Secure Health Insurance at ₹17 Per Day!*
Protect Your Health From Unexpected Medical Expenses and Emergencies
Health Insurance
Health insurance, also referred to as medical insurance, is a financial tool that helps you pay for your planned & emergency medical expenses. You receive financial coverage for medical expenses like hospitalisation costs, day care treatments, outpatient (OPD) treatment, pre and post-hospitalisation, ambulance charges, etc. It also covers medical treatment costs for critical illnesses, injuries, pregnancy, surgeries, medication and preventative care.
Medical insurance is a necessity today, given the rising cost of healthcare in India. It offers financial security in times of uncertainty and allows access to the best medical care.
What is Health Insurance?
A health insurance policy is a legal document that acts as a financial cover for medical expenses/bills incurred in case of hospitalisation or other medically necessary treatment. The best health insurance plans offer comprehensive coverage, which includes emergency medical expenses, day care treatments, surgeries, injuries, pre and post-hospitalisation, outpatient (OPD) treatment, ambulance charges, etc., reducing the need to pay the huge medical costs out of pocket.
Medical insurance plans are useful since they reduce the financial burden you face for unexpected medical situations like emergency hospitalisations or accidental injuries, with the cashless treatment facility at hospitals. Health insurance plans in India will also cover AYUSH treatments and pandemics like COVID-19.
To incentivise more people to buy health insurance, the Indian government offers tax savings under Section 80D of the Income Tax, 1961. You can claim a deduction of ₹25,000, ₹50,000, ₹75,000 or ₹1 lakh against your yearly health insurance premium amount paid to your insurer under the old tax regime.
Health Insurance at a Glance
| Features | Details |
|---|---|
Sum Insured | Options from ₹5 lakhs to ₹3 Crores |
Network of Hospitals | 12,000 |
Hospitalisation Expenses | Covered |
ICU Charges | Covered |
Pre-and Post-Hospitalisation Expenses | Covered |
Coverage for Pre-Existing Diseases | Available upon completion of the waiting period |
Coverage for Daycare Procedures | Available |
AYUSH Treatment | Covered |
Ambulance Expenses | Covered |
Global Cover for Planned Hospitalisation | Available |
Lifelong Renewability | Available |
OPD Cover | Available |
Maternity Cover | Available |
Preventive Health Checkups | Covered |
Automatic Restoration | Available |
Cumulative Bonus | Available |
Online Claim Processes | Available |
Tax Benefits | Available |
24/7 Customer Support | Available |
Get 100% Cashless Treatment at Any Hospital of Your Choice
Tata AIG offers 100% cashless treatment at any hospital of your choice anywhere within India.
With the GIC's 2024 ‘Cashless Everywhere’ announcement, the cashless facility is no longer restricted to our network hospitals. You can get admitted to any nearby hospital and claim cashless treatment under your TATA AIG health insurance plan, where we settle 100% of your admissible claim amount directly with the hospital.
Moreover, this process is streamlined so that your cashless claims are addressed within an hour of receiving your initial request. You will also receive the final authorisation within 3 hours of us receiving your discharge request from the hospital.
Here is how our health insurance cashless everywhere facility works:
- For planned hospitalisations, you must inform us at least 48 hours before treatment.
- For emergencies, we should be informed within 24 hours of hospitalisation.
- The cashless claim request should align with our policy terms and conditions.
To avail of TATA AIG Cashless Everywhere via SMS:
- Send “GetCashless
Policy Number City” to 7669300780 - Our Claims Expert will call you back
- We will evaluate the hospital acceptance and request
- We will process your cashless health claim request
Why Do You Need a Health Insurance Policy?
Chronic Disease Management
Non-communicable diseases like cancer, heart disease, diabetes, asthma, etc., account for nearly 71% of all fatalities. Your health insurance policy can help pay for long-term treatment since these costs can quickly add up.
Rising Medical Costs
Healthcare costs have increased drastically over the years, making it harder for people to access healthcare. A health insurance plan can help pay for your medical costs, including diagnostic costs before hospitalisation, prescription medication and follow-up consultations.
Financial Security
A health insurance plan can help shield your savings by paying for your treatment costs. This way, your hard-earned savings stay safe, and you get the medical care you need without having to worry about its financial implications.
Comprehensive Health Coverage
TATA AIG’s health insurance plans cover the medical costs for a wide range of illnesses from illnesses like COVID-19, cancer and kidney failure to preventative care costs like annual health check-ups, vaccinations and wellness programs. This ensures comprehensive protection for your health and well-being.
For Peace of Mind
Not having to second-guess the need for medical care can be a huge relief, especially during emergencies. A health insurance policy acts as a safety net, so you don’t have to worry about going into debt over an unexpected medical emergency. This lets you focus on recovery while your policy takes care of the medical costs.
Types of TATA AIG Health Insurance Plans
Individual Health Insurance
Perfect for younger individuals or sole earners with a sum insured of up to ₹3 Crores* with lifelong renewability. Individual health insurance plans cover pre and post-hospitalisation, day-care procedures, high-end diagnostics, and they offer global coverage for planned hospitalisation overseas*. You can also cover your spouse and children with separate sums insured under the same policy.
Family Health Insurance
A family health insurance plan allows you to cover up to 7 family members* under a single health insurance plan with coverage up to ₹3 Crores*. These can be more affordable and easier to manage than buying a separate plan for each family member. You also get a Family Floater Discount (Upto to 32%), along with an additional discounts for long-term plan options*.
Super Top-Up Health Insurance
A super top-up health insurance plan can be used to add more coverage to your existing health insurance policy. This cover activates when your base plan coverage is depleted during a claim and covers the remaining medical cost. It’s a lot cheaper than buying a new medical insurance policy when you need a higher coverage amount.
Critical Illness Health Insurance
A critical illness health insurance plan offers coverage for more severe illnesses like cancer, heart disease, stroke, kidney failure, paralysis, etc. It covers up to 100 critical illnesses* and offers additional benefits like lifelong renewal and discounts for long term policies. You can also extend the coverage to your family members under this plan.
Senior Citizen Health Insurance
A senior citizen health insurance plan offers specialised coverage for age-related health conditions that affect those over 61 years. Under this plan, you get coverage up to 25 lakhs*, Preventive health check-ups, home physiotherapy, home assessment and modifications for elderly care/disability and wellness services, along with lifelong renewability.
Personal Accident Insurance Policy
In the unfortunate event of an accident resulting in permanent disability or loss of life, the TATA AIG Personal Accident Insurance Policy, TATA AIG Medicare can provide invaluable support to you and your family. This plan ensures financial assistance to you or your beneficiary (in the event of death), offering stability and relief during such challenging times.
Arogya Sanjeevani Policy
The Arogya Sanjeevani Policy is a basic health insurance policy that offers coverage for hospitalisation and other medical expenses at an affordable premium. You get up to ₹10 lakhs* medical coverage with lifelong renewal and the option to include your family members.
*Stated rates and plan coverage are subject to the specific policy’s terms and conditions.
