Health Insurance in Pune

Deal with Pollution-Related Illness

In recent years, the air quality of Pune has dropped to ‘very poor’ levels, due to increasing traffic, dust from construction zones and waste burning activities. As a Pune resident, you are exposed to a high risk of respiratory illnesses, heart diseases and other complications, making health insurance necessary to deal with treatment costs.

Rise in Infectious Diseases

Pune’s hot climate, high population, and contamination of the Mula-Mutha River creates high risk of waterborne diseases, malaria and dengue. An outbreak of waterborne and highly infectious diseases can overwhelm the city’s healthcare facilities and increase the price of medical treatments. Having health insurance coverage helps deal with sudden emergencies.

Exorbitant Medical Care Costs

As a major Indian city, Pune experiences high healthcare costs, with hospitalisation costs running into lakhs. Paying such exorbitant hospital bills can completely deplete one’s savings or cause a huge burden to one’s family. Medical insurance in Pune can bear most of these costs, significantly reducing one’s financial burden.

Access to Quality Medical Care

Another reason why health insurance is necessary is that it provides access to the most reputable medical institutions and physicians. While Pune has many famous multispeciality hospitals, medical colleges and medical research centres, their high costs restrict the average resident. The best health insurance plans can cover substantial costs with only a small premium amount.

Protection for Your Family

The healthcare costs of multiple family members can be difficult to manage, especially if you have to cover your elderly parents. Family health insurance Pune can cover multiple family members, including spouse, children and parents, under a single plan in a cost-efficient way. You can also get multiple individual plans if you want the maximum coverage.

Provides Multiple Coverage Options

At TATA AIG, we offer different health insurance plans, including individual, family floater and senior citizen plans, tailored towards different needs. When you buy a plan, you can choose the sum insured amount and tenure based on your convenience. We also offer many different add-ons for customisation.

Covers Wide Range of Expenses

Our health insurance plan in Pune covers a wide range of hospitalisation expenses, including doctors’ fees, medicines, diagnostics, surgery costs, ambulance charges, etc. In addition, we cover pre- and post-hospitalisation expenses, daycare procedures, treatments at AYUSH hospitals, vaccinations and wellness programmes. This ensures complete coverage for you and your loved ones.

Large Bonuses and Discounts

To encourage you to stay with TATA AIG, we offer a substantial cumulative bonus that increases the sum insured amount every year you don’t file claims. You can get up to 100% cumulative bonus upon renewals and attractive discounts on premium payments. Get up to 10% discounts for long-term plans and up to 32% discounts for adding family members.

Choice of Add-Ons for Flexibility

Depending on your chosen medical insurance Pune, you can customise and enhance your plan using various add-ons or riders. Add-ons like OPD Cover, Maternity Cover and Consumables Benefit get extra coverage options to your base plan. Other add-ons like Inflation Protect and Premium Waiver add functionalities to your insurance plan.

Preventive Health Checkups

With most TATA AIG health insurance plans, you can get annual preventive health checkups within our network of service providers. Depending on your plan, you can choose a comprehensive or standard diagnostic test package up to the specified sum insured limit. Preventive checkups screen for diseases and conditions before they turn into chronic illnesses.

Tax Benefits

Paying health insurance premiums for yourself and your family members not only adds risk protection but also makes you eligible for several tax benefits. You can deduct your yearly income taxes by up to ₹1 lakh under Section 80D of the Income Tax Act. In addition, you get to pay 0% GST on health insurance premiums.

Individual Health Insurance

Individual health insurance offers coverage for only one person. TATA AIG’s Individual Health Insurance provides tailored and comprehensive coverage to a single person, perfect for individuals in Pune with no dependents. It also offers the option to get special coverage, such as global cover, high-end diagnostics, wellness services and restoration benefits.

Buy Individual Health Insurance

Family Health Insurance

TATA AIG’s Family Health Insurance is the best choice to cover your entire family under one plan. The sum assured is shared equally by each of the insured members. The premium amount is lower by up to 32% under our Family Floater Discount compared to individual plans. It offers a host of useful features, such as a sum insured up to ₹3 crores, no pre-policy checkups, global cover, and more.

Buy Family Health Insurance

Senior Citizens Health Insurance

Specially curated for individuals over 61 years of age, our Senior Citizen Health Insurance Pune covers age-related medical conditions of elderly people. Coverage includes pre-and post-hospitalisation expenses arising from accident or illness, medical treatment, psychiatric treatment, and domiciliary expenses. In addition, we also provide annual preventive health checkups, critical illness cover, home physiotherapy sessions, wellness sessions, disability and other benefits designed for senior citizens.

