Health Insurance in Pune
Health Insurance in Pune
Nestled between the famous Sahyadri hills, Pune city is an upcoming urban hub and a growing industrial centre of Maharashtra. In some ways, it has proved to be better than most metro cities for living.
The pleasant weather conditions are an obvious positive. And apart from that, Pune has taken plenty of human-driven initiatives to get it right. One of the leading attractions of the city is its excellent public infrastructure like roads and railways. Moreover, private investments like malls and multiplexes, along with the robust infrastructure, make it a happening city.
Furthermore, this city is surrounded by nature. The hills and green cover give it an edge over the country’s pollution crisis. Thus, people are flocking over to this city and planning to live and retire there.
However, wherever you go, it is essential to insure you and your dear one’s health, even if you have sound health conditions presently. It is here that the imperativeness of having good health insurance in Pune comes into play.
Health Insurance in Pune Overview
Health insurance companies in Pune offer plans that provide you with protection and help you save money, and cut down your medical expenditure. The Mediclaim policy in Pune covers typically nursing care, consultation, hospitalization, medical check-ups, and hospital accommodation.
However, only exceptional health insurance companies in Pune will provide you with a Global cover, vaccination cover and even coverage for Ayush treatment. We at Tata AIG, with the health insurances in Pune, aim to provide that. You just need to pay our affordable premium to get full coverage.
If you are sceptical, you can read the policy wordings in detail. You can understand the plethora of benefits that we offer and then use the health insurance premium calculator online. Using that effective tool will help you understand your requirement and need better and choose the health insurance in Pune. Go on, read the health plans in detail and make a suitable choice!
Significance of Health Insurance in Pune
Health problems are being dealt with in every corner of the country. And like the rest of the country, lifestyle diseases are also on the rise in Pune. Due to uneven meal timings, the stress of work and other unhealthy food habits, the residents of Pune are dealing with health issues.
Plus, as per a study report, the prevalence of diabetes was 10.5 %. Moreover, it has started increasing in poor, illiterate and health ignorant population in rural Pune. Solely, due to this reason, people of the city must have good medical insurance in Pune.
With the increasing health care costs and medical inflation, it will be difficult to manage medical expenses. Thus, if you are living here or planning to do so, make sure that getting comprehensive health insurance in Pune tops your to-do list.
Among the list of health insurance companies in Pune, you will find that Tata AIG is a renowned insurance provider. Our medical insurances in Pune can help you in your time of need.
Tips to Consider Before Buying Health Insurance in Pune
With a list of health insurance companies in Pune, a new health insurance buyer like you may find it challenging to choose. So, to ensure that you choose the best Mediclaim policy in Pune, it will be helpful to consider these tips:
- Start with charting out your needs based on your age, current medical condition, number of family members and others
- Select the best health insurance in Pune with a high sum insured for getting ample cover for your medical costs
- It would be wise to check the network hospitals of the chosen health insurance company in Pune.
- Ensure that your health insurance in Pune includes features like lifetime renewability, annual health check-ups and no claim bonus
- Be smart and check for the policy exclusion and waiting period so that you can plan accordingly
- And most significantly, to find the best Mediclaim policy in Pune, know the claim settlement ratio of the various health insurance companies in Pune.
- Then make sure to check the procedure to file the claims mentioned in the policy wordings of the medical insurance in Pune.
All the best health insurances in Pune have the features discussed above. So, keep in view these features and your needs to choose the best Mediclaim policy in Pune.
Why Makes Tata AIG Medical Insurance in Pune Beneficial?
Given below are several reasons that make Tata AIG one of the best health insurance companies in Pune: Up-front Online Procedure: Tata AIG offers the best health insurance in Pune as they are easily and readily available online. An easy process and quick steps can help you buy an all-inclusive plan without any trouble.
Coverage for All People: We have diverse plans that cover people across groups. Starting from newborns to senior citizens, as well as group health insurance plans for a family.
Tax Benefits: As structured under Section 80D of the Income Tax Act, you will benefit from some tax deductions.
Option for Copayment: We have highly flexible medical insurances in Pune. You can also opt for the copayment option wherein you will pay a portion of the medical expenses, and we will pay the residual amount.
Extensive Network of Hospitals: Our wide-spread network of hospitals in Pune helps you in your tough times. Here, you can choose cashless hospitalization as well.
Covers Pandemic: As one of the finest health insurance companies in Pune, we understand the sudden needs and increasing changes. To counter these problems, we have health plans dedicated to solving budgetary problems that may arise due to pandemics like the novel Coronavirus.
Claim Settlement Ratio: Our claim settlement ratio is 96.43 in the FY19-20, making us one of the most dependable health insurance companies in Pune.
Cumulative Bonus: If a situation arises wherein you do not file for a claim in the entire year, we also grant a cumulative bonus during renewal. We make an increase in your sum insured amount.
What are the Exclusions of Tata AIG Medical Insurance in Pune?
As one of the customer-centric health insurance companies in Pune, we try to make our health insurances in Pune as beneficial as possible. However, there are some limitations, as some exclusions. These can be divided between medical and non-medical exclusion. Find below a few of the medical exclusions:
- Plastic surgery or cosmetic surgery unless essential as part of treatment certified by the attending medical professional. The procedure can be part of reconstruction following an accident, cancer, or burns.
- In the event of rehabilitation measures, custodial care, sanatorium treatment, respite care.
- In case you require getting vaccinated during inoculation and immunizations (except in case of post-bite treatment and other vaccines explicitly covered)
- Unverified and experimental treatments, Hyperbaric Oxygen Therapy, enhanced Counter Pulsation (EECP), Chelation therapy, External Counter Pulsation, Rotational Field Quantum Magnetic Resonance (RFQMR).
The non-medical exclusions for our medical insurances in Pune comprise of:
- Commodities of personal comfort and convenience like television, charges for access to telephone calls, internet, cosmetics, and other such services.
- Any type of treatment rendered by a medical professional is outside their discipline.
- The fees charged by the medical professional sharing the same residence as you or if they are your immediate relative.
You can refer to the policy wordings for a complete list of benefits and exclusions and a better understanding. In case you have any more doubts, our pro-active team will be happy to guide you through the health insurance document in detail.
How to Avail Cashless Treatment in Pune?
Please find below the steps for availing of the cashless treatment facility with us at Tata AIG:
- Opt for any network hospital in the city for treatment
- Kindly inform us about the hospitalization within the specified time
- You will then have to submit the duly signed pre-authorization form to the insurance desk at the network hospital
- You should make sure to avoid forgetting to provide all the supporting documents and the health card
- And once these documents are verified, our claim management team will send an approval
- If they do not and have any query, they may ask you
- After the approval is received, the medical bills will be settled as per the terms and conditions already specified.
We will start processing the claim after considering the policy terms. You will need to contact us within 24 hours in the event of emergency hospitalization. And 48 hours is the decided time before the admission in case of planned hospitalization.
Health Insurance Renewal in Pune
Topping the list of health insurance companies in Pune, we at Tata AIG understand the need for accessibility and ease. Thus, we ensure to provide an easy renewal process. Like having the best health insurance in Pune, renewing it in due time is exceptionally vital. It would be beneficial if you kept in mind that every company has a different renewal procedure. Although something remains common. It is the failure to renew the plan that could make you lose your health plan coverage as well as the NCB (No Claim Bonus).
Given below is the renewal procedure for medical insurances in Pune. To put it simply, kindly follow these easy steps:
Step 1: Visit Tata AIG’s official website.
Step 2: Look for the renewal option and click on it.
Step 3: Then, fill in the health policy number and other required details and press enter.
Step 4: In case you want to add to your existing policy with new riders, add them. Once that is done, click on the enter button for easy renewal online.
Step 5: You will then be directed to the payment page for your health insurance renewal. Plus, you will be provided with the option to pay via credit card, debit card or net banking.
Step 6: As soon as the premium payment is successful, you will be done with the renewal of the health insurance policy online.
Step 7: You can then save these details of renewal for future use.
List of Cashless Hospital Network in Pune
We understand the changing needs and thus try to rise to the occasion and support and provide our customers with the best services. Resultantly, we make sure to facilitate the finest healthcare services for you.
For enabling the same, we have tie-ups with all the famous hospitals to make sure that you get good quality treatment without worrying about medical expenses. Do have a look at our list of cashless hospitals in Pune:
Aarogya Maternity And Multispeciality Hospital Address: Bhigwan Chowk, Near Silver Jubilee Hospital, Chimanshaha Mala, Baramati, Pune, Dist: Pune State: Maharashtra-413102
ACE Hospital Address: S.No.32/2a, Near Hotel Abhishek, Erandwana, Gulawani Maharaj Road Pune 411004 Dist
Aditya Birla Memorial Hospital Address: Aditya Birla Hospital Marg P.O.ChiNohwad Pune 411033 Dist Pune Maharashtra
Agarwal Maternity & General Hospital Address: 45/1+2+5,Sangarsh Chowk Kharodi Road, Chandanagar Pune 411014 Dist Pune
AIMS Hospital & Research Centre Address: S.No.154, Near Aims Square, Aundh Pune 411007 Dist Pune Maharashtra
Amrut Hospital And Research Centre Address: Alandi Devachi, Markal Road, In Front TJSB Bank, Tal-Khed, Pune 412105 Dist Pune
Avan Multispeciality Hospital Address: 1st Floor, Mukai Complex, Above Vijaya Bank, Sinhagad Road, Khadakwasla, Haveli, Pune -
Bhagali Clinic & Nursing Home Address: Plot No-2 Standard Society Bibwewadi Pune 411037 Dist Pune Maharashtra
Bendre Hospital And Maternity Home Address: Deshmukhwadi, Surjepura, Ahmednagar 414001 Dist Ahmednagar Maharashtra
Bhagwati Netralaya Address: 1st Floor, Siddhi Arcade, Manik Chowk, Chakan, Khed, District: Pune
Reviewed TATA AIG Health Insurance Customer from Pune
Ravi Kumar Agarwala The customer support of Tata AIG is outstanding and fast. It made my experience of buying health insurance hassle-free and fruitful.
So instructive and easy! I had no idea that buying health insurance online will be so easy. Thank you to the prompt Tata AIG customer support team for your swift responses.
Shalini Kukreja I will always recommend Tata AIG. Swift and easy buying process and incredibly supportive customer support.
Romil Rai If Tata AIG is not the best health insurance company, I don’t know which one. I have bought numerous health insurance plans that have proved to be beneficial all these years.
Prerna Bisht Do not look for more options. Just opt for Tata AIG. Their customer-centric approach is what sets them apart from the rest in this field.