Key Features of Standard TATA AIG Health Insurance Plans
| Features | Tata AIG Health Insurance Benefits |
|---|---|
Affordable Premium | Our health insurance plans start at affordable premium |
Sum Insured | Wide range of Sum Insured options of upto ₹3 Crores |
Discounts | Extensive discounts based on the policy tenure (up to 10%) and the number of members included in family floater plans (up to 32%) |
Network of Hospitals | Over 12,000 hospitals across India |
Hospitalisation Expenses | For the treatment of any medical condition covered in the policy |
Pre-and Post-Hospitalisation Expenses | For the treatment before admission and after discharge |
Coverage for Daycare Procedures | For more than 540 daycare procedures |
AYUSH | Coverage for Ayurveda, Yoga, Unani, Siddha or Homeopathy |
Online Claim Processes | Quick and hassle-free online claim processes |
Worldwide Cover | For an overseas treatment and also for the ailment diagnosed in India and treated overseas |
Wide range of Additional Covers | Maternity Cover, OPD Cover, Consumables Cover and more |
Automatic Restoration | Automatic refilling or restoration of the sum insured |
Cumulative Bonus | Bonus between 5-50% of Sum Insured every year |
Preventive Health Checkup | Annual Preventive health check-ups at our network |
Tax Benefits | Tax deduction up to ₹1 lakh on health insurance premiums under Section 80D |
Customer Support | 24/7 customer assistance |
Compare our Best TATA AIG Health Insurance Plans at a Glance
| Features | TATA AIG MediCare | TATA AIG MediCare LITE | TATA AIG MediCare Premier | TATA AIG MediCare Plus (Super Top Up) | TATA AIG Elder Care |
|---|---|---|---|---|---|
Hospitalisation Expenses | ✓ | ✓ | ✓ | ✓ | ✓ |
Pre and Post-Hospitalisation Expenses | ✓ | ✓ | ✓ | ✓ | ✓ |
AYUSH Treatment | ✓ | ✓ | ✓ | ✓ | ✓ |
Daycare Procedures | ✓ | ✓ | ✓ | ✓ | ✓ |
Ambulance Services | ✓ | ✓ | ✓ | ✓ | ✓ |
Restoration Benefit | ✓ | ✓ | ✓ | X | X |
Cumulative Bonus | ✓ | ✓ | ✓ | ✓ | ✓ |
Maternity Cover | X | X | ✓ | X | X |
Consumables Benefit | ✓ | X | ✓ | ✓ | ✓ |
Domiciliary Treatment | ✓ | ✓ | ✓ | ✓ | X |
Global Cover | ✓ | X | ✓ | ✓ | X |
What Our Customers Are Saying
Very good. keep growing .Best of luck tata group and company's.
This website is amazing. Neat and clutter free...What a delightful user experience...loved it...Kudos to the Tata AIG team and the website developer too!
Their customer service executives really helped me with the requirements for claim filing and were very patient with me.
Very nice, big 👌 thumps up to entire who ever involved to build this platform.
Very easy
Thank you TATA AIG. this process is very easy. we don't need any agent for this. this is Time Saving for us.
Benefits of Health Insurance Plans
Coverage for Hospitalisation Expenses
Health insurance covers hospitalisation expenses, such as room rent (including ICU charges), doctor’s fees, medications, nursing fees and more.
Coverage for Pre- and Post-Hospitalisation Expenses
A health insurance policy also covers the medical expenses incurred before the hospitalisation and after the discharge from hospital.
Coverage for Critical Illnesses
By purchasing certain health insurance policy, you can cover critical illnesses, such as cancer, cardiovascular diseases, kidney failure and more.
Extensive Coverage at an Affordable Premium
You can purchase a TATA AIG Medical Insurance policy with extensive coverage to cover high medical expenses at an affordable premium.
Cashless Hospitalisation
We can settle your medical bills directly at the hospital to help you receive the essential treatment without the hassle of upfront payments.
Coverage for Different Types of Treatments
Health insurance plans also cover the different types of medical treatments, such as AYUSH and also the expenses incurred towards daycare procedures.
Add-on Covers for Flexible Coverage
You can customise and enhance your health insurance policy by including additional coverage options such as maternity cover, OPD cover, consumables cover and more.
Preventive Health Checkups
With our TATA AIG health insurance plans, you can also cover the expenses incurred towards preventive health checkups.
Tax-Saving Benefit
You can claim up to ₹1 lakh under Section 80D for the premiums paid towards health insurance plans purchased for yourself, including family and parents.
- Coverages are subject to the specific policy’s terms and conditions.
Factors To Consider While Buying Health Insurance
Scope of Coverage
Know the scope of coverage, including the range of minor and major illnesses covered and features, such as the hospitalisation, pre-and post-hospitalisation, critical illness insurance benefits and more.
Sum Insured
Determine the sum insured based on your healthcare requirements and the cost of medical treatments in your locality. Choose extensive coverage such as ₹50 lakhs or ₹1 crore for higher coverage if you are at risk of developing a critical illness.
Waiting Periods
Waiting periods refer to the duration you must wait after purchasing a policy before you can file a claim for specific benefits or treatments. For instance, it applies to treatments for pre-existing illnesses, maternity cover etc.
Optional Add-on Coverage Benefits
Determine the range of add-on/rider coverage benefits offered to enhance the medical insurance plans based on your specific needs, such as the OPD cover, maternity cover, etc.
Eligibility Criteria
Determine the age eligibility criteria, lifelong renewability and specific conditions applicable to the health insurance policy. Read through the policy document thoroughly to understand the inclusions, exclusions and specific terms and conditions.
Cashless Hospitalisation and Network of Hospitals
Although cashless hospitalisation is now available across all hospitals in India it is much easier in the network of hospitals. Therefore, explore the network of empanelled hospitals and online health insurance processes for smooth claim settlements.
Room Rent Sub Limit
Explore health insurance plans with no or minimal sub limits to ensure maximum benefits during hospitalisation.
Claim Settlement Ratio
Determine the reliability of the insurer by reviewing their claim settlement ratio. A higher claim settlement ratio, such as over 90% indicates a greater possibility of your claims being approved.
Eligibility Criteria for a TATA AIG Medical Insurance Policy
| Eligibility Criteria | Specifications | Details |
|---|---|---|
Age | Dependent Children | Upto 25 years |
Age | Adults | 18 years and above |
Waiting Period | Initial after Policy Purchase | 30 days |
Waiting Period | Pre-existing Diseases | Upto 3 years |
Waiting Period | Specific Diseases | 2 years, but can vary depending on the specific policy conditions and health insurance requirements |
How to Buy a Health Insurance Plan?
Step 1:
Visit the official TATA AIG website and click on ‘Personal’ → ’Health Insurance’.
Step 2:
Choose the member or select the number of members and click on “Get Plan”.
Step 3:
Provide the required information, such as date of birth, mobile number, email address and pincode and click on “See Plan”.
Step 4:
Review the different health insurance plans available, read the different policy documents and choose a suitable policy.
Step 5:
Enter the required information, such as the sum insured and policy tenure required.
Step 6:
View the Premium Breakup and pay the applicable premium online to buy your medical insurance policy.
