Health Insurance in Tamil Nadu

Quick Summary

• Tamil Nadu has multiple health risks, including lifestyle diseases, infectious diseases and nutritional deficiencies, making health insurance necessary for financial protection and cashless treatment.

• At TATA AIG, you can choose from multiple types of health insurance plans, including individual, senior citizen, family floater, critical illness insurance and super top-up plans.

• Our health insurance policies offer multiple benefits, including a cumulative bonus, discounts on family plans and long-term plans, a wide-reaching cashless hospital network and a large selection of add-on covers.

• Our plans cover hospitalisation costs, pre- and post-hospitalisation costs, daycare procedures, AYUSH treatment, domiciliary hospitalisation, ambulance charges, preventive health checkups, global cover, and more.

• We offer simple and user-friendly processes for buying and renewing health insurance plans and multiple ways to file claims.

• Non-Communicable Diseases: Tamil Nadu has a high prevalence of non-communicable and lifestyle diseases, such as diabetes, hypertension, and ischemic heart disease. Around 12% of adults suffer from diabetes, while 25% of adults suffer from hypertension.

• Infectious Diseases: Water-borne diseases such as acute diarrhoeal disease and cholera have sporadic outbreaks throughout the year and major outbreaks during the rainy season. Tuberculosis, malaria and HIV are also common infectious diseases.

• Nutritional Deficiencies: Anaemia is a common nutritional issue affecting 54% of all women and 21% of all men. Tamil Nadu also has the highest rate of female malnutrition among teenage girls below 18 years.

• Female Health Issues: Women in Tamil Nadu suffer from specific health issues, including anaemia, malnutrition, cervical cancer, breast cancer and reproductive complications. Cervical cancer is the leading cause of female mortality, causing 40,000 fatalities yearly.

• Road Accidents: Road traffic accidents are a leading cause of injuries, disabilities and fatalities in the state. Tamil Nadu ranks 5th in road accidents in India, with 10,525 fatalities as of 2021.

• Risk of Lifestyle Diseases: A combination of a sedentary lifestyle, high-calorie diets and lack of preventive care increases the risk of lifestyle diseases like diabetes and hypertension. Health insurance covers long-term treatment costs and preventive health checkups for such diseases.

• Treatment of Infectious Diseases: Tamil Nadu’s coastal climate increases the risk of malaria, dengue, acute diarrhoea, and other infectious diseases. Stay protected with a Tamil Nadu health insurance plan that covers emergency hospitalisation, daycare procedures and home treatment for infectious diseases.

• Offsetting Medical Inflation: Medical treatments are expensive in Tamil Nadu, and the costs increase each year, mirroring the national trend. Moreover, residents pay higher than average out-of-pocket expenses, averaging ₹37,735 in urban areas as of 2021, making health insurance a necessity.

• Financial Protection: The high risk of diseases and the cost of treatment in Tamil Nadu can deplete your savings and push you into debt. Health insurance plans in Tamil Nadu help by providing financial protection against chronic illnesses, emergency hospitalisation, and expensive treatments.

• Cashless Hospitalisation: One of the biggest benefits of having a health insurance plan is the cashless treatment facility. With cashless health insurance, you can access medical treatments at any authorised hospital in the state without any upfront payments.

• Tax Savings: Save taxes on the premiums you pay for health insurance for yourself, your spouse, children and parents. Under Section 80D, you can save up to ₹1 lakh in a financial year under the old tax regime, subject to certain conditions. In addition, you can save tax on preventive health checkups.

• Individual Health Insurance Plans

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• Senior Citizen Health Insurance Plans

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• Family Health Insurance Plans

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• Critical Illness Health Insurance Plans

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• Personal Accident Health Insurance Plans

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• Arogya Sanjeevani Policy

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• Super Top-Up Health Insurance Plans

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• Substantial Cumulative Bonus: The best medical insurance in Tamil Nadu provides a substantial bonus upon renewal for every claim-free year without any additional premium. Get 10% to 100% cumulative bonus on the sum insured, depending on the plan you have selected.

• Extensive Cashless Hospital Network: At TATA AIG, we offer an extensive network of 12,000+ cashless hospitals across India, including hospitals in major cities like Chennai, Coimbatore, Madurai and Tirupur. No matter where you are, get admitted to a network hospital for quick settlements and no paperwork.

• Affordable Health Plans: The best health insurance in Tamil Nadu comes with premium costs as low as ₹15/day. We also offer discounts for adding family members, from 20% for two members to 32% for more than three members and up to 10% off on long-term plans.9

• Wide Range of Coverage Features: Our health plans offer more than standard coverage. With features like global cover, critical illness cover, vaccinations and wellness services, get coverage based on your unique medical needs. To get the best protection for a single person, choose our individual health insurance plan.

