Health Insurance in Telangana

Covers the Rising Cost of Hospitalisation

Healthcare costs in Telangana are among the highest in India. The average out-of-pocket expenditure in private hospitals for inpatient hospitalisation is ₹25,881 in rural areas and ₹29,505 in urban areas as per the Telangana Health Dossier. As average hospitalisation costs continue to rise, health insurance in Telangana has become a necessity.

Helps Manage Chronic Diseases

In Telangana, non-communicable diseases (NCDs) are the single largest contributor to premature deaths and chronic disability. According to the Telangana Socio-Economic Outlook 2023, NCDs account for 61.6% of the total disease burden in Telangana. Medical insurance covers the long-term cost of treating NCDs such as ischemic heart disease, type 2 diabetes, and respiratory disorders.

Secures Your Savings

Health insurance covers rising medical costs and major treatments at reputable hospitals. Without insurance, the entire cost of hospitalisation would fall upon you, which can deplete your long-term savings. Having an effective health insurance plan is especially important when you have to cover multiple family members.

Covers Critical Illnesses

Critical illnesses, including cancer, cardiovascular diseases and renal failure, are life-threatening and carry massive treatment expenses. Health insurance plans like critical illness insurance plans and add-ons provide lump sum payouts to pay for expensive medical tests, hospital bills and specialist fees involved with treating these diseases.

Hospitalisation Benefits

Health insurance plans in Telangana help cover all types of medical expenses incurred during hospitalisation. This includes medical procedures, doctors’ fees, nursing fees, hospital room rent and ICU charges. TATA AIG’s health insurance plans also cover various expenses, including diagnostics and medicines, before admission and after discharge.

Cashless Hospitalisation

Telangana health insurance plans allow you to get quick admission and treatment without having to pay upfront cash to the hospital. With TATA AIG’s cashless treatment facility, you can get admitted to both network and non-network hospitals to get 100% cashless treatment across the country with zero hassles.

Maternity and Newborn Expenses

For expecting mothers, maternity and delivery complications are major financial concerns, especially in Telangana’s top-rated hospitals. Whether you add maternity cover as a rider or through a comprehensive plan, it covers pregnancy-related expenses, including normal and C-section deliveries and post-natal care. Our health insurance for women specialises in covering the unique medical expenses of women.

High-Value Cumulative Bonus

With the best health insurance in India, you can enjoy a cumulative bonus ranging from 10% to 50% on the sum insured every year. This means that your health insurance coverage increases every year upon claim-free renewal till it reaches 100% of the original amount. Some plans also offer discounts on premiums as a claim-free renewal bonus.

Tax Savings

Tax deductions on health insurance premiums under Section 80D offer additional benefits to anyone with a taxable income. With it, you can get ₹25,000 in deductions on premiums paid for yourself, spouse and dependent children. Extra deductions are available for parents, senior citizens and preventive health care under the total limit of ₹1 lakh.

Individual Health Insurance

Individual health plans provide personalised medical coverage for a single person. TATA AIG offers individual plans suitable for younger people, professionals and sole earners with a coverage limit of ₹3 crores* with several add-ons available for customisation. Our individual plans provide global coverage, consumables benefit, multiple tenure options and other benefits.

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Critical Illness Health Insurance

It provides a predetermined lump sum payout to cover all expenses related to treating critical illnesses with no restrictions. TATA AIG offers two types of critical illness plans, including the Smart Century Premier, covering 100 diseases and the Smart Half Century, covering 50 critical illnesses. The benefits include daily hospital cash, global coverage, preventive health checkups, etc.

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Senior Citizen Health Insurance

These are designed for elderly people above 61 years of age. Our senior citizen medical insurance plan offers comprehensive coverage with no upper age limit and special age-related benefits. This includes critical illness cover, home physiotherapy sessions, preventive health checkups, wellness services and modifications for elderly care and disability.

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Super Top Up Health Insurance

A super top-up plan increases your existing health insurance cover in Telangana and activates when your base plan is exhausted. TATA AIG’s super top-up plan provides affordable coverage enhancement with no upper age limit or sub-limit. Its additional benefits include consumables coverage, a cumulative bonus, optional global cover, and no pre-policy screening requirements.

