Health Insurance in Tamil Nadu

• Rising Healthcare Costs - Health insurance in Tamil Nadu helps families manage rising treatment costs. This is especially relevant where the Tamil Nadu government health insurance scheme may not fully cover all procedures.
• Access to Quality Treatment - With Tamil Nadu medical insurance, individuals get access to advanced treatments without worrying about the financial burden.
• Cashless Hospitalisation - Top insurers like TATA AIG offer cashless treatment at network and non-network hospitals, making it easier during medical emergencies.
• Support During Emergencies - Medical emergencies can strike at any time. Having health insurance in Tamil Nadu ensures immediate access to care without delays.
• Coverage for Critical Illnesses - Many medical health insurance plans include critical illness coverage, helping policyholders fight life-threatening diseases with confidence.
• Tax Benefits Under Section 80D - Policyholders can claim tax deductions on premiums paid for themselves and their family members.
• Financial Relief for Medical Expenses - Health insurance in Tamil Nadu provides emotional and financial relief, especially for families with elderly members or children.
• Focus on Preventive Care - Several Tamil Nadu medical insurance policies cover preventive health checkups, promoting early detection and wellness.
• Protection Against Out-of-Pocket Expenses - Health insurance protects savings by covering hospitalisation, surgery, tests and post-treatment care.
• Encourages Timely Medical Attention - When people have insurance, they do not delay necessary treatments due to cost concerns.

Individual Health Insurance

The Individual Health Insurance Plan offered by TATA AIG covers a single person for hospitalisation, daycare procedures and pre‑ and post‑hospitalisation expenses. It is ideal for individuals without dependents. This plan offers cashless treatment in network and non-network hospitals, lifelong renewability and tax benefits under Section 80D.

It ensures that the entire sum insured is dedicated solely to you, simplifying policy management and claims. The premium for such health insurance plans depends on the individual's age, health issues, medical history, and the sum insured.

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Family Floater Plan

With the TATA AIG Family Floater Plan, you cover your spouse, children and optional dependent parents under one policy, sharing a single sum insured. The sum insured under a family's health insurance plan can be utilised to cover the medical expenses of the family's individual members.

Instead of multiple individual premiums, you pay one combined premium, making it cost‑efficient and easier to manage. The plan offers cashless access across network hospitals and benefits such as wellness services, helping your entire family stay covered under one umbrella. It is more affordable than purchasing a separate health insurance plan for each individual.

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Critical Illness Insurance

The Critical Illness Insurance offered by TATA  pays you a lump sum when a policyholder is diagnosed with specified life‑threatening illnesses like cancer, organ failure, heart ailments, stroke, or paralysis.

With a critical illness plan, you can cover the medical and hospitalisation expenses incurred towards treating a critical illness. The policy supplements your standard health coverage by focusing on serious diseases and allowing you to focus on recovery rather than finances.

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Senior Citizen Health Insurance

The Senior Citizen Health Insurance is exclusively designed to cover the medical expenses of senior citizens (individuals aged 60 and above). It covers hospitalisation, daycare procedures, domiciliary treatment and age‑related ailments. It also includes benefits such as health checkups and wellness services.

The TATA AIG senior citizen health insurance policy offers tailored coverage for specific health concerns of the older adults in your family. The plan offers lifelong renewability and is designed to address the medical risks seniors face.

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Super Top-up Plans

TATA AIG Super Top‑Up Plans activate once your primary health insurance sum insured is exhausted. They provide extra coverage over a defined deductible and offer higher protection at a moderate incremental premium.

These plans are particularly useful for those facing expected high medical costs or wanting enhanced backup cover without replacing the base policy. With the TATA AIG Super Top-Up Health Insurance Plan, you can cover hospitalisation and other medical expenses as per the limit and reduce out-of-pocket expenses.

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Group Health Insurance

TATA AIG Group Health Insurance covers a group of individuals, such as employees of a company or members of an association, under a single master policy. It offers hospitalisation, daycare treatment and dependent cover at an affordable cost, helping organisations offer health benefits to many people.

Group Health Insurance makes it easier for employers to manage employee health benefits. It also provides wider coverage, often without the need for individual medical tests. It helps organisations support employee health and retention.

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Inclusions

• Inpatient Hospitalisation - TATA AIG health insurance plan covers inpatient hospitalisation expenses for illness, accident or injury when the insured person is admitted as an inpatient in a hospital.
• Pre-Hospitalisation Expenses - Includes pre‑hospitalisation expenses incurred up to 60 days before the date of admission when a claim is admitted under inpatient treatment.
• Post-Hospitalisation Expenses - Provides post‑hospitalisation expenses incurred up to 90 days after discharge from the hospital for the same condition when the original claim is admitted.
• AYUSH Cover - You can also claim expenses for treatments under Ayurveda, Yoga, Unani, Siddha, and Homoeopathy, in addition to modern medical care.
• Ambulance Expenses - Emergency ambulance charges for hospital transfers are covered when the claim is otherwise admissible under the policy.
• Daycare Procedures - Medical procedures requiring less than 24 hours of hospitalisation are included, provided they are listed under covered daycare treatments.
• Organ Donor Cover - The policy pays for the donor’s surgery when the insured is the recipient.
• Domiciliary Hospitalisation - Covers home treatment when hospitalisation is not possible, under defined conditions.
• Pre-Existing Illnesses - Pre-existing health conditions are covered after you complete the applicable waiting period mentioned in your policy terms.
• Optional Covers - You can enhance your policy with add-on benefits, such as maternity and newborn coverage, as well as other optional protections, for broader coverage.