Buy Senior Citizen Health Insurance

Critical Illness Health Insurance

TATA AIG’s Critical Illness Insurance plan provides lump sum payouts up to ₹2 crores if you are diagnosed with a critical ailment. It offers financial protection against 100* critical illnesses, so the insured members can focus on their recovery instead of worrying about the exorbitant cost of treatment. Other benefits include daily hospital cash, global coverage, special Cancer Indemnity, premium waivers, and multiple claim payouts.

Buy Critical Illness Insurance

Super Top-Up Health Insurance

If you already have an existing health insurance plan, TATA AIG’s Super Top-up Health Insurance is a pocket-friendly solution to enhance your base policy. It activates when you have maxed out your current plan, ensuring you don’t have to pay out-of-pocket expenses. Some additional benefits of the super top-up plan include zero age restrictions, aggregate deductibles, consumables coverage, and a substantial cumulative bonus.

Buy Super Top Up Insurance

Arogya Sanjeevani Plan

The Arogya Sanjeevani Policy is the most basic and affordable medical insurance Pune you can get from TATA AIG. It offers coverage of up to ₹10 lakh, including coverage of hospitalisation costs, special surgical procedures, AYUSH cover, and more. Our Arogya Sanjeevani also provides an attractive cumulative bonus, lifelong renewability, and flexible premium payments.

Buy Arogya Sanjeevani Plan

Disclaimer: The above benefits list is not exhaustive and subject to terms and conditions. Please check the Policy Wording document for updated information.

Inclusions of Medical Insurance Pune

• Inpatient 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 doctors' fees.
• Pre- and Post-Hospitalisation: Your health insurance looks after all pre- and post-surgery expenses, including doctors' fees, medicines, follow-up appointments, etc.
• Annual Checkups: Annual preventive health checkups are included in most of our health insurance plans.
• No Claim Bonus (NCB): An NCB is a reward by the insurer to the policyholder for not raising a claim during the policy year. We offer a cumulative NCB that increases the sum insured amount.
• Daycare Procedures: For some treatments (such as cataract removal, chemotherapy, dialysis, etc.), patients don’t need to be in the hospital for 24 hours. At TATA AIG, we cover 540+ daycare procedures.
• AYUSH Cover: Our health insurance in Pune covers hospitalisation and daycare treatment related to Ayurveda, Unani, Siddha, Homeopathy and other alternative disciplines.
• Global Cover: This covers medical expenses and visa service fees for treatments diagnosed in India and treated in overseas countries.
• Ambulance Charges: We also cover road ambulance services for transporting the patient to a hospital from residence or another hospital, subject to policy terms.
• Domiciliary Hospitalisation: Most plans cover at-home medically necessary treatments under the supervision of a qualified doctor in situations where hospitalisation isn’t possible.
• Automatic Restoration: This feature involves refilling or replenishing the sum insured and cumulative bonus automatically when you have exhausted them on a claim.

Exclusions of Medical Insurance Pune

• 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 unless they are medically necessary.
• Dental and Auditory: Since dental and auditory treatments are outpatient procedures, these are usually 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.

Disclaimer: The above inclusions and exclusions are subject to terms and conditions. Read through your Policy Wording document to know the latest terms.

Choose the Right Coverage

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

Opt for Family Floater Plans

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, check what discounts you can get on the premium costs for including multiple members in one plan.

Choose a Plan Offering Lifetime Renewability

With lifetime renewability, you can renew your plan during old age instead of having to buy a more expensive coverage. This lets you retain your cumulative bonus and premium discounts earned over the years.

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. Ensure to choose an insurance company with a high CSR, low turnaround time for settling claims and a good reputation.

Check the Network of Cashless Hospitals

Check the list of network hospitals at the time of insurance purchase, as you can avail of the cashless hospitalisation service at these facilities. Also, assess if the insurer offers access to reputable hospitals near your residence and places you frequently visit.

Look for Lower Waiting Periods

The waiting period is the time you must wait till the insurance plan starts providing coverage. If you have a pre-existing disease, choose a policy with a lower waiting period for raising a claim. Also, check the waiting periods for specific diseases if you have a high risk of being afflicted.

Wide Cashless Hospital Network

We offer access to an extensive network of 12,000+ hospitals where you can get high-quality medical care and instant claim settlements. No matter where you are in Pune, you can find one of our network hospitals near you. You can also go to any non-network hospital based on your convenience and get your claims settled.

The TATA Promise

By choosing TATA AIG, you put your trust in the 150-year-old legacy and heritage of the TATA brand, one of India’s most recognisable and household names. As an insurance company, we have been providing risk protection and assured claim settlements for over 25 years. With such a long history of reliability, you can enjoy complete peace of mind when you choose us.

Safety and Security

At TATA AIG, we greatly value your privacy and safety. We ensure 100% secure data storage and payment systems that safeguard you from malicious actors. All of the personal and payment information you share with us is kept completely confidential, while our insurance plans ensure your financial safety.

Emergency Claim Settlement Process

A medical emergency can be an extremely stressful situation. However, if you have the best health insurance in Pune, you can get admitted to any network or non-network hospital without filing a prior claim. Then, you can file a cashless claim within 24 hours of your hospitalisation with the help of the hospital staff.

Online Comparison

At TATA AIG, we make it easy for you to compare our plans and make an informed financial decision. You can compare health insurance plans before purchase based on premium costs, sum insured, and other factors to find the best option. You can also use our online health insurance premium calculator to select the most affordable plan.

Instant Purchase and Renewal

Our digital process for purchase and renewal ensures transparency and convenience. You can instantly purchase and renew your plan, compare policy features and file cashless claims on our online portal with just a few clicks. Just visit the health insurance page and fill in the details.

Get Assistance from Experts

You can connect 24x7 with our customer service to get help regarding any queries, feedback, complaints or difficulties regarding purchases and renewals. We also have a dedicated team of experts available to help you with claim settlement and processing.

Completely Paperless Process

Our completely digital process means that you don’t have to visit an office to buy health insurance online. You also don’t have to submit any physical documents when buying or renewing your health insurance plan. Instead, upload the soft copies of a few essential documents for all policy-related procedures.

Step 1: Visit the official TATA AIG website and select “Health Insurance” under the Personal tab

Step 2: Select the people you wish to ensure and their respective ages. Then click on ‘Get Plan’.

Step 3: Provide your contact details, medical history, and pre-existing illness (if applicable) and click on ‘See Plan’.

Step 4: Select a plan of your choice based on the details shown. Enter the sum insured amount and policy tenure.

Step 5: Complete the payment to buy online health insurance Pune. Your policy documents will be issued in a few minutes.

Documents Required

• Identity proof (Aadhaar, driving licence, passport)
• Proof of residential address (Aadhaar, voter ID, passport)
• Income proof (bank statements, salary slips, etc.)
• Age proof (Aadhaar, birth certificate, passport)
• Medical documents and previous policy documents (if required)

Step 1: Visit the TATA AIG website and select the “Renew Your Policy” tab followed by the “Health Renewal” option.

Step 2: Enter your existing policy number and click on the Renew button.

Step 3: Review the premium details and make necessary changes.

Step 4: Pay the premium by your preferred mode of payment, after which the policy will be renewed.

Cashless Claim Settlement- Emergencies

Step 1: Get admitted to any network or non-network hospital in Pune.

Step 2: Submit the cashless claim form within 24 hours of your hospitalisation with the necessary documents.

Step 3: Wait till the hospital receives our authorisation letter, after which we will settle the claims directly with the hospital.

Cashless Claim Settlement- Non-Emergencies

Step 1: Visit our claims page or send an email or a letter to notify us at least 48 hours before your planned hospitalisation.

Step 2: Wait till we send the confirmation letter and notify the hospital.

Step 3: Present the confirmation letter at the insurance desk along with your health ID card.

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

Reimbursement Claim Settlement Process

Step 1: Go to our claims page and initiate a reimbursement claim.

Step 2: Inform us about the medical treatment required and the hospital where you would be receiving your treatment

Step 3: Once you receive the necessary treatment, pay the bills from your pocket

Step 4: 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, we will complete the payment within 15 days of receiving all relevant documents.

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

If you have a TATA AIG Health Insurance Plan, you can get cashless treatment at any hospital in Pune and the rest of India. With our Cashless Everywhere facility, we settle 100% of admissible claims directly with any hospital across the country. We address all claims within one hour of receiving the initial request and provide final authorisation within 3 hours of your discharge.

To receive cashless claims at any hospital, follow these steps:

Step 1: Inform TATA AIG at least 48 hours before a planned hospitalisation and 24 hours after getting admitted for an emergency.

Step 2: Send “GetCashlessPolicy NumberCity” to 7669300780 via SMS and wait for an expert to call you.

Step 3: Wait till we verify and process your claim request and settle your bills.