Health Insurance in Nagaland

One can hardly overstate the importance of investing in medical insurance in India, including Nagaland. With an array of emerging health risks due to modern lifestyles and pollution, the need for financial protection against hefty medical expenses has become more dire than ever.

The most pressing concern in this situation is the rising medical costs. With medical inflation at an all-time high, investing in a health insurance plan for your individual needs has become paramount. Moreover, for your older family members, choosing suitable health insurance for senior citizens is also a wise choice to ensure that their wellness is protected at all times.

One of the best health insurance companies in Nagaland is Tata AIG, a reputable and trustworthy insurance provider. We offer some of the best health insurance policies in the market.

Individual Medical Insurance Policy

• When you search for the ‘best health insurance near me,’ one of the most standard options you will encounter is an Individual medical insurance plan.

• Although these are standard options on the market, what sets Tata AIG’s Individual Medical Insurance apart is how customisable it is. It does not follow the one-size-fits-all ideology and strives to provide coverage that aligns with your individual insurance requirements.

• Here is what makes Individual Medical Insurance a profitable choice:

• With this policy, you enjoy customised coverage for your healthcare needs, with benefits extending to emergency expenses like hospitalisation, daycare, and ambulance services.

• The premiums and benefits are exclusively tailored to you as the policyholder, which ensures the provision of a more focused form of coverage.

• Under this policy, you can enhance your coverage with optional add-ons like outpatient and maternity coverage, which make the financial protection provided even more comprehensive.

• Additionally, you enjoy benefits such as cumulative bonuses, lifetime renewability, and the ability to make multiple claims.

• With this policy, you also enjoy tax benefits under Section 80D of the IT Act.

Family Medical Insurance Policy

• Tata AIG’s Family Medical Insurance is yet another significant investment option when it comes to selecting the best mediclaim policy for your family in Nagaland. Also known as the Family Floater Medical Insurance, this policy provides unified protection for your entire family under one extensive policy.

• Here is what makes Family Medical Insurance Policy a beneficial investment:

• With this policy, you can cover your entire family, including your spouse, children, and parents, under one comprehensive policy.

• This also makes managing the insurance convenient, as all members are covered under one extensive policy.

• This policy is tailored to meet the individual needs of all the family members that it covers.

• It also provides coverage for pre and post-hospitalisation costs.

• With this policy, you also enjoy hassle-free claim settlements with a high sum insured, which is also covered for pre-existing conditions.

**Senior Citizen Medical Insurance Policy **

• When looking for health insurance for senior citizens, Tata AIG’s Senior Citizen Medical Insurance Policy is an investment that you should definitely consider. This policy offers financial assistance to individuals aged 61 and above while addressing their age-specific medical needs. Any refusals under this policy must adhere to IRDAI regulations and cite valid reasons, which could range from fraud to misrepresentation.

• Here is what makes a Senior Citizen Medical Insurance Policy a beneficial choice:

• With this policy, you receive financial assistance for ambulance costs during medical emergencies, which ensures timely access to healthcare services.

• It also offers you the convenience of paperless claims, which helps streamline the reimbursement process. This reduces the amount of paperwork required significantly, which also saves time.

• With this policy, you also enjoy tax benefits under Section 80D of the IT Act.

Critical Illness Insurance

• When looking for health insurance in Nagaland, investing in critical illness insurance is a must. This policy provides comprehensive coverage against major ailments like cancer, stroke and paralysis.

• Here is what makes critical illness insurance a wise investment:

• You are provided with lump sum payouts upon diagnosis of covered illnesses, which ensures immediate financial support during treatment.

• You are also offered a replacement for the lost income along with the provision of affordable premiums, which will help alleviate the substantial financial strain of dealing with such serious healthcare needs.

• You enjoy tax benefits under Section 80D of the IT Act with this policy.

Super Top-Up Medical Insurance Policy

• Another significant consideration when looking for medical insurance is Tata AIG’s Super Top-Up Medical Insurance Policy. This policy offers coverage that goes beyond standard health insurance policies. It offers the benefits of aggregate deductibles for total claims exceeding the deductibles in a year.

• Here is what makes a Super Top-Up Medical Insurance Policy an investment that stands out:

• With this policy, you enjoy coverage without sub-limits, which ensures financial protection for a wide range of medical expenses without restrictions.

• You also benefit from the option of lifelong renewals, which is irrespective of age. This provides uninterrupted coverage throughout life.

• You receive coverage for consumables, which helps cover the expenses of medical supplies and materials during treatment.

• You enjoy the tax benefits under Section 80D of the IT Act with this policy.

Health Insurance Plan Inclusions

Daycare Procedure Coverage - Some medical insurance policies offer coverage for daycare procedures like chemotherapy or cataract surgery. Although these procedures do not necessarily require prolonged hospital stays, they are crucial for treatment and recovery.

Ambulance Costs Coverage - A standard medical insurance typically includes coverage for ambulance expenses. This ensures swift access to critical medical care and eases the financial concerns related to transportation expenses for essential treatments in times of need.

Hospitalisation Costs Coverage - This is another standard coverage provided under medical insurance packages. It provides financial aid for hospitalisation expenses, which include consultation fees, nursing fees, and room charges incurred during a hospital stay exceeding 24 hours.

Pre-existing disease Coverage: Most medical insurance policies also provide coverage for pre-existing diseases after a specific waiting period, which enables efficient management of medical expenses for individuals with existing health conditions.

Pre and Post-Hospitalisation Costs Coverage - This is yet another standard coverage provided under most medical insurance packages. It covers pre and post-hospitalisation expenses, including medication costs, diagnostic tests and follow-up consultations.