Documents Required to Buy Health Insurance:
- Proof of Identity - Aadhaar Card, Passport, Driver’s Licence, etc.
- Proof of Address - Aadhaar Card, Passport, Voter ID, etc.
- Proof of Age - Birth Certificate, Aadhaar Card, Passport, etc.
- Proof of Income - Bank Statements, Salary Pay Slips, Income Tax Return forms, etc.
- Medical Documents - Previous Medical Records, Prescriptions, etc.
- Previous Health Insurance Documents, if applicable
How to Renew Health Insurance Online?
Step 1:
Visit our official TATA AIG website.
Step 2
Under the “Renewal” tab, click on “Health” for TATA AIG health insurance renewal.
Step 3
Enter your Policy Number and click on “Renew”.
Step 4
Review your existing policy and make the necessary changes.
Step 5
Pay the applicable premium online to renew your health insurance policy with TATA AIG
How to Get a Physical Copy of your Medical Insurance Plans?
Step 1
Visit our official TATA AIG website and click on “My Policy”, which is present at the top right-hand corner.
Step 2
Click on “Download Policy”.
Step 3
Provide the required details and continue to download your health insurance policy.
Step 4
The health insurance policy document will be saved as a PDF file on your laptop or computer.
Step 5
Proceed to print it and get a physical copy.
Inclusions/Exclusions of TATA AIG Health Insurance Plans
TATA AIG Medical Insurance Coverage Inclusions*
Hospitalisation Expenses: The hospitalisation expenses related to the treatment of medical condition or injury are covered as specified under the policy conditions.
Pre- and post-hospitalisation Expenses: TATA AIG medical insurance coverage provides for pre- and post-hospitalisation expenses for specified number of days as mentioned in the policy.
AYUSH Cover: TATA AIG health insurance plans cover the expenses related to treatments under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy.
COVID-19 Treatment: COVID-19 medical treatment expenses are covered for insured patients.
Daycare Procedures: Minor treatments requiring less than 24 hours of hospitalisation, such as tonsil removal and cataract removal, are covered.
Global Cover for Planned Hospitalisation – Covers inpatient and daycare treatment abroad if diagnosed in India. Claims are reimbursed, with cashless available case-by-case. Visa service fees are covered for sum insured of ₹7550 lakhs and above.
Ambulance Expenses: The cost of hiring ambulance services for transportation of insured patient to a hospital or from one hospital to another hospital for better medical facilities and treatments are covered under TATA AIG medical insurance coverage.
Pre-Existing Illnesses: The expenses related to pre-existing illnesses are covered after the mentioned waiting period.
Domiciliary Hospitalisation: Our insurance plan covers the cost of receiving medical treatment at their home, under certain conditions.
Preventive Health Check-up Expenses: Some health insurance plans cover preventive health check-up expenses.
Infertility Treatment Expenses: Infertility treatment expenses, like IVF, etc., are covered under the EmpowerHer rider*.
*TATA AIG EmpowerHer UIN: TATHLIA25036V012425).
Please refer to the policy wording and brochure for further reading.Out-patient Treatment - Dental: Expenses related to in-person consultations with Dental Specialist and dental treatments/procedures are included under our OPD Care rider*.
*OPD Care UIN:TATHLIA25035V012425
Please refer to the policy wording and brochure for further reading.HIV AIDS Treatment Expenses: Treatment expenses for HIV/AIDS are covered by medical insurance coverage under our Model Policy for HIV/AIDS and Persons with Disability*.
*TATA AIG Model Policy for Persons with Disabilities and HIV/AIDS, Tata AIG UIN: TATHLIP23190V012223
Please refer to the policy wording and brochure for further reading.
TATA AIG Medical Insurance Coverage Exclusions*
- Self-inflicted Injuries: Attempted self-inflicted injuries treatment, including suicide, are not covered by health insurance plans.
- Cosmetic Surgery Expenses: Cosmetic surgeries are not covered under health insurance coverage unless required due to any accident.
- Illness or injuries Resulting from Nuclear Perils: Health insurance does not cover illnesses or injuries caused by nuclear perils or attacks.
*Coverages and exclusions are subject to the specific policy’s terms and conditions.
Health Insurance Covers*/Add-ons/Riders
Critical Illness Cover
This cover offers a lump sum payout when the policyholder is first diagnosed with a covered critical illness like cancer, stroke, heart failure, etc. The policyholder can use the lump sum payout to get treated at any medical facility of their choice.
Preventive Annual Health Check-Up
You are covered for a comprehensive medical check-up each year under this cover. This benefit includes a range of medical tests designed to assess your overall health and catch any potential issues early.
Accident Cover
Under this cover, you or your family/policy nominee receive compensation in case of an accidental death (policyholder) or partial or total disability caused by an accident. You can buy this coverage either as an add-on to your existing policy or as a standalone policy.
Day Care Procedures
Offers coverage for day care procedures that do not require an overnight hospital stay or hospitalisation. It covers procedures like cataract surgery, dialysis, routine check-ups, etc.
Domestic Second Opinion Rider
Get a second opinion on your initial diagnosis or treatment from a network provider, empanelled service provider, or medical practitioner in India. The second opinion will be sent directly to you through various modes of communication, like audio, video, online portals or digital applications.
International Second Opinion
Get a second opinion on your initial diagnosis or treatment from a network provider, empanelled service provider, or medical practitioner located outside of India. The second opinion can be for covered illnesses like cancer, kidney failure, etc., and will be sent directly to you through various modes of communication, like audio, video, online portals or digital applications.
Emergency Assistance Services
Get access to emergency assistance services like ambulance service, first aid service and more arranged by an empanelled service provider. This cover kicks in in the event of injury due to an accident during the policy period.
Inflation Protect
Receive additional increases to your sum insured based on current inflation rates when you renew your health insurance plan. The inflation rate will be applied to your base sum insured of the expiring policy. If this cover is not renewed before the base policy expires, all the carried forward and accrued inflation protection amounts will lapse.
Cumulative Bonus Shield
Your accumulated cumulative bonus will not be reduced under the base medical insurance policy on renewal so long as the total claims made during the year do not exceed the limit specified in your policy schedule. If the number amount of claims you’ve made do exceed the limit, your cumulative bonus will be reduced according to the rules in the base policy.
Carry Forward Unutilised Sum Insured
Carry forward any unused in-patient treatment sum insured from your current policy to the next year on renewal, so long as the policy is renewed with us without any break. Note that the total amount carried forward under cannot exceed 200% of the base policy’s sum insured.
Vaccination Cover
Get reimbursed for vaccination costs for illnesses like COVID-19, hepatitis, etc., under this cover. Vaccination costs can be high for certain diseases and this cover offers protection against various diseases without draining your bank account.
Consumables Expenses
Consumables like injections, cotton gauze, masks, gloves, bandaids, and other one-time use medical supplies used during treatment and hospitalisation will be covered. These smaller expenses can add-up during extended hospital stays so this cover acts as a viable safety net.
