Health Insurance in Maharashtra

Financial Protection Against Rising Costs

Medical expenses are increasing every year. Having health insurance Maharashtra ensures you do not have to compromise on treatment due to financial stress.

Access to Quality Healthcare

With the best health insurance in India, people in Maharashtra can avail advanced treatments and specialised care across reputed hospitals without worrying about affordability.

Comprehensive Family Coverage

Maharashtra health insurance plans from TATA AIG cover the entire family under one policy, providing security for parents, spouse, and children in times of medical need.

Support During Emergencies

Unexpected accidents or critical illnesses can affect savings. Health insurance Maharashtra offers immediate financial assistance and access to cashless facilities at network hospitals.

Tax Benefits Alongside Health Security

By choosing health insurance in India, you also get tax deductions under Section 80D while ensuring complete healthcare protection.

Healthcare needs vary among individuals. Acknowledging this, health insurance companies in Maharashtra have designed different types of plans so insurance seekers can find the best health insurance in India for themselves and their loved ones. Here are the types of health insurance plans you can consider:

Individual Health Insurance

Individual health insurance offers coverage for a single individual, covering hospitalisation, daycare procedures, hospital room rent, etc. The premium for this plan is based on age, health, medical history, sum assured, add-ons, etc.

Buy Individual Health Insurance

Family Floater Health Insurance

Under this policy, one can secure their entire family. Family insurance is more affordable than buying individual insurance for each member, as the sum assured is shared equally among all members. The best Mediclaim policy for a family in Maharashtra is one that considers the healthcare needs of every member.

Buy Family Health Insurance

Senior Citizens Health Insurance

Senior citizens above the age of 60 will need this plan to cover their healthcare needs. As older individuals are more vulnerable to diseases, the premiums for this policy are comparatively higher.

Buy Senior Citizen Health Insurance

Critical Illness Health Insurance

Life-threatening diseases such as cancer, stroke, paralysis, etc., are covered under a critical illness policy. It is a highly advised add-on to your basic health insurance, as the exorbitant treatment costs of critical illnesses can significantly drain your savings.

Buy Critical Illness Insurance

Super Top-up Plans

Super Top-up health plans provide additional coverage once your basic policy limit is exhausted. They are cost-effective, which makes them ideal for managing high medical bills. These plans ensure extended financial protection and access to better healthcare facilities.

Buy Super Top-Up Health Insurance

Group Health Insurance

Group health insurance offers medical coverage to employees under a single policy provided by the employer. It is affordable, ensures quick access to healthcare, and often includes benefits like maternity cover, preventive check-ups, and coverage for family members.

Buy Group Health Insurance

When analysing a health insurance plan, knowing the policy inclusions and exclusions is crucial. Let’s learn about some common inclusions and exclusions in some of the best health insurance policies.

Inclusions

• Pre- and post-hospitalisation: All medical expenses, including pre- and post-hospitalisation, doctor’s fees, medical expenses, follow-up treatments, etc., are covered by health insurance.
• Annual health check-ups: Preventive care in the form of annual health check-ups is covered under your health insurance plan.
• Daycare treatments: Some health conditions do not need hospitalisation for more than 24 hours to seek treatment. Even so, the treatment for these ailments is covered under your medical insurance.
• Cashless treatment: Under the “Cashless Everywhere” initiative introduced by the General Insurance Council, policyholders have the option of securing cashless treatments at authorised healthcare facilities.

Exclusions

• Pre-existing Diseases: Pre-existing health conditions are not covered under health insurance before a predefined waiting period.
• Cosmetic Surgery: Beautification treatments such as Botox, lip augmentations, implants, etc., are not covered under health insurance.
• Outpatient treatments: Outpatient surgeries, such as dental or ENT treatments, are not covered under health insurance.
• Specific Diseases: Certain specific diseases, such as genetic disorders, Sexually Transmitted Diseases (STDs), joint disorders, etc., are not covered under a health insurance policy.
• Diagnostic charges: Doctor’s consultations, tests, and other procedures are not included in your policy coverage.

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

Finding the best health insurance in India requires understanding your unique healthcare needs, finances, and accessibility possibilities. With that in mind, here are the essential factors to consider when looking for the best medical insurance in Maharashtra for yourself and your loved ones:

Coverage and Benefits

Medical insurance policies can comprise everything from the most fundamental forms of protection to inclusive offerings that cover hospitalisation, outpatient care, prescription medicines, etc. So, check the scope of coverage.

Waiting Period

A waiting period is generally for specific treatments such as maternity coverage, pre-existing illnesses, etc. Examine these durations and try to look for a shorter waiting period.

Sum Assured and Premiums

Sum assured is the maximum amount that your insurance will pay you for medical expenses. You must find a balance between the sum assured and the premiums payable.

Co-Payments and Sublimits

Some insurance policies will need you to pay a certain percentage of medical costs from your pocket. Additionally, there could be sub-limits for certain medical procedures and hospital room costs. Check these before investing in your policy.

Claim Process

During medical emergencies, your health insurance must have an uncomplicated claim settlement procedure.

Add-ons

Add-on covers can help strengthen your basic health insurance by adding an extra layer of protection. Analyse your healthcare needs to find appropriate add-on covers for an additional premium.

