Health Insurance in Mangalore

Helps with Lifestyle Diseases

In a rapidly developing city, Mangalore residents are exposed to high health risks as a result of diet changes, rising pollution, alcohol addiction and stress. These risk factors increase the chances of lifestyle diseases, such as obesity, diabetes, hypertension and cardiovascular diseases. To ensure you can afford long-term medical expenses, health insurance coverage is advisable.

Protects Your Family Members

The medical expenses of multiple family members can be a major financial burden unless they have health insurance coverage. Health insurance for families in Mangalore lets you cover all family members at an affordable price. By getting medical insurance for every family member, you ensure that the major costs of hospitalisation, accidents and expensive surgeries are covered for everyone.

Helps to Deal with Emergencies

Dealing with a medical emergency, such as accidents and sudden illnesses, can be financially and mentally stressful. Health insurance helps you by covering the cost of ambulance charges, doctors’ fees, ICU fees and hospitalisation. It also provides an easy solution to medical emergencies with cashless treatment facilities and a customer support helpline to help you during stressful moments.

Keeps You Safe from Medical Inflation

Medical inflation, which is the rate at which the cost of medical treatment and medicines increases, is a major concern across all Indian cities, including Mangalore. In recent years, India has witnessed one of the highest rates of medical inflation in the world. This makes health insurance in Mangalore necessary to deal with medical inflation.

Coverage Against Critical Illnesses

The risk of severe and life-threatening diseases has increased across all Indian cities due to rising pollution, smoking, poor diet choices and environmental factors. The costs associated with treating critical illnesses, such as cancer, kidney failure, heart disease, and organ failure, are catastrophically high. Health insurance with critical illness cover is required to pay for the treatment of these diseases.

Comprehensive Medical Coverage

TATA AIG’s health insurance plans cover the costs of numerous diseases, such as cancer, heart diseases, arthritis, asthma, respiratory diseases, and COVID-19. We also cover a wide range of procedures and offer multiple coverage features, including daycare treatment, AYUSH, preventive health checkups, OPD treatment, and others, ensuring all-around protection.

Treatment at Any Facility in India

Our cashless health insurance lets you get medical treatment at any hospital in Mangalore or across India. With the Cashless Everywhere facility, we cover 100% of any admissible claims with cashless treatment. This means you can get admitted to any hospital of your choice, and we will cover all costs directly with the hospital within policy limits.

Affordable Costs with Additional Discounts

At TATA AIG, we offer the most competitive rates for health insurance premium Mangalore, starting at just ₹15 per day. In addition, we offer extensive discounts on premiums, including discounts on the number of members (up to 32%) and discounts on long tenures (up to 10%). Despite the low costs, we never compromise on our services.

Automatic Refilling of Insurance Coverage

One special benefit you can get from TATA AIG’s medical insurance plans is the automatic restoration. With it, we restore or refill the sum insured amount and cumulative bonus when you use up your existing coverage limits by filing claims. The number of restorations and their limits depend on your chosen plan.

Wide Range of Add-On Covers

We help you get the perfect health insurance coverage by offering a wide range of optional add-on covers for maximum customisability. You can enhance your base plan with critical illness cover, maternity cover, consumables benefit, OPD cover, and others. By choosing your add-ons carefully, you pay for only the coverage options you want.

Tax Benefits u/s Section 80D

While it’s not the main reason to get medical insurance Mangalore, you can avail of tax deductions on health insurance premiums under Section 80D of the Income Tax Act. You can pay premiums for yourself, your spouse, children and parents and get the whole amount up to ₹1 lakh per year deducted from your taxable income.

Individual Health Insurance Plan

Our Individual Health Insurance offers a personal shield for a single individual, offering up to ₹3 crores* sum insured. It covers a wide range of expenses, including hospitalisation, pre- and post-hospitalisation, AYUSH cover, global treatments, and more, ensuring maximum and personalised coverage for a single person.

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Family Health Insurance Plan

TATA AIG’s Family Health Insurance Plan, or Family Floater Plan, covers your entire family in a single policy. The family floater plan is the best mediclaim policy for a family in Mangalore, as the premium is more affordable than individual policies. Our family floater plan offers coverage up to ₹3 crores* with global cover, lifetime renewability and no pre-policy checkups.

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Senior Citizen Health Insurance Plan

This type of health insurance is designed for individuals aged 61 years or above. It is the best choice for your senior citizen parents or grandparents as it provides specialised coverage for age-related conditions. TATA AIG’s Senior Citizen Plan offers preventive health checkups, annual health consultations, home physiotherapy sessions, critical illness coverage, and other benefits.

