Health Insurance in Pune

Here are the key reasons why you need to find the best health insurance in Pune to safeguard your health:

• Healthcare is expensive in cities: Everything including medical bills is expensive in cities. So, if you need medical attention, you will need a reliable health insurance policy backing your finances.

• To fight lifestyle diseases: Lifestyle diseases among individuals under the age of 45 are on the rise. So, in addition to taking measures to manage these diseases, it is important to prepare your finances for them with comprehensive health insurance.

• Medical inflation: As medical treatment improves, so does the cost of treatment. These expenses are not limited to hospitalisation bills but also consultation, diagnosis, medicines, etc. To be able to afford these, you must have the best medical insurance in Pune.

• Additionally, the cost of your medical insurance plan is also determined by where you live. This categorisation is called zone-based health insurance. Indian cities are segregated into three zones: A, B, and C.

• Pune falls under Zone B and so, premiums paid towards medical insurance in Pune are higher when compared to those payable in Zone C but cheaper than premiums in Zone A.

To cater to the diverse insurance requirements of individuals, Tata AIG offers a range of medical insurance policies:

Individual Health Insurance:

Individual health insurance offers coverage only for one person. Under this policy, the insured member is entitled to be compensated for incurred hospitalisation expenses that can go up to the sum assured.

In other words, if your medical insurance has a sum insured amount of ₹10 lakhs, you can claim up to ₹10 lakhs.

Key features:

Coverage offered for a single person

Individual sum insured amount for every beneficiary

It compensates for hospitalisation expenses owing to an injury or illness, surgeries, daycare treatment, room, etc.

Insurance seekers between the ages of 18 and 65 are eligible for this plan

Family Health Insurance:

Under this medical insurance, one can cover their entire family under one plan. The sum assured is shared equally by each of the insured members.

The premium amount is comparatively lower than when purchasing an individual cover for each member. The best mediclaim policy for a family in Pune is one that considers the unique healthcare needs of every member.

Key features:

An entire family can be covered under a single policy.

Under family health insurance, the sum assured is shared equally between the beneficiaries.

The insured members get coverage against unforeseeable medical expenses including hospitalisation, surgeries, treatment, etc.

Senior Citizens Health Insurance:

This medical insurance plan is intended for individuals above the age of 65. The premiums payable for senior citizens’ health insurance are typically higher than the former two policies.

Key features:

Specially curated for individuals over 65 years of age.

Coverage includes pre-and post-hospitalisation expenses arising from accident or illness, medical treatment, psychiatric treatment, and domiciliary expenses.

Since older individuals are more susceptible to illnesses, the premiums for this policy are higher.

Critical Illness Health Insurance:

The critical illness plan is meant to secure the policyholder if they are diagnosed with a critical ailment.

The critical illness insurance by Tata AIG offers financial protection against 36 critical illnesses so the insured members can focus on their recovery instead of worrying about the exorbitant cost of treatment.

Key features:

Offers a one-time lump sum upon being diagnosed with a critical illness.

Comes with a lifetime renewability feature.

The coverage concludes after a one-time lump-sum payment of the sum assured.

Acts as an income supplement while getting treated.

Now that you know the different kinds of health insurance policies, you can choose a suitable cover that meets your needs.

If you are looking for the best health insurance in Pune you must carefully study the policy inclusions and exclusions to avoid unpleasant surprises. Typically, here are the policy inclusions and exclusions of health insurance companies in Pune:

Inclusions:

In-patient hospitalisation: No need to worry about upfront payment for hospitalisation as the insurance will compensate for medical expenses such as accommodation, nursing care, intensive care, and doctor's fees.

Pre- and post-hospitalisation: Your health insurance looks after all pre- and post-surgery expenses including medical bills, doctor's fees, treatment, follow-up appointments, etc.

Annual checkups: Annual health checkups are included in health insurance for policyholders.

No Claim Bonus (NCB): An NCB is a reward by the insurer to the policyholder for not raising a claim during the policy year which can result in discounted premiums.

Daycare services: For some treatments (such as cataract-removal chemotherapy, dialysis, etc.) patients don’t need to be in the hospital for 24 hours. These are also covered under your medical insurance.

Exclusions:

Pre-existing conditions: If you have a health condition before buying medical insurance, there is generally a waiting period for raising a claim against it.

Cosmetic surgery: Hygiene-related therapies and cosmetic surgeries are not covered under health insurance.

Dental and Auditory: Since dental and auditory treatments are generally outpatient procedures, these are not covered by insurance.

Self-inflicted injury or suicide attempt: Claims are rejected if the policyholder intentionally injures themselves or attempts to commit suicide. Misuse of intoxicating substances is also not covered under insurance.

Specific illnesses: Certain illnesses are not covered by insurance such as congenital diseases or genetic disorders.

There are many health insurance companies in Pune which can make it difficult to choose the best health insurance.

However, because insurance is an important investment for safeguarding your financial health, it is important to analyse it carefully. Here are the factors you must consider before selecting the best Mediclaim policy for family in Pune or even for yourself:

Choose the right coverage: Check the coverage scope and the sum assured of your insurance policy by checking the inclusions and analysing your healthcare needs. Don’t choose a plan that offers more than you need as it will increase the premium.

Opt for family health insurance: Instead of buying individual health insurance for every member, buy family health insurance as it is more affordable. To find the best Mediclaim policy for a family in Pune, analyse the healthcare needs of every member.

Choose health insurance with lifetime renewability: With lifetime renewability you can renew your plan during old age instead of having to buy a more expensive coverage.

