Health Insurance in Karnataka

For Financial Protection

In Karnataka, we see a high incidence of respiratory and water-borne diseases. This can lead to unexpected medical costs. Medical health insurance plans help you cover these expenses and secure the well-being of you and your family.

To Manage Rise in Lifestyle Diseases

The increase in lifestyle diseases owing to a sedentary lifestyle, unhealthy eating habits, and rising stress levels can lead to significant medical expenses. A health insurance policy allows you to cover these costs to the extent you need.

To Handle Medical Inflation

With the advancement in healthcare technology, medical expenses in Karnataka will continue to increase. This applies to both treatment and preventive healthcare. A health insurance policy helps cover these rising costs.

To Access Quality and Timely Healthcare Services

Karnataka reports a significant number of rabies cases that require immediate medical attention, especially for individuals with pre-existing illnesses. With adequate coverage under a health insurance policy, you don’t have to wait to access quality healthcare services.

Individual Health Insurance

Offers coverage against medical emergencies to a single individual.

The premium for this policy is determined by factors such as age, medical history, smoking habits and type of coverage. It is ideal for young individuals, salaried professionals, and others seeking exclusive coverage for critical illnesses.

Buy Individual Health Insurance

Family Floater Health Insurance

Provides health insurance coverage for an entire family, and the sum insured is shared equally among the members.

This covers your spouse, dependent children, parents, and parents-in-law under a single policy. It is highly cost-effective and suitable for families with dependent children and parents.

Buy Family Health Insurance

Senior Citizens Health Insurance

Curated for individuals above the age of 60.

It can be customised to offer extensive coverage for hospitalisation, annual health check-ups, critical illnesses and more. It is suitable for retired individuals, elderly people with pre-existing health conditions, and others having risk of critical illnesses.

Buy Senior Citizen Health Insurance

Super Top-up Health Insurance

Offers additional coverage if your existing sum insured gets exhausted.

This gets applied after a specific threshold limit, called the deductible limit, is reached and paid. It is beneficial to individuals who have a family medical history of critical illnesses or undergoing long-term treatments.

[Buy Super Top-Up Health Insurance](https://www.tataaig.com/health-insurance/medicare-plus)

• Inclusions

In-patient hospitalisation

Coverage for in-patient treatments such as tests, treatments, or medical procedures. This includes the cost of room, nursing, ICU, consultation, etc.

Pre- and post-hospitalisation

Coverage for medical expenses 60 days before and 90 days after hospitalisation. This includes medical bills, doctor's fees’ and treatment, follow-up appointments, and more

Daycare services

Coverage for healthcare services that don’t require the patient to be admitted to a facility for longer than 24 hours, such as cataract removal, dialysis, etc.

Preventive health check-ups

Coverage for annual physical examination to check your blood sugar, renal function, ECG, etc.

AYUSH benefit

Coverage for medical expenses related to Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homoeopathy.

Ambulance expenses

Coverage for expenses incurred towards transporting the insured individual to a hospital.

• Exclusions

Pre-existing ailments

Medical expenses incurred during the waiting period for pre-existing ailments, specified diseases, and maternity care are not covered.

Cosmetic or plastic surgery

Cosmetic surgeries are not covered unless it is medically necessary due to an accident.

Self-injury or attempted suicide

Medical expenses arising from intentional self-inflicted injuries or attempted suicide are not covered.

Specific treatments

Certain treatment procedures, such as for alcoholic pancreatitis, congenital diseases, sleep apnoea, and growth hormone therapy, are not covered.

Adventure sports

Medical expenses for any treatment of injuries resulting from participation in hazardous or adventure sports are not covered.

Alcohol and substance abuse

Treatment for any addictive conditions, such as alcoholism, drug or substance abuse, is not covered.

Please note: This is a general list of inclusions and exclusions. Please refer to your specific policy document for the complete list and specific terms and conditions.

Assess your Healthcare Needs

Consider factors such as age, family medical history, and lifestyle to identify potential health risks. For example, if any immediate family member has suffered from a critical illness like cancer, you may be at higher risk.

Determine Sum insured

Based on the identified health risks, determine the coverage amount that can adequately cover healthcare expenses in your locality in Karnataka. Review treatment costs in nearby hospitals and account for medical inflation.

Also read: How Much Health Insurance Do You Need?

Seek Broader coverage

Before finalising a plan, compare health insurance policies and choose a suitable policy that offers comprehensive coverage. If you are looking for the best mediclaim policy for your family in Karnataka, ensure the policy offers sufficient protection for every member.

Include Add-ons

Explore the list of add-on covers available to enhance your basic policy and get additional protection. TATA AIG offers a wide range of add-ons, such as the critical illness cover, inflation protection, and OPD care.

Check Waiting Period and Policy Conditions

Review the waiting periods for pre-existing ailments, specific diseases and maternity benefits. These typically range from two to three years. Also, review the policy inclusions and exclusions carefully to understand which expenses are covered and which are not.

Calculate Premium

Use our health insurance premium calculator to determine your premium. It is based on factors such as age, pre-existing illnesses, and your locality in Karnataka. Choose the best health insurance that offers adequate coverage at an affordable premium.

Affordable Premiums

Buy TATA AIG health insurance plans online starting at just ₹17 per month in a few simple steps.

Extensive Sum Insured

Select a sum insured with health insurance plans ranging from ₹5 lakhs to ₹3 Crores to ensure adequate protection.

Broad Range of Health Insurance Plans

Choose from a wide range of health insurance policy solutions to suit your specific healthcare needs.

Personalised Health Insurance Plans

Customise your health insurance policy to include only the coverage you need and pay just for that.

Variety of Add-ons

Enhance your policy by choosing add-ons from 30+ optional covers, including maternity cover, global cover for planned hospitalisation, and OPD dental care.

Wide-Ranging Day Care Procedures

Get coverage for over 540 day care procedures that require less than 24 hours of hospitalisation.

Global coverage

Access worldwide healthcare services for your ailments and ensure access to timely treatment and medications.

Discounts and Cumulative Bonus

Get up to 10% discount on long-term health insurance and up to 32% on family floater plans. Earn up to 50% cumulative bonus for claim-free years.

Wide Network of Hospitals

Benefit from cashless hospitalisation at 12,000+ hospitals across India with minimal documentation.

Digital Processes

Buy health insurance online in just a few simple steps and manage your policy through our TATA AIG app for personalised support.

Hassle-free Claim Settlements

Submit claims online and experience seamless claim settlements both for cashless and reimbursement claims.

Easy Comparison

Before investing in a health insurance plan, it is important to check the benefits, premiums, coverage, etc. It is easy to compare various plans online and make an informed decision.

Lower Premiums

The premiums for online plans are typically lower because you buy them directly. It saves you from paying the excess commission charges to be paid to your insurance agents.

Transparent

When you buy medical insurance online, all policy details are clearly disclosed, so you know exactly what you are signing up for. This can help you pick the best health insurance for yourself and plan your healthcare more efficiently.

Convenience and Instant Policy Issuance

When buying insurance online, you can buy a policy anytime, anywhere. This is particularly advantageous for those who have packed routines. And with online purchase, your policy is also issued instantly at your registered email address.

• Visit our official TATA AIG website and select ‘Health Insurance’ under the ‘Personal’ tab or navigate to the calculator at the top of this page.
• Provide the required details, select how many members you are going to buy insurance for and their respective ages.
• Enter your contact details, medical history, and pre-existing illness (if applicable).
• Choose an appropriate health insurance policy and include the required add-ons.
• Pay for the policy online, and once your application is approved, your health insurance policy will be sent to your registered email ID.

Documents Required to Buy Health Insurance

• Duly filled application form
• Age proof (birth certificate, 10th or 12th mark sheet, Aadhar card, etc.)
• Address proof (passport, utility bills, driver’s licence, etc.)
• ID proof (PAN card, Aadhar card, Voter ID, etc.)
• Medical reports
• Passport-size photographs
• A cancelled cheque

1. Visit our official TATA AIG website, click on ‘Renewal’ and then select ‘Health’.
2. Share your policy number and click on ‘Renew’.
3. Review your policy coverage and include add-ons to enhance protection.
4. Pay the premium payment, and your policy will be renewed.

Process for Cashless Claim Settlement

1. To avail of cashless claims, inform us 48 hours in advance in case of planned procedures and within 24 hours of admission in the case of emergency treatments.
2. Visit our claims page to initiate a cashless claim or notify us over a phone call. Refer to our contact us page for more details.
3. Carry the policy details of the patient before going to the hospital and present them at the insurance desk along with proof of identity and address.
4. Submit the pre-authorisation form. Once your application is approved, you can proceed with the treatment at the hospital.
5. At the time of discharge, submit your bills and medical reports to the hospital. We will settle the expenses directly with the hospital.

Process for Reimbursement Claim Settlement

1. Visit our claims page to initiate a reimbursement claim or notify us over a phone call. Refer to our contact us page for more details.
2. Inform us about when and where you intend to receive your medical treatment. Ensure that the hospital is approved by TATA AIG.
3. Receive the treatment. At the time of discharge, pay for the medical treatment costs upfront.
4. File for a reimbursement claim by filling out the form and submitting all invoices, medical bills, prescriptions, and other important documents.
5. Once the claim and the documents are verified, the process for reimbursement is initiated.

Documents Required for a Health Insurance Claim

• In-patient hospitalisation bills attested by the insured under the medical insurance
• Payment receipts
• Discharge card signed by the authority at the hospital/network hospital.
• Claim form containing the insured’s signature
• A valid medical investigation report
• The medical store receipts and the doctor’s prescription
• List of hospital consumables prescribed by the doctor with all details
• The present year’s copy of the third-party administrator’s (TPA) ID card
• Any other document as required by TPA
• Bills and receipts applicable to the doctor’s consultation

TATA AIG offers cashless claim settlement benefits at over 12,000 network hospitals across India.

Under the “Cashless Everywhere” initiative by the General Insurance Council (GIC) and the Insurance Regulatory and Development Authority of India (IRDAI), medical insurance holders can seek treatment at any network or authorised hospital of their preference across India.

With this initiative, the cashless benefit is no longer limited to our network hospitals. You can reach out to any nearby authorised hospital for cashless treatments.

To benefit from TATA AIG Cashless Everywhere via SMS, send “GetCashless Policy Number City” to 7669300780. Our representative will call you back.