TATA AIG endeavours to ensure the best health insurance experience with easy insurance purchases, swift and seamless settlements, unique add-on covers, etc. Here are some additional factors that make us special:

Consumables Cover

Expenses for surgical and medical supplies beyond the cost of hospitalisation are taken care of under this cover.

Global Coverage

Policyholders have the option of seeking medical treatment abroad for their specific health condition.

Maternity Cover

Insurance seekers can opt for a maternity cover (that comes with a four-year waiting period) to tackle maternity expenses up to ₹50,000 per policy year. If the newborn is a baby girl, this coverage is extended by an additional ₹10,000.

Newborn Cover

In the case of complications during delivery, health insurance policyholders will receive an additional ₹10,000 to seek necessary treatment.

OPD Cover

With our OPD cover, medical consultation and medication costs of up to ₹5,000 can be offset after a two-year waiting period.

Seamless Process

With more than 650 claim experts, our claim settlement process is seamless and customer-centric.

Automatic Restoration

With this cover, policyholders get automatic restoration of the sum assured to take care of medical emergencies. If you exhaust your coverage in a year, it gets replenished.

Cumulative Bonus

Policyholders can earn up to a 50% cumulative bonus for claim-free years. Associated benefits include cashless treatments, tax benefits, and more, all curated to meet specific healthcare requirements.

If you are looking for “health insurance near me,” your best bet is to search for online health insurance. Here are some other benefits of buying your health insurance online:

Extensive Choices

You can find several options and easily compare different policies to find the best health insurance for yourself and your loved ones from anywhere.

Absence of Middlemen

As there are no agents involved when buying a policy online, you are not influenced by a specific sales tactic and can buy the best health insurance in Maharashtra in an unbiased manner.

Discounted Premiums

You reduce the operational costs of insurance companies by buying a policy online, and they reward you with discounted premiums.

Instant Policy Issuance

With online premium payment, your Maharashtra health insurance policy is issued almost instantaneously.

Online Services

You can avail of a host of services online including, downloading policy documents, calculating the cost of your insurance using a health insurance premium calculator, policy renewal, raising a claim, etc.

With online services, it is extremely easy to buy and renew your medical insurance coverage.

Steps to Buy Health Insurance Online

• Visit the official TATA AIG website and select “Health Insurance.”
• You can buy a health insurance plan for several members. You will only need to add their ages.
• Share your contact information, medical history, and pre-existing illness (if any).
• Choose the medical insurance policy that is aligned with your healthcare requirements.
• Pay for the policy online using your preferred mode of digital payment, and your coverage will be issued instantaneously.

Documents Required to Buy Health Insurance

• A properly filled out 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

Steps to Renew Health Insurance Online

• Visit the TATA AIG website, click on “Renew” and then select “Health.”
• Share your contact information along with your policy number and other essential details
• Select the policy you wish to renew. You can even strengthen your policy with add-ons; however, this will slightly increase your premium.
• Once you successfully clear the premium payment, your policy will be renewed.

There are two kinds of claim settlement processes: cashless and reimbursement. Cashless claims can be availed of at network or authorised hospitals. If you don’t meet the criteria to avail of cashless claims, you can even opt for a reimbursement of your medical bills from your insurer.

Reimbursement Claim Settlement Process

• You can contact us by phone about when and where you intend to receive your medical treatment.
• After you are discharged from the hospital, pay for the medical treatment costs upfront.
• Visit our claims page and file for a reimbursement claim by filling out the form and submitting all invoices, medical bills, prescriptions, and other important documents.
• Once the claim and the documents are verified, the process for reimbursement is initiated.

Cashless Claim Settlement Process

• Visit our claims page to initiate a cashless claim or contact us over the phone.
• To avail of cashless claims, inform us 48 hours in advance in case of elective procedures and within 48 hours of admission in the case of emergency treatments.
• Carry the policy documents of the insured patient and submit them at the hospital’s insurance desk with their ID, and submit a pre-authorisation form.
• Once the application is approved, you are eligible to receive cashless service at the hospital.

Documents Required for a Health Insurance Claim

• In-patient hospitalisation bills attested by the insured under the medical insurance.
• The discharge card is 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.
• Copies of the health insurance policy from the previous year.
• Any other document as required by TPA.
• Bills and receipts for the doctor’s consultation.

When you buy health insurance in Maharashtra, one of the biggest advantages is access to a wide cashless network. With TATA AIG Cashless Claims, you can avail treatment at over 12,000+ network hospitals nationwide, including many reputed facilities across Maharashtra. The process is simple, you only need to show your health card, and the insurer directly settles the bills with the hospital.

TATA AIG also offers Cashless Everywhere options, ensuring you are not limited to network hospitals alone. Even if you receive treatment at a non-network hospital, you can still experience cashless benefits, subject to the insurer’s approval. This flexibility ensures complete peace of mind during medical emergencies.

If you are searching for the best health insurance policy in Maharashtra, choosing one with extensive cashless coverage makes your healthcare journey easier. TATA AIG’s wide hospital tie-ups and cashless options provide strong financial security and convenience during treatment.