we will handle the rest!