Health Insurance in Mumbai

Similar to all cities in India, Mumbai is also a victim of increasing pollution, resulting in various health issues for the people living in the city. Moreover, with the air quality depleting, there has been a significant increase in the types and occurrence of respiratory issues, even for children.

Additionally, the cost of healthcare is rising significantly worldwide, and India is no exception. Mumbai, being the city with one of the highest populations, offers top-notch healthcare facilities to ensure proper treatments. However, the financial burden on people with limited resources reduces the eligibility criteria for these services to a bare minimum.

Therefore, to secure your health and finances in times of urgency, having health insurance in Mumbai is crucial. You do not necessarily have to spend a significant amount for financial assistance. With Tata AIG, you can enjoy coverage at affordable rates for a better and more secure tomorrow.

Individual Health Insurance Plan This health insurance plan is curated for individuals who are looking to invest in a better tomorrow by securing their finances from getting exhausted due to necessary medical treatments. The premium value in this category is calculated based on age and gender. Therefore, it is recommended to Buy An Individual Health Insurance Plan at the earliest to enjoy maximum benefits.

Family Health Insurance Plan If you are looking for family floater plans to get coverage for all family members under one policy, the family medical insurance plan is highly recommended. The sum insured is applicable to all family members, regardless of their age and gender. Even with the best mediclaim policy for a family in Mumbai, you do not have to stress about spending a lot as the premium for family health insurance is lesser when compared to individual health insurance per family member.

Senior Citizen Health Insurance Plan If you are on the lookout for a health insurance plan that is better suited for your parents or anyone who is above the age of 60, a medical insurance for senior citizens plan is an excellent choice. With this plan, the policyholder, in this case, your father or mother, will receive coverage for all pre-existing conditions to ensure financial security for regular treatments for senior citizens.

Critical Illness Plan For anyone who is looking for a health insurance plan that covers major life-altering diseases like cancer, kidney issues, heart problems, etc., investing in a critical illness plan is most suitable. This plan provides a lump sum coverage for the pre-diagnosed disease to ensure reduced financial burden during treatments. You can buy it as a standalone policy or combine it with your primary policy.

Most insurance providers in Mumbai offer medical insurance plans that cover the essential aspects of treatment for maximum financial support. However, there are certain exclusions that you must remember.

Medical Insurance Inclusions

All Treatment Charges - From room tariffs, nurse fees, and doctor charges to other miscellaneous expenses incurred during the treatment, all are covered under most health insurance plans in Mumbai.

Pre and Post-Treatment Expenses - Other than the usual treatment charges, all expenses related to treatment before and after it is completed are also covered in many health insurance plans. This includes follow-up consultation costs, medicine expenses, pre and post-treatment examination fees, etc.

Ambulance Expenses - All expenses incurred due to the use of an ambulance to and from the hospital for treatment are also included in most medical insurance policies.

Domiciliary Hospitalisation Cover - With many health insurance plans, domiciliary treatment charges are also covered. This is applicable to patients who cannot be admitted to the hospital and thus receive the necessary treatment at home.

Medical Insurance Exclusions

Cosmetic Procedures - Any beauty-enhancing or cosmetic treatments to increase glow, remove pigmentation, or remove other skin complexities are not included in most health insurance plans.

Dental Surgeries - All dental procedures are not covered by medical insurance.

Health Issues Due to Substance Consumption - Any health issue incurred due to the voluntary consumption of illegal or harmful substances is not covered by medical insurance plans.

Obesity Treatments - Weight reduction surgeries or fat loss treatments are not included in any medical insurance plan.

If you are looking for the best health insurance in Mumbai, you must assess certain factors thoroughly to make the right choice. Some of these factors are as follows.

Your Overall Budget - While buying a health insurance plan, it is necessary to take into account your budget. This way, you can evaluate what premium is suitable for you and opt for an affordable plan with maximum benefits and coverage.

Make Use of Health Insurance Premium Calculator - One effective tool that will help you find the best medical insurance in Mumbai is the health insurance premium calculator available on our website. It enables you to compare the amount of premium for our medical insurance in Mumbai and choose a suitable policy.

Select Maximum Coverage - Make sure that you clearly comprehend the coverage of all our health insurance plans in Mumbai. The general benefits that all our plans offer include coverage for pre and post-hospitalisation expenses, doctor fees, diagnosis, treatment and others.

Check Waiting Period - As per the guidelines of the country's insurance regulator, we have a waiting period for your medical insurance in Mumbai. Generally, the waiting period is 30-90 days, but it can go up to 2-4 years with a diagnosed pre-existing condition.

Check Your Eligibility - Before choosing any of our medical insurances in Mumbai, it is necessary to check the chosen health insurance plan's age criteria and choose the one that offers a lifelong renewability option for maximum comfort.

Hospital Network - We have a vast network of hospitals that will help you during emergencies. As we all know, Mumbai is a big city, and commuting to specific hospitals can be a hassle. But if you are looking for a convenient claim of health insurance near me, you can locate one quickly and get your treatments.

Online Reviews - You should also consider doing a background check on the health insurance company in Mumbai that you choose. You can go through the insurance companies' claim settlement records for the past three years to find the best health insurance company in Mumbai.

If you are unsure of why you should buy any health insurance in Mumbai online, here are the top reasons to do so:

Highly Convenient - One of the top reasons to buy health insurance in Mumbai online is that you can do it from the comfort of your home. You do not need to wait in line and submit physical papers to buy a health insurance plan.

Ease of Comparison - To ensure you find the best plan, you can easily compare different plans online without the doubt of bias when consulting physical officers. The online premium calculator tool offered by Tata AIG is quick and helps with informed decision-making.

