Health Insurance in Lucknow

Sedentary lifestyles and hectic work schedules are among the primary causes of diseases such as heart ailments, hypertension, diabetes, etc., in Lucknow. While the city has an extensive healthcare infrastructure, the cost of medical facilities is very high, creating financial stress on the residents. To navigate through this scenario, the zone-based insurance structure is needed as it provides relief to the residents by offering affordable insurance.

Different cities are classified under different zones, such as zones 1, 2, 3, and so on. Urban areas fall under Zone 1 with high insurance premiums, while smaller cities fall under Zone 2 or 3, providing a more affordable insurance premium.

TATA AIG, being one of the most reliable companies, offers the best health insurance in Lucknow with zone-based pricing, allowing the residents to pay a fair and affordable premium.

Apart from offering basic health coverage, our plans also include global coverage for planned hospitalisation, wellness programs, emergency air ambulance, AYUSH cover, pre-existing illness cover, and much more.

TATA AIG offers various types of health insurance plans to match the requirements of different individuals. Here are the types of plans we offer:

Individual Health Insurance

Individual health insurance is suitable for individual health needs. It covers a single person under the policy, compensating for the medical expenses, pre- and post-hospitalisation charges, OPD treatment, emergency ambulance, etc. The premium for an individual plan is determined by the age, medical condition, etc., of the insured.

Family Floater Plan

The family health insurance plan covers all your family members (maximum 7) under a single plan. This includes your spouse, children, parents and even parents-in-law. It is a very beneficial plan as you have to pay a single premium for all the family members. The insurance coverage can be used by multiple family members simultaneously till the limit is exhausted.

Senior Citizen Insurance

Our TATA AIG Elder Care plan is health insurance for senior citizens designed for elderly citizens above 65 years of age. It includes multiple benefits such as in-patient treatment, pre- and post-hospitalisation expenses, high-end diagnostics, wellness programs, and much more.

Critical Illness Insurance

The TATA AIG Criti Medicare Plan is curated to provide the insured with a lump sum compensation for life-threatening diseases, such as kidney diseases, cancer, heart ailments, etc. This insurance is available as a standalone product, or you can combine it as a rider with your individual insurance plan.

Knowing the inclusions and exclusions of health insurance in Lucknow gives you clarity on what benefits you are entitled to under the policy and what is excluded.

Inclusions

• The best mediclaim policy for family covers the expenses of hospitalisation for in-patient treatment for the illness as per the policy.

• You also get compensation for pre-hospitalisation expenses as a part of the OPD treatment up to 60 days prior.

• The policy also includes accidental death benefits for the insured, up to the maximum amount mentioned in the policy.

• You may also get reimbursement for post-hospitalisation charges incurred after your treatment, such as doctor follow-ups, etc., up to 90 days.

• Some policies may also offer global cover benefits, which provide the expenses for treatment outside India up to the sum insured.

Exclusions

• Most insurance plans do not cover the treatment expenses of alcoholism, substance abuse, or addictive conditions.

• You may not be eligible for any benefit for treatment of congenital diseases that develop right after birth.

• The majority of the insurance policies exclude any cosmetic treatment and surgeries conducted to enhance beauty.

• There is no coverage for treatment of injuries that are self-inflicted, such as injuries due to suicide attempts, participation in harmful activities, etc.

Finding the best insurance company can be overwhelming, given the large number of providers present out there. Hence, consider a few factors beforehand so you can find the right insurance provider.

Assess Your Coverage Requirements

Start by assessing your coverage needs. Keep in mind your medical conditions, the number of members you want to insure, age, type of treatment facilities you want and other factors. Based on all these factors, you can choose a plan easily. We offer various types of plans with extensive and varying coverage to match your needs.

Set a Budget

Know your budget in advance so you can choose the best mediclaim policy in Lucknow that does not overshoot your finances and also provides you with extensive coverage. However, one must refrain from choosing very low-cost plans as the coverage may be insufficient. Opt for a company that offers affordable plans with adequate coverage.

Company Reputation

Choose an insurance company that has a good reputation and provides good customer service. You can find out a lot about an insurance company by reading online reviews, customer testimonials, etc.

Claim Settlement

Consider various aspects of a company’s claim settlement, such as the settlement ratio, the settlement procedure, claim assistance and so on. It is wiser to opt for a company with a simple and faster claim settlement process and adequate customer assistance during the settlement.

Policy Terms and Conditions

Be mindful of the terms and conditions of the policies offered by an insurance company, as they may significantly impact the insurance coverage and claim. Know about the waiting periods, the inclusions and exclusions, coverage extent and so on.

TATA AIG not only offers insurance protection but also makes your lives easier by offering an online health insurance plan in Lucknow. Using the online method, you can conveniently buy insurance plans. Here are some more benefits of online health insurance.