Daily Cash Allowance
This covers your daily expenses during hospitalisation. It includes coverage for travel expenses, food, etc. You receive a fixed amount daily for these expenses.
Voluntary Co-Payment
With this cover you get a discount on your premiums when you buy your health insurance policy. In exchange, you’ll need to pay a specific co-payment amount anytime you file a claim under your policy.
Room Eligibility Modification
If you get a premium discount under this add-on, the room entitlement in your base policy will be adjusted to the limit specified. In case you’re admitted to a room that is a higher category than the entitled room, you will need to pay a proportion of the total associated medical expenses. This excludes pharmacy charges, diagnostic costs, costs of implants, medical devices and consumables.
The amount you need to pay will be calculated using the following formula:
Expenses to be paid by the policyholder = (Associated Medical Expenses) × (Incurred Room Rent – Eligible Room Rent) / Incurred Room Rent
Premium Waiver Benefit
Under this cover, if the policyholder dies from an accident within 365 days or is diagnosed with a specific type of cancer, the premium for the next policy year on renewal will be covered by TATA AIG. This payment will only cover the insured under the policy for that year.
If there are changes to the base policy or new members are added other than a newborn or newly married spouse, the policyholder will need to pay the difference in premium.
Modification in Pre-Existing Disease Waiting Period
With this add-on, the waiting period for pre-existing diseases can be revised to 12 or 24 months under the base policy.
Waiver of Age Linked Co-Payment
Under this cover, any age-linked co-payments that apply in the base policy will be removed and will not apply to eligible claims made under the base policy.
Extension of Pre and Post-Hospitalisation Cover
The coverage period for pre and post-hospitalisation expenses such as consultations, tests and medicines covered under the base policy will be extended for 90/120/180 Days.
High-End Diagnostics
Diagnostic tests like Brain Perfusion imaging, CT guided Biopsy and Urography, Digital Subtraction Angiography (DSA), PET CTs and MRIs, Renograms, Liver Biopsy and Magnetic Resonance Cholangiography Scans will be covered on an OPD basis.
OPD Treatment
OPD treatments like consultations and pharmacy expenses up to ₹20,000* will be covered when you complete 2 years of continuous health insurance coverage with TATA AIG. This benefit has a separate limit (over and above the base sum insured) and does not affect the cumulative bonus.
OPD Dental Treatment
Dental treatments like tooth extractions, fillings and root canal treatment for single and multiple sittings will be covered for up to ₹25,000* when you complete 2 years of continuous health insurance coverage with TATA AIG. This benefit has a separate limit (over and above the base sum insured) and does not affect the Cumulative Bonus.
Global Cover for Planned Hospitalisation
Planned hospitalisation overseas up to the plan’s sum insured is covered, provided your diagnosis was made in India and you need to travel abroad for treatment. The medical costs covered will be for inpatient and daycare hospitalisation.
Any claims made under this cover will be paid for on a reimbursement basis, and cashless services will be provided on a case-by-case basis. Plus, this benefit will also cover visa service fees for obtaining a valid visa for medical treatment overseas. Coverage for Visa Services Fees is available for sum insured options of ₹75 lakhs and above.
Compassionate Travel
If the insured is hospitalised for more than 5 days in a place with no adult or immediate family member, we will cover the costs for a round trip economy class air ticket or first class railway ticket for an immediate family member to be at their bedside for the duration of the hospitalisation.
If the insured is hospitalised overseas for planned treatment, expenses for a round-trip economy-class air ticket will be covered by an immediate family member. Compassionate travel for overseas treatment is available only for sum insured options of ₹50 lakhs and above.
First Year Vaccinations
Vaccination expenses up to one year after the birth of the child will be covered, provided the child is covered under the plan. You get maximum coverage of ₹10,000 (₹15,000 in the case of a girl child). This coverage limit is a lifetime limit and not a policy limit which will be applicable for each child.
Domiciliary Treatment
Domiciliary or at-home treatment for an illness of the insured person is covered if the treatment exceeds 3 days. This coverage will only be provided for the management of an illness and not for enteral feedings or end-of-life care.
Emergency Air Ambulance Cover
Ambulance transportation via aeroplane or helicopter for emergency life-threatening conditions that require immediate medical attention will be covered. Coverage up to ₹5 lakhs for sum insured options up to ₹50 lakhs is available, and for sum insured options of ₹75 lakhs and above, coverage up ₹5 lakhs for Non-Network Providers and coverage up to the base sum insured for network providers is available. A medical practitioner should prescribe a medical evacuation and should be medically necessary.
Prolonged Hospitalisation Benefit
If you’re hospitalised for more than 10 continuous days for a disease, illness or injury, you will be paid a fixed amount of 1% of the sum insured*. This cover will come into effect if the claim is admissible under in-patient treatment coverage.
Wellness Services
Wellness services designed to assist insured persons in maintaining and improving good health and fitness will be provided. These include teleconsultations, ambulance booking facilities, an emergency “Help Me” feature, redeemable vouchers and discounts on services and health condition management.
Wellness Program
Earn wellness points through our Wellness Program by hitting health and fitness milestones. These points can be redeemed and used to pay for services and items like OPD consultations and treatments, pharmaceuticals and supplements, and health check-ups and diagnostics. You can also use your points to pay for non-payable items during claims.
Daily Cash For Accompanying An Insured Child
A daily fixed amount of 0.25% of the base sum insured and a maximum of ₹2000 per day* will be paid to an adult accompanying the hospitalised insured child. The child must be under 12 years of age, and the hospitalisation claim must be admissible under in-patient treatment.
Daily Cash For Choosing Shared Accommodation
A daily fixed amount of 0.25% of the base sum insured up to a maximum of ₹2000 per day will be paid to the insured person for each day they are hospitalised in shared accommodation in a network hospital. The hospitalisation claim must be admissible under in-patient treatment.
Hearing Aid
We will cover costs for a hearing aid every third year. The maximum amount paid will be 50% of the actual cost or ₹10,000*, whichever is lower. The items must be medically necessary and prescribed by a specialised medical practitioner.
Women-Specific Covers/Add-ons
- Maternity Cover: Maternity expenses will be covered, provided you’ve completed the 3-year waiting period under the plan. Coverage provided will be up to ₹50,000 (60,000 in case of birth of a girl child)* for sum insured options up to ₹50 lakhs and ₹1 lakh (1.20 lakhs in case of birth of a girl child) for sum insured options over ₹75 lakhs*.
- Delivery Complications Cover: Medically necessary treatment for the newborn baby in case of complications related to delivery will be covered for admissible claims filed under the maternity cover. You get maximum coverage of ₹10,000* for a sum insured up to ₹50 lakhs and ₹25,000* for a sum insured of ₹75 lakhs and above.
- Reduction of Maternity Benefit Waiting Period: With this add-on, the maternity benefit waiting period can be reduced to 36 Months, 24 months or 12 months.
*TATA AIG MediCare Premier and UIN - TATHLIP24159V042324/ Flexi Shield UIN: TATHLIA25039V012425
Refer to the product documents for complete details
What is the Ideal Coverage for Health Insurance?
