Health Insurance in Thane

Deals with Lifestyle Diseases

Maharashtra has witnessed an unprecedented rise in non-communicable diseases caused by lifestyle-related factors. A study about lifestyle diseases in the state saw significant prevalence of hypertension (13.7%-16%), diabetes (10.7%-15.3%), increased hip ratio (38.65%-51.5%), and high blood pressure (14%-37.9%). Health insurance coverage is necessary for long-term treatment of these illnesses.

Provides Access to Quality Healthcare

When you or your loved ones fall ill, you will want the highest quality of care from the most reputable medical institutions. However, the cost of advanced treatment and quality services can be restrictive when accessing private healthcare in Thane. To afford it, you will need access to cost-effective health insurance policies in Thane.

Meets Rising Out-of-Pocket Costs

Rising medical inflation and a lack of sufficient coverage lead to high out-of-pocket expenditure (OOPE) for households across Maharashtra. According to the [State Health Account Estimates](https://nhsrcindia.org/sites/default/files/2024-08/Maharashtra Report %28Final%29.pdf), households bear around 44% of OOPE with a per capita cost of ₹2,779/year. Since such costs can deplete people’s savings, medical insurance is the right solution.

Protects Your Loved Ones

Family protection is one of the biggest reasons to get health insurance coverage. With rising medical costs and advancements in technology, bearing healthcare costs for multiple family members is a difficult task. TATA AIG’s health insurance plan for families comes with special features and discounts for cost-effective coverage of multiple family members.

Ensures Extensive Coverage

Health insurance plans cover a variety of services and treatments, including medications, medical tests, surgeries, fees for doctors, nurses and specialists, and consumables like blood, oxygen, syringes, etc. TATA AIG’s comprehensive health insurance in Thane goes further, covering preventive checkups, wellness services, vaccinations, hearing aids, and more.

Offers Multiple Options

There are many different health insurance options to choose from. At TATA AIG, we offer a wide selection of choices, including individual, family-floater, critical illness and senior citizen health insurance and multiple plans for each category. We also offer additional coverage options called add-ons or riders to customise and enhance your plan.

Preventive Health Checkups

These are standard medical tests that proactively detect health problems of insured persons before they become serious. Most TATA AIG health insurance plans offer yearly preventive health checkups at approved providers that help you screen for a variety of medical conditions, depending on your chosen plan.

Cumulative Bonus for Renewals

Everyone loves a bonus, and at TATA AIG, we increase your medical coverage with every claim-free year using the cumulative bonus. The bonus enhances the sum insured by 5-50% per year up to 100% without any subsequent increases to the premium amount. The sum insured benefit depends on the plan you have selected.

Special Coverage Features

Our health insurance plans in Thane come with unique covers, such as consumables cover, which pays for medical consumables, and global cover for medical expenses outside India. Other important coverage features include the OPD cover for outpatient consultations and medication, and maternity cover for pregnancy-related expenses. The availability of these covers varies from plan to plan.

Tax Benefits

The premiums paid for health insurance are eligible for deductions under the old income tax regime. As per Section 80D, you can avail of deductions up to ₹25,000 for insuring yourself, your spouse and your children. Another ₹25,000 is available for parents, while covering senior citizens gets deductions up to ₹50,000, bringing the total u/s 80D to ₹1 lakh.

Family Health Insurance Policy

It allows you to cover your spouse, children, parents and parents-in-law under the same plan. TATA AIG’s family floater plan is more affordable than individual plans for each family member, with family-based discounts of up to 32%. You can cover up to 7 family members and enjoy benefits, such as no pre-policy checkups, global cover, automatic restoration, etc.

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Senior Citizen Health Insurance Policy

Unlike regular plans, which often have age-based restrictions, senior citizens' health insurance covers people aged 61+ years with special age-based coverage. Our senior citizen plan offers a sum insured of up to ₹25 lakhs* with preventive health checkups and lifelong renewability. Other elder care benefits include home nursing services, compassionate care, and home assessment and modification.

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Individual Health Insurance Policy

Individual health insurance in Thane provides personalised coverage covering the unique needs of a single person. TATA AIG individual plans provide a sum insured of up to ₹3 crores* with the option to cover family members individually. You can also enhance the coverage with various add-ons. It’s a perfect choice for younger individuals, professionals and sole earners.

