Health Insurance in Dehradun

Medical emergencies come unannounced and can create a big financial burden. However, having the best health insurance provides plenty of benefits. Here are some of the reasons why having insurance is essential.

Offers Financial Aid- The rising cost of medical care in India makes it difficult to access quality healthcare services. A medical insurance policy provides financial assistance to the policyholder and enables him to meet the expenses of medical treatments.

Protects the Insured- Buying the best health insurance in Dehradun protects the insured. Whether you buy insurance for yourself or your family it offers protection in medical emergencies.

Helps to Combat Lifestyle Diseases—Due to stressful living habits, lifestyle diseases have become common. Though precautions can be helpful, medical emergencies come uninvited. Therefore, having a medical insurance plan can be extremely helpful.

Safeguards your Savings-Medical emergencies bring mental, emotional, and financial stress for an individual. However, if you have the right health policy, it helps you to meet the cost of medical expenses without exhausting your savings.

Another crucial aspect of a health insurance plan is the zonal-based policy premium. The premium for a health cover is determined according to the zone in which your city falls. For health insurance premiums, India is divided into three Zones: A, B, and C.

Zone A cities pay a higher premium, whereas cities in Zone C pay the least premium.

You can buy various types of medical insurance from Tata AIG, depending on your unique requirements, budget, and other criteria.

Individual Insurance Plan

If you want to buy a medical policy for a single person, you must buy an individual insurance plan. Such a policy is suitable for an individual, their spouse, children, or older dependents. Each insured gets a separate policy and sum assured that they can use for medical expenses.

Tata AIG Individual Health Insurance: Tata AIG Medicare

Key Features

Individuals who are between the age group of 18-65 years can buy this insurance.

The premium depends on an individual's age, medical history, etc.

The policyholder can claim the entire sum assured.

Critical Illness Insurance Plan

Critical diseases can be fatal and include heart disease, kidney failure, cancer, etc. Under a critical illness cover, the insured gets a lump sum amount for the treatment. If an individual is diagnosed with a life-threatening illness, a critical illness is what they need.

Tata AIG Critical Illness Health Insurance: Tata AIG Criti MediCare Insurance

Key Features

It covers a broad range of expenses.

The amount is paid in a lump sum

Once the claim is settled, the policy is terminated.

You can purchase it as a rider or stand-alone policy.

Family Health Insurance Plan

A family health insurance plan is designed to cover the medical expenses of an individual and his family members insured under a single plan. It is also known as a family floater plan, which gives you the peace of mind that your entire family is protected under a single policy. It also eliminates the hassle of maintaining multiple policies.

Tata AIG Family Health Insurance: Tata AIG Medicare

Key Features

The sum assured is shared among all the family members in the best mediclaim policy for family in Dehradun.

The entire family can use the sum assured till it gets exhausted.

Family floater plans are very cost-effective.

Senior Citizen Plan

Senior citizen health plans are specially formulated for people over 60 years. They cover various expenses, such as medical treatments, accidents, post-surgery treatment, and so on.

Tata AIG Senior Citizen Health Insurance: Tata AIG Elder Care

Key Features

Senior citizen plans have a higher premium.

One can avail of various benefits such as daycare treatments, domiciliary expenses, and more.

Health Insurance Super Top-Up

A Super Top-Up plan is designed to extend your existing health insurance coverage once its initial limits are reached.

Tata AIG Super Top-Up: 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.

Adds an extra level of protection, offering additional security.

Though the best mediclaim policy in Dehradun will cover the policyholder’s various medical expenses, there are a few standard inclusions and exclusions that one must be aware of.

Inclusions in Policy

Pre-Hospitalisation & Post-Hospitalisation- A health insurance policy covers the policyholder's pre and post-hospitalization expenses. It includes various tests, doctor fees, follow-up charges, etc.

In-Patient Hospitalisation- The insurance company will compensate for any upfront expenses one incurs in connection with the hospital admission, ICU, doctor fees, etc.

Daycare Treatment- If a policyholder is admitted to the hospital for short procedures like cataract surgery, dialysis, etc., which require hospitalisation for less than 24 hours, the health insurance in Dehradun will also cover such expenses.

No Claim Bonus- The insurance company rewards the policyholder for not raising a claim during the policy year, resulting in discounted premium rates.

Annual Health Check-ups- An insurance policy also covers the expenses of annual health check-ups, including ECGs and blood tests.

Some other inclusions are ambulance costs, COVID-19 treatment, organ donor expenses, domiciliary expenses, etc.

Exclusions in Policy

Cosmetic Procedures- Cosmetic surgeries and procedures done to change the appearance are excluded from insurance.

Pre-Existing Diseases- All illnesses present before buying health insurance are excluded from the scope of coverage.

Suicide or Self-Injury- If a policyholder causes harm to himself or attempts suicide, it is not covered under the policy. Additionally, misusing intoxicating substances is also excluded.

Dental Expenses- All expenses incurred for dental treatment, such as root canals, fillings, etc., are excluded from the scope of insurance.

Specified Illnesses- Specified illnesses such as genetic disorders or congenital conditions are excluded.