Health insurance coverage is decided based on the individual policy buyer’s coverage requirement. However, a general rule of thumb is that the sum insured by the health plan must at least be equal to half of the policy buyer’s annual income. Moreover, as per expert’s suggestions, buying the best health insurance policy coverage of at least ₹10 lakhs might be required to cover rising health expenses.
Additionally, policy buyers must keep these points in mind to buy the right health insurance coverage for them:
- Age of the policy buyer
- Residential city (tier 1, 2, 3)
- Future health costs as per rising inflation
For example, If person A is living in a Tier 1 city with a high cost of living and medicine, then buying health insurance coverage of up to ₹10 to ₹20 lakhs would be wise for them. While another person, B, is living in a Tier 3 city with a lesser cost of living and medical care, then health insurance cover of ₹5 lakhs might be sufficient for them. However, various other factors, like the insured person’s age, medical history, lifestyle and more, affect their coverage requirement.
Why Should I Buy Health Insurance Online?
Instant Procedure
Buying a health insurance policy is quick and easy. You can easily check policy features and get policy quotes in a few simple steps. Simply visit the health insurance page online and provide the requested details.
Easy Comparison
Online policy buying procedure makes it easy to compare multiple policies at once. This way, you can check the sum insured, policy features, add-ons and premiums of various insurance providers before buying the best one.
Paperless Procedure
You can buy health insurance online without any paperwork. All the policy procedures will be completed online, and the documents will be digital. Soft copies of insurance policy papers will be sent via email so that you can download and review them anytime and anywhere.
Ask the Experts
Connect with TATA AIG insurance experts for any queries related to insurance wordings, features or add-ons. Moreover, our claim experts are available instantly for assistance during the settlement procedure.
Why Should I Purchase Health Insurance When I’m Young?
Lower Premium Rates: Age is considered a crucial factor when calculating health insurance quotes. Thus, the younger you are, the lower your premium rates will be and vice versa.
No Health Check-ups: Young people have fewer health risks, so it may not be required for them to have medical check-ups before they buy health insurance plans.
No Claim Bonus: Buying health insurance plans at a younger age increases your chances of receiving a non-claim bonus, which can enhance your sum insured in later years.
No Co-Payment: Young health insurance plan buyers do not have to share their medical bills, as the co-payment option is not available for them.
Get Continuous Health Insurance Cover: Buying health insurance plans at a young age helps you get continuous health coverage with renewals. This way, you can avoid the waiting period for pre-existing and specific diseases.
What is the Waiting Period in a Medical Insurance Policy?
Typically, there are three types of waiting periods in health insurance. Here are the categories of waiting periods in a TATA AIG health insurance plan.
Initial Waiting Period
During the initial waiting period of your health insurance plan, you cannot file any claims other than those arising out of accidental injuries. The initial waiting period for TATA AIG health insurance plans is 30 days.
Waiting Period For Pre-existing Illnesses
The coverage for various pre-existing illnesses in a health insurance plan does not usually get activated immediately upon the purchase of the said plan. The waiting period for the treatment of pre-existing illnesses is 3 years.
Waiting Period For Specific Diseases
The treatment for certain specified diseases will also be excluded until the expiry of the waiting period applicable to the medical insurance policy. The waiting period is generally 2 years and can vary based on the specific health insurance policy and its terms and conditions.
Waiting Period For Maternity Cover
The waiting period for maternity coverage in a health insurance plan is usually four years. Therefore, it is prudent to buy a health insurance plan well in advance of your plans to start a family.
How To Pick The Best Health Insurance in India?
Look for Adequate Sum Insured
A health insurance plan must serve your requirement otherwise, you only end up wasting money. If you have a plan whose coverage barely covers the losses, it is time to review your policy and choose an adequate sum insured.
Compare Health Insurance Plans
Buying an expensive policy means the premiums will be quite costly. Instead, always look for an affordable health insurance policy, and you should be able to find your pick. You can also use our health insurance premium calculator to make an informed decision.
Good Network of Hospitals
A wide network of hospitals means you can visit your insurer’s network hospital, no matter where you are and get access to seamless cashless hospitalisation. Our network of 12,000+ hospitals all over India means you need not worry about making any hospital bill payments.
Reliable Brand
It is important that your insurer is reputed and has a good claim settlement ratio. This figure indicates that your insurance provider will honor your health insurance claims in case such a situation arises.
Check the Waiting Periods
Depending on the health insurance plan you choose, look for the waiting period. The waiting period for pre-existing diseases is 2-3 years, and there is also an initial waiting period of one month when you cannot file any claim other than an accidental claim.
No Sub-Limits
Try to opt for the best health insurance policy that does not include sub-limits for room rent. With this benefit, you should be able to avail of better accommodation if you are hospitalised.
Steps to Use TATA AIG Health Insurance Premium Calculator
By now, we’re sure you’ve understood the importance of getting a good health insurance policy for yourself and your family members. But how do you understand if you’re paying the right premium?
Check our Health Insurance Premium Calculator and follow these simple steps to compare and determine the most affordable health insurance plan.
Choose Who You Want to Include in the Coverage
The first step to computing your health insurance premium is to provide us with information about how many people you want health insurance coverage for. If you are opting for individual health insurance, select the icon for Self.
On the other hand, if you want to include your spouse, parents and/or children in the health insurance plan, select the relevant icons and click on Proceed or Next.
Submit the Necessary Personal Particulars
Secondly, you must enter the required personal information, including your mobile number and date of birth. This information needs to be submitted for every person you want to include in the health insurance plan.
Choose A Health Insurance Plan
The next, and perhaps the most critical step, in the process is the selection of a suitable health insurance plan. This entails choosing the sum insured, plan tenure and the required add-ons.
You can enhance the coverage of the selected plan by adding riders such as high-end diagnostics, emergency air ambulance, and the cost of consumables. Remember that any such selection shall have a bearing on your health insurance premium.
Answer Some of Our Basic Queries
In the next step of the process, you shall be required to answer some basic questions about your health condition and lifestyle habits. We request you to be as honest as possible while responding to these questions
Get Your Health Insurance Quote
The last step is entering your name and email address and your health insurance quote shall be on the screen and in your WhatsApp inbox.
Also Read: GST on Health Insurance
Which Factors Affect Health Insurance Premium?
Age
Health insurance premiums tend to increase with age, as older individuals are more susceptible to health issues.
Gender
Premium may also vary based on gender, as some health conditions are more prevalent in men.
Type of Policy
The premium varies significantly depending on the health insurance policy you choose and its features.
Policy Tenure
The premium may also vary depending on the duration you have chosen for your health insurance policy.
Sum Insured
The premium for your health insurance policy also increases with the extent of the sum insured.
Number of Insured Members
For a family health insurance policy, the premium increases with the number of members covered.
Health Condition
Your overall health condition, along with pre-existing illnesses, can significantly impact the medical insurance premium.
Family Medical History
A history of hereditary illnesses in your family can raise the health insurance premium due to increased health risks.
How To Reduce Health Insurance Premium?
Paying a high health insurance premium can become a nightmare if your expenses go out of control. Sometimes, it is the health insurance plan and the coverage that increase your premium payments, and at other times, it could be a potential health risk that is responsible. Either way, it is essential to have affordable health insurance to ensure you can manage ongoing expenses while your policy continues to protect you and your family! Hence, here are some tips to ensure low-premium health insurance:
Buy your health policy early
As you may know, your age plays an important role in determining your premium amount. And so if you wait till you get older before buying health insurance, your premiums will also increase. Therefore, purchase a health policy soon and enjoy paying lower premiums.
Manage your health insurance plan
Choose the optimum sum insured that matches your health insurance needs perfectly. Consider the health conditions, family medical history, nature of medical expenses, medical inflation and quality of health care necessary for your family. Based on that, choose the right sum insured. Use a health insurance calculator to get the right premium.
Compare health insurance plans
Always compare all your options before you purchase your health policy. Buying the first health plan means you have not explored your options and can lose out on a chance to pay an affordable medical insurance premium. Hence, always compare health insurance to get the cheapest health insurance that suits your medical needs.
Choose the cover wisely
It is always better to first understand your health insurance needs before buying a policy. Suppose you have dependent family members, then an individual health insurance plan is not only impractical but also more expensive than a family floater health insurance plan.
Go for Top Ups
Top-up plans like the TATA AIG Medicare Plus Super Top Up Health Insurance help you boost your insurance coverage so that you can always be prepared for medical emergencies without breaking the bank and keep your health insurance coverage and health insurance premium in check.
How to File a Health Insurance Claim?
If you’ve received treatment at a network hospital or non-network hospital, you can enjoy quick and easy cashless claims by following these steps for non-emergency hospitalisations:
Step 1 - Inform Us: Email us your cashless claim form at least 48 hours before your scheduled treatment at the hospital. You can also send us a letter intimating this information.
Step 2 - Wait For Our Confirmation Letter: Upon the receipt and verification of the aforementioned form, we shall send you a confirmation letter and intimate the hospital about the claim.
Step 3 - Submit The Letter at the Hospital: On your arrival at the hospital, you must submit your health card, and the confirmation letter received from TATA AIG.
That's it! There are no more steps. You just rest and recuperate, and we'll take care of the bills.
Note:
Turnaround time:
Cashless Pre-authorisation | 1 Hour
Final Authorisation for Discharge | 3 Hours
How to File a Health Insurance Claim?
Steps for Cashless Health Insurance - Non-Emergency Scenarios
If you’ve received treatment at a network hospital or non-network hospital, you can enjoy quick and easy cashless claims by following these steps for non-emergency hospitalisations:
Step 1 - Inform Us: Email us your cashless claim form at least 48 hours before your scheduled treatment at the hospital. You can also send us a letter intimating this information.
Step 2 - Wait For Our Confirmation Letter: Upon the receipt and verification of the aforementioned form, we shall send you a confirmation letter and intimate the hospital about the claim.
Step 3 - Submit The Letter at the Hospital: On your arrival at the hospital, you must submit your health card, and the confirmation letter received from TATA AIG.
That's it! There are no more steps. You just rest and recuperate, and we'll take care of the bills.
Note:
Turnaround time:
Cashless Pre-authorisation | 1 Hour
Final Authorisation for Discharge | 3 Hours
Steps for Cashless Health Insurance - Emergency Scenarios
In case you have to visit the hospital for emergency treatment, the claims process is slightly different:
Here is what you need to do if you have found yourself at one of our network or non-network hospitals during an emergency and require unscheduled medical treatment.
Step 1 - Submit The Claim Form At the Hospital: Send us your cashless claim form no later than 24 hours after being hospitalised so that we may generate the Claim Intimation/ Reference Number. Here are the documents that need to be submitted to utilise the cashless claims benefit:
A copy of your health insurance policy;
Your insurance card;
Your photo identification proof;
Your proof of address;
Duly filled CKYC form in case the claim amount exceeds ₹1 lakh.
Step 2 - Await Our Authorisation Letter: Once we receive your cashless claim from the concerned hospital, we shall issue an authorisation letter to the hospital and settle the bills with them. All you need to do then is focus on your recovery.
Note:
Turnaround time:
Cashless Pre-authorisation: 1 Hour
Final Authorisation for Discharge: 3 Hours
Steps for Health Insurance Reimbursement - Emergency Scenarios
If you opt for health insurance reimbursement, you have to pay the medical bills and then later file a reimbursement claims with us by following the steps mentioned below.
Step 1 - Fill And Submit The Reimbursement Claim Form: Submit the duly filled reimbursement form to us along with the following documents.
- A copy of your health insurance plan or insurance card;
- A Medical Certificate signed by a registered doctor;
- The relevant pathological reports;
- A copy of the hospital discharge card;
- The original hospital bills and receipts;
- The original pharmacy bills;
- The investigation report, if applicable;
- A copy of the First Information Report in case of an accidental claim;
- Your NEFT details for the settlement of the claim;
- Duly filled CKYC form if the amount of the claim is above ₹1 lakh.
Step 2 - Await claim settlement: Once we receive your requirement claim form and the required documents, we shall verify them then process the claim and award the reimbursement to you.
Note: The claim will be settled within 15 working days upon receipt of all necessary documents.
Documents Required for Health Insurance Claim
Medical emergencies come unannounced, and the only economical way of dealing with them is with medical insurance plans. However, such emergencies can only be covered if you file a claim or choose at the right time. And for that, you should have all of your documents in place so that we can help you with a seamless claim settlement. In health insurance plans, the documents needed for filing a claim are,
In-patient hospitalisation bills attested by the insured under the medical insurance.
The discharge card signed by the authority at the hospital/network hospital.
Claim form containing the insured’s signature.
A valid medical investigation report.
The medical store receipts and the doctor’s prescription.
List of hospital consumables prescribed by the doctor with all details.
The present year’s copy of the third-party administrator’s (TPA) ID card.
Copies of the health insurance policy from the previous year.
Any other document as required by TPA.
Bills and receipts of doctor’s consultation.
Popular Misconceptions About Medical Insurance
Common Health Insurance Myths
- Online health insurance is not reliable- Purchasing online health insurance is secure and transparent, eliminates biased intermediaries and avoids unnecessary additional payments.
- Health insurance can be claimed only for hospitalisation - Medical insurance can be claimed for a wide range of medical expenses, including hospitalisation, pre-and post-hospitalisation, daycare procedures, AYUSH treatment and more.
- Pre-existing diseases are not covered in health insurance- Treatments for pre-existing diseases are covered in health insurance after the specific waiting period.
- Health insurance can cover all medical expenses- Health insurance plans have specific inclusions and exclusions that vary based on the policy type.
Reasons Why People Avoid Buying a Medical Insurance Policy
- Health insurance offered by employers is sufficient- Employer’s health insurance may not be sufficient to cover all your medical expenses and specific requirements.
- Health insurance is not required as I am young and healthy- The risk of developing complex diseases is becoming increasingly common among young individuals due to stress and lifestyle habits.
- The higher sum insured offered in health insurance may not be necessary- The cost of medical treatments has always been on the rising trend. Health insurance can cover a wide range of medical expenses.
- Not aware of the benefits of health insurance in financial planning- Paying health insurance premiums can help you save on tax, avoid breaking your savings and cover various healthcare costs.
Health Insurance Tax Benefits
| Policyholder | Deduction Applicable (₹) | Preventive Health Check-up (₹) | Maximum Deduction Limit (₹) |
|---|---|---|---|
Self and Family | 25,000 | 5,000 | 25,000 |
Self and Family | 50,000 | 5,000 | 50,000 |
Self and Family | 25,000 + 25,000 | 5,000 | 50,000 |
Self and Family | 25,000 + 50,000 | 5,000 | 75,000 |
Self and Family | 50,000 + 50,000 | 5,000 | 1,00,000 |
Difference Between Mediclaim and Health Insurance
| Differentiating Factors | Mediclaim | Health Insurance |
|---|---|---|
Coverage | Covers only hospitalisation expenses. | Offers comprehensive coverage, including hospitalisation, pre-and post-hospitalisation, ambulance expenses, etc. |
Sum Insured | Can be restricted to a definite sum insured, such as ₹5 lakhs | Offers flexibility in choosing the sum insured, such as ₹10 lakhs, ₹50 lakhs or ₹1 crore based on your specific requirements. |
Add-on Covers | No or limited scope for optional add-ons | Wide range of optional add-ons to enhance the coverage |
Flexibility | Standard policies with limited scope for customisation | Extensive options for customisation, including the choice of health insurance, sum insured, policy duration and more. |
Health Insurance Updates
Frequently Asked Questions
What is the need for health insurance cover?
People need health insurance to cover medical emergencies that can be very expensive. Given our busy schedules, lifestyle diseases, rising medical costs and expenses, and the very recent COVID-19 pandemic, it is necessary to have a suitable health insurance policy.
Tata AIG’s health insurance policies are designed to provide extensive coverage against medical contingencies. You can also customise the coverage of our plans to suit your needs as well as your budget.
When is the best time to buy health insurance?
Honestly, there’s never a bad time to buy health insurance. Ideally, the younger you are, the better it is for you and your finances. Young individuals are able to purchase health insurance plans that offer a high sum insured for a very affordable premium. Additionally, when you’re young, it’s easy for you to get over the health insurance waiting period without having to worry about too many out-of-pocket expenses.
What is the difference between health insurance and life insurance?
Health insurance and life insurance policies serve two completely different purposes. Your health insurance policy will help you take care of the cost of medical treatment. It provides you with a safety net to fall back on in case you are diagnosed with an illness or require emergency medical support after an accident. Life insurance policies, on the other hand, are typically used as an investment instrument. They provide the insured individual with a maturity benefit at the end of the policy term. The policies are long-term and usually last for 10 or more years. Additionally, these plans offer financial support to the insured individual’s family members. If something happens to the insured during the policy tenure, the nominee is provided with a payout.
Does TATA AIG offer 24x7customer support?
Yes, at TATA AIG, we’re committed to looking after you and your needs. Our health insurance customer service executives are available round the clock. To get in touch, you can call 1 800 266 7780.
Is there any way to get a discount on my premium?
Absolutely! If you’d like to get the same cover at a lower cost, you should explore switching from an individual policy to a family floater. Or, if you’d still like to purchase an individual policy, check if you can get a longer tenure. Single-year health insurance policies cost slightly more than 2- or 3-year policies. Finally, if you do not make any claims against your medical insurance plan for a whole year, you can enjoy a cumulative bonus the following year. Essentially, you’ll get a higher cover without having to pay a higher premium!
Is the health insurance policy valid across the country?
Yes! You can enjoy the same cover no matter where you are in India. We’ve tied up with over 6,200 hospitals across the country, so you can enjoy cashless claims even when you’re out of town.
Will I be covered outside the country?
Our products – Tata AIG MediCare and Tata AIG MediCare Premier offer global cover in case of planned hospitalization abroad which is in built cover in the product. Whereas, Tata AIG MediCare Plus offers this cover on optional basis as “Global Cover” rider.
Can I make a claim if I am hospitalised for less than 24 hours?
Many treatments today can be completed within just a few hours. Our health insurance plans cover more than 541 daycare procedures. This means that you can make claims against covered daycare procedures even if you do not have to be hospitalised for more than 24 hours.
Can I cover my family under a single policy?
If you’d like to cover multiple people under a single policy, you can opt for our family floater option.
What is a pre-existing illness?
A pre-existing illness or disease refers to any illness, health condition, injury or related issue for which you have been diagnosed or experienced symptoms and medical advice for before purchasing our health insurance policy.
Are pre-existing illnesses covered under my TATA AIG health insurance policy?
We do cover pre-existing illnesses, but only after the waiting period. You can check your health insurance policy documents for the exact duration of the waiting period depending on the medical insurance policy you have purchased.
Can I increase my sum insured in the middle of a policy year?
No, you cannot increase your sum insured in the middle of a policy year. Instead, you will have to wait until you renew your health insurance policy to increase your cover. Alternatively, you can opt for our health insurance super top-up plan to increase your cover at the time of renewal.
Is a medical check-up necessary to purchase health insurance?
A medical check-up is only required in certain circumstances. For the most part, you will be able to purchase your health insurance policy online without worrying about any tests or visits to the doctor. If we need some more information before issuing your health insurance policy, a tele-underwriter will get in touch with you. In some instances, we may require you to do a few tests before we issue you a policy.
Will I have to undergo a medical check-up every year?
Generally, if you renew your health insurance policy on time every year and there’s no break in your cover, we will not require you to take a check-up every year. But, we may take a call based on your medical history and your age.
Why should one buy health insurance at a young age?
Though you can buy health insurance at any age, it is always better to get health coverage when you are young. This way, you can avail of greater insurance coverage with a high sum insured with lower premiums. Since you are less likely to carry any health risks at a young age, your premiums will be low, and you need not worry about medical emergencies during the waiting period of the policy.
Can I have more than one health insurance policy?
Yes, you can have more than one health insurance policy, but that will mean more premium payments for you. If you purchase a health insurance plan from Tata AIG, you can customise the plan to receive comprehensive cover. Our MediCare, MediCare Premier, and MediCare Protect plans offer coverage for an extensive range of treatments and procedures and can be enhanced with additional rider options.
What does my Tata AIG health insurance cover?
The coverage of your Tata AIG health insurance plan will depend on the type of policy you have bought. For example, our Critical Illness plan offers coverage for the treatment of 12 critical illnesses, while the Tata AIG MediCare Health Insurance provides coverage for a wider range of medical emergencies and offers optional benefits like the Global Cover.
Can my health insurance cover my overseas treatment?
Your Tata AIG health insurance policy can cover overseas treatment if you add an optional Global Cover rider to your policy. So, while your base health plan covers treatments within India, the Global Cover rider will help if you have been diagnosed with a condition or illness in India and choose to receive treatment abroad.
Will my health insurance premiums be expensive?
