Health Insurance in Delhi

Delhi hospitals have the latest technologies and advanced medicines; thus, an excellent medical insurance plan in Delhi will help you get cost-effective treatment. Looking for a health insurance company in Delhi and finding an appropriate policy should be the first step when moving here.

Even if you are Delhi-ite, have started working recently, or do not have a health insurance plan, you should still opt for one. It should be a financial security net for your future. Plus, with the super Mediclaim policy in Delhi, you can overcome any medical uncertainty.

Many people consider TATA AIG as one of the leading health insurance companies in Delhi. Our health insurance plans in Delhi are tailored to suit individual needs. We offer a range of distinctive benefits in our plans, including coverage for inpatient treatments such as Ayurveda, Unani, Homoeopathy, or Siddha.

• Hypertension: Hypertension is very common in Delhi, affecting a large number of adults. Key contributing factors include a sedentary lifestyle, poor dietary habits, high stress levels and the growing prevalence of obesity.
• Cancer: Cancer is a serious health threat in Delhi and across India. Approximately 2.5 million people are currently affected. Major contributors to its rise include air pollution, tobacco use and sedentary lifestyles.
• Diabetes: Delhi ranks among the cities with the highest diabetes incidence in India. Urban stress, unhealthy diets and limited physical activity remain the leading causes.
• Dengue: Delhi continues to battle vector-borne diseases, especially dengue. Delhi’s huge population, ongoing construction and stagnant water create perfect conditions for mosquito breeding and fuelling annual outbreaks.
• Obesity & Overweight: Obesity remains a major health concern in Delhi. This is mainly due to urban lifestyle shifts, which increase the risk of diabetes, hypertension and heart disease.

Poor Air Quality

Delhi, ranked among the most polluted cities in the world, experiences a high prevalence of asthma, bronchitis and lung cancer. With medical inflation increasing treatment costs, health insurance offers vital financial support.

Lifestyle Diseases

Delhi’s busy urban life and limited physical activity have led to a rise in diabetes, obesity and hypertension. This is prevalent even among the young. A health plan covers long-term treatment expenses for these chronic conditions.

Rising Healthcare Costs

Healthcare costs in India have jumped considerably in India. In Delhi, where chronic illnesses like kidney disease are on the rise, a health policy protects your savings and ensures timely treatment.

Pre and Post-Hospitalisation Costs

Your coverage is not limited to hospitals. It also includes medicines, medical tests, and consultations before and after your hospital stay.

Hospitalisation Cover

Your health insurance takes care of major hospitalisation from ICU charges and room rent to medicines, doctor’s fees and nursing care costs. This helps you to focus on getting better, not on bills.

Extensive Protection at an Affordable Price

TATA AIG Health Insurance offers you wide-ranging coverage at a reasonable premium. With low premiums and options to customise your policy, you can secure quality healthcare without financial strain.

Protects You Against Critical Illnesses

Some plans offer coverage for serious health conditions like heart disease, kidney failure and cancer. This helps you manage high medical expenses, which are usually tied to critical illnesses.

Tax Benefits

You can also save up to ₹75,000 on taxes under Section 80D for the premiums you pay for yourself, your family, and your parents.

Cashless Treatment

You can get treated at a network or a non-network hospital without paying up front. We settle the bills directly, letting you focus entirely on recovery.

Also Read: Benefits of a Comprehensive Health Insurance Plan

Also Read: Individual Health Insurance vs Group Health Insurance

TATA AIG MediCare Lite

TATA AIG MediCare LITE is an affordable health insurance plan offering comprehensive coverage for individuals and families. It includes hospitalisation, pre- and post-hospitalisation, day-care, AYUSH, wellness services, cumulative bonuses, restore benefits and optional add-ons, ensuring financial protection and peace of mind.

TATA AIG MediCare

TATA AIG MediCare is a comprehensive yet affordable plan offering coverage from ₹3 lakhs to ₹20 lakhs. It includes bariatric surgery, ambulance booking, global cover and teleconsultation services. You can get complete medical support when you need it most.

TATA AIG MediCare Plus

This add-on plan improves your existing health insurance. After your base coverage limit is exhausted, you can get this coverage. This offers extended protection with aggregate deductibles. With this scheme, you can save on premiums while enjoying enhanced coverage.

TATA AIG Elder Care

A specialised plan for individuals aged 61 and above, offering financial security against age-related medical expenses. It provides easy renewals, preventive care and coverage for common treatments, ensuring seniors receive the care they deserve.

TATA AIG MediCare Premier

You can get all-around protection with this premium plan. It covers global planned hospitalisation, OPD, home care treatments, emergency air ambulance and high-end diagnostics. You can get coverage options from ₹5 lakhs up to ₹3 crores. It is ideal for those seeking superior care and wellness benefits.