Exclusions

• Pre-existing Diseases - Pre-existing illnesses are covered under a health insurance plan. However, the coverage gets applicable after the completion of the specific waiting period.
• Initial Waiting Period - Treatments for illnesses within 30 days of policy commencement are excluded, except for accidental injuries.
• Plastic surgery or cosmetic surgery - Cosmetic or plastic surgeries are excluded unless they form a necessary part of a part of the medical treatment, such as reconstruction after an accident or illness.
• Undisclosed health conditions - Hiding pre-existing diseases or past illnesses can lead to claim denial when you need coverage the most.
• Other exclusions - Rehabilitation therapies, long-term nursing care, sanatorium stays, and vaccinations (except those specifically included in the policy) are usually not covered.
• Non-Medical Exclusions - Claims arising from war, suicide, criminal acts, adventure sports, or treatment in excluded hospitals are not payable.

Please note: This is a general list of inclusions and exclusions. Please refer to the policy document for the complete list and its terms and conditions.

Assess the Coverage Benefits

Start by checking what the plan includes: hospitalisation, daycare procedures and pre- and post-hospitalisation expenses. Ensure the medical health insurance plans you shortlist cover common health issues and emergencies relevant to your lifestyle.

Compare Premiums and Coverage

You must compare health insurance premiums and coverage options to get the best health insurance policy in Tamil Nadu. Your plan should offer a good balance between premium, sum insured and benefits. TATA AIG provides customisable plans for individuals, families and seniors.

Calculate Premium

Use the TATA AIG health insurance premium calculator to check your estimated cost. Just enter your age, health conditions and location to find affordable coverage tailored for Tamil Nadu.

Check Network and Non-Network Hospitals

Look for a wide hospital network across the state for ease in claims and reduced documentation at the time of claim. TATA AIG offers cashless treatment not just in network hospitals, but even in select non-network hospitals, ensuring smoother access during emergencies.

Review Waiting Periods and Exclusions

Always check waiting periods for pre-existing diseases and any exclusions. Knowing what your health insurance in Tamil Nadu does not cover can help avoid claim rejections later.

Buy Health Insurance Online for Convenience

It is easy to buy health insurance online through trusted platforms like TATA AIG. Our portal offers instant policy issuance, easy comparison and seamless digital claim processing.

Cashless Treatment, Anywhere in India

TATA AIG offers seamless cashless treatment at a wide network of hospitals across India. You can still avail of cashless claims even in non-network hospitals with simple documentation. We settle your bills directly, so you can focus on recovery, not paperwork.

High Claim Settlement Ratio with 24/7 Support

We ensure a smooth, hassle-free claim process backed by a strong claim settlement ratio. Our dedicated customer service team is available 24/7 to assist you at every step.

Attractive Discounts on Premiums

Enjoy competitive pricing with additional savings. Get higher discounts on family health insurance plans as you add more members. With TATA AIG medical health insurance plans, you can also avail of increasing discounts for longer policy tenures.

Customisable Add-on Covers for Extra Protection

Enhance your coverage with useful add-ons such as maternity cover, newborn cover, and more. These optional benefits help you tailor your policy to suit your family's unique healthcare needs.

Easy Access and Comparison

Buying health insurance in Tamil Nadu online from TATA AIG is simple, quick and convenient. You can explore a wide range of plans, compare their benefits, features and premiums and select the one that best fits your needs.

Quick and Hassle-Free Process

Skip lengthy paperwork and multiple visits. Visit the official TATA AIG website, select your preferred plan, enter basic details, and pay the premium. Your policy gets activated almost instantly, ensuring immediate protection.

Cost-Effective and Transparent

When you buy health insurance online, you save on brokerage and administrative costs. TATA AIG also offers special online discounts, making your health insurance plans more affordable without compromising on coverage.

• Visit our official TATA AIG website and click on the Health tab on the home page.
• Choose the number of individuals you want to add to the policy and click on “Get Price.”
• Provide basic details, such as date of birth, mobile number, email address, and pin code.
• Review plan benefits and add optional covers and complete the payment to get instant policy issuance.

Documents Needed to Buy Medical Insurance Plan

• Duly filled and signed proposal form
• Proof of Identity, age and address.
• Passport-size photographs
• Proof of income
• A cancelled cheque

• Visit the official TATA AIG website.
• Select "Health" and click on “Renew your TATA AIG policy.”
• Provide your policy number and click on "Renew".
• Provide the necessary details, and modify the health policy if required
• Make the payment and receive the renewed policy confirmation instantly.

Process for Cashless Claim Settlement

• Notify TATA AIG 48 hours before planned treatment or within 24 hours in case of emergencies.
• Visit the claims page or contact us to begin the process.
• Provide policy details, identity proof, and address proof to the hospital.
• Fill and submit the form for claim approval from TATA AIG.
• Provide final bills and reports. Approved expenses will be settled directly with the hospital.

Process for Reimbursement Claim Settlement

• Initiate the claim online or contact us by phone or WhatsApp
• Share treatment details and hospital information.
• Pay all medical expenses at discharge.
• Submit the reimbursement form with bills and prescriptions.
• After verification, the amount will be reimbursed.

Documents Required for a Health Insurance Claim

• Duly filled and signed claim form
• Copy of the health insurance policy document
• Medical reports related to diagnosis and treatment
• Medical certificate signed by the attending doctor
• Discharge summary from the hospital
• Original hospital bills and payment receipts
• A cancelled cheque for payment processing

TATA AIG offers cashless treatment at leading hospitals across Tamil Nadu, backed by a wide network of hospitals in India.

With our Cashless Everywhere feature, you can get treated without upfront payment—just present your health card, and we handle the bills.

To access this service via SMS, type “GoCashless Policy Number City” and send it to 7669300780. Our representative will call you back to assist further.