• Add-Ons for Customisation: If your chosen medical insurance in Tamil Nadu does not cover a benefit, include one or more add-ons to ensure complete coverage. Choose from 34+ add-on covers, including accident cover, inflation protection, premium waivers, emergency assistance services, and more.

• Round-the-Clock Assistance: Get immediate assistance for anything from product queries, claim filing or health emergencies through our 24/7 customer support helpline (022-6489-8282). We have a dedicated team of 750+ professionals to help you get your claims settled on time.

Fully Digital Process

Compare plans, get quotes and buy health insurance online

• Click on Buy Insurance: Scroll up to find purchase options and click on ‘Want to buy insurance’.

• Add Family Members: Choose a member or select the number of family members to include and click on ‘Get Plan’

• Enter a Few Details: Provide the required information, including personal details, contact number and PIN code.

• Choose Your Coverage: Review the plans available based on your inputs and choose a plan. Modify the coverage details and include add-ons as needed.

• Pay the Premium: Check the premium quote, and if acceptable, pay the premium amount to buy the best insurance policy in Tamil Nadu based on your needs.

• Select Health Insurance Renewal: Find ‘Renewal’ at the top of this page and select ‘Health’ from the dropdown menu.

• Enter Your Policy Number: Type in your existing policy number and click on the ‘Renew’ button.

• Make Necessary Changes: Review your existing policy details and modify coverage limit, tenure and include add-ons per your preference.

• Pay the Premium: Pay the revised premium amount to renew your health insurance plan.

Cashless Claim- Emergency

• Inform TATA AIG: Inform us within 24 hours of getting hospitalised for unplanned emergency treatment.

• Fill out the Cashless Form: Get a cashless claim form from the hospital and fill it out with the necessary details.

• Submit with Documents: Submit the claim form with your health card, policy documents, identity and address proof and cKYC for claims above ₹1 lakh.

• Wait for Authorisation: Wait till we verify your claim and send an authorisation letter to the hospital, and settle your bills.

Cashless Claim- Non-Emergency

• Inform TATA AIG: Inform us at least 48 hours before your planned hospitalisation via email or a letter.

• Wait for Confirmation: Wait till we verify your claim and send you a confirmation letter, and inform the hospital you have selected.

• Submit the Letter: Upon arrival at the hospital, submit your health ID card and confirmation letter before getting admitted.

Reimbursement Claim

• Pay for Treatment: Pay for the treatment out of your own pocket and collect all necessary documents, including bills, prescriptions and receipts.

• File a Claim: Submit the reimbursement claim form along with documents, such as discharge card, medical certificate, bills, prescriptions, policy documents, etc.

• Wait for Settlement: Once we receive and verify your claim, we will credit the eligible amount to your bank account.

Explore the minimum health insurance coverage required in Tamil Nadu based on different requirements:

• Minimum Coverage for an Individual: Typically, your health insurance plan should cover at least 50% of your annual income. To cover major diseases in Tamil Nadu, ₹10 lakhs of coverage is recommended.

• Minimum Coverage for a Family: For a family, experts advise having at least ₹5 lakhs of health insurance coverage per person. A family with four members requires at least ₹20 lakhs of sum insured.

• Minimum Coverage Based on Residence: A ₹5 lakh Tamil Nadu medical insurance plan may be enough when living in a tier-3 city like Erode and Hosur. However, when living in a tier-1 city like Chennai, you may need ₹10-15 lakhs of health insurance coverage.

• Minimum Coverage for Senior Citizens: A senior citizen living in a tier-1 city will need at least ₹20 lakhs of health insurance coverage, while in tier-3 cities, they will need at least ₹10 lakhs of coverage.

The Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) is the state government’s flagship scheme providing free healthcare coverage. Know if that’s enough for you:

TATA AIG’s cashless hospital network includes a wide range of medical colleges, multispeciality hospitals, nursing homes, and specialist clinics in Tamil Nadu. Explore the most popular network providers in the state:

• A4 Hospitals & Fertility Centre Pvt Ltd (Chennai)
• Sri Venkateswaraa Medcity (Chennai)
• Sri Meenakshi Multi Speciality Hospital (Melkottaiyur)
• Sugan Maternity Hospital (Neelankarai)
• RIMS Hospital (Padiyanallur)
• Aravind Eye Hospital (Coimbatore)
• BRJ Orthocentre & Mak Hospital (Kuppakonam Pudur)
• Kovai Diabetes Speciality Centre & Hospital (Ram Nagar)
• Apollo First Med Hospital (KK Nagar)
• Balaji Multispeciality Hospital (Madurai)
• Vijayalakshme Eye Hospital (Tiruchirappalli)
• Kavi Hospital & Neuro Foundation (Sangiliyandapuram)

Find a cashless hospital near your residence in Tamil Nadu by checking out our cashless network hospital page. Simply enter the city name to check the hospital names, addresses and contact details.