Health Insurance in Ludhiana

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Health Insurance in Ludhiana

The Manchester of India, Ludhiana, is one of Punjab's largest cities. It is famous for its old-world charm with ancient landmarks. The city is also one of the biggest manufacturing hubs in India and is popular for its hosiery industries.

Although it's a vibrant city, the prevalent pollution and extreme temperatures pose significant health risks, particularly for individuals with respiratory and heart conditions. These risks affect both young and older adults.

In light of these health risks, prioritising one’s well-being becomes paramount. In such scenarios, having comprehensive health insurance with adequate coverage becomes a necessity. While it covers unprecedented medical expenses, it also ensures you get access to timely medical services.

Here is a brief about its importance and everything you need to know about Tata AIG's medical insurance policy.

Importance Of Health Insurance In Ludhiana

Being a bustling city, Ludhiana is also found with high pollution levels and a maximum Air Quality Index (AQI). Therefore, health experts generally advise unnecessary outdoor activities concerning potential respiratory health risks powered by pollutants.

During the winter season, the situation can get even more challenging owing to rigorous weather changes combining cold waves and dense fog. At this time of the year, we generally engage in significantly less physical activity and consume fat-rich delicacies. This is a critical combination that can lead to health ailments.

While a healthy routine with a balanced diet can help, having a medical insurance policy is indispensable for managing unforeseen medical emergencies. It can cover medical expenses, hospitalisation, pre- and post-hospitalisation, ambulance charges, daycare procedures, and more. At Tata AIG, we offer health insurance plan options with flexible features that cater to individual financial needs. So, let's get started right away!

Types Of Health Insurance In Ludhiana

Tata AIG offers various types of health insurance plans with customisable features to suit individual financial and medical requirements. Here is a brief explanation of each.

Individual Health Insurance Plan

  • An individual medical insurance plan offers the financial coverage to pay for the medical expenses of a single policyholder. It provides a range of coverage benefits, including hospitalisation, pre- and post-hospitalisation, and daycare procedures.

  • The premium for such individual health insurance in Ludhiana depends on factors such as age, gender, medical history, pre-existing illnesses, and sum insured.

  • Tata AIG Offering: Tata AIG Medicare

Family Health Insurance Plan

  • A family health insurance plan covers the medical treatment expenses of the entire family, including the spouse, children, and even the parents.

  • The sum insured is shared among the insured members and utilised during demanding situations. It is considered the best mediclaim policy for a family in Ludhiana because it is customisable and affordable compared to purchasing separate policies for individual members.

  • Tata AIG Offering: Tata AIG Medicare

Senior Citizen Health Insurance Plan

  • A senior citizen medical insurance plan covers the medical expenses exclusively of seniors. It can cover expenses arising out of age-related issues, pre-existing illnesses, and other specific illnesses.

  • Our senior citizens' health insurance plan, Tata AIG Elder Care, covers in-patient treatment, pre- and post-hospitalisation, AYUSH treatment, ambulance expenses, and daycare procedures.

  • Tata AIG Offering: Tata AIG Elder Care

Critical Illness Plan

  • While a standard medical insurance plan offers coverage against the medical expenses for common diseases and injuries, it may not cover critical illnesses.

  • A critical illness insurance plan exclusively covers medical expenses arising out of a critical illness, such as cancer, renal failure, and cardiovascular diseases diagnosed during the policy period.

  • Tata AIG Offering: Tata AIG Criti MediCare Insurance

Super Top-Up Health Insurance Plan

  • Super top-up health insurance plans extend coverage if you have exhausted the claims against your regular policy. With our Tata AIG's Medicare Plus Super Top-Up plan, you can also benefit from aggregate deductibles.

  • It means the total amount of all the applicable claims in a policy year should be more than the deductibles as against the consideration for individual claims.

  • Tata AIG Offering: Tata AIG Medicare Plus

What Does the Best Mediclaim Policy in Ludhiana Cover and Not Cover

The coverage offered by health insurance companies in Ludhiana for treating various health conditions can differ based on their terms and conditions specifically related to the inclusions and exclusions. Therefore, it becomes imperative to know and compare what the different products health insurance in Ludhiana covers and does not cover.

Here is a brief description of some of the common inclusions and exclusions applicable to Tata AIG health insurance plans.

Health Insurance Inclusions

Hospitalisation Expenses- A health insurance policy can cover the expenses arising out of being hospitalised for medical treatment for any injury, illness, or health condition.

Pre- and Post-Hospitalisation- Apart from the hospitalisation expenses, a health insurance policy can also cover the pre-hospitalisation expenses of up to 30 to 60 days before the admission and post-hospitalisation of up to 60 to 90 days after being discharged.

Daycare Procedures- With our Tata AIG medical insurance plan, you can also get covered for more than 540 daycare medical procedures that require less than one day of hospital admission.

Ambulance Charges- Charges associated with an emergency transit for an ambulance can also be covered under a medical insurance plan.