Check the Claim Settlement Ratio (CSR): CSR is the claims settled against the claims received. So, a higher CSR indicates a greater probability of getting your claims settled.

Check the Network of Empanelled Hospitals: Check the list of network hospitals at the time of insurance purchase as you can avail of cashless hospitalisation service at these facilities.

Look for lower waiting periods: If you have a pre-existing disease, choose a policy with a lower waiting period for raising a claim.

Look for a reliable insurance provider: Check the reputation of your insurance provider without being lured into discounts and marketing gimmicks.

It is always advised to buy health insurance online as it comes with several benefits including:
Ease of analysing and comparing different insurance policies.

You can research, compare, select, and invest in a policy from anywhere. This makes it very convenient and time-saving to buy insurance online.

When you buy insurance online you reduce the operational cost of the insurance company and they reward you with discounted premiums.

You can easily buy Tata AIG health insurance online by comparing different policies and choosing a suitable cover in just a few clicks.

Here are some unique benefits of choosing Tata AIG for your medical insurance:

In-patient treatment: Our health insurance plans include coverage for hospital room rent, ICU charges, medicines, nursing charges, and other related consumables.

Consumables cover: We look after the expenses for surgical and medical supplies beyond the cost of hospitalisation.

Global coverage: With worldwide coverage, you can receive treatment for your ailment overseas.

Maternity cover: The maternity cover (that comes with a four-year waiting period) compensates for maternity expenses up to ₹50,000 per policy year. If the newborn is a baby girl, this coverage is extended by an additional ₹10,000.

Vaccination: You can avail of coverage for the Human PapillomaVirus vaccine and Hepatitis B Vaccine after two years of continuous coverage.

Newborn cover: In the case of complications during delivery, insurance holders will receive an additional ₹10,000 for necessary treatment.

OPD cover: With the OPD cover medical consultation and medication costs of up to ₹5,000 can be offset after a two-year waiting period.

Seamless process: With more than 650 claim experts we ensure a seamless claim settlement process.

Automatic restoration: Under this, you receive automatic restoration of the sum assured to tackle medical emergencies. Your coverage is replenished if exhausted in a year.

Cumulative bonus: Policyholders can earn up to 50% cumulative bonus annually for claim-free years. You can avail of cashless treatments, tax benefits, and more, all designed to meet your healthcare requirements.

We are committed to ensuring you receive the best health insurance that is packed with benefits such as:

• The liberty to remove the cap on hospital room rent expenses to ensure treatment access without worrying about additional bills.

• Financial support at the time of pregnancy with reimbursement up to ₹50,000 (extendable to ₹60,000 for newborn girls).

• Coverage for pre-hospitalisation expenses 30-60 days before admission and post-hospitalisation expenses 60-90 days after discharge.

• Coverage for pre-existing health ailments after a waiting period of two to five years.

• Cashless claims at a hospital of your choice across the country

• Tax benefits under section 80D of the Income Tax Act, 1961

• Coverage for the cost of ambulance

• NCB for not raising a claim in one year

• In addition to modern medical procedures, you get coverage for Ayurveda, Yoga and Naturopathy, Unani, Siddha, or Homeopathy

• Coverage for daycare processes that take less than 24 hours

• COVID-19 cover

Tata AIG has made it easy to buy and renew your medical insurance plan online.

Steps to Buy Tata AIG Health Insurance Online:

• Visit the official Tata AIG website and select the “Health Insurance” tab

• Select the people you wish to ensure and their respective ages

• Provide your contact details, medical history, and pre-existing illness (if applicable)

• Select a plan of your choice

• Once you make the payment for the policy, your health insurance is issued in a few minutes

Steps to Renew Tata AIG Health Insurance Online:

• As a registered user you can visit the Tata AIG website and select the “Renew Your Policy” tab followed by the “Health Renewal” option where you will need to add your mobile number and the OTP

• Enter your contact details and provide the requested information

• Choose the policy that needs to be renewed

• Pay the premium by your preferred mode of payment after which the policy will be renewed

Documents Required to Buy Tata AIG Health Insurance in Pune

• A properly 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.

• Cancelled cheque

There are two ways to settle your claim: either get a reimbursement or opt for cashless claims. Let’s explore the process for each:

Reimbursement Claim Settlement Process:

• Go to our claims page and initiate a reimbursement claim.

• Inform us about the medical treatment required and the hospital where you would be receiving your treatment

• Once you receive the necessary treatment, pay the bills from your pocket

• Raise a reimbursement claim by filling out the form and submitting all invoices, medical bills, prescriptions, and other essential documents

• Once your claims and documents have been verified, the process for reimbursement is initiated

Documents Required for Reimbursement Claim

• Duly-filled claim form

• A copy of the health insurance policy

• A medical certificate signed by the doctor

• Pathology reports

• A copy of the hospital discharge card

• Proof of the expenses

• A cancelled cheque

Cashless claim settlement process:

• Visit our claims page and initiate a claim or call us to notify us.

• Visit a hospital of your choice in Pune and inform us within 48 hours of hospitalisation in case of emergencies and 48 hours before admission for planned hospitalisation

• Carry the policy details of the patient before going to the hospital and present it at the insurance desk along with an ID

• Submit the pre-authorisation form that will be reviewed

• Once your application is approved, you can receive cashless service at the hospital

Earlier, an individual could get cashless treatment only at a network hospital of the insurer. However, with the latest amendments by the IRDAI, you can now get cashless treatment at any authorised hospital in Pune and the rest of the country. Follow Tata AIG’s simple and straightforward process of filing a cashless claim and enjoy cashless treatment at a hospital of your choice in Pune.