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Critical Illness Insurance Plan

Critical Illness Insurance covers the substantial medical expenses of critical or life-threatening conditions, such as cancer, stroke, heart disease, and kidney failure, etc. At TATA AIG, we cover up to 100 critical diseases with lump sum payouts that cover all treatment expenses without restrictions.

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Arogya Sanjeevani Plan

TATA AIG’s Arogya Sanjeevani Plan is a basic and pocket-friendly health insurance plan designed as per IRDAI’s guidelines. It offers hospitalisation cover, daycare treatment, and other basic medical coverage up to ₹10 lakhs* at affordable costs. You will get lifelong renewability, a cumulative bonus and the option to add family members with this policy.

Buy Arogya Sanjeevani Plan

Super Top-Up Health Insurance

This medical insurance plan enhances the coverage of your existing health insurance plan at an affordable price. It activates when you have spent your base health insurance and pays for the remaining amount. TATA AIG’s Super Top-Up plan covers all basic hospitalisation, daycare and AYUSH expenses and offers benefits like consumables cover and zero age restrictions.

Buy Super Top Up Insurance

Disclaimer: The above features are subject to terms and conditions. Read the Policy Wording document carefully to know more.

Medical Insurance Inclusions

• Hospitalisation Expenses: Health insurance in Mangalore provides coverage for hospitalisation expenses, such as room rent, doctor consultations, ICU, investigations, surgery, etc.
• Pre and Post-Hospitalisation Expenses: It covers pre and post-hospitalisation expenses for a certain number of days mentioned in the policy document.
• Ambulance Cover: The ambulance charges incurred to reach the healthcare facility from your home are covered by medical insurance.
• Daycare Procedures: Our health insurance plan covers daycare procedures like cataract, angiography, septoplasty, etc., that don’t require 24-hour hospitalisation.
• Health Checkups: Avail of annual health checkup benefits with your insurance. Our checkups include the most common diagnostic and preventive care tests, subject to certain maximum limits.
• AYUSH Cover: The medical insurance Mangalore also covers AYUSH treatments, including Homoeopathy, Ayurveda, Yoga, Naturopathy, etc. This lets you enjoy a combination of conventional and modern therapy.
• Global Cover: Some Mangalore private health insurance plans cover medical expenses related to overseas treatment, provided that the illness was diagnosed in India.
• Domiciliary Treatments: This covers the cost of medically necessary treatments taken at home for over three days. It’s only allowed for situations where regular hospitalisation isn’t possible.

Medical Insurance Exclusions

• Adventure Sports: Our health insurance plan does not cover injuries incurred while participating in hazardous or adventure sports.
• Self-Inflicted Injuries: It does not cover self-inflicted injuries and injuries due to suicide attempts.
• Unnecessary Treatments: Any cosmetic procedures, dental treatments, or weight-loss surgeries that aren’t medically necessary are excluded from coverage.
• Venereal Diseases: There is no coverage for venereal or sexually transmitted diseases.
• Injuries from War: There is also no coverage for injuries suffered due to war, invasion, rebellion or participation in defence operations.

Disclaimer: The above lists are not exhaustive. Check the Policy Wording document for the full list and terms and conditions.

Select the Most Suitable Plan

To get the best health coverage in Mangalore, select the best plan according to your needs. Choose an individual plan if you are looking for optimal coverage for just yourself, or a family floater if you want to protect multiple family members. Similarly, choose a senior citizen plan to cover your elderly parents or grandparents.

Understand the Scope of Coverage

Once you have found the right type of plan, check the scope of coverage, including diseases covered, sum insured limits, daycare expenses, room rent options, transportation coverage, etc. Assess your medical treatment needs based on your health risks and budget.

Look for an Affordable Plan

Even if you want a comprehensive medical insurance plan, make sure you are getting the best possible price for the coverage. Find out the discounts and bonuses offered and compare them with different plans. You can use a health insurance premium calculator to easily compare the prices of different plans.

Check the Network Hospital Coverage

Once you have shortlisted some health insurance plans in Mangalore, check the size of the hospital network and if it covers hospitals and nursing homes in your area. Access to network hospitals ensures instant and seamless cashless treatment during your hour of need. With TATA AIG, you get access to 12,000+ network hospitals.

Eligibility Requirements

Before you purchase a plan, check the eligibility requirements for you and your loved ones. Take a careful look at the age limits, number of people you can add to the plan and if pre-policy checkups are needed. Avoid plans with restrictive requirements, as you may be unable to renew them at a later time.

Multiple Coverage Options

We offer a wide variety of health insurance plans Mangalore, including individual, family floater and senior citizen plans. Additionally, you can opt for different sum insured amounts and policy tenures and customise your plans with 34+ add-ons to get the exact coverage you want at competitive rates.

