Health Insurance in Varanasi

With the rapid development of the city, the lifestyle of people is changing in Varanasi, with so much work stress, unhealthy diet habits, lack of physical activity, and an increase in natural pollution leading to health deterioration. In such conditions, you cannot be too precautious, thus, staying insured and being prepared for any medical emergency is wise.

Although the government in Varanasi has provided healthcare services to the public, having personal health insurance in Varanasi will only enhance your protection. Moreover, having insurance lessens your financial burden in case of any medical emergency and lets you focus on healing.

Tata AIG understands that every individual needs different benefits from health insurance. That is why we provide various health insurance plans for different individuals.

Individual Health Insurance Plan: This is the best health insurance plan for people who want extensive health coverage. Individual health insurance provides benefits to the individuals who buy the policy and protects them against various medical and healthcare expenses.

Family Health Insurance Plan: This is the best mediclaim policy for a family in Varanasi. Family insurance is great if you want to protect your loved ones from unforeseeable medical emergencies. The insurance includes the policy buyer and their family members like spouses, children and parents.

Senior Citizen Health Insurance Plan: This plan is designed specifically to provide financial assistance to people over the age of 61. It covers expenses for medical treatments and processes that are commonly required at this age. It is a great option if you want to buy health insurance for parents.

Critical Illness Health Insurance Plan: Some illnesses are more severe than others, and their treatment expenses are also higher. To cover the cost of such diseases, a critical illness health insurance plan is an appropriate choice. It covers the expenses of illnesses like cancer and kidney diseases.

Super Top-Up Health Insurance Plan: It is a health insurance plan that provides you with medical insurance in addition to your regular health insurance. Thus increasing your protection barrier.

Inclusions in Health Insurance Plan

Pre-Existing Diseases: Good health insurance will not only cover your future medical expenses but also provide coverage against pre-existing illnesses.

Pre- and Post-Hospitalisation Expenses: Pre- and post-hospitalisation expenses are usually covered under good health insurance, so you can focus on getting better rather than worrying about expenses.

Ambulance Cover: Ambulance cover is crucial to cover your ambulance expenses in case you need medical evacuation.

Maternity Cover: A good medical insurance policy will cover maternity expenses so that you can enjoy these happy moments without worrying about finances.

Exclusions in Health Insurance Plan

Cosmetic Surgeries: Cosmetic surgeries, such as liposuction, plastic surgery, lip-fillers, nose enhancement, etc., are not covered under health insurance.

Voluntary Injuries: Injuries that are self-inflicted and caused with the motive of self-harm will not be covered under the health insurance plan.

Infertility Treatment: Expenses for getting infertility treatments like IVF are not covered under most health insurance policies.

Transmitted Diseases: Insurance policies do not provide coverage for treatment expenses of transmitted diseases like HIV and gonorrhoea.

These are some of the features to look out for while searching for the best health insurance company to buy insurance from:

• The Sum Insured: You must check the sum insured of the health insurance before buying it. The sum insured by your selected insurance must be in line with your present and future medical needs.

• Policy Wordings: It is always advised to read all policy-related documents carefully. Policy wordings always clarify every point without hiding anything. Still, if you have any confusion, you can always clarify them with the company.

• Claim Settlement Ratio: Always buy a health insurance plan from a reputable insurance provider with a good track record of high claim settlement ratios in recent years.

• Premium Price: Before buying insurance, get multiple quotes from all the considered companies. This will inform you of the right price for the right insurance.

-Swift Procedure: Buying health insurance in Varanasi online is much quicker than buying the same insurance by standing for hours in long queues. It saves you time and energy.

-Easy Comparison: You can easily compare the best medical insurance in Varanasi by browsing online and selecting the coverage that is perfect for your needs. Just go through the websites of insurance providers and compare their features and premium rates.

-Talk To Experts: If you have any questions or confusion regarding insurance, you can talk to insurance experts who will guide you to select the best insurance plan for you.

-No Check-up: Usually, whenever you buy a health insurance plan offline, you first need to go through the standard health check-up. But there is no need to get a health check-up for buying health insurance online.