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Arogya Sanjeevani Policy

This is an IRDAI-mandated basic medical insurance offered by all insurers with standard rates and plan coverage. At TATA AIG, we offer Arogya Sanjeevani with a sum insured of up to ₹10 lakhs* with the most affordable premium, lifelong renewability and cumulative bonus. It covers basic medical expenses, including hospitalisation, pre- and post-hospitalisation, and AYUSH treatment.

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Critical Illness Insurance Policy

Our critical illness insurance plan covers up to 100* critical illnesses, including cancer, heart failure, head trauma, paralysis, and kidney failure. Upon diagnosis of one of these conditions, you will get a lump sum payment with no restrictions. In addition, we provide preventive health checkups, daily hospital cash, premium waiver, global cover, and extra payouts for cancer diagnosis.

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Super Top-Up Health Insurance Policy

Our super top-up plan enhances the coverage of your existing plan at a lower price compared to a new health insurance policy. It comes with no age limit and lifelong renewals, and it activates when your base plan coverage limit is spent by filing claims. It offers attractive coverage features, including daycare treatment, second medical opinion, consumables cover, and optional global cover.

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Disclaimer: The above features and benefits are subject to terms and conditions. Please check the policy documents carefully before purchase.

Health Insurance Thane Inclusions

• Inpatient Hospitalisation: Our plans cover a wide variety of medical expenses incurred while you are hospitalised for 24 or more hours.
• Pre- and Post-Hospitalisation: Under this, we pay for consultations, diagnostics, and medications for a certain number of days as specified in the policy terms.
• Domiciliary Hospitalisation: Covers at-home treatment for more than three days with certification from a qualified physician.
• Ambulance Cover: Pays for road ambulance services for hospitalisation during emergencies or transfer to a new hospital/diagnostic facility.
• Daycare Treatment: Covers 540+ listed daycare procedures that require hospitalisation of less than 24 hours for treatment.
• Organ Donor Treatment: This covers the cost of harvesting organs for medically necessary organ transplant surgery.
• Preventive Health Checkups: Covers certain preventive medical tests up to a specified limit as per policy terms.
• Global Cover: Pays for medical expenses at international facilities for diseases diagnosed in India.
• AYUSH Cover: This includes hospitalisation and daycare expenses for treatment using Ayurveda, Homoeopathy, Siddha, Naturopathy and other alternative modes.

Health Insurance Thane Exclusions

• Weight Control: Surgical treatment for obesity and weight-control treatment is not covered unless certain conditions apply.
• Self-Inflicted Injuries: Self-inflicted injuries and suicide attempts are not covered.
• Gender Change: Medical treatment and surgery for changing one’s biological sex are not covered.
• Substance Abuse: Treatment for abuse or addiction of alcohol, drugs and other intoxicants is excluded.
• Extraordinary Situations: Illnesses or injuries due to war, rebellion, invasion, civil war, chemical, biological and nuclear attacks are excluded.

Disclaimer: The above lists are not exhaustive and subject to terms and conditions. Please read the applicable Policy Wording document carefully.

• Pick a Type Based on Your Needs: Assess your needs to select the right plan. Family floater plans are more affordable for multiple members, whereas individual plans offer better coverage. If you already have an existing policy, a super-top-up plan can enhance it.
• Find the Right Coverage: Once you have evaluated your healthcare needs, find a plan that offers the right coverage options, such as global medical treatment, consumables coverage and preventive checkups. If the base plan doesn’t cover everything, check if the necessary add-ons are provided.
• Get an Affordable Plan: Given the number of options available in the market, you can find the most affordable health insurance in Thane that covers all of your needs. You can get accurate price estimates for your chosen plan using a health insurance premium calculator.
• Know the Policy Exclusions: Every insurance policy comes with certain terms and conditions that state what the plan covers and excludes. Besides standard exclusions, your health insurance plan will have some specific exclusions and limits you should be aware of.
• Check the Insurer’s Reputation and Reliability: The usefulness of your chosen plan depends on the insurer’s reliability and trustworthiness. Hence, you should evaluate the insurance provider by checking online reviews and ratings, customer testimonials and brand perception.

Extensive Hospital Network

At TATA AIG, we have a vast network of 12,000+ cashless network garages across India, including 300+ valued providers in Thane and adjoining cities. At these network hospitals, you can access swift and seamless treatments with quick verification and low/no out-of-pocket expenses.