The TATA Promise

As a part of the TATA Group, our insurance policies carry the trust and legacy of one of India’s oldest and largest business conglomerates. We have established a good reputation by covering the risk of 5+ crore Indians for more than 25 years with innovative risk management solutions. When you select TATA, you are assured of high service quality and claim fulfilment.

Wide Reaching Hospital Network

At TATA AIG, you get access to over 12,000+ cashless network hospitals across India, with a strong presence in Mangalore. With our best health insurance in India, you get instant claim settlements and high-quality medical treatment at these hospitals, ensuring a hassle-free, premium experience. Furthermore, we offer both cashless and reimbursements treatments.

Round-the-Clock Customer Service

We, at TATA AIG, strive to anticipate your needs and put your priorities above everything else. With this aim, we provide 24/7 customer support, making sure to address any queries, resolve any problems and implement your feedback. We also have a dedicated team of claim settlement experts ready to help you at any time.

High Claim Settlement Ratio

If you select the best health insurance in Mangalore, you can rest easy knowing that your claims will always be fulfilled. At TATA AIG, we have maintained a high Claim Settlement Ratio that we are proud of, showcasing our long record of honouring our commitments. We also have a quick turnaround time for processing claims to ensure zero delays.

Paperless Policies

We understand the need for paperless procedures in today’s digital world. All our procedures can be completed online without the need for any physical forms or documents. You can upload soft copies of documents for purchases, renewals and claim settlements. Moreover, we provide digital copies of all policy-related documents for your convenience.

Quick Online Procedures

You can buy and renew health insurance online instantly and without any hassles on our official portal. Our all-in-one portal lets you view plans, coverage options, detailed costs and other information to make an informed decision. Filing online claims is also very easy and takes just a few minutes.

Easy to Compare Plans

You can easily compare health insurance plans on our website using our comparison tool. Use it to compare policy features, add-ons, sum insured and costs to find the best health coverage Mangalore for your needs. You can also use our health insurance premium calculator to get accurate quotes and find the most affordable plan.

Step 1: Visit the TATA AIG website and go to Personal > Health.

Step 2: Select the people you’d like to insure - self, spouse, children, or parents, and click on ‘Get Plan.’

Step 3: Enter your date of birth, email address, mobile number, and other required details to proceed. Then, click on the ‘See Plan’ button.

Step 4: The details of your policy with the premium and coverage amount will be visible on your screen. Select the sum insured amount and policy term.

Step 5: Proceed to pay online to buy the best health insurance in Mangalore.

Step 1: Visit TATA AIG’s official website.

Step 2: Click on the ‘Renewal’ link at the top and select Health Insurance.

Step 3: Enter the policy number and click on Renew.

Step 4: Review your existing policy details. You can include riders and add-ons if you’d like at this step. Then, press Enter.

Step 5: You will arrive at the payment page for health policy renewal Mangalore. Once you have paid successfully, your health insurance plan will be renewed.

How to File a Cashless Claim for Emergencies?

Step 1: Get admitted to any network or non-network hospital in Mangalore.

Step 2: Within 24 hours of your admission, fill out and submit the cashless claim form, along with your policy documents, health ID card, and identification documents.

Step 3: Wait till we process your cashless claim and send an authorisation letter.

How to File a Cashless Claim for Non-Emergencies?

Step 1: Inform TATA AIG in advance via email or letter at least 48 hours before your scheduled appointment.

Step 2: Wait till you get our confirmation letter.

Step 3: Submit the confirmation letter and health ID card at the insurance desk of the hospital on the admission day.

How to File a Reimbursement Claim?

Step 1: Pay the hospital bills on your own and collect all necessary documents before your discharge.

Step 2: Submit the reimbursement claim form online and upload the required documents, including your policy papers, insurance card, hospital discharge certificate, invoices, reports, and payment proof.

Step 3: Wait till we verify your claim and documents and pay the reimbursement amount.

The Insurance Regulatory and Development Authority of India (IRDAI) has initiated a “Cashless Everywhere” system from January 25, 2024. This initiative offers a 100% cashless treatment across the country and reduces the hassles of policyholders. At TATA AIG, we have fully implemented the Cashless Everywhere facility, allowing you to get cashless claims settled at any hospital in Mangalore.

Follow these steps to get cashless treatment at your chosen hospital:

Step 1: Inform TATA AIG at least 48 hours before a planned hospitalisation and 24 hours after admission due to an emergency.

Step 2: Send the following SMS: “GetCashless Policy No City to 7669300780.

Step 3: Our expert will call you back. Talk with them to file a claim.

Step 4: Wait for the evaluation of your request and the hospital’s acceptance. Finally, get treatment with Cashless Everywhere.