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Family Health Insurance

Family health insurance or family floater plans cover multiple family members under a single plan and a shared sum insured. TATA AIG’s family plan covers up to 7 members under a limit of ₹3 crores* with a family floater discount of up to 32% and additional offers. It comes with lifetime renewability, automatic restoration, global cover, wellness services and other benefits.

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Arogya Sanjeevani Plan

The Arogya Sanjeevani is a basic, affordable and mandatory health insurance plan regulated by the IRDAI with standard costs across all insurers. TATA AIG’s Arogya Sanjeevani covers hospitalisation and other basic expenses up to a limit of ₹10 lakhs*. Its benefits include daycare cover, AYUSH cover, lifelong renewability and the option to add family members.

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Disclaimer: The above features and benefits are subject to our terms and conditions. Please check the policy documents for more details.

Inclusions of Health Insurance in Telangana

• Hospitalisation Expenses: This includes medical expenses, such as room rent, doctor fees, OT charges, blood, oxygen, etc., incurred while admitted to a hospital.
• Daycare Treatment: Includes 540+ listed daycare procedures that require less than 24 hours of hospital admission to administer.
• AYUSH Benefit: It covers hospitalisation and daycare expenses for alternative treatment methods, such as Ayurveda, Yoga, Siddha, Unani, and Homoeopathy.
• Global Cover: For some plans, we reimburse hospitalisation and daycare expenses for treatments taken abroad but diagnosed in India.
• Pre- and Post-Hospitalisation Expenses: Covers medicines, consultations and diagnostics for a specific number of days before admission and after discharge.
• Domiciliary Hospitalisation: This covers medically necessary treatment received at home for more than three days with a qualified doctor’s certificate.
• Ambulance Expenses: Pays for transporting the insured person to a hospital during emergencies and transferring to another hospital for better facilities.
• Pre-existing Diseases: We also cover pre-existing medical conditions after a certain waiting period.
• Preventive Health Checkup: Depending on the plan, we cover regular preventive health checkups within our network, subject to certain limits.
• Outpatient Treatment: Covers certain OPD expenses or dental treatment based on your chosen plan/add-on.

Exclusions of Health Insurance in Telangana

• Gender-Change Treatments: Any medical treatment or surgery to change one’s biological sex is not covered.
• Substance Abuse: Excludes any treatment for drugs, alcohol or substance abuse and addiction.
• Cosmetic Surgery: Does not cover cosmetic or plastic surgery unless they are medically necessary or for reconstruction after an accident/injury.
• Supplements & Vitamins: Excludes dietary supplements, vitamins, minerals and organic substances bought without a prescription.
• Hazardous Sports: Does not cover injuries due to participating in adventure or hazardous sports, such as horse racing, rafting, rock climbing, sky diving, etc.

Disclaimer: The above inclusions/exclusions are subject to limitations, terms and conditions. Check your Policy Wording document for more details.

• Assess Your Healthcare Needs: First, you should figure out your medical insurance needs based on factors like location, family size, medical history, pre-existing conditions, etc.
• Choose the Correct Plan: As per your needs, choose the right sum insured, add-ons and health insurance type you require. For example, choose a family floater plan with high-value coverage if you need to insure several persons.
• Compare Your Options: Due to the overwhelming number of choices available, you should take some time to compare health insurance plans. Pick the most affordable plan that provides the necessary coverage.
• Check for Sub-Limits: To choose the best health insurance in India, find plans without any sub-limits for room rent and co-payment clauses. These limits require you to pay a certain percentage of the claims on your own.
• Evaluate the Insurer: A reliable and trustworthy insurance provider will have a high Claim Settlement Ratio (CSR) by fulfilling a large percentage of claims. Also, check the turnaround time (TAT) for settling claims.

Automatic Restoration

The automatic restoration benefit automatically refills or replenishes the basic sum insured of your chosen plan, along with the accumulated cumulative bonus, subject to policy terms. As a result, you enjoy continued medical coverage for the rest of the year after filing a claim.