Saves Time

Our online medical insurance saves you time that may otherwise have been spent visiting the office and waiting in queues. You can buy an insurance plan from your house without stepping outside.

Simple Process

We offer a simple insurance purchase process which involves only a few steps. Thus, you are saved from lengthy form filling and complex steps to buy insurance.

Online Comparison

You can also benefit from online comparison as you can view the features and benefits of various plans at a glance and decide the best one for yourself.

Discounted Deals

Purchasing the best medical insurance in Lucknow online can also earn you discounted premiums. Thus, you can go to our official website and purchase health insurance and earn some discounts.

TATA AIG is a credible and customer-centric insurance company that caters to the healthcare needs of the people in Lucknow. We have tailored our insurance plans to suit the specific needs of the people so they can get the best medical attention.

Comprehensive Coverage

Our best health insurance plans offer comprehensive coverage, which includes basic in-patient treatment, post-hospitalisation expenses, daycare facilities, critical illness coverage, maternity benefits, pre-existing disease coverage, etc. Thus, we ensure that all your healthcare needs are met adequately.

Cashless Claims

We offer a cashless claim facility where you can get treatment at any hospital in Lucknow. When you opt for the cashless claim method, we settle the medical expenses directly with the hospital without you spending any money from your pocket.

Wellness Programs/Services

Being one of the top health insurance companies in Lucknow we ensure your well-being even outside a medical emergency. And for this, we provide wellness programs and services, under which we provide teleconsultation, ambulance booking, health risk assessment, wellness rewards, etc., to promote fitness and wellness.

Specialised Plans

Our specialised plans, such as TATA AIG Elder Care, TATA AIG Criti Medicare Plan, etc., are curated to address the specific health needs of the people in Lucknow. It ensures that you get coverage for all illnesses and at all ages so you can lead a healthy life.

Buying TATA AIG Health Insurance in Lucknow

• Visit the TATA AIG official website and choose ‘Health’ as the preferred option.

• Next, choose the number of people you want to add to the medical insurance plan and click ‘Get Plan.’

• On the next page, provide personal details, such as date of birth, email address, mobile number, etc., and click on ‘See Plan.’

• Choose from the various plan options that appear on the screen. You may also include some add-ons as per your needs.

• Proceed to pay the premium online and complete the transaction.

• Once the payment is made, we shall promptly issue the policy and send it to your registered email address.

Renewing TATA AIG Health Insurance in Lucknow

• On the TATA AIG website, click on Health and then click on the Renewal tab.

• Provide the policy number on the next page.

• Next, you can include add-ons, modify the plan, exclude the riders, etc.

• Once the revised premium appears on the screen, verify the plan and premium details carefully.

• Next, pay the premium using the online gateway and receive the policy on your email address.

Documents Needed to Buy Best Health Insurance in Lucknow

• Proposal form

• Age Proof- Birth certificate, Aadhar card, driving licence, etc.

• Residential Proof- Aadhar card, utility bills, etc.

• Passport-sized photograph

• Cancelled cheque

TATA AIG offers two ways to file a claim for health insurance in Lucknow. You can either opt for the reimbursement or the cashless claim method.

How to File a Reimbursement Claim?

Step 1: Inform us about the incident or event within 24 hours of its occurrence. You can inform us through email:** healthclaimsupport@tataaig.com, customer support- 022 6489 8282, or using our claims page.

[Note: In case of a planned treatment, inform us 48 hours in advance.]

Step 2: Go to any preferred hospital and get the treatment done.

Step 3: Pay for the treatment and collect all the original bills and invoices

Step 4: Submit a duly filled claims form to us along with all the original medical reports, bills, doctor fees, etc.

Step 5: We will verify the documents and the claim at our end.

Step 6: Upon successful verification, we will reimburse you with an amount as per the terms of the policy.

How to File a Cashless Claim?

Step 1: Inform us about the emergency using one of the ways mentioned under the reimbursement claim.

Step 2: Fill out the cashless claim form and wait for the approval.

Step 3: Once you receive the confirmation from our end, submit the letter to the hospital where you wish to take the treatment.

Step 4: Once the treatment is completed, we shall directly settle the expenses at the hospital.

Documents Required to File a Claim

• Claim form/claim pre-authorisation form

• Medical records, such as investigation reports, prescriptions, discharge summaries, etc.

• Original bills and invoices

• Copy of health insurance policy

• Identity proof, such as Aadhar card, PAN card, etc.

• FIR copy, in case of an accident

As per the new rules introduced by the Insurance Regulatory and Development Authority of India, getting cashless treatment is now easier all over India, including Lucknow. The IRDAI rules allow all health insurance policyholders to avail of cashless treatments at any hospital in Lucknow.

It means that you can now get cashless treatment at network or non-network hospitals without making any upfront payments from your pocket. All you have to do is inform TATA AIG in advance and obtain an approval letter.