Health Insurance in Punjab

The dynamic state of Punjab is found to grapple with healthcare challenges as the incidence of life-threatening diseases such as cancer rises. Further, pollution caused due to stubble burning poses a risk to individuals with chronic obstructive airway disease, diabetes, heart disease, and other respiratory illnesses.

In such a scenario, a health insurance plan with adequate coverage can ensure financial security in the event of a health emergency requiring immediate medical attention. It can cover the medical costs arising due to hospitalisation, pre- and post-hospitalisation, ambulance, and even daycare procedures.

With our Tata AIG health insurance product solutions, you can compare and select the best medical insurance that will suffice your medical needs, considering your family's medical history. So, here is all that you need to know about medical insurance and what we have to offer!

Health insurance companies in Punjab offer different types of health insurance plans to meet diverse financial and medical needs. Here is a brief overview.

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Types Of Health Insurance Plans	Key Features	Tata AIG Offering
Individual Health Insurance Plan	Offers coverage for the medical expenses of a single individual. Offers an exclusive sum assured that can be availed maximally It can be used to cover individuals, spouses, and other dependent family members	Tata AIG Medicare
Family Health Insurance Plan	Offers coverage for the medical expenses of the entire family under one plan. Covers spouse, children, and other dependent elderly members Sum assured is shared among the insured members The best mediclaim policy for your family in Punjab can be highly affordable	Tata AIG Medicare
Critical Illness Insurance Plan	Covers the medical expenses for treating a life-threatening disease such as cancer, kidney failure, cardiac complications, etc. Coverage subject to the critical illnesses covered Funds are provided when the disease is diagnosed during the policy period.	Tata AIG Criti MediCare Insurance
Senior Citizen Health Insurance Plan	Covers medical expenses, exclusive for senior citizens (above 60 years of age) Expensive Provides additional benefits such as annual health check-ups, road ambulance cover, etc.	Tata AIG Elder Care
Super Top-Up Health Insurance Plan	Enhances the coverage when the sum assured gets exhausted Cost-effective Covers medical expenses including hospitalisation, pre-and post-hospitalisation	Tata AIG Medicare Plus

The terms and conditions of a health insurance plan differ between individual insurance providers and policy options. It defines the medical insurance inclusions and exclusions. Knowing this information is essential to benefit from the health insurance policies and make valid claim requests.

Here is a brief description of Tata AIG health insurance policy inclusions and exclusions.

Medical Insurance Inclusions	Medical Insurance Exclusions
Covers hospitalisation expenses arising out of medical treatment for any injury, illness, or health condition. It can include other charges, such as ambulance costs.	Does not cover plastic surgery or cosmetic surgery unless recommended by a doctor for treating a disease or an injury.
Covers pre-hospitalisation costs spanning 30 to 60 days before the admission and post-hospitalisation costs spanning 60 to 90 days after being discharged.	Does not cover the medical costs of treating a pre-existing illness before the expiry of its waiting period.
Covers more than 540 daycare medical procedures that require less than one day of hospital admission.	Does not cover the medical costs of treating injuries arising out of intentional self-harm.
Covers treatments for health conditions arising out of pre-existing illnesses after the specified waiting period.	Does not cover preventive treatments, such as vaccination, inoculation, and immunisations, unless explic

Due to lifestyle changes and rising medical complications, health insurance companies in Punjab have developed different product options to help people cover the increasing medical costs.

As the options increase, choosing the best health insurance in Punjab for your financial needs becomes imperative.

Here are a few factors that you can consider.

Medical Insurance Coverage- The coverage offered by a health insurance plan should be affordable and also adequate to manage your financial emergencies.

Features and Benefits- The features and benefits offered by health insurance plans differ between the insurance providers. Therefore, compare the options based on their types of medical insurance plans, inclusions, and exclusions to decide on the best health insurance plan.

Premium Rate- As you evaluate products, it is essential you equally focus on the premium rate to ensure it is affordable and worth the coverage. At Tata AIG, we offer a health insurance premium calculator to take a well-informed decision.

Claim Procedures- During an emergency, online procedures are highly preferred for their ease of access and convenience. Ensure that the insurance provider has a well-established platform for online services.

Network Hospitals- Network hospitals are hospitals authorised that have tie-ups with the insurance providers. The process to initiate a claim settlement is more straightforward in such empanelled hospitals as compared to non-network hospitals.

Effortless Health Insurance Coverage: Convenience at Your Fingertips- When you purchase health insurance online, you can find different products, compare their features and benefits, and decide on the best medical insurance in Punjab conveniently at home or office.

Instant Protection: Tailored to Your Needs with Tata AIG- At Tata AIG, we have established an online platform where you can choose the product, provide the necessary details, pay the applicable premium and get the health insurance coverage almost instantly.

Bypass Middlemen: Economise Health Insurance—When you go to purchase health insurance online, you can skip the interference of a mediator, such as an insurance agent, eliminating related expenses and making health insurance more affordable.

Tailor-made Health Insurance Coverage Options- When you buy a health insurance plan with us at Tata AIG, you can choose between the different products, add-on covers, and other applicable benefits based on your requirements to customise it for your needs. For example, with our 5 lakh health insurance, you can get comprehensive health insurance coverage of up to ₹5 lakhs if that is your requirement.