Easy Cashless Hospitalisation

With Cashless Everywhere, you can get admitted to any hospital, medical college or specialised healthcare centre and get 100% cashless coverage. You can also take advantage of a simplified and faster claim system by getting treatment from one of our 12,000+ network hospitals.

Substantial Discounts

It’s always raining discounts when you buy health insurance in Telangana from TATA AIG. You can get 5-10% discounts on choosing two-year and three-year health plans, while our family discounts range from 20-30% for including two, three or more family members. Some medical insurance plans also offer discounts on renewal premiums.

Trustworthy Brand

The TATA name is backed by 150 years of legacy and heritage. As a member of the TATA Group, we uphold ourselves to the highest standards of trust and quality customer service, ensuring timely claim settlements. We have 25+ years of experience managing the risk of 5+ crore customers.

Safety and Security

We value your data and privacy and ensure complete protection of your personal and financial data with encryption and a secure system. All of your transactions are confidential and safe from malicious actors, while our insurance plans provide financial protection.

• No Physical Documents: You can compare, select, and buy health insurance online from TATA AIG as well as file claims digitally. You don’t need physical documents for any of our processes.
• Instant Policy Issuance: It takes just a few clicks to buy or renew TATA AIG plans. As soon as you make the payment, we immediately issue soft copies of the policy documents directly to your email for your convenience.
• Easy Online Tools: Before your purchase, you can compare multiple plans based on their features, add-ons and premiums using our online premium calculator tools.
• Online Assistance: You can connect with our customer support at any time for queries related to purchase, limits and conditions through multiple channels. For claim assistance, we have a dedicated team of 750+ experts to provide hands-on support.

Step 1: Scroll to the top of this page and click on the button to purchase a new health insurance plan.

Step 2: Select or enter the number of family members to include in your plan. Next, click on ‘Get Plan’.

Step 3: Enter the necessary details, including your name, date of birth, address and contact details and select ‘See Plans’.

Step 4: Check the plans available for you and make your choice. Then, enter the sum insured, tenure and add-ons if you want any.

Step 5: Review our premium quotes and cost breakdown. Make the online payment to buy health insurance in Telangana from TATA AIG.

Step 1: Find the ‘Renewal’ menu at the top of this page. Choose ‘Health’ from the dropdown options available.

Step 2: Type in your existing policy number and click on the ‘Renew’ button.

Step 3: Review your existing policy details. Modify the plan by changing the sum insured or including more add-ons.

Step 4: After checking and confirming the plan details, pay the required premium to complete your health insurance renewal in Telangana.

Process for Cashless Claims-Non Emergency

To get treatment at a network hospital for non-emergency scenarios, inform TATA AIG at least 48 hours before your planned hospitalisation. Then, follow these steps:

Step 1: Send the cashless claim form to us via email or by letter.

Step 2: Wait till we verify and authorise your claim and send you a confirmation letter.

Step 3: When you arrive at the hospital, submit your health ID card and confirmation letter at the insurance desk. Rest and recuperate as we take care of your bills.

Process for Cashless Claims-Emergency

If you find yourself admitted to a network/non-network hospital in case of a medical emergency, follow these steps:

Step 1: Inform us directly or the hospital about needing emergency treatment. Give the hospital TPA your health insurance policy number.

Step 2: Send us the cashless claims form within 24 hours of getting hospitalised.

Step 3: Submit the form with a copy of your policy documents, health insurance card, ID and address proof, and cKYC form for claims above ₹1 lakh.

Process for Reimbursement Claims

You can claim reimbursement by following these steps:

Step 1: Make the payment out of your own pocket and collect all relevant receipts, invoices, prescriptions and medical reports.

Step 2: Submit the reimbursement claim form to TATA AIG along with these supporting bills and receipts, policy documents, insurance card, etc. Once we receive the form and documents, we will verify and process your claim within 15 days.

If you have a TATA AIG health insurance plan, you can claim cashless treatment at any network or non-network hospital in Telangana under the Cashless Everywhere facility. To avail of this, send “GetCashlessPolicy NumberCity” to 7669300780 and take a call from our representative. For a faster and simplified process, go to one of our network hospitals in Telangana, including: