Health Insurance in Pondicherry

Today health insurance is an essential requirement of every person’s life, including people in Pondicherry. It is a financial safety net that assists policyholders in case of medical emergencies. Anyone who wants to protect themselves and their loved ones from any unforeseeable medical emergency should opt for health insurance.

Although Pondicherry has good medical infrastructure and also has a few government schemes like the Pradhan Mantri Jan Arogya Yojana, like all states; however your safety is in your hands. Thus, buying critical illness insurance is always suggested for protection against severe diseases and medical emergencies.

Several types of health insurance policies are available based on requirements, numbers, and age. The following section will discuss them in detail.

Tata AIG provides various health insurance plans in Pondicherry as per the coverage needs and benefits required by an individual. Here are the four types of health insurance provided:

Individual Health Insurance: Also known as personal health insurance, this type of insurance provides medical coverage to people on an individual amount insured basis. Under this medical insurance, each family member needs to be insured separately.

This health insurance enables an individual to tailor the insurance coverage as per their requirements rather than their whole family.

Family Health Insurance: As its name suggests, family health insurance provides coverage for the medical expenses of an individual and their insured family members under this insurance.

Senior-Citizen Health Insurance: Tata AIG senior health insurance is specifically designed to provide financial coverage for people over 61. It covers the medical expenses of treatment commonly prescribed for the elderly.

Critical Illness Insurance: A critical health insurance policy protects critical medical illness and treatment expenses. With this insurance, an individual can stay protected financially against serious health issues.

Tata AIG provides various health insurance plans in Pondicherry as per the coverage needs and benefits required by an individual. Here are the four types of health insurance provided:

Individual Health Insurance: Also known as personal health insurance, this type of insurance provides medical coverage to people on an individual amount insured basis. Under this medical insurance, each family member needs to be insured separately.

This health insurance enables an individual to tailor the insurance coverage as per their requirements rather than their whole family.

Family Health Insurance: As its name suggests, family health insurance provides coverage for the medical expenses of an individual and their insured family members under this insurance.

Senior-Citizen Health Insurance: Tata AIG senior health insurance is specifically designed to provide financial coverage for people over 61. It covers the medical expenses of treatment commonly prescribed for the elderly.

Critical Illness Insurance: A critical health insurance policy protects critical medical illness and treatment expenses. With this insurance, an individual can stay protected financially against serious health issues.

There are certain features and benefits that every policy buyer must check before choosing a health insurance company for themselves. Some of these factors to consider are:

Waiting Period: The waiting period in insurance is the time within which you cannot file a claim for certain insurance benefits. As a policyholder, you need to check which features of health insurance are activated immediately and which features have a waiting period.

This way, you stay informed when you can avail which benefits of your insurance if required.

Add-ons Benefit: If your health insurance company provides add-ons along with insurance with some additional price on premium then it is a win for you. As with add-ons, you get extra protection against additional medical emergencies.

Sum Insured: You must always make sure that the sum insured of your health insurance policy is in alignment with your medical coverage needs, both actual and potential.

Age Limit: In several instances, there is an age limit attached to buying a health insurance policy. If a person reaches an age, they cannot buy health insurance, and the same goes for policy renewals, too. Thus, it is advised to check for such conditions in your insurance policy.

Claim Settlement Ratio: It is always advised to buy a health insurance policy from a reputed insurance provider that has a record of a high settlement ratio.

Quick Procedure: Buying health insurance online is a quick and easy procedure. You can get your premium quote in a few simple clicks, and then it is just about making a premium payment. The whole process is entirely transparent and does not leave any chance of confusion.

Expert Assistance: A team of dedicated claim experts can help you select the best health insurance policy for your requirements.

Easy Comparison: With an online facility for buying health insurance, you can easily compare various insurance plans, their features, premium prices, etc., to buy the best insurance for you and your family’s protection.

No Health Check-up: Unlike offline health insurance procedures where the policy buyer needs to get their health check-up done before buying a policy; there is no such need in online insurance.

Paperless Process: The whole process of buying a health insurance policy is done online; thus, there is no need for physical documents. You will get your policy documents at your email address. This way, you can download and save all documents on your device.

At Tata AIG, we understand your health concerns for you and your family. Thus, we are committed to providing the best benefits and services through our health insurance. Here is why you should get insured with Tata AIG:

Cash Claim Settlement: With our cashless claim settlement policy, you can get treatment at any preferred hospital across India. Please inform us before getting hospitalised or as soon as possible in case of emergencies. Then, all your medical bills will be taken care of.

Pre and Post-Hospitalisation Cover: With our medicare health insurance plans, you get coverage for your pre and post-hospitalisation expenses incurred during the treatment.

Budget Premiums: Our health insurance policy premiums are quoted according to each individual's budget. You can choose the policy type that best suits your coverage needs and budget.

High Claim Settlement Ratio: With a claim settlement ratio (CSR) of 99%, Tata AIG provides an easy and hassle-free procedure for claim settlement.

The trust of Tata: Tata is committed to providing its policyholders with the best health insurance facilities and has been delivering on this promise for the past twenty years.

How to Buy a New Health Insurance Policy in Pondicherry?

Step 1: Visit the official Tata AIG health insurance page.

Step 2: Select the number of family members you want to purchase a health insurance policy. Then click on “Get Plan”.

Step 3: Next, you need to provide your details, such as your contact number, date of birth, and email address. Once done, click on “See Plan.”

Step 4: The list of health insurance plans available as per your requirements will be displayed.

Step 5: Select the health insurance plan best suited for you and click on “Continue.”

Step 6: Next, you will see your premium quote according to your selected plan on the screen. Verify the details and then proceed with premium payment.

Step 7: Finally, when the payment is successful, you will receive a confirmation message on your contact number and be provided with insurance documents at your registered email address.

How to Renew a Health Insurance Policy in Pondicherry?

Step 1: Go to the Tata AIG health insurance page.

Step 2: On the page, select the “Renew” tab, provide your policy number, and click " Renew " again.

Step 3: Review your current health insurance policy terms and conditions. If necessary, add or remove add-ons, etc., according to your needs. Once done, click on “Continue.”

Step 4: Now you will be displayed your renewed premium policy amount; verify it and then proceed with payment.

Step 5: Once done, you will receive your policy documents at your registered email address.

How to File Reimbursement Claim?

Step 1: Visit the Tata AIG claim page and fill out the claim form, or you can connect with our insurance settlement executive.

Step 2: Get treatment at your preferred hospital. Once your treatment is done, ask for all the bills and invoices for the payments made.

Step 3: Next, submit all the bills and invoices along with your claim reimbursement form to the Tata AIG team for document verification.

Step 4: Finally, after the document verification, your insurance amount will be disbursed according to the policy terms and conditions.

How to File a Cashless Claim?

Step 1: Contact us immediately after the incident. You can go to the Tata AIG claim page or contact our claim settlement executive.

Step 2: Next, fill in the claim settlement form provided and wait for its approval.

Step 3: Once your claim has been approved, submit your form along with the health card on your hospitalisation day.

Step 4: Now, do not worry about any financial expenses and focus on getting your treatment.

Earlier, policyholders could only get cashless medical treatment at the Tata AIG network hospitals. However, as per the latest IRDAI regulations, policyholders can now get cashless treatment at any preferred hospital across India.

So, now, even if you are not in Pondicherry, you can claim to get a cashless treatment facility at any hospital in any state or city in India under your medical insurance policy.

Contact Us! At Tata AIG to know more.