-Paperless Process: Since you will be buying medical insurance online, there is no need to file physical documents. Everything will be done online, and you will receive soft copies of your insurance via mail.

At Tata AIG, we understand our customers' concerns about their health and the expenses related to it. Thus, we provide the best services and features with our insurance. Here is why getting insured with us is beneficial for you:**

- Cashless Hospitalisation: With the Tata AIG health insurance policy, you get the benefit of availing cashless medical services at your preferred hospital all over the country. It means no need to file or follow up with your claim settlement; we will handle everything for you.

-Premium Discounts: Tata AIG provides not only the best medical insurance benefits but also financial benefits. You can get discounts on specific insurance policies; you can get more information on them while buying the policy.

-Pre-Existing Disease Cover: With Tata AIG, you are not only insured against future medical illness, but our health insurance also provides protection against pre-existing diseases.

-Pre- and Post-Hospitalisation Cover: Our health insurance plan covers your pre- and post-hospitalisation expenses so that you can focus on getting treatment without worrying about finances.

-Tax Benefits: With Tata AIG health insurance, you can safeguard your health and receive tax benefits. The premiums paid for health insurance can be deducted under Section 80D of the Income Tax Act.

-The Tata Promise: Tata is known for committing to its customers' services and has been delivering on its promise for decades.

These are the Steps to follow to buy and renew your health insurance plan with Tata AIG:

How to Buy a New Health Insurance Plan in Varanasi?

Step 1: Visit the Tata AIG Health Insurance page.

Step 2: Next, select the number of people you want to include in the health insurance and then click on the “Get Plan” option.

Step 3: Now, provide the requested details of all the selected members, such as date of birth, contact number, email address, and PIN code. Then click on “See Plan”.

Step 4: Here, you will see all the health insurance plans suitable for your coverage needs. Select the plan best suited for you and click on “Continue.”

Step 5: You will now see the insurance premium quote for your selected plan. If you are satisfied, you can proceed with payment.

Step 6: Once the payment has been made successfully, you will receive acknowledgement mail and soft copies of your Tata AIG health insurance policy at your registered email address.

**How to Renew a Health Insurance Plan in Varanasi?

Step 1: Go to the Tata AIG Health Insurance Page.

Step 2: On the website, find the “Renew” tab and click on it to proceed with renewing your policy. You will be redirected to the page where you need to fill in your details and click on “Renew”.

Step 3: Next, your current medical insurance plan details will be displayed. Verify those details, make necessary changes (if required) and then click “Continue.”

Step 4: Your renewed health insurance premium price will now be displayed. If you are satisfied, proceed with payment.

Step 5: Finally, after the payment has been successfully made, you will receive an acknowledgement mail along with soft copies of your renewed Tata AIG health insurance documents.

Here are the Steps to file your claim for cashless or reimbursement with Tata AIG in Varanasi:

How to File a Reimbursement Claim?

Step 1: Go to the Tata AIG Claim Process page and fill out the claim form online. You can also connect with our Insurance Executive.

Step 2: Get medical treatment at your preferred hospital. Once you recover and get discharged, ask for the original invoices and medical bills.

Step 3: Now, you need to submit all those original bills and invoices along with your filled claim form to Tata AIG Insurance Executive.

Step 4: Once you submit all the documents, they will be verified, and after the verification is completed, your claim amount will be disbursed.

How to File a Cashless Claim?

Step 1: You can submit a cashless claim at our Claim Process page or contact our Insurance Executive.

Step 2: Next, complete the claim settlement form with details, submit it, and wait for approval.

Step 3: After your claim gets approved, submit your claim settlement form and health card to the network hospital.

Step 4: Finally, proceed with getting treated and focus on getting recovered.

Cashless treatment is a feature of medical insurance that allows policyholders to get cashless medical services without paying anything from their pocket. Earlier, policyholders could avail of this service only at network hospitals.

However, IRDAI has issued new guidelines stating that policyholders are now eligible to get cashless medical services at any hospital of their preference across India.

Therefore, with Tata AIG health insurance, you can now avail of cashless treatment at any authorised hospital in Varanasi and other parts of the country.