Health Insurance in Kollam

Various factors play a role in the increasing health issues in urban populations. In a city like Kollam, where a fast-paced work culture is paired with increasing pollution due to rapid urbanisation, stress and pollution catalyse the damage caused by lifestyle choices.

Here, the importance of health insurance in Kollam becomes even more paramount. A health insurance plan ensures that you receive the required medical facilities without facing the financial burden of unexpected medical expenses in an emergency.

Choosing the best mediclaim policy for family in Kollam will protect you and your loved ones in the face of adversities. Investing in the right kind of family health insurance helps you acquire coverage that is tailored to your specific health requirements.

To ensure, you have the flexibility to choose the best health insurance in Kollam as per your needs, Tata AIG provides a range of medical insurance plans to choose from:

Individual Health Insurance Plan

• An Individual Health Insurance Plan, as its name suggests, provides medical coverage on an individual basis. This allows for the customisation of the policy based on individual health requirements.

• It covers emergency expenses like hospitalisation, daycare, and ambulance services. Unlike family plans, the premiums and coverage of this policy cannot be shared among family members.

Advantages of an Individual Health Insurance Plan:

• The sole coverage ensures that the funds are for the insured individual.

• It is ideal for senior citizens.

• It provides coverage up to ₹1 Crore.

• It offers add-ons like outpatient and maternity coverage.

• It also offers multiple claims.

• It provides a family discount.

• It also provides the benefit of a cumulative bonus.

• It offers the option of lifetime renewability.

• There are tax advantages to this plan under the Section 80D of ITR.

• Browse through our Tata AIG Medicare for details on various types of Individual Health Insurance Plan to choose one that fits your requirements.

Family Health Insurance Plan

• A Family Health Insurance Plan, also known as a Family Floater Health Insurance Plan, safeguards your entire family under one policy plan. It covers spouses, children and parents under a single premium.

• It can be customised to individual needs and covers pre and post-hospitalisation, critical illnesses, and medical check-ups.

Advantages of a Family Health Insurance Plan:

• It offers the convenience of covering all family members under one policy.

• It ensures comprehensive coverage for medical expenses, including pre-existing conditions.

• It ensures a smoother claim settlement process with higher sum insured options.

• It simplifies insurance management and reduces overall costs.

• Browse through our Tata AIG Medicare for details on the wide range of Family Health Insurance Plans available for the financial protection of your beloveds.

Senior Citizen Health Insurance Plan

• A Senior Citizen Health Insurance Plan provides financial aid for those aged 61 and above. It covers the medical needs tailored to the age of the senior citizen in question.

• In cases of refusal, the insurance provider is required to cite specific reasons such as fraud, misrepresentation, or moral hazard as per the IRDAI regulations.

Advantages of a Senior Citizen Health Insurance Plan:

• It offers cashless facilities at over 10,000 network hospitals nationwide. Cashless treatment can also be availed at non-network hospitals with Tata AIG.

• It also covers ambulance costs.

• It ensures paperless claims.

• It provides tax benefits under the section 80D of ITR.

• It offers a cumulative bonus of up to 100% of the sum insured.

• Browse through our Tata AIG Elder Care for further details of a Senior Citizen Health Insurance Plan available for the financial protection of senior citizens.

Critical Illness Plan

• A Critical Illness Plan provides coverage for major ailments like cancer, stroke, and paralysis. Under this policy, Tata AIG offers comprehensive protection against critical illnesses and ensures financial security in the face of medical emergencies.

Advantages of a Critical Illness Plan:

• It offers vital financial support during medical emergencies.

• It provides lump-sum payouts for various illnesses covered under the policy.

• It substitutes lost income during treatment.

• It ensures affordable premiums.

• It provides tax benefits under Section 80D of ITR.

• Browse through our Critical Illness Plan for further details of the coverage provided under this essential policy.

Super Top-Up Health Insurance

• A Super Top-Up Health Insurance Plan provides extra coverage that goes beyond standard health insurance. Unlike standard policies that provide deductibles per claim, it offers the benefits of aggregate deductibles if the total claims in a year exceed the deductibles.

Advantages of a Super Top-Up Health Insurance Plan:

• It offers comprehensive coverage for various treatments with no sub-limits unless explicitly specified.

• It offers cashless claims at a hospital of the policyholder’s choice.

• It provides lifelong renewals regardless of age.

• It offers consumables benefits.

• It provides a cumulative bonus.

• It offers tax deductions up to ₹ 75000.

• It also offers the choice of an optional global cover for treatment abroad.

• Browse through our Tata AIG Medicare Plus for more details on Super Top-Up Health Insurance Plans.

Understanding details like the inclusions and exclusions of a health insurance plan is crucial when it comes to maximising financial support under its comprehensive coverage.

Most insurance providers offer plans that encompass essential aspects of medical treatments. However, certain exclusions need to be kept in mind.

Medical Insurance Inclusions

Hospitalisation Costs Coverage - Medical insurance policies generally offer financial assistance for expenses like consultation fees, nursing fees, hospitalisation costs as well as room charges incurred during a hospital stay. This ensures comprehensive financial support during medical treatments.

Pre and Post-Hospitalisation Costs Coverage - Various medical insurance policies extend their coverage to pre and post-hospitalisation expenses. These encompass expenses like medication costs, diagnostic tests and follow-up consultations, easing the financial burden of medical care before and after hospitalisation.

Daycare Procedure Coverage - Certain medical insurance policies include specific coverage for daycare procedures. These include procedures such as chemotherapy or cataract surgery which do not necessarily require prolonged hospital stays but are crucial for treatment and recovery. This enhances the accessibility of essential healthcare services while also relieving the financial burden during stressful times.

Ambulance Costs Coverage - Various medical insurance policies often cover ambulance charges, which ensures timely access to essential medical care during critical situations. This relieves the financial concerns associated with the cost of transportation to essential medical care.

Pre-existing diseases Coverage: Nearly all medical insurance policies offer coverage for pre-existing illnesses after a waiting period. This enables individuals with existing health conditions to manage their medical expenses efficiently while also providing them with access to essential medical care.

Medical Insurance Exclusions

Unrevealed health conditions: The full disclosure of health conditions is essential when purchasing a health insurance plan. Failure to disclose such conditions may lead to their exclusion from policy coverage.

Pre-existing diseases before the waiting period: The medical expenditures related to pre-existing diseases incurred before the waiting period are not covered as medical insurance policies generally cover pre-existing diseases only after specific waiting periods.

Cosmetic procedures: The medical insurance policies focus only on medical necessities as opposed to cosmetic enhancements. Hence, such policies do not provide coverage for cosmetic treatments or procedures performed solely for aesthetic purposes.

Self-inflicted injuries - The medical insurance policies exclude any injuries incurred due to intentional self-harm or substance abuse.

Assess your coverage needs:

Determine what type of comprehensive or specific medical insurance aligns with your specific healthcare requirements.

Compare various insurance providers:

Researching and shortlisting insurance providers can help you compare plans based on factors like coverage extent, premium rates and additional benefits.

Evaluate the details of inclusions and exclusions:

Confirming whether the policy’s coverage aligns with your expected medical expenses helps ensure you choose the right policy for the coverage you require.

Check the claims settlement rate:

Prioritising insurance with high claim settlement ratios ensures you experience prompt and efficient processing of claims during any medical emergencies.

Acquire multiple quotes:

Requesting quotes from multiple insurance providers and comparing them for their premium rates and affordability helps find coverage with affordable premium costs.

Use health insurance calculators:

Using health insurance calculators to estimate premium rates more accurately helps make more informed financial decisions.

Choose broader coverage:

Assessing the cover provision for hospitalisation, outpatient services, diagnostic tests, and medications helps cover alternative treatments and wellness programs.

Verify the availability of network hospitals:

Ensure the insurance policy provides convenient access to quality healthcare through its network of hospitals and healthcare providers that are affiliated with the insurance provider.

Quick Processing:

Purchasing a medical insurance policy online offers the benefit of a quicker, smoother and more transparent process compared to that of offline methods. It not only saves time but also money and effort.

Convenient Comparison of policies:

The online purchase gives you the opportunity to access multiple plans online and compare them for the coverage, sum insured as well as premium rates. This not only ensures you make informed financial decisions but also helps you choose a policy that aligns with your health insurance needs.

Prompt Expert Assistance:

A great benefit of purchasing health insurance plans online is the availability of assistance from experts who are readily available via various modes of communication. This ensures that all your claim-related and insurance-related processes go smoothly without any stress regarding the matter.

Elimination of Health Check-Ups:

Purchasing medical insurance online often eliminates the need for a health check-up which helps simplify the entire process and speeds up the policy issuance.

Paperless Processes:

Since purchasing insurance online is an entirely digital process, you receive your policy electronically via email, reducing the environmental impact of the process.

Consumables Cover:

Tata AIG’s medical insurance provides a Consumables Cover that helps cover the cost of surgical and medical consumables or equipment used during hospitalisation. This eases the financial burden related to surgery costs.

Worldwide Cover:

Tata AIG’s health insurance plans also provide coverage for medical treatment overseas. This coverage is useful for individuals seeking medical treatment abroad for critical illnesses.

Maternity Cover:

Another important cover under Tata AIG’s health insurance is the coverage for maternity expenses. Although the coverage is valid after a waiting period, it also includes increased coverage for newborn baby girls.

Newborn Cover:

Tata AIG’s medical covers include coverage for medical treatments required for newborn babies for complications that may arise from complications during delivery.

OPD Cover:

Another cover under Tata AIG’s health insurance is the coverage of medical consultation, and medication costs up to a certain limit for each policy year after a specific waiting period.

Hassle-free Claim Process:

Tata AIG also offers a seamless online claims process for its policies which ensures timely settlement with the requirement of minimal paperwork.

Automatic Restoration:

The sum insured in Tata AIG’s medical plans is automatically refilled in the case of exhaustion due to a health emergency. This ensures you receive continuous coverage.

Cumulative Bonus:

Tata AIG offers a bonus for claim-free years which enhances the sum insured without increasing the premium rates.

When browsing on the internet for health insurance near me, may it be for renewal or a new purchase for the best mediclaim policy in Kollam, Tata AIG is the answer to all of your grievances. With our user-friendly website, you can easily buy or renew an existing policy by following these easy Steps:

How to Buy Tata AIG’s Health Insurance in Kollam?

Step 1: Navigate to our official website and click on the option of ‘All Products’.

Step 2: Choose between Medicare, Medicare Plus and Eldercare plans available.

Step 3: Select the number of individuals you would like to insure and click on the “Get plan” option.

Step 4: Enter your basic details, such as your name, date of birth, mobile number, etc.

Step 5: Follow the directions to get a quote for your health insurance policy.

Step 6: Pay the premium if you are satisfied.

How to Renew Tata AIG’s Health Insurance in Kollam?

Step 1: Navigate to our official website, click on the “Renewal” tab and select “Health”.

Step 2: Enter your policy number and other required details.

Step 3: Pay the premium online to renew your health insurance policy.

Documents Required to Buy Tata AIG Health Insurance in Kollam

• A filled proposal form.

• Proof of Identity in the form of a PAN Card, Aadhar Card, etc.

• Proof of Address in the form of an Aadhar Card, Voter ID Card, etc.

• Proof of Income in the form of Bank statements, salary slips etc.

• A cancelled cheque.

Similar to the seamless buying and renewal processes that are available online, you can also make your claims online with the Tata AIG website. Just follow the simple Steps below:

How to File a Cashless Claim?

Step 1: Navigate to the Claims page or call our 24 x 7 customer helpline number to inform us about the claim

Step 2: Wait for the confirmation letter from our end

Step 3: Once you receive the confirmation letter, submit it at the hospital

Step 4: We will take care of your entire hospitalisation expenses

How to File a Reimbursement Claim?

Step 1: Go to the Claims page and fill out an online reimbursement claim form on our website

Step 2: Submit the required documents

Step 3: Upon successful verification, we will disburse the reimbursement amount to your bank account

Documents Required for Reimbursement Claim

• A filled claim form.

• A copy of your health insurance policy.

• A medical certificate signed by the doctor.

• Relevant pathology reports.

• A copy of the hospital discharge card.

• Proof of the expenses, such as hospital and pharmacy bills.

• A cancelled cheque.

The General Insurance Council (GIC) recently implemented the ‘Cashless Everywhere’ initiative. With this, all Tata AIG policyholders, including family health insurance policyholders in Kollam can now avail of cashless treatment at any hospital regardless of their affiliation with the network.

With this benefit, all policyholders of Tata AIG’s health insurance policies can enjoy stress-free medical care at the hospital of their choice without the financial burden that comes with medical costs.

So if you're in Kollam or anywhere else in India, you can now claim cashless treatment at any hospital of your choice.