Health Insurance in Goa

Deals with Lifestyle Complications

Several factors, including increasing pollution, poor nutrition, alcohol consumption and mental stress, are causing lifestyle complications among both older and younger people in Goa. Conditions, such as high cholesterol, diabetes, obesity and fatty liver diseases, are on the rise in the state, especially among younger people. Goa health insurance helps to cover the treatment of these diseases.

Treatment of Serious Diseases

Goa faces a serious healthcare challenge as many people are afflicted with serious and life-threatening conditions, such as cancer, tuberculosis, liver cirrhosis, and cardiovascular diseases. These diseases carry the risk of death and cost a lot of money for long-term treatment. A high risk of these diseases is a good reason to get a health insurance plan in Goa.

Meets Rising Medical Costs

Even in Goa, where healthcare is relatively affordable, the cost of hospitalisation, complex surgeries and quality treatment at private hospitals is quite high. Moreover, medical inflation (rise in medical expenses) in recent years has been too expensive for the average Goan to keep up with. Health insurance helps mitigate the effects of medical inflation.

Safeguards Your Savings

Medical treatments can be expensive, especially when you want high-quality care. If you or your loved ones get admitted to a hospital in Goa, the resulting bills can drain your savings in no time. This can hamper your long-term financial plan and put you in a debt burden. Having a health insurance plan can protect your finances from medical emergencies.

Protects Your Loved Ones

If medical expenses for just yourself can be an expensive affair, you may want financial support to cover your spouse, children, parents and other family members. Family health insurance Goa makes it easy and affordable to cover several dependents through a single plan. It’s necessary when you are the sole breadwinner.

Hospitalisation Coverage

Most health insurance plans cover hospitalisation expenses to some extent. At TATA AIG, we cover all sorts of expenses incurred upon hospitalisation, including doctors’ fees, surgery fees, specialist fees, ICU expenses, medicines, diagnostics, nursing fees, blood, oxygen, and medical equipment. As long as they are medically necessary, we cover them.

Pre and Post Hospitalisation Coverage

The best health insurance in Goa covers expenses even before and after your hospital admission. While pre-hospitalisation cover includes consultations, medicines and diagnostic tests before your hospital admission, post-hospitalisation cover provides post-operative care after your discharge, helping you make a full recovery.

Attractive Cumulative Bonus

At TATA AIG, we understand how much you love bonuses, and our health insurance in Goa offers just that. For every claim-free year, our Cumulative Bonus increases your sum insured amount between 10% and 50%. This increases your health insurance coverage every year till its 100%, or double the starting amount, without any increase in premiums.

Automatic Restoration of Coverage

While every health insurance plan provides financial protection, our plans offer double the protection with automatic restoration. Our automatic restoration benefit refills and restores the basic sum insured and cumulative bonus if you have exhausted your existing medical coverage. This is useful when you have a severe medical condition that requires multiple hospitalisations.

Customisable Coverage with Add-Ons

One of the biggest benefits of TATA AIG’s Medical Insurance policy is that you can customise it to fit your and your family’s exact medical needs. You can opt for add-ons or riders, such as maternity cover, OPD cover, consumables benefit, accident cover and annual checkups to enhance your health insurance coverage.

Tax Benefits

Buying health insurance not only provides financial security but also tax benefits under Section 80D of the Income Tax Act. The premiums that you pay to get health insurance for yourself and your family members are deducted from your taxable income up to ₹1 lakh in a financial year. You can also get up to ₹5000 in deductions on preventive health checkups.

Individual Health Plans

TATA AIG’s Individual Health Plan covers a single individual with a sum insured of up to ₹3 crores* and lifelong renewability. Individual plans are designed to provide optimal and customisable coverage to a single person. Some of the reasons to select our individual plan are its global coverage, high-end diagnosis, restoration benefits and the option to cover spouse and children.

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Senior Citizens’ Health Plans

The Senior Citizen Health Insurance plan is designed for individuals above the age of 61 in Goa. As the elderly are more susceptible to illnesses, our senior citizens’ plan offers specialised coverage up to 25 lakhs* with critical illness coverage, preventive health checkups and health consultations. Other important features include home physiotherapy sessions, wellness sessions, home assessment and disability care.

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Critical Illness Insurance Plans

TATA AIG’s Critical Illness Plan offers coverage against life-threatening diseases such as cancer, kidney failure, stroke, etc. The sum insured is paid in a lump sum of up to ₹2 crores that can be used to cover any treatment costs or household expenses with zero restrictions. Some of its notable features are preventive health checkups, global coverage, lifelong renewals and discounts for long- term plans.

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Family Floater Health Plans

Under our Family Health Insurance Goa, an entire family up to 7 members is covered under a single policy. Family floater plans carry lower prices than individual plans for each member, with discounts of up to 32% from TATA AIG. Get our family floater plan for benefits like no pre-policy checkups, cumulative bonus, global coverage, wellness services, and more.

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Super Top-Up Health Plans

If you already have a health plan, our Super Top-Up Health Plan is the best option to enhance its coverage at an affordable price with no age restrictions. Its coverage activates when you have exhausted the limits of your base health plan, ensuring you always have medical coverage. Its notable features include consumables coverage, AYUSH treatments, and optional global coverage.

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Arogya Sanjeevani Plans

If you are looking for basic health insurance in Goa, the Arogya Sanjeevani Plan provides essential medical coverage at the most affordable costs. With it, you can get hospitalisation expenses, pre- and post-hospitalisation expenses, AYUSH treatments and other expenses, within a sum insured limit of ₹10 lakh. Other features include lifetime renewability and flexible premium payout options.

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Disclaimer: The above features and benefits are subject to terms and conditions. Please read through the Policy Wording document for more details.

Medical Insurance Inclusions

• Inpatient Hospitalisation: If the insured member is admitted to the hospital for at least 24 hours, our health plan covers inpatient expenses, including room rent, ICU treatment, medicines, diagnostic tests, consultation, etc.
• Pre-Existing Conditions: We provide coverage for pre-existing ailments after a waiting period of 2-4 years.
• Pre- and Post-Hospitalisation: Pre-hospitalisation expenses cover consultation, diagnosis, medicines, etc., while post-hospitalisation expenses cover follow-up consultations, medications, physiotherapy, etc. The number of days of medical coverage depends on your chosen plan.
• Daycare Treatments: Certain health conditions don’t need hospitalisation for more than 24 hours. At TATA AIG, we cover more than 540 such daycare procedures.
• Annual Checkups: Policyholders can also avail of preventive annual health checkups, up to a certain limit based on their chosen plan.
• AYUSH Treatment: In addition to modern medicine, our medical insurance policy will provide coverage for alternative medicine treatments, collectively known as AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homoeopathy).
• Domiciliary Treatment: This covers at-home treatments in cases where hospital beds are unavailable or the insured member has a specific medical condition.
• Global Cover: With the best health insurance in India, you get coverage for medical expenses for planned hospitalisation at international hospitals. The disease/condition must have been diagnosed in India.
• Consumables Cover: Some of our plans cover the cost of medical and surgical consumables billed during your hospital stay. The Consumables Cover pays for products and equipment used during a hospitalisation or surgical procedure.
• Maternity Cover: Some TATA AIG’s health plans cover maternity expenses, including delivery procedures, pre- and post-natal care and complications. The limit of these expenses depends on your chosen plan or add-on.

Medical Insurance Exclusions

• Cosmetic Surgery: Hygiene-related therapies and cosmetic surgeries are not covered under health insurance.
• Dental and Auditory: Outpatient procedures such as dental and auditory treatments are not covered by our health plans, with some exceptions.
• Self-inflicted Injury or Suicide Attempt: If the patient has intentionally injured themselves or attempted to commit suicide, the treatment is not covered under insurance. Misuse of intoxicating substances is also not covered under insurance.
• Specific Illnesses: Certain illnesses are not covered by insurance, such as congenital diseases or genetic disorders, STDs, infertility treatments, voluntary abortions, etc.
• Supplements and Vitamins: Dietary supplements, vitamins, minerals and other substances are not included in the plan, unless they are prescribed by a qualified physician during hospitalisation or daycare treatment.

Disclaimer: The above inclusions and exclusions are subject to limitations, terms and conditions. Read the Policy Wording document carefully.

Assess the Policy Coverage

The best health insurance in India offers coverage against diverse health concerns and also covers pre and post-hospitalisation cover, ambulance charges, cashless treatment, etc. Ensure that the sum insured amount and limits for different coverage options are sufficient for you and your family members.

Look for Flexible Plans

Your policy should be flexible enough for you to add a new family member to your plan. A flexible plan should also offer a wide range of riders or add-ons, allowing you to customise your coverage so that you only pay for what you want.

Find the Shortest Waiting Period

Keep an eye out for the waiting period on maternity expenses, pre-existing ailments, and specific health conditions. The lower the waiting period for your Goa health insurance, the sooner you will get the coverage of the policy.

Avoid Plans with Co-Payment

This is a percentage of the amount that the policyholder is liable to pay from their pocket. Some policies come with a co-payment clause, which makes it more expensive to settle a claim. However, it may also lower your premium costs, so make your choice wisely.

Get Lifetime Renewability

Health insurance gets more expensive as you grow older, so look for a lifetime renewability plan that will cover you for the later years of your life. It also helps to choose plans with high upper age limits, as you can continue your health insurance coverage for a longer time.

Find an Insurer with the Highest CSR

Check the Claim Settlement Ratio (CSR) of the health insurance provider and compare it against the competitors. CSR is the claims settled against the claims received. So, a higher CSR indicates a greater probability of getting your claims settled.

Hassle-free Claim Process

At TATA AIG, we ensure a seamless claim-filing and settlement process so you can quickly access medical treatment in Goa. We offer both a cashless claim process that you complete online at our website and a reimbursement process as an alternative. All processes are digital and don’t require complex paperwork.

Trust of the TATA Group

As a part of the TATA Group, our health insurance policies come with the 150-year-old legacy and heritage of the TATA name, known to every Indian. We have a rich history of providing insurance policies and fulfilling claims for more than 25 years. When you select TATA AIG, you are assured of the same reliability and trustworthiness that has served 5+ crore customers.

High Claim Settlement Ratio

If you are looking for the best health insurance Goa, you will want an insurance provider that ensures to fulfil any and all valid claims. Our Claim Settlement Ratio (number of claims settled versus claims received) has been exceptionally high over many years, meaning you can rest assured that you will get medical coverage during your time of need.

Wide-Reaching Network

Getting cashless claims with TATA AIG is very easy. We have an extensive network of 12,000+ cashless network hospitals that include the biggest and most reputable hospitals in India, where you can get the fastest claim settlements. If you can’t go to a network hospital, you can still get cashless treatment at any hospital across the country.

Higher Coverage for Lower Prices

At TATA AIG, you can buy health insurance Goa at some of the most affordable prices in the state, with attractive discounts. At the same time, you will find that we never compromise on the health coverage we provide or the quality of our services. We also offer rewards upon renewals, increasing your coverage every year.

Completely Paperless Process

When you buy online health insurance from TATA AIG, you avoid the hassles of complex paperwork and physical procedures. Everything is online, from buying and renewing policies to filing claims. We also provide soft copies of all policy documents, which you can access at any time and from anywhere.

Online Comparison Tools

Before you buy health insurance Goa, you can easily compare the features, sum insured and other details of different plans using our comparison tool. We also provide an online premium calculator you can use to compare costs and find the most affordable plan. Doing a detailed comparative analysis lets you find the perfect health insurance plan.

Instant Purchases and Renewals

Our digital portal supports instant purchases and renewals with zero hassles. You can compare health insurance plans, get premium quotes and complete your purchases almost instantly with minimal paperwork.

24/7 Expert Support

Connect online or via our helpline with our 24x7 customer support team to get help regarding policy features, queries, complaints or claim settlement. With a dedicated team of 650+ experts, help is always at your fingertips.

Step 1: Visit the official TATA AIG website and select “Health Insurance” under the “Personal” menu.

Step 2: Add the number of family members you want to include and click on “Get Plan”.

Step 3: Share your contact information, age of insured persons, medical history, pre-existing illness and other required information.

Step 4: Check the top health plans in Goa. Choose the medical insurance policy that is aligned with your healthcare requirements.

Step 5: Complete your payment to complete your purchase of online health insurance Goa. Your health insurance plan will be issued almost instantaneously.

Step 1: Visit the TATA AIG website, click on “Renewal” and then select “Health.”

Step 2: Share your contact information along with your policy number and other essential details. Then, click on “Renew”.

Step 3: Check the existing details for health policy renewal Goa. You can even enhance your policy with add-ons; however, this will slightly increase your premium.

Step 4: Once you successfully clear the premium payment, your policy will be renewed.

Cashless Claim Process- Non Emergency

Step 1: Initiate a cashless claim on our claim page or give us a call to notify us.

Step 2: Look for a hospital of your choice in Goa and inform us within 48 hours of your planned hospitalisation. Wait till you get our confirmation letter.

Step 3: Submit the confirmation letter and your health card at the insurance desk of the hospital before getting admitted. Once your application is approved, you can receive cashless treatment at the hospital.

Cashless Claim Process- Emergency

Step 1: Get admitted to any network or non-network hospital for unscheduled treatment.

Step 2: Within 24 hours of getting hospitalised, submit your cashless claim form with your policy documents, health insurance card and identification documents.

We will issue the authorisation letter to the hospital and settle the bills after you receive medical treatment.

Reimbursement Claim Process

Step 1: Once you receive the necessary treatment, pay the bills from your pocket

Step 2: Raise a reimbursement claim by filling out the form and submitting all invoices, medical bills, prescriptions, and other essential documents.

Once your claims and documents have been verified, the process for reimbursement is initiated.

Documents Required for Reimbursement Claim

• A duly signed claim form (available on request or can be downloaded from our website)
• Medical reports and treatment details of the patient
• All medical bills, including consultation bills, pharmacy receipts, prescriptions, and any other payments made towards the treatment
• A certificate from the treating doctor that clearly indicates the medical procedures undertaken
• First Information Report (FIR) in case of accidents or theft
• A clear copy of your medical insurance policy
• Bank details for processing reimbursement payment
• Any additional documentation to support your claim

In its continued endeavour to facilitate insurance for people, the IRDAI has now made it possible for health insurance policyholders to get cashless treatment at any authorised hospital of their choice across the country, including Goa. With TATA AIG providing the Cashless Everywhere facility, you can go to any network or non-network hospital and get fully cashless medical treatment.

Follow these 4 simple steps to receive cashless treatment from TATA AIG at any hospital in Goa:

Step 1: Inform us within 48 hours of your scheduled hospitalisation or 24 hours after hospitalisation in an emergency.

Step 2: Get the SMS “GetCashless Policy No City” to 7669300780.

Step 3: Talk to our expert and file your cashless claim by telling them the essential details.

Step 4: Wait for hospital acceptance and request evaluation. Get admitted on your scheduled day with #GetCashless.