At TATA AIG, every little effort also makes a huge difference. Thus, we aim to please our customers by offering benefits that meet their increasing demands. Read below to know what is covered or not covered under the TATA AIG health insurance plan in Delhi.

Inclusions in the TATA AIG Medical Insurance Plans

• Inpatient treatment: Our health insurance plan in Delhi covers room rent, ICU charges, medicines, nursing charges and other related consumables.
• Pre-Hospitalisation Medical Expenditure: Medical costs incurred in 30 or 60 days before the hospital's date of admission.
• Post-Hospitalisation Medical Expenditure: Medical costs incurred in 60 or 90 days after being discharged from the hospital.
• Ambulance Cover: Medical costs incurred for ambulance services are also covered under our health insurance plans in Delhi.
• Daycare Procedures: Previously, many treatment processes required more than 24 hours of hospitalisation. However, now, these can be done sooner. We provide coverage for up to 541 different daycare treatments that do not necessarily require hospitalisation.
• Global Cover: Our plans cover medical expenses for inpatient and daycare hospitalisation outside the country. But it is only applicable when the diagnosis is made in India.
• Organ Donor Costs: Our health insurance plans in Delhi cover the costs of organ harvesting when the insured is the recipient.
• Vaccination: Our medical insurance in Delhi covers costs for the Human Papillomavirus and Hepatitis B Vaccines after 2 years of continuous coverage.
• Maternity Cover: We also provide maternity expense cover. It includes pre and post-natal expenses.
• Dental Treatment: As one of the comprehensive health insurance companies in Delhi, we provide coverage for dental treatment in case of an accident. But keep in mind that the liability covered would be as mentioned in the product policy wording.
• Ayush Cover: Our medical insurance plans in Delhi cover inpatient treatments practised in Ayurveda, Siddha, Unani, or Homoeopathy.

Exclusions in the TATA AIG Medical Insurance Plans

• Illnesses from Substance Use: If you are facing any health problems caused by excessive smoking, alcohol, or drug use, these are not covered since these are voluntary lifestyle choices.
• Cosmetic Treatments: Procedures like facelifts, Botox, lip enhancements or similar cosmetic procedures are not covered.
• Voluntary Abortions: Abortions carried out without a doctor’s advice or medical need are not covered.
• Congenital or Genetic Conditions: Conditions present since birth or caused by genetics are excluded unless your plan specifically mentions this.
• Sexually Transmitted Diseases (STDs): Diseases like HIV or STDs like gonorrhoea are excluded due to long-term and complex treatment requirements.
• Pregnancy & Fertility Treatments: Regular childbirth and fertility procedures like IVF are not part of standard coverage. For such needs, you need to have a maternity-specific plan.
• Self-Inflicted Injuries: Injuries from intentional self-harm or suicide attempts are not covered under any plan.
• Pre-Existing Conditions: If you already have a medical condition before buying the policy, it will be covered only after a waiting period of usually 2–4 years.

Also Read: 9 Health Conditions Not Covered Under Health Insurance

Also Read: Government Health Insurance Schemes in India

• Check Coverage and Exclusions: Review if your policy covers hospitalisation and pre/post-care and check for exclusions such as cosmetic treatments or experimental procedures.
• Consider Age and Health: Premiums increase with age, so it is best to buy early. Younger buyers enjoy lower premiums and longer coverage durations.
• Look at Claim Settlement and Waiting Periods: Choose insurers known for quick, easy claim processing. Also, compare waiting periods for pre-existing diseases or maternity benefits.
• Balance Premiums and Benefits: Check if the premium matches your coverage. Check if there are options such as co-payments, deductibles and claim limits.
• Cashless Claims and No-Claim Bonus: Choose a plan that offers cashless treatment and rewards like a no-claim bonus that increases coverage if you do not file a claim.

As one of the best health insurance in Delhi, TATA AIG offers extensive cover and incredible benefits. Here are some of the most important reasons you must consider:

• Option for Copayment: We have highly flexible medical insurance plans in Delhi. You can opt for the copayment option wherein you will pay a portion of the medical expenses, and we will pay the remaining amount.
• Covers Pandemics: As a health insurance company in Delhi, we understand the sudden needs and increasing changes. To counter these, we have plans to address financial challenges that may arise from pandemics like the Coronavirus.
• Claim Settlement Ratio: Our High Claim Settlement Ratio makes us one of the most reliable health insurance companies in Delhi.
• Cumulative Bonus: If you do not file a claim for the entire year, we also grant a cumulative bonus at renewal. We are increasing your sum insured amount.
• Network of Hospitals: Our vast network of hospitals in Delhi is here for you in your time of need. Here, you can opt for cashless hospitalisation as well.

