Health Insurance in Mysore

With the rising population and increasing urbanization, the need for quality healthcare facilities becomes paramount. Health insurance in Mysore plays a crucial role in ensuring that residents can access medical facilities without facing financial burdens.

The best health insurance policy provides individuals and families with the peace of mind that comes with knowing they are financially protected against unforeseen medical expenses.

City-based medical insurance policies are curated considering the specific healthcare requirements of residents belonging to this particular zone or region. As a customer, you can buy the best mediclaim policy in Mysore and also save on your premium outgo.

At Tata AIG, we offer several types of health insurance plans in Mysore to cater to the diverse requirements of our customers.

These plans differ from each other in terms of the coverage, premium, and the number of members covered. You can select the best-suited health plan as per your needs.

Below are the types of health insurance we offer:

Individual Health Insurance Plan

These health insurance plans are tailor-made for individuals and cover medical expenses for a single policyholder.

The benefits of individual health plans include hospitalisation expenses, pre- and post-hospitalisation costs, and sometimes preventive healthcare services. Premiums depend upon the individual’s age, medical history, and the sum insured.

Our Tata AIG Medicare range of plans offers individual health insurance coverage, with 3 different variants for comprehensive coverage and budget-friendly policies.

Family Health Insurance Plan

Also known as Family Floater plans, these plans cover the healthcare expenses of the entire family under a single policy.

The sum insured can be utilised as a floater for all family members. Premiums for a family floater plan are usually more affordable than buying separate individual plans for each family member.

You can check out the family floater coverage under Tata AIG Medicare range of plans for complete coverage for your loved ones. Opt for the Medicare Premier variant for maternity insurance coverage.

Senior Citizen Health Insurance Plan

Senior citizen health insurance plans are specifically designed for individuals aged 60 and above to address their unique healthcare requirements.

The coverage offered by such plans usually includes pre-existing ailments, and the sum insured is generally higher to account for potential medical expenses.

Browse through the Tata AIG Elder Care medical insurance plan, a plan dedicated to providing targeted coverage for senior citizens.

Critical Illness Plan

A critical illness plan offers coverage against a range of life-threatening diseases and ailments, such as cancer, kidney failure, heart attack, stroke, etc. This policy usually pays a lump sum to the policyholder upon the diagnosis of a covered critical illness.

You can buy a critical illness plan as a separate policy or as a rider to supplement your main healthcare policy.

Super Top-Up Health Insurance

The super top-up health insurance plan, particularly the Tata AIG Medicare Plus, kicks in when the limits of your primary health policy are exceeded.

It covers hospitalisation, including pre and post-hospitalisation expenses, ensuring comprehensive support.

Ideal for both individuals and families looking for an economical way to boost their health insurance, a super top-up plan provides an added layer of security, ensuring peace of mind.

You must always read the exclusions and inclusions before buying a medical insurance policy. Doing so can help you make informed buying decisions and avoid any surprises or regrets later. Below are the things covered and not covered by the best medical insurance in Mysore:

Medical Insurance Inclusions

Hospitalisation expenses - Health insurance typically covers hospitalisation expenses, including room charges, nursing expenses, and fees for doctor consultations during the hospital stay.

Pre-and-post-hospitalisation expenses - Many policies include coverage for expenses incurred before and after hospitalisation, such as diagnostic tests, follow-up consultations, and medicines.

Daycare procedures - Some policies cover specific daycare procedures that do not require 24-hour hospitalisation but are essential for recovery, such as chemotherapy or cataract surgery.

Ambulance charges - Many health insurance plans cover the cost of ambulance services needed for emergency transportation to a hospital.

Pre-existing diseases – Almost all health insurance policies cover pre-existing diseases after a waiting period.

Medical Insurance Exclusions

Unrevealed health conditions – You must reveal your pre-existing health ailments while buying a medical insurance policy. Unrevealed health conditions are excluded from the policy coverage.

Pre-existing diseases before waiting period – Health insurance policies cover pre-existing diseases only after specific waiting periods. Expenses related to pre-existing diseases before the waiting period are not covered.

Cosmetic procedures – Health insurance policies do not cover cosmetic treatments or procedures performed solely for aesthetic purposes.

Self-inflicted injuries - Injuries resulting from intentional self-harm or substance abuse are generally excluded from health insurance coverage.

With several companies in the fray, choosing the best mediclaim policy for families in Mysore can become an arduous task.

Below are a few factors you can consider to make an informed choice:

Coverage and benefits - One of the primary considerations when buying a medical insurance policy in Mysore is understanding the extent of coverage it offers.

Evaluate the policy's coverage for hospitalisation, outpatient services, diagnostic tests, medications, and preventive care.

The best health insurance in Mysore provides coverage for alternative treatments and wellness programs.

Premiums and cost-sharing - Assess the premium costs associated with the insurance policy and understand how they fit into your budget.

Consider whether the policy offers flexibility in choosing deductible amounts and co-payment percentages. It’s essential to strike a balance between out-of-pocket expenses and payable premiums to ensure affordability in the long run.

Terms for policy renewal - Check the terms and conditions related to policy renewal. Opt for a policy that offers lifetime renewability, ensuring you can continue enjoying coverage without age-related restrictions.