Simple and Hassle-free Claim Settlements- At Tata AIG, we follow a streamlined claim settlement process for both cashless and reimbursement claims online. Furthermore, for the fiscal year 2020-21, we achieved a claim settlement ratio of 94.21%.

Significant Cost Reductions- Our extensive range of product choices also includes significant discounts.

For instance, for every claim-free year, you can accumulate a bonus of up to 50% and benefit from premium reductions with the increase in the number of insured members for the Family Floater Health Insurance Plan and with the number of policy years for our Tata AIG Medicare plan.

Key Features and Benefits	Details
Comprehensive Coverage Benefits	Offers medical insurance coverage for hospitalisation, pre-and-post-hospitalisation expenses, pre-existing illnesses, ambulance expenses, etc.
Automatic Restoration	The sum insured can be replenished if it is exhausted during a policy year.
No Sub-Limit on the amount paid as hospital rent	The upper limit on hospital admission expenses gets removed with this feature.
Daycare Procedures	Daycare procedures that need less than a day or 24 hours of hospitalisation get covered.
AYUSH Treatments	We also offer medical insurance coverage for AYUSH (Ayurveda, Yoga, Unani, Sidha, or Homoeopathic) treatments.
Online Services	We offer a simple and hassle-free online platform to buy a health insurance plan and facilitate paperless claim settlements when necessary.
Tax Advantage	You can avail of income tax deduction benefits under Section 80D for the medical insurance premium amounts paid for yourself, your family, and your parents.
Premium Discounts	A cumulative bonus of up to 50% for every claim-free year and other premium discounts as applicable based on the choice of product.

With Tata AIG health insurance, you can buy and renew your health insurance plan in a few simple **Steps online.

How to Buy Tata AIG Health Insurance in Punjab?

Step 1: Visit our Tata AIG official website.

Step 2: Navigate to the "All Products" tab and click on the downward-pointing arrow.

Step 3: Choose between MediCare, MediCare Plus, ElderCare, and Video Assistance plans.

Step 4: Before deciding on the best health insurance for your needs, understand and compare the features and benefits of the individual product options.

Step 5: After choosing the specific product, select the person or number of persons to be insured.

Step 6: Click on "Get plan."

Step 7: Fill in all the required information, such as name, DOB, Email address, mobile number, etc.,

Step 8: Upload documents as prompted by the screen and proceed with the following **Steps.

Step 9: The next screen will display the premium based on your input.

Step 10: Pay the applicable premium with any of the digital payment methods, and we will send your medical insurance policy document.

How to Renew Tata AIG Health Insurance in Punjab?

Step 1: Visit our Tata AIG official website.

Step 2: Navigate to the "Renewal" tab and then select "Health."

Step 3: Fill in your health insurance policy number and click on "Renew".

Step 4: Fill in the required information and proceed with the following **Steps.

Step 5: Based on the information you have provided, the applicable premium is displayed on the screen.

Step 6: You can pay the applicable premium with any of the digital payment methods, and we will send you your medical insurance policy document.

Documents Required to Buy Tata AIG Health Insurance in Punjab

**Proposal form with all the necessary information duly filled and signed.

Proof of Identity: It can be an Aadhaar Card, Passport, etc.

Proof of Income: It can be Salary Slips, Income Tax Return Forms, Bank statements, etc.

Proof of Address: It can be an Aadhaar Card, Driving Licence, Passport, etc.

• Medical reports, if necessary

• Cancelled cheque

At Tata AIG, we also offer seamless claim settlement processes for both cashless claims and reimbursement claims.

How to File a Cashless Claim?

Step 1: Visit our Tata AIG Claims Process page.

Step 2: Click on 'Initiate Claim' and choose "Health" for the product.

Step 3: Fill in your mobile number (registered with us) to log in to the system and click on "Confirm." To answer your queries, connect to us with our 24/7 customer helpline number.

Step 4: Fill in the necessary personal details, select cashless claims, and proceed to submit the claim request.

**Step 5—After checking the details, we will approve the claim amount and pay it directly to the hospital.

How to File a Reimbursement Claim?

Step 1: Visit our Tata AIG Claims Process page.

Step 2: Click on 'Initiate Claim' and choose "Health" for the product.

Step 3: Fill in your mobile number (registered with us) to log in to the system and click on "Confirm." To answer your queries, connect to us with our 24/7 customer helpline number.

Step 4: Fill in the required personal information and choose reimbursement claims.

Step 5: Upload all the required documents, especially the hospital bills and receipts.

Step 6: Proceed to submit the claim request.

Step 7: After checking your documents, we will reimburse the expenses up to the approved limit.

Documents Required for Reimbursement Claim

• Claim form with all the relevant details, duly filled and signed.

• Medical insurance document

• Medical reports

• Medical certificate

• Diagnostic Reports

• Discharge summary

• Hospital Bills and Receipts

• Cancelled cheque

Cashless claims were previously offered exclusively in Tata AIG's network of hospitals. With the introduction of the General Insurance Council (GIC)'s initiative on "Cashless Everywhere", the cashless claim benefits are extended to authorised non-network hospitals.

Therefore, in the event of an emergency or planned treatment, you can register for and benefit from cashless claims in network and non-network hospitals throughout the country. So you can get timely access to quality treatment, and we will pay the hospital directly!