Your health insurance premiums will depend on the coverage of your policy. With the help of the Tata AIG health insurance calculator, you can avail of instant quotes and choose a plan whose coverage and premiums are suitable for you. And more importantly, it is always better to compare all health insurance plans so that you don’t end up paying for any coverage that you don’t receive.
How do I calculate my health insurance premiums?
You can easily calculate your health insurance premiums on the Tata AIG website using our health insurance calculator.
What are pre-existing diseases? Can my health insurance cover pre-existing diseases?
Pre-existing diseases are ailments, conditions, or injuries that you already have at the time of buying the health insurance policy. Your health insurance plan can cover these conditions or ailments, depending on the type of plan you choose; however, there is a waiting period before the policy can start providing coverage for these conditions.
When can I increase my health coverage during the policy year?
You can increase the health insurance coverage of your policy at the time of policy renewal or while buying a new health insurance plan. Tata AIG’s Medicare Plus Super Top-up Health Insurance Plan lets you increase your policy coverage along with providing additional benefits once you have exhausted the claims on your base health plan.
What is the domiciliary treatment? Do Tata AIG health insurance plans offer this feature?
Domiciliary treatment is the medical treatment you receive at home due to your inability to get to the hospital for valid reasons. Yes, Tata AIG's MediCare, MediCare Premier, and MediCare Protect plans cover domiciliary treatment expenses.
Can I get cashless benefits in a non-network hospital?
No, you can get cashless benefits only at our network hospitals across the country. However, if you choose a hospital of your choice for treatment, you can file a reimbursement claim by sending us the medical bills, your health card, and other relevant medical documents. Once we verify the information and the bills, we will reimburse you for the medical expenses incurred.
What are the waiting periods in Tata AIG health insurance plans?
Our health insurance plans outline a few different waiting periods – the initial waiting period, the waiting period for pre-existing diseases, a waiting period for specific illnesses, and one for maternity cover. The waiting period for pre-existing diseases is between two to five years, while the waiting period for specific illnesses is generally two years. For the maternity cover, the waiting period is usually four years.
How to buy Tata AIG’s health insurance plan online?
To buy our health insurance plans, you can follow a few simple steps –
- Visit the health insurance page on our official website.
- On the health insurance calculator, pick the members you want to cover under one plan. If you are looking for an individual health insurance plan, then choose “Self”.
- Then click on “Get Plan” to go to the next page.
- Fill in your date of birth, your mobile number and email address to proceed and click on “See Plan.”
- You can check the instant policy quote and purchase the plan online.
- We will also send you the quote and the policy document on WhatsApp.
What is the process to renew my health insurance plan online?
To renew your Tata AIG health insurance plan, you can follow a few simple steps –
- Visit our health insurance page on the Tata AIG website.
- On the health insurance calculator, pick the members insured under the existing plan and then click on “Renew”.
- On the next page, enter your existing health policy number to renew your health insurance plan.
Is a health check-up compulsory for getting a health insurance plan?
No, a health check-up is not mandatory for getting our online health insurance plans. However, if there is a need for a health check-up, one of our experienced tele-underwriters will get in touch with you and advise you on the same. In certain situations, you may have to undergo a medical test or two before getting the policy.
What is Tata AIG’s MediCare Super Top-up Plan?
Our MediCare Super Top-up Health Insurance Plan is affordable and has additional coverage that you can add to your base health insurance policy. This plan helps restore or enhance your health insurance sum insured if you have exhausted all the claims for the policy year.
What types of health insurance plans does Tata AIG have?
Tata AIG offers individual health insurance, family floater health plans, super top-up health insurance, critical illness plans, personal accident insurance, and coronavirus health cover.
How do I file a claim on my health insurance policy?
You can file a claim on your Tata AIG health insurance policy in the following ways –
If you have received treatment at a network hospital,
- Send us an email with your cashless claim form at least 48 hours before you get hospitalised for a scheduled treatment.
- We will verify the details on the form, get in touch with the hospital, and send you a confirmation letter.
- When you are admitted to the hospital, show the authorities there your health card and the confirmation letter received from us.
- We will settle the payment with the hospital, and you need not worry about anything but your recovery.
If you have to go to a network hospital for an emergency,
- Send us your claim form within 24 hours of being hospitalised along with the required documents, including your insurance card, photo identification and address proof, a copy of your health insurance plan, and a duly filled CKYC form if the claim amount is northwards of ₹1 lakh.
- We'll send the authorisation letter after reviewing the aforementioned claim form and documents. Thereafter, we'll make the full payment of your medical bills.
If you receive treatment at a hospital of your choice that is outside our network,
- After your treatment, verify all the medical bills and make the payment to the hospital.
- Be sure that your treatment is covered under your health insurance policy.
- Send us the reimbursement claim form, along with the required documents, including but not limited to a copy of your health insurance card, the original hospital and pharmacy bills, a certificate issued by a registered Medical Practitioner, and your NEFT details.
- Once we verify the claim, we will settle the reimbursement and transfer the money to your account.
How do I get my health insurance concerns and queries resolved?
To raise any queries or concerns regarding your Tata AIG health insurance policy, you can visit our support page and contact us so that we can reach out and help you.
You can also reach out to us via phone (1800-266-7780), email, or WhatsApp (+91-9136160375).
Will my existing health insurance policy cover hospitalisation expenses for COVID-19?
Yes, your Tata AIG health insurance policy will cover hospitalisation expenses for COVID-19, as per the terms and conditions of your policy.
Will the policy cover expenses due to quarantine?
The expenses incurred due to a self-quarantine at home will not be covered; however, if the quarantine is in a hospital or has been recommended by a doctor, then the expenses will be covered by your health insurance policy.
Are the consultations with a medical practitioner and diagnostic tests in relation to COVID-19 covered under my health insurance policy?
Your Tata AIG health insurance policy will cover the OPD consultation charges and tests as prescribed by your doctor for COVID-19. If you need to be hospitalised for the infection, the hospitalisation is covered under the COVID-19 coverage for the duration, as mentioned in your policy.
Are any waiting periods applicable to claims under COVID-19?
Yes, a waiting period of 30 days will be applicable if you want to file a claim for a new Tata AIG policy. However, if you have renewed your existing Tata AIG health insurance policy, the waiting period is not applicable.
Which is the best insurance policy that covers COVID-19 treatment?
To ensure that you find the best health insurance policy that offers extensive COVID-19 coverage, be sure to calculate your health insurance premiums and compare different plans with the help of our health insurance premium calculator. Once you determine the extent of coverage needed, you will be able to find a suitable plan.
Is there any vaccine for COVID-19?
Yes, as of now there are three vaccines available for COVID-19 in India. While Bharat Biotech’s Covaxin and Serum Institute of India’s Covishield are two widely administered vaccines, Sputnik V is also being introduced to the country.
Does TATA AIG offer cashless claims?
We have tied up with over 7,200+ network hospitals across India. When you get a covered treatment at a network hospital, you can enjoy going completely cashless!
What documents do I need to provide while making a health insurance claim?
If you’re making a cashless claim, we don’t need too many documents. But, for reimbursement claims, we would require all your medical invoices along with the claim form.
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