Easy Cashless Claims

At TATA AIG, we offer an easy and hassle-free claims settlement process without any physical documentation and complex processes. You can file claims via multiple modes, including SMS and call, our claims portal and mobile app. If you are stuck at any point, we have a dedicated team of 750+ claim experts to help you.

Trusted & Reliable Partner

The best health insurance in Thane can only come from a credible, reliable and trustworthy insurer. At TATA AIG, our policies are backed by the 150-year legacy and heritage of the TATA name and our 25+ years of experience in the Indian insurance industry. We also maintain a high Claim Settlement Ratio to showcase our commitment.

Safety Is Our Priority

At TATA AIG, your information and online security is our utmost priority. We leave no stones unturned in keeping malicious actors out of our digital ecosystem by providing a secure payments system backed by encryption, strong privacy policies and safe practices. We also ensure complete transparency regarding our insurance terms and costs.

Automatic Restoration of Benefits

One of the main reasons why people love our health plans is the automatic restoration feature. It completely restores your sum insured and accumulated bonus in case you exhaust your TATA AIG health insurance limits by filing claims. By opting for our health insurance plan, you enjoy continued financial protection.

• Easy to Compare Plans: At TATA AIG, you can easily compare health insurance plans using our convenient online tool. Before purchase, you can view the features, add-ons, policy wordings and detailed cost breakdown to make an informed choice.
• Convenient and Paperless Process: Buying or renewing online health insurance in Thane with TATA AIG is easy, instant and completely paperless. You only need soft copies to make purchases or file claims, and can access all policy documents on the go via our website/app.
• Instant Policies: In today’s digital and modern world, we ensure to keep wait times as low as possible for all our processes. We provide instant policy issuance and document delivery for purchases and renewals. We also have strict deadlines for fulfilling your claims.
• Round-the-Clock Support: Access our customer support 24x7 without any hesitation, as our dedicated team is always available and willing to help you. Access our customer services through multiple channels, including helpline (022-6489-8282), WhatsApp (+91-91361-60375) and email (customersupport@tataaig.com).

Step 1: Scroll to the top of this page till you find the button labelled ‘Want to buy insurance’.

Step 2: Select the number of family members and choose each member before clicking on ‘Get Plan’.

Step 3: Enter the required personal and contact details and click on ‘See Plans’. Review your available options and relevant policy documents before making your choice.

Step 4: Enter the policy coverage details, including sum insured, tenure and add-ons you want to include.

Step 5: Check the final price and premium breakdown. If you have finalised your decision, make the payment to buy the best health insurance in Thane.

Step 1: Scroll up and navigate to the ‘Renewal’ menu and click on ‘Health’.

Step 2: On the next page, enter your current health insurance policy number. Then, click on ‘Renew’.

Step 3: Review your existing policy details and premium cost. Modify the coverage and include add-ons if needed.

Step 4: Confirm your choice and pay the updated premium to renew your health insurance in Thane online with TATA AIG.

Cashless Claims- Non Emergency Scenario

Step 1: Contact TATA AIG via your preferred method and inform us about your planned treatment at least 48 hours in advance.

Step 2: Select a hospital and inform them about your planned hospitalisation. Once we receive your request, we will provide an authorisation/confirmation letter.

Step 3: Submit the authorisation letter and insurance card at the insurance desk of the hospital upon your arrival. Get admitted, and we will settle your bills after treatment.

Cashless Claims- Emergency Scenario

Step 1: If you find yourself admitted to a hospital for an emergency, you need to inform the hospital TPA (third-party administrator) about your policy.

Step 2: Within 24 hours of your hospital admission, send us a cashless claim form with your policy documents, health insurance card, identification documents, etc.

Step 3: Once we get your request, we will complete the verification and send the authorisation letter to directly settle bills later.

Reimbursement Claims

Step 1: Pay for the bills at a non-network hospital and collect all necessary documents, including invoices, prescriptions, discharge card, and diagnostic reports.

Step 2: Fill out and submit the reimbursement claim form along with supporting documents, such as medical bills, payment receipts, policy documents, ID proof, etc. You can do so via our claims portal, mobile app or a branch office.

Step 3: Once we receive the claim form and documents, we will complete the verification process and send the reimbursement to your account.

You can claim cashless treatment at any network or non-network hospital in India with a TATA AIG health insurance plan. For faster claim processing, find our cashless network hospitals by entering the city name and clicking on ‘Search’. We address initial claim requests within one hour and provide final authorisation within three hours of discharge. Explore our cashless hospitals in Thane below: