Health Insurance in Jharkhand

Helps with Lifestyle Diseases

Lifestyle diseases have become more prevalent in Jharkhand. According to the National Health Mission, non-communicable diseases account for 53.52% of disability-adjusted life years (DALYs), with heart diseases, pulmonary diseases, and diabetes being the major causes of fatalities. A health insurance plan can cover medical treatment for these diseases.

Provides Essential Financial Protection

Health insurance plans provide financial security by covering the expenses of medical tests, treatment, consultations and pre- and post-hospitalisation costs. It provides necessary financial support covering these expenses during emergencies and keeps your hard-earned savings from being depleted.

Deals with Medical Inflation

Healthcare costs have been rising across the country, including in Jharkhand. As healthcare needs become more complex and the technology advances, the prices of treatments and medications are likely to trend upward. Health insurance in Jharkhand mitigates the burden of medical inflation at affordable costs.

Safeguards Your Family’s Health

A health insurance policy can cover multiple family members under the same plan. It safeguards your family’s health by covering essential medical expenses, emergencies, and maternity care. Some health insurance plans offer bonuses and discounts for adding multiple family members.

Comprehensive Medical Coverage

TATA AIG health plans cover an expansive range of diseases and medical expenses. Besides covering common respiratory and cardiovascular diseases, cancer and kidney failure, we cover preventive care, including health checkups, preventive consultations and wellness programmes.

Cashless Treatments

We have partnered with the leading medical institutions, multispeciality hospitals and diagnosis centres in all major cities, including Ranchi, Jamshedpur, Dhanbad, Deogarh, and Bokaro. You can get swift and seamless cashless coverage at our network hospitals. Our cashless facility is also available for non-network hospitals.

Affordable Premiums

With premiums starting at just ₹15/day, we offer the most affordable health insurance in Jharkhand. We also offer discounts of up to 10% based on policy tenure and up to 32% for including more family members. These discounts can stack and lead to substantial savings, alongside extensive medical coverage.

Automatic Restoration Benefit

The automatic restoration benefit refills or replenishes the sum insured amount that you have exhausted in the current policy period, subject to limits based on your chosen plan. This ensures you get continued medical coverage even after filing a health insurance claim.

Tax Benefits

The Indian Government offers several tax benefits under the Income Tax Act to incentivise Indians to buy health insurance. Section 80D offers tax deductions of ₹1 lakh for paying health insurance premiums for yourself, your family members and senior citizens.

Individual Health Insurance

Individual health insurance in Jharkhand provides personalised coverage for a single person. TATA AIG’s Individual Health Insurance Plan covers up to ₹3 crores* with lifetime renewability and is perfect for sole earners and professionals. It offers extensive and customisable coverage, including daycare procedures, wellness services, maternity expenses, global coverage, etc., based on your chosen plan.

Buy Individual Health Insurance

Critical Illness Health Insurance

A critical illness policy pays a predetermined lump sum upon the diagnosis of certain life-threatening diseases. TATA AIG’s Critical Illness Insurance covers up to 100* critical diseases, including cancer, heart diseases and stroke. It provides benefits like preventive health checkups, daily hospital cash, global coverage, and discounts for multi-year and multi-member plans.

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Senior Citizen Health Insurance

It provides specialised medical coverage for individuals above the age of 61 years. TATA AIG’s Senior Citizen Health Insurance provides coverage up to 25 lakhs* and several benefits for age-related conditions. This includes home physiotherapy, home nursing services, compassionate care for daily assistance, modifications for elderly care and wellness services.

Buy Senior Citizen Health Insurance

Family Health Insurance

Family health insurance in Jharkhand covers multiple family members under a single plan with a shared sum insured. TATA AIG’s Family Health Insurance covers up to 7 members with a sum insured of up to ₹3 crores* with family-based discounts. We offer lifetime renewability, day one coverage for accidents, up to 50% cumulative bonus and no pre-policy checkups.