Customisation Flexibility - When buying a plan online, you can also customise the plan of your choice without the added effort of individual documentation and attendance at the insurance provider’s office. This is because we at Tata AIG offer a range of add-ons that can be combined at the time of purchase or renewal without any hassle.

Minimal Documentation - With the growing digitisation in India, the pressure of physical document collection and security is eliminated when you buy health insurance plans online.

Complete Transparency - When you buy health insurance in Mumbai online, you do not have to worry about hidden terms and conditions. You have full access to all the minute details of your policy to ensure complete transparency.

We understand that having the best Mediclaim policy in Mumbai is a necessity. Hence, we try our best to level with the rising demands of our customers to provide them with the finest of services. The benefits that make our plans the best medical insurance in Mumbai are:

In-patient treatment: Our Tata AIG Medicare health insurance in Mumbai includes coverage for hospital room rent, ICU charges, medicines, nursing charges, and other related consumables.

Pre and Post-Hospitalisation Medical Expenditure: Medical charges incurred 30 or 60 days before the hospital's admission date. And medical costs incurred in 60 or 90 days after the discharge from the hospital.

Cover for Ambulance Costs: The medical expenditure incurred on transportation using the ambulance is also covered under our health insurance plans in Mumbai.

Daycare Procedures: Before, many treatment processes required more than 24 hours of hospitalisation. But now these can be done sooner. We offer cover for up to 541 different daycare treatments that do not necessarily require hospitalisation.

Global Cover: Our health insurances in Mumbai cover medical expenses related to your in-patient and daycare hospitalisation outside the country. Note that it is only applicable when the diagnosis is made in India.

Organ Donor Overheads: Our medical insurances in Mumbai provide cover for the expenditure for harvesting the organ if you, as insured, are the recipient.

Vaccination: Our plans cover costs related to the Human PapillomaVirus vaccine and Hepatitis B Vaccine after two years of continuous coverage.

Maternity Cover: As one of the best medical insurances in Mumbai, we provide cover for maternity expenses too. These include pre and post-natal expenses.

Dental Treatment: We provide cover for dental treatment in case of accidents. However, note that the liability covered would be as mentioned in the policy terms.

Ayush Cover: Having the best Mediclaim policy in Mumbai, we also cover in-patient treatments practised following Ayurveda, Siddha, Unani or Homeopathy.

If you want to know what makes plans from Tata AIG the best Mediclaim policy in Mumbai, read these factors given below:

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

Go to our website.

From the main page, select the “Health” option.

Next, select the number of people you want to add to one policy. This can include self, spouse, children, and parents.

Once done, click on “Get Plan” to proceed.

Now, add your birthdate, number, email address, and pincode.

Next, select “See Plan” to view all the plans available for you based on your age.

Select the one that aligns best with your needs, select add-ons, and then click “Continue”.

A premium quote will be displayed. If it is satisfactory, make the required payment for the same, and your new health insurance document will be shared on the registered email address.

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

Visit our official website.

Look for the renewal option marked “Renew” and click on it.

Fill in the policy number and other required details and select “Enter”.

Review your existing policy terms and conditions. If you want to make additions to your existing policy with some riders, add them. After that, click on “Enter”.

You will be directed to the payment page for your health insurance renewal. Here, you will be provided with the option to pay via credit card, debit card or net banking.

Once the premium payment is successful, the renewal of the health insurance policy online will be completed.

You can save the details of renewal for future use.

Documents Required to Buy Tata AIG Health Insurance in Mumbai

We at Tata AIG believe in paperless policies and thus require minimal documentation for health insurance purchases. The list of documents includes -

A duly signed and filled proposal form.

Proof of income (salary slips, bank statements, etc.).

Proof of identity (Aadhaar card, PAN card, passport, etc.).

Proof of address (Aadhaar card, utility bills, etc.).

A cancelled bank cheque for account verification and records.

How to File a Cashless Claim?

To file a cashless claim, you can visit our claims page and initiate a claim or call us to notify us.

Once done, we will assess the claim form submitted and provide you with a confirmation letter.

You can submit this confirmation letter to the hospital where you wish to get the necessary treatment.

Now, once your treatment is completed, we will pay the expenses applicable to your policy terms directly to the hospital.

How to File a Reimbursement Claim?

Go to our claims page and initiate a reimbursement claim.

Visit the hospital of your choice, get the treatment, and make the necessary payment.

Collect all the documents and receipts.

Upload or submit the necessary documents to us to support your claim.

We will verify your claim request, and upon approval, we will reimburse you the maximum treatment amount based on your policy terms.

Documents Required for Reimbursement Claim

A duly signed claim form (available on request or can be downloaded from our website).

All medical reports and treatment details or reports.

All medical bills, including consultation bills, pharmacy receipts, prescriptions, and any other payments made towards the treatment.

A certificate from the treating doctor that clearly indicates the medical procedures undertaken.

First Information Report (FIR) in case of accidents or theft.

A clear copy of your health insurance policy.

Bank details for processing reimbursement payment.

Any other additional documentation to support your claim.

According to the new regulations by the Insurance Regulatory and Development Authority of India, all Tata AIG policyholders can now file a cashless claim at any hospital in India without any hassle.

Previously, the cashless claim facility was limited to only the network hospitals authorised by Tata AIG. But now, with the introduction of “Cashless Everywhere” by the GIC, the limitation of network hospitals for cashless claims is removed.

If you wish to get treated at a hospital of your choice, you are still eligible for a cashless claim. Just follow the prescribed procedure for filing a cashless claim, and we will handle the rest.