Health Insurance Plan Exclusions

Medical Exclusions

• Cosmetic surgeries are not covered unless certified by the attending Medical Practitioner for reconstruction post-accident, cancer or burns.

• Expenses related to rest cure, sanatorium treatment, rehabilitation measures, private duty nursing, respite care, long-term nursing care or custodial care are not covered.

• Costs of preventive care, vaccination including inoculation and immunizations, except in case of post-bite treatment and other vaccines that are explicitly covered under the policy, are excluded.

• Expenses related to Hospitalisation purely for enteral feedings like infusion formulae via a tube into the upper gastrointestinal tract are not covered.

• Experimental and Unproven treatments are also excluded.

**Non-Medical Exclusions-

• Expenses at the hospital related to diagnostic, X-ray or laboratory examinations which are not related to the diagnosis or treatment of any covered illnesses or injury requiring hospitalisation are excluded.

• Costs for personal comfort items during hospital stay, like TV and access to telephone are excluded.

• Expenses of treatment by a Medical Practitioner out of their discipline are not covered.

• Doctor’s fees charged by a Medical Practitioner sharing the same residence as the insured or who is an immediate relative are also excluded.

Use Health Insurance Calculators:

Utilise medical insurance calculators that are available online to estimate the premium rates to make informed financial decisions that are beneficial to you.

Acquire Multiple Quotes and Compare Policies:

Obtain quotes from various insurance providers in the market and compare their premium rates and affordability to find cost-effective coverage options.

Choose Broader Coverage:

Opt for extensive coverage options that include hospitalisation, outpatient services, diagnostic tests and medication expenses to cover diverse treatments and wellness programs.

Check Policy Inclusions and Exclusions:

Ensure the policy coverage aligns with your expected medical expenses to select the most suitable policy for you.

Compare Insurance Providers:

Research and shortlist insurance providers to compare plans based on coverage extent, premium rates and additional benefits that you can opt for.

Check the Claims Settlement Ratio:

Prioritise insurance providers with high claim settlement ratios for prompt and efficient processing of claims during medical emergencies.

Assess Your Coverage Needs:

Determine your specific healthcare requirements to select either comprehensive or custom medical insurance plans.

Paperless Processes:

Online medical insurance purchases deliver policies digitally via email which eliminates the long wait for printed policy papers.

Quick Processing:

It also offers faster, smoother and transparent processes compared to offline methods. This not only saves time but also money and effort while ensuring efficiency and convenience when purchasing medical insurance online.

Convenient Comparison of policies:

Online purchasing of medical insurance also grants access to multiple plans for convenient comparison of coverage, the sum insured under the policy and premium rates. This helps with making financially informed decisions and also in selecting a policy that aligns with your requirements effectively.

Elimination of Health Check-Ups:

Purchasing medical insurance online often waives the need for health check-ups and simplifies the process, which speeds up policy issuance.

Prompt Expert Assistance:

Online purchasing of medical insurance offers access to expert assistance through convenient channels like WhatsApp. This ensures that all your claim-related and insurance-related processes go smoothly without any stress regarding the matter.

Global Cover:

Tata AIG’s medical insurance policies offer coverage for medical treatment overseas. This coverage is useful for individuals seeking medical treatment abroad for critical illnesses.

OPD Cover:

Tata AIG’s medical insurance includes coverage for medication costs and medical consultations per policy year after a specific waiting period.

Automatic Restoration:

Tata AIG’s medical insurance automatically replenishes the sum insured (once in a policy year) in the case of depletion due to a medical emergency, ensuring uninterrupted coverage.

Maternity Cover:

Tata AIG’s medical insurance includes coverage for maternity expenses, with enhanced coverage for newborns after a specific waiting period.

Consumables Cover:

Tata AIG’s medical insurance includes a Consumables Cover that alleviates the financial burden of surgical costs and medical consumables during hospitalisation.

Newborn Cover:

Tata AIG’s medical insurance covers medical treatments required for newborn babies in case of complications arising from delivery complications.

When buying or renewing a health insurance plan, Tata AIG’s website is your one-stop solution for all your insurance needs. Just follow these Steps below to purchase a new policy or renew an existing one:

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

Step 1: Navigate to our official website and click on the option of ‘All Products’.

Step 2: Choose between Medicare, Medicare Plus and Eldercare plans available.

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 Plan.

Step 6: Pay the premium if you are satisfied.

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

Step 1: Navigate to our official 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 Plan.

Documents Required to Buy Tata AIG Health Insurance in Nagaland

• A filled application proposal form.

• Proof of Identity in the form of a PAN Card, Aadhar Card, etc.

• Proof of Address in the form of an Aadhar Card, Voter ID Card, etc.

• Proof of Income in the form of Bank statements, salary slips etc.

• A cancelled cheque.

You can also use the Tata AIG website to conveniently file your claims online:**

How to File a Cashless Claim?

Step 1: Navigate 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 hospitalisation expenses

How to File a Reimbursement Claim?

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

• A filled claim form.

• A copy of your Health Insurance Plan.

• 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.

As per the recently introduced initiative of ‘Cashless Everywhere’ by the General Insurance Council (GIC), you can enjoy all your health insurance benefits under Tata AIG at any hospital of your choice.

Whether you face a medical emergency in your home state of Nagaland or anywhere else in the country, your financial protection will always be ready for your claim. Invest in a robust medical insurance for your as well as your loved ones’ wellbeing and experience stress-free healthcare when in need.