Buy Family Health Insurance

Super Top Up Health Insurance

Super top-up health insurance adds coverage to an existing base plan and activates when the limit of the base plan is depleted. TATA AIG’s Super Top Up Plan provides cost-effective medical coverage at a lower price compared to new individual plans. It covers ambulance charges, preventive health checkups, medical consumables, and more.

Buy Super Top Up Insurance

Arogya Sanjeevani Policy

This is a basic and standard health insurance plan available across the country under IRDAI guidelines. TATA AIG’s Arogya Sanjeevani Plan provides medical coverage up to ₹10 lakhs* with lifetime renewability and cumulative bonus. It covers hospitalisation, pre- and post-hospitalisation daycare treatment, ambulance charges and other basic expenses.

Buy Arogya Sanjeevani Plan

Jharkhand Health Insurance Inclusions

• Hospitalisation Expenses: Covers all necessary expenses, including room rent, OT charges, consultations and medicines, incurred during a hospital admission.
• Daycare Treatment: This includes minor procedures that require less than 24 hours of hospitalisation.
• AYUSH Cover: Covers alternative treatments under disciplines like Ayurveda, Unani, Yoga, Siddha and Homoeopathy.
• Pre and Post Hospitalisation Expenses: Covers expenses like consultations and medicines for a certain number of days as per your chosen plan.
• Preventive Health Checkups: This covers certain medical tests on a cashless basis at authorised diagnostic centres, subject to policy limits.
• Ambulance Charges: It pays for transporting the insured person to a hospital during emergencies or hospital-to-hospital transfer.
• Global Cover: Pays for medical expenses (inpatient and daycare) at foreign hospitals for illnesses diagnosed in India.
• Outpatient Treatment: Includes medically necessary dental treatment and other medical expenses as per your chosen plan/rider.

Jharkhand Health Insurance Exclusions

• Cosmetic/Plastic Surgery: Cosmetic or plastic surgery to change one’s appearance is not covered unless medically necessary.
• Unproven Treatments: Treatments and services that do not have any medical documentation to prove their effectiveness are excluded.
• Adventure Sports: Injuries due to participation in hazardous sports like rock climbing, para-jumping, sky-gliding, etc., are not covered.
• Self-Inflicted Injuries: Injuries due to suicide attempts and self-inflicted injuries are excluded.
• Illegal Activities: Medical expenses incurred from committing or attempting to commit any illegal/criminal activities are excluded.

Disclaimer: The above lists are not exhaustive, and the inclusions/exclusions are subject to policy terms and conditions. For more details, read the Policy Wording document.

• Look for Adequate Coverage: First, decide the sum insured amount you require based on the number of people you want to cover, their age, city of residence and healthcare needs (based on their medical history). Also consider medical inflation for the minimum coverage.
• Compare Costs and Benefits: Compare the prices of different plans against their sum insured limits and coverage options. You can use a health insurance premium calculator to estimate premium costs for different plans.
• Check the Riders/Add-Ons: A good health insurance plan should either have the coverage you need or riders/add-ons that let you customise your plan. Depending on your medical needs, you may want add-ons covering maternal care, medical consumables, global treatments, critical illness and hospital cash.
• Find Plans with Zero Sub-Limits: The best health insurance in Jharkhand shouldn’t have sub-limits on room rent or co-payment clauses. While sub-limits cap your coverage on various expenses, a co-payment requires you to cover a certain percentage of medical expenses before the insurance covers the rest.
• Opt for Lower Waiting Periods: Since you don’t get any medical coverage during the waiting period, find plans that don’t require you to wait for long. Prioritise plans offering day one coverage for accidents and less than three years for pre-existing diseases.

The TATA Promise

As a part of the TATA Group, a household name with a 150-year legacy, you can rest assured that your health and finances will be taken care of. We have 25+ years of history as an insurance provider and a record of serving the needs of 5+ crore customers.

Easy Cashless Hospitalisation

When you buy health insurance from TATA AIG, you get access to a wide-reaching hospital network, where you don’t have to file or follow up on claims. However, if you cannot find a network hospital, you can go to any reputable hospital in Jharkhand, and still enjoy cashless claims for your admissible bills.