Pre-existing Illnesses- Pre-existing illnesses such as diabetes and heart diseases are highly prevalent even among younger adults in the recent past. With insurance for pre-existing health conditions, you get coverage for the medical treatment arising out of these complications after the specified waiting period.

Health Insurance Exclusions

Plastic Surgery or Cosmetic Surgery- Unless recommended by a doctor for the treatment of an injury or disease, plastic surgery or cosmetic surgery is generally excluded from a medical insurance plan.

**Pre-existing Diseases (before the expiry of the waiting period) —Medical expenses incurred to treat a health condition due to pre-existing diseases will not be covered before the end of the waiting period.

Self-Inflicted Injuries- Medical expenses for treating injuries arising out of intentional self-harm are excluded under health insurance coverage.

Preventive Treatment- Preventive treatments, such as vaccination, inoculation, and immunisations, are not covered in medical insurance plans unless explicitly mentioned.

How to Find the Best Health Insurance in Ludhiana?

With an increase in the number of companies offering health insurance services, choosing the best mediclaim policy in Ludhiana based on your specific requirements becomes very important.

Here are a few factors that you can consider while buying health insurance in Ludhiana.

Sum Insured- The sum insured is the most crucial aspect of a health insurance policy. It should be adequate to fund your financial expenses while also being affordable.

Benefits and Features- Health insurance companies offer products with certain distinct benefits and features. It is important that you take the time to compare the different options and find the most suitable policy that will serve your financial needs, considering their coverage options, premium discounts, add-on covers, etc.

Premium Rate- While you consider the product features and benefits, you also need to focus on the premium rate to ensure that it is worth the coverage and affordable.

Claim Processes- Health insurance companies have resorted to more easy-to-access and streamlined claim settlement processes. Therefore, check the claim settlement requirements and related processes to determine whether they are efficient and accessible.

Network Hospitals- Health insurance claims can be settled in a few simple steps with the insurer's network of empanelled hospitals. Therefore, you can look out for the network of hospitals and the quality of treatment offered to decide on a suitable option.

Why Should You Buy Online Health Insurance In Ludhiana?

Simplified Health Insurance: Convenience at Your Fingertips —With an online platform, you can research, compare, and buy the best medical insurance in Ludhiana from the comfort of your home or work.

Instant Coverage, Effortlessly Yours: Customise Health Insurance with Tata AIG - With our Tata AIG official platform, you can choose an affordable health insurance policy by comparing the policy options and premium rates using our health insurance calculator.

After deciding on the product and providing the details, you can get health insurance coverage almost instantly.

Skip the Middlemen and Save: Make Health Insurance Affordable —When you buy health insurance online, you can avoid the expense of consulting an agent for their input and guidance on purchasing a health insurance policy and making it increasingly affordable.

Get the Best Medical Insurance in Ludhiana! - Why Choose Tata AIG?

Personalised Health Insurance Coverage- At Tata AIG, we offer various types of medical insurance plans that cater to specific financial needs. In addition, we provide customisable features and add-on cover options to personalise the health insurance policy based on your requirements.

Hassle-free and Easy to Access Claim Settlement Process- With us, you can initiate a cashless or reimbursement claim online.

By providing and uploading the necessary details, you can streamline your claim settlement process, making it more efficient and time-saving. For FY 2020-21, we have established a claim settlement ratio of 94.21%.

Substantial Savings- Our wide-ranging product options, with customisable benefits, also come with exceptional discounts.

If you have not initiated a claim during the previous year, you can benefit from a cumulative bonus of up to 50%. Furthermore, with our Family Floater Health Insurance Plan, you can benefit from a premium discount that increases with the number of persons covered. Also, with our Tata AIG Medicare plan, you can benefit from premium cost reductions based on the number of policy years.

Key Features and Benefits of Tata AIG Health Insurance Plans

Key Features and Benefits Details
Extensive Coverage  Benefits The health insurance coverage is extended to treatment for pre-existing illnesses, hospitalisation, pre-and-post-hospitalisation expenses, ambulance expenses, etc.
Automatic Restoration You can restore the sum insured if it gets exhausted due to multiple claims or a large claim during a policy year.
No Sub-Limit on expenses towards a hospital admission The upper ceiling on your hospital rent expenses gets removed with this feature.
Daycare Procedures Tata AIG also covers the expenses of daycare procedures that require less than 24 hours or one day of hospitalisation.
AYUSH Treatments Apart from modern medical expenses, you can also get covered for Ayurveda, Yoga, Unani, Sidha, or Homoeopathic treatments.
Online Services With Tata AIG, you can find, compare, and choose the best health insurance in Ludhiana for your financial needs online. We offer hassle-free claim settlements online with no documentation to go 100% paperless.
Tax Advantage Under Section 80D of the Income Tax Act, you can benefit from a tax deduction advantage for the health insurance premium that has been paid for yourself, your family, and your parents.
Cumulative Bonus and Premium Discounts For every claim-free year, we provide a cumulative bonus of up to 10 - 50%. In addition, you can benefit from premium discounts on individual product options based on their terms and conditions.