• Straightforward Online Procedure: TATA AIG offers comprehensive medical insurance in Delhi, as they are readily available online. An easy process and quick steps can help you buy an all-inclusive plan without problems.
• Affordable and Transparent Pricing: When you buy health insurance online, you avoid middlemen and extra costs. TATA AIG also offers exclusive online discounts, so you get the best value.
• Easy Comparison and Access: Our online platform allows you to compare health insurance plans side by side. You can review coverage benefits, features, and premiums. You can access this feature without requiring assistance from health insurance agents in Delhi.

• Step 1: Visit our official TATA AIG website and hover over the ‘Personal’ drop-down and click on the ‘Health Insurance’ option.
• Step 2: Select the members you wish to include in your health insurance plan. If you are buying an individual policy, simply choose Self.
• Step 3: Click ‘Get Price’ to proceed.
• Step 4: Provide your mobile number, email ID and date of birth, then click the ‘See Plan’ to view personalised insurance options.
• Step 5: Instantly check your policy quote and complete the purchase online in just a few minutes by providing the necessary information and documents.

• Step 1: Go to our official TATA AIG website and hover over the ‘Renewal’ drop-down and choose ‘Health’ to start your renewal process.
• Step 2: Provide your policy number and click the ‘Renew’ button.
• Step 3: Review your existing plan details and make any required changes.
• Step 4: Pay the premium securely online and complete the renewal process.

A trustworthy health insurance company in Delhi, like TATA AIG, offers two ways in which you can claim the health insurance in Delhi. Read below the quick and straightforward steps for each procedure to file a health insurance claim:

Cashless Claim Procedure

Planned Hospitalisation: If there is a date for a particular treatment or surgery, it will be considered as planned hospitalisation. To begin the claim process for planned hospitalisation, you must follow these steps:

• Step 1: Inform your insurer, us, at least 5 days before the treatment.
• Step 2: Wait for the cashless claim form to arrive. We will notify your network hospital and provide a confirmation letter.
• Step 3: On the day of admission to the hospital, submit that letter and your health card.

Emergency Hospitalisation: In an unforeseen situation, like an accident, you may require hospitalisation. Such events are considered emergency hospitalisation. We understand the stress you may go through during such times, so we have a quick process. You just need to follow these steps:

• Step 1: Kindly inform us and carry documents such as an insurance card and a policy copy to avail of cashless services.
• Step 2: The hospital will fill out the cashless claim request form and submit it.
• Step 3: Later, we will clear the bills with the hospital directly after giving the authorisation letter.
• Step 4: It will be sensible to choose a medical insurance plan in Delhi with a cashless policy. It will offer ease and convenience during emergencies.

Reimbursement Claim Process

If you choose a non-network hospital, you will have to pay the bills at the time of hospitalisation. We will reimburse you for the medical expenses later. You do not have to worry about not being reimbursed. You just have to follow these quick steps:

• Step 1: Verify the details you are providing for accuracy.
• Step 2: Collect all the required documents, like an insurance card, a medical certificate from the doctor, a hospital discharge card, bills, and receipts.
• Step 3: Submit all these documents and wait for our review. After the review, the payment will be processed.

We ensure to serve you with the best medical insurance policy in Delhi and facilitate the best healthcare support services. Our tie-ups with well-known hospitals ensure the best treatment for you. Find below the list of our cashless network hospitals in Delhi:

You can also use our TATA AIG Network Hospital Locator to find out the nearest network hospital to you.

Living in Delhi has some serious health challenges. Its pollution and fast-paced lifestyle are some of the most important reasons. Check out these effective ways to stay healthy and safe:

• Always wear a face mask outdoors and use air purifiers or indoor plants to maintain clean air at home.
• Maintain a balanced diet. Eat fruits, vegetables, whole grains and nuts and avoid processed foods and sugary drinks.
• Do at least an hour of moderate to vigorous exercise daily. Sleep 7–9 hours each night and practice meditation to manage stress.
• Avoid smoking or consuming excessive alcohol.
• Get preventive health check-ups every 2 years and use mosquito repellent to protect yourself from bites.
• Wear full-sleeved clothes when outdoors to guard against sun exposure and mosquitoes.

In Delhi, where medical costs are rising and health risks continue to increase, securing the right health insurance in Delhi is crucial. That is why choosing a good health plan is one of the best investments you can make for yourself and your loved ones. TATA AIG, one of the top insurers in the country, provides health insurance online for you to live your life with confidence.

An extensive network of trusted hospitals, quick claim settlements and a seamless digital experience, we know what it means to be secure. From hospitalisation, and pre and post-care coverage to preventive check-ups and wellness benefits, our plans support you at every stage of life.

TATA AIG Medical Insurance Plan stands beside you through every challenge. With reliability, transparency and a commitment to your well-being, we help you live healthier and worry-free in the city of Delhi.