Be aware of any conditions that might lead to non-renewal or policy termination, and clarify the renewal process to avoid disruptions in coverage in the future.

Network hospitals – Check the network of hospitals and healthcare providers affiliated with the insurance provider. Confirm that your preferred hospitals and doctors are a part of the network.

The best medical insurance in Mysore offers extensive hospital network ensuring you have prompt access to quality healthcare services without incurring significant out-of-pocket expenses.

Claim settlement process - A smooth and efficient claim settlement process is essential for a hassle-free experience during medical emergencies. Research the insurance company's reputation for claim settlement and customer service.

Read reviews and testimonials from existing policyholders to gauge their satisfaction with the company's handling of claims.

With Tata AIG, you can buy a health insurance plan from the comfort of your home. Here are the benefits of buying a health insurance policy online:

Convenience at your fingertips - One of the most apparent advantages of purchasing health insurance online is the unparalleled convenience it offers.

With just a few clicks, you can browse through a gamut of insurance plans, compare them, and choose the one that best suits your needs.

Get instant policy – Buying a health insurance policy online can help you get rid of long queues and cumbersome paperwork.

You can simply visit our website, fill out an online application form, and pay the premium. Your policy would be issued instantly.

Save on the premiums – When you buy a health insurance policy online, the insurer saves on administrative costs. Additionally, you skip middlemen commissions and buy the policy directly from the insurance company.

All these factors lead to reduced premiums for your Mediclaim policy in Mysore.

Tata AIG offers medical insurance to cater to your diverse healthcare requirements. Below are a few reasons to choose Tata AIG as your health insurance provider:

Cashless treatment at 10,000+ hospitals – Tata AIG offers cashless treatment facilities at more than 10,000 hospitals across India. In Mysore, our network hospitals comprise top names such as ASG Hospital, BGS Apollo Hospital, and Kamakshi Hospital, among others.

Hassle-free claim settlement – At Tata AIG, ensuring a hassle-free claim process is our top priority. Our customer service representatives are available 24 x 7 to help you with claim settlement. Our claim settlement ratio of 94.21% is a testimony to our efforts.

Incredible discounts – Tata AIG health insurance plans come with highly competitive premiums. Additionally, you can get incredible discounts by buying multi-year policies with us.

Attractive riders – When you buy a health insurance policy from Tata AIG, you have the option to select from a gamut of riders at attractive premiums.

Tata AIG health insurance offers several unique features and benefits.

If you’re looking for health insurance near me, your search ends at Tata AIG. Whether you plan to buy a new mediclaim policy in Mysore or renew your existing medical insurance policy, you can do so through an easy online process.

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

Step 1 – Visit our official website and click on All Products.

Step 2 – Choose from Medicare, Medicare Plus and Elder care plans

Step 3 - Select the number of individuals you would like to insure and click on the “Get plan” option

Step 4 – Enter your basic details, such as your name, date of birth, mobile number, etc.

Step 5 – Follow the directions to get a quote for your health insurance policy

Step 6 – Pay the premium if you are satisfied

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

Step 1 – Visit our website, click on the “Renewal” tab and select “Health”

Step 2 – Enter your policy number and other required details

Step 3 – Pay the premium online to renew your health insurance policy

Documents Required to Buy Tata AIG Health Insurance in Mysore

A duly filled proposal form

Proof of Identity – PAN Card, Aadhar Card, etc.

Proof of Address – Aadhar Card, Voter ID Card, etc.

Proof of Income – Bank statements, salary slips etc.

A cancelled cheque

The best part is you can file a claim on your Tata AIG health insurance policy online. It ensures that you won’t have to wait for long during a medical emergency.

How to File a Cashless Claim?

You can visit a network hospital and file for a cashless treatment claim in the following steps:

Step 1 – Go to the Claims page or call our 24 x 7 customer helpline number to inform us about the claim

Step 2 – Wait for the confirmation letter from our end

Step 3 – Once you receive the confirmation letter, submit it at the hospital

Step 4 – We will take care of your entire hospitalisation expenses

How to File a Reimbursement Claim?

In case you are unable to make it to a network hospital, you can visit your nearest non-network hospital and file a reimbursement claim in the following steps:

Step 1 – Go to the Claims page and fill out an online reimbursement claim form on our website

Step 2 – Submit the required documents

Step 3 – Upon successful verification, we will disburse the reimbursement amount to your bank account

Documents Required for Reimbursement Claim

Duly-filled claim form

A copy of your health insurance policy

A medical certificate signed by the doctor

Relevant pathology reports

A copy of the hospital discharge card

Proof of the expenses, such as hospital and pharmacy bills

A cancelled cheque

Till very recently, cashless medical services were restricted to hospitals within Tata AIG’s network.

But with the introduction of the "Cashless Everywhere" initiative by the General Insurance Council (GIC), this has changed for the better. Now, cashless medical care is accessible in any hospital, regardless of whether it is part of the insurer's network or not.

Therefore, under the latest guidelines set forth by the Insurance Regulatory and Development Authority of India (IRDAI), holders of Tata AIG health insurance in Mysore can now enjoy the benefit of cashless services at any hospital across Mysore.