Buying and Renewing Your Tata AIG Health Insurance Plans

Buying or Renewing your Tata AIG medical insurance policy is simple and hassle-free online. Here are a few **Steps that can help you access health insurance products and facilitate purchasing or renewing them at your convenience.

How to Buy Tata AIG Health Insurance in Ludhiana?

Step 1: Visit our Tata AIG official website.

Step 2: Under the "All Products" tab, click on the downward-pointing arrow and choose between MediCare, MediCare Plus, ElderCare, and Video Assistance plans.

Step 3: Get to know and compare the features and benefits of the individual health insurance plans and select a suitable product.

Step 4: Decide on the person or the number of persons to be insured and click on "Get plan."

Step 5: Enter all the required details, such as name, DOB, Email address, mobile number, etc., upload documents as prompted by the screen, and follow the next **Steps.

Step 6: Based on your input, the applicable premium gets displayed on the screen.

Step 7: You can pay the applicable premium using any of the digital payment methods, and we will send you your health insurance policy document.

How to Renew Tata AIG Health Insurance in Ludhiana?

Step 1: Visit our Tata AIG official website.

Step 2: Click on the tab "Renewal" tab, and then choose "Health".

Step 3: Enter your health insurance policy number and click on "Renew".

Step 4: Provide the required details and follow the instructions as prompted by the screen.

Step 5: Based on your input, the applicable premium gets displayed on the screen.

Step 6: You can pay the applicable premium using any of the digital payment methods, and we will send you your health insurance policy document.

Documents Required to Buy Tata AIG Health Insurance in Ludhiana

  • Proposal form with accurate information, duly filled and signed.

  • Proof of Identity (Aadhaar Card, Passport, etc.)

  • Proof of Income (Salary Slips, Income Tax Return Forms, Bank statements, etc.)

  • Proof of Address (Aadhaar Card, Driving Licence, Passport, etc.)

  • Cancelled cheque

How to File a Health Insurance Claim with Tata AIG in Ludhiana?

With Tata AIG, you benefit from customised policy solutions and can also choose between the cashless claim and reimbursement claim options.

How to File a Cashless Claim?

Step 1: Visit our Tata AIG Claims Process page.

Step 2: Click on 'Initiate Claim' and select "Health" for the product.

**Step 3—To log in to the system, provide your mobile number (registered with us) and click on "Confirm." If you need any further clarification, you can contact us using our 24/7 customer helpline number.

Step 4: Provide the required personal details, choose cashless claims, and submit the claim request.

Step 5: Upon verification, we will approve the claim amount and pay it directly to the hospital upon completion of the treatment.

How to File a Reimbursement Claim?

Step 1: Visit our Tata AIG Claims Process page.

Step 2: Click on 'Initiate Claim' and select "Health" for the product.

**Step 3—To log in to the system, provide your mobile number (registered with us) and click on "Confirm." If you need any further clarification, you can contact us using our 24/7 customer helpline number.

Step 4: Provide the required personal details and choose reimbursement claims.

Step 5: Upload all the essential documents, including discharge summary, medical reports, and hospital bills and receipts.

Step 6: Submit the claim request.

Step 7: Upon verifying your documents, we will reimburse the expenses up to the approved limit.

Documents Required for Reimbursement Claim

  • Claim form with accurate information, duly filled and signed.

  • Health insurance policy document

  • Medical reports and the certificate

  • Diagnostic Reports

  • Proof of hospital discharge summary

  • Hospital Bills and Receipts

  • Cancelled cheque

Where Can I Claim Cashless Treatment in Ludhiana?

Cashless claim options were previously applicable only to Tata AIG's network of hospitals. However, with the recent introduction of the "Cashless Everywhere" initiative by the General Insurance Council (GIC), the benefit of cashless claim options also became applicable to non-network hospitals.

Therefore, now you can register for cashless claims with us and get treated for your health condition at any authorised hospital in India, irrespective of whether it is a network or non-network hospital. We will pay them directly! So, you can go cashless anywhere, and we benefit from health insurance in Ludhiana.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

How to find the best health insurance near me?

How to find the best health insurance near me?


Online search engines help you find the best health insurance near you, depending on your location. However, health insurance providers have been offering seamless online services to assist you in comparing and choosing a suitable policy and also initiating a claim settlement negating the necessity to visit the health insurance company or its branch office.

What is the minimum amount for health insurance plans?


The health insurance coverage you need for your emergency needs will depend on your age, health condition, occupation, family medical history, the cost of treatment in your locality, and other similar factors specific to individuals. Hence, you need to research these aspects and determine suitable coverage.

Our Tata AIG customer service team can help you make a well-informed decision depending on your requirements.

What is the maximum age to buy a health insurance plan?


According to IRDAI regulations, the maximum age at which health insurance plans can be purchased in India is 65.