Hassle-free Claims

Settling claims with the best health insurance is easy, quick, digital and paperless. You can get fully cashless treatment or reimbursement with a few basic documents. If you are stuck at any part of the process, we have a dedicated team of 750+ professionals to help you with queries and claims.

Substantial Cumulative Bonus

Our Jharkhand health insurance plans come with attractive benefits, including a cumulative bonus for every claim-free year. Every policy year, you can receive between 10%-50% up to 100% of the sum insured. With this, the coverage of your medical plan increases every year without any subsequent increase in premium.

Safe and Secure Plans

At TATA AIG, we greatly value your safety and security. That’s why we keep all your personal and financial data safe and encrypted during all processes. We also ensure complete transparency with our policies, providing all important details on our website and your policy wording document.

• 100% Paperless Policies: In today’s digital world, we make sure that you don’t need any physical documents for verification and filing claims. As soon as you purchase a policy, digital soft copies of the policy documents are sent instantly to your email.
• Online Comparison Tools: Our online comparison tools and calculators make it easy to compare multiple options and do cost-benefit analysis. Compare health insurance plans side-by-side against each other and choose the best plan.
• Direct Access to Experts: When you buy the best health insurance in Jharkhand, you get 24/7 customer assistance, even in the middle of the night. Get immediate help regarding policy terms, queries, features, add-ons or medical emergencies without hesitation.
• Instant Issuance: Whether you buy a new policy or renew your existing TATA AIG plan, we make sure to instantly issue your policy and send insurance documents. You can log in to the TATA AIG portal to view policy information, manage plans and raise claims.

Step 1: Scroll to the top and click on the button labelled ‘Click here to check prices’.

Step 2: Choose the number of family members and click on ‘Get Plan’.

Step 3: Once prompted, enter the required details, including your PIN code, mobile number, date of birth, email address and other information.

Step 4: Once we show you the available Jharkhand health insurance plans, read the policy wording and take your pick.

Step 5: Enter the sum insured and policy tenure. After confirming, make the payment online to buy health insurance from TATA AIG.

Step 1: Find the ‘Renewal’ menu at the top of this page. Click on ‘Health’ from the drop-down options.

Step 2: Type in your existing policy number and click on ‘Renew’.

Step 3: Review your updated policy details. Modify the coverage and include add-ons as per your needs.

Step 4: Pay the renewal premium to renew your health insurance plan.

Cashless Claim-Non Emergency Process

Step 1: Inform TATA AIG at least 48 hours in advance before your planned hospitalisation. You can send the cashless claim form via email or a letter.

Step 2: Wait to receive our confirmation letter and hospital confirmation. Upon receipt, book your hospital appointment.

Step 3: Go to the hospital and submit your health card and confirmation letter at the insurance/reception desk. We will take care of the rest.

Cashless Claim- Emergency Process

Step 1: Get your unplanned treatment at any network or non-network hospital during an emergency.

Step 2: Within 24 hours of hospitalisation, submit the cashless claim form at the hospital so you can set the claim intimation number.

Step 3: Submit the required documents, including insurance card, policy documents, ID proof, etc. Then, wait for the authorisation letter, and we will take care of the rest.

Reimbursement Claim Process

Step 1: Pay for the hospital bills out of your own pocket and collect important hospital documents, including bills, receipts and reports.

Step 2: Fill out and submit the reimbursement claim form on our claims support portal or customer support helpline (022 6489 8282). Submit all supporting documents with your application.

Step 3: After processing your claim and verifying all documents, we will send the reimbursement amount straight to your account.

Since the GIC (General Insurance Council) 2024 announcement, we have offered the cashless treatment facility at any hospital across India, network or non-network. We have streamlined our cashless facility in a way that it takes one hour to address your initial request and three hours from a discharge request to provide final authorisation.

To claim cashless treatment, send the SMS “GetCashlessPolicy NumberCity” to 7669300780 from your registered mobile. Once our representative calls, talk with them to make your request. We also have many network hospitals in Jharkhand, including 49 hospitals in Ranchi, 22 in Bokaro, 10 in Jamshedpur, and 5 providers in Dhanbad. Find it from our cashless hospital list.