Others- Some other exclusions of health insurance policies include obesity and weight control treatments, infertility treatments, maternity expenses, etc.

Due to the presence of various health insurance companies in Dehradun, it isn't easy to choose the right one. Here are some essential aspects that one must consider to find the best mediclaim policy in Dehradun.

Adequate Coverage—It is essential to choose a policy that offers maximum coverage. Therefore, you must check the policy's inclusions and exclusions and choose the one that adequately meets your needs.

Find About the Network Of Cashless Hospitals- Network cashless hospitals offer you the privilege of availing cashless treatment.

Check the Waiting Periods—Many diseases have a waiting period before you can raise a claim. Opt for insurance with lower waiting periods.

Look for a Trustworthy Insurance Provider- It is crucial to look for a provider who is trustworthy and has a good reputation rather than getting carried away by the discounts they offer.

Check the Settlement Ratio- Choose a company with a higher claim settlement ratio, as it is more likely to pay your claim.

Settle for Family Health Insurance- Family health insurance is a better choice than buying individual policies as it is more affordable and economical.

• The benefits of buying health insurance plan online are plenty. Some of them are stated below.

• You can compare and analyse different policies and choose the best medical insurance in Dehradun.

• Buying policies online saves you a lot of time and is more convenient than buying them offline.

• You can enjoy some discounts from the medical insurance provider as online purchase reduces operational costs.

• It allows you to choose from multiple payment options at your convenience.

• The policy is issued immediately.

Tata AIG is one of the top-rated health insurance companies in Dehradun. Here are the top reasons why you must choose us for individual and family health insurance.

In-Patient Expenses— The policy covers all expenses incurred when a policyholder is admitted to a hospital. It includes nursing charges, medicine costs, ICU charges, and more.

Benefits Restoration— If you exhaust the sum assured in a year, the benefits will be automatically restored to cover medical costs.

Consumable Expenses- Our policy provides for expenses beyond hospitalisation, such as medical supplies, surgical equipment, etc.

Global Cover— We also provide coverage for treatment abroad for diseases diagnosed in India. You can be reimbursed for expenses up to the sum assured.

Vaccination Cover— With our best health insurance policies, Policyholders can claim vaccination expenses for typhoid and animal bites (anti-rabies) without any waiting period.

Excellent Customer Assistance— Our team includes more than 650 claim experts who can guide you through various processes and requirements.

All Tata AIG’s medical insurance plans can be purchased and renewed from the comfort of your home online.

Steps to Buy Tata AIG Health Insurance Online

• Go to the Tata AIG official webpage.

• Click on the “Health Insurance” option.

• Select the people for whom you wish to purchase the policy.

• Click on “Get Plan.”

• Fill out the personal details, medical issues, and pre-existing diseases, if any.

• Choose the plan that matches your requirements.

• Pay the premium online, and you are done!

Steps to Renew Tata AIG Health Insurance Online

• As an existing policyholder, you must visit the Tata AIG website.

• Click on the “Health Insurance” tab. Select the “Renew the existing policy” option.

• Enter the policy number and click “Renew.”

• Provide any details if required.

• Pay the premium online, and your policy will be renewed instantly.

Documents Required to Buy Tata AIG Health Insurance in Dehradun

• Proposal form (signed and filled)

• Identity proof (Aadhaar card, Voters ID, Driving Licence)

• Address proof (Ration Card, Passport, Pan Card, Driving Licence)

• Cancelled blank cheque

• Passport-sized photograph

• Age proof (Pan Card, Aadhar Card, Passport)

There are two ways to file a claim with Tata AIG: either get a reimbursement or opt for a cashless option. Below are the processes for both types of claims.

Reimbursement Claim Settlement Proces s

• Visit our claim support page.

• Provide us with the details about the treatment you are taking and the hospital to which you will be admitted.

• After completing the treatment, pay the bills.

• Preserve all the bills and invoices. Then, raise a claim with Tata AIG by filling out the form and submitting all the necessary bills and documents.

• After verifying the claim and documents, we shall initiate the reimbursement process.

**Documents Required for Reimbursement Claim **

• Copy of Tata AIG health insurance policy.

• Duly-filled claim form

• Proof of expenses incurred

• A cancelled cheque

• Pathology reports

• A medical certificate signed by the doctor

• Copy of discharge card issued by the hospital

**Cashless claim settlement process: **

• Go to Tata AIG’s claim support page.

• Go to any hospital in Dehradun for your treatment and inform us within 48 hours in case it is a medical emergency. In case of planned treatment, inform us 48 hours before admission.

• After receiving our confirmation letter, you must submit it along with your ID card at the time of admission.

• You can avail all the procedures and treatment, and we shall directly pay to the hospital.

The new rules introduced by the IRDAI have brought much relief to the policyholders in Dehradun and all across the country.

As per the new rule, those who have health insurance in Dehradun can get cashless treatment at any of the authorised hospitals in Dehradun and all across India.

Tata AIG offers a very straightforward process for raising a cashless claim and receiving cashless treatment at any hospital in Dehradun.