Individual Health Insurance

• High Out-of-pocket Expenditure

According to the Health Report of Corporate India 2023, an individual’s annual healthcare expenditure in India may reach up to ₹50,000. And over 71% of Indians primarily pay their healthcare expenses out-of-pocket.

• Protection Against Medical Emergencies

From diagnosis and treatment to hospitalisation and medications, personal health insurance offers extensive coverage for the various medical costs. It provides coverage for common illnesses as well as severe conditions like cancer, cardiovascular diseases and renal failure.

• Customisable Coverage

Individual medical insurance lets you choose coverage based on your age, medical history and specific health requirements. Tailored benefits ensure you only pay for what you need, making the plan cost-effective and efficient.

• Access to Specialised Care

With extensive coverage under the individual health insurance policy, you can access specialised treatments, advanced procedures and modern healthcare technologies. These policies often cover high-cost treatments, ensuring you receive the best care without worrying about expenses.

• Enhance Health Insurance Coverage

If you are covered under a health insurance policy provided by your employer or a government scheme and find the coverage insufficient, you can enhance it with an exclusive individual health insurance policy.

TATA AIG MediCare

Key Features

• Budget-friendly individual medical insurance policy with essential coverage.

• Covers hospitalisation, day care procedures, pre- and post-hospitalisation, and domiciliary treatment.

• Customisable with add-ons like the accident cover.

• Benefit from the cumulative bonus, global cover, wellness services, and more.

• Ideal for individuals, such as younger professionals who prefer a basic health insurance policy for essential healthcare requirements.

• Buy TATA AIG MediCare

TATA AIG MediCare Select

Key Features

• Personalised health insurance plan for individuals.

• Customisable policy with over seven add-ons and exclusive riders.

• Offers sum insured of up to ₹3 Crores.

• Unlimited restoration of the sum insured

• Early access for multi-year policies

• Room select with a daily cash benefit.

• Ideal for individuals, such as salaried employees, seeking personalised health insurance coverage for specific healthcare needs.

• Buy TATA AIG MediCare Select

TATA AIG MediCare Premier

Key Features

• Comprehensive health insurance policy with enhanced coverage

• Includes coverage for high-end diagnostics, maternity and delivery complications.

• Access global coverage for planned hospitalisations.

• Offers wellness programs and services for overall healthcare and development.

• Ideal for individuals seeking complete protection against various health-related expenses, from diagnostics and treatment to wellness programs and services.

• Buy TATA AIG MediCare Premier

TATA AIG MediCare Plus

Key Features

• Super top-up individual health insurance policy that offers additional coverage beyond your policy’s existing coverage.

• Benefit from aggregate deductibles.

• Offers life-long renewability and an optional global cover.

• Ideal for individuals seeking extensive coverage or others who have a family medical history of critical illnesses.

• Buy TATA AIG MediCare Plus

TATA AIG ElderCare

Key Features

• Designed exclusively for senior citizens.

• Offers extensive coverage for inpatient treatment, pre- and post-hospitalisation, day care procedures, AYUSH benefit, and more.

• Covers annual preventive health check-ups, home care treatment, home physiotherapy, and more.

• Ideal for retired individuals and others seeking health insurance for an elderly family member.

-Buy TATA AIG ElderCare

What is Covered Under an Individual Health Insurance Policy?

• Hospitalisation: Covers inpatient treatment expenses, such as for the medical procedures, room rent, nursing charges, etc.

• Pre and Post-Hospitalisation: Covers medical expenses that incur during the 60 days before hospitalisation and 90 days after hospitalisation. This includes expenses, such as follow-up doctor consultation charges, medicine bills, etc.

• Day Care Procedures: Covers the cost of medical procedures that require less than 24 hours of hospitalisation, such as cataract surgery

• Domiciliary Hospitalisation: Covers the cost of home care treatment when the individual cannot be moved to a hospital.

• Preventive Health Check-Ups: Covers the cost of annual medical check-ups for physical examinations that include ECG, blood sugar levels, etc.

• Organ Donor Expenses: Covers the medical and surgical expenses incurred during an organ transplant surgery.

• AYUSH Cover: Covers medical treatment expenses incurred towards Ayurveda, Yoga, Unani, Siddha, and Homoeopathy.

What is Not Covered Under an Individual Health Insurance Policy?

Self-inflicted Injuries or Attempted Suicide: Medical expenses arising from injuries caused intentionally or attempted suicide are not covered.

• Pre-existing Health Conditions: Cost of treatment for pre-existing health conditions incurred before the waiting period is not covered.

• Abuse of Drugs or Alcohol: Medical expenses incurred towards treating addictions due to alcohol or substance abuse are not covered.

• Cosmetic Surgery: The cost of cosmetic surgeries are not covered unless it is medically advised due to an accident.

• Treatments for Obesity: The cost of treatments for obesity or weight control is not covered.

• HIV/AIDS: Medical expenses associated with the treatment of HIV/AIDS are not covered.

• Please note: These are some of the common inclusions and exclusions. Please refer to your specific policy for the detailed policy conditions.

• Convenience

Buying health insurance online allows you to shop and compare plans at your own pace, anytime, anywhere, without needing to visit an agent or office.

• Easy Comparison Tools

Use our TATA AIG Health Insurance Calculator (refer to the next sections for more details) to compare the various policy options and buy health insurance online.

It is a simple and user-friendly tool that allows you to compare the coverage features, benefits and premiums quickly to choose the best plan for your needs.

• Time-Saving Process

Skip lengthy paperwork and agent visits. Complete your application and payment process online within minutes, ensuring a hassle-free experience.

• Potentially Lower Premiums

Purchasing an online health insurance policy may reduce premiums as it eliminates intermediary costs and administrative expenses.

• Paperless and Instant Policy Issuance

Enjoy an eco-friendly process with digital applications. Your policy document is emailed instantly after premium payment, saving time and effort.

• Access to Wellness Services

Through TATA AIG’s mobile app, you can access your policy, book consultations, track your BMI and monitor your wellness goals—all at your fingertips.

Also Read: Importance of Preventive Care and Wellness Programs

Buying personal health insurance online from TATA AIG ensures convenience, transparency, and added value for a healthier tomorrow.

Coverage Needs

Evaluate your healthcare requirements based on age, pre-existing conditions, anticipated medical expenses and lifestyle habits. This will help you determine the coverage and sum insured required.

Policy Coverage

Examine the coverage offered by the single health insurance policy, such as for hospitalisation, pre- and post-hospitalisation, day care procedures, and critical illnesses. Ensure that they satisfy your specific medical needs.

Sum Insured

Opt for a higher sum insured that accounts for inflation and rising healthcare costs. While looking for an affordable health insurance policy, do not compromise on the required coverage.

Add-On Riders

Enhance your policy with optional riders like critical illness or accidental cover. These customisations make your individual health insurance policy align with your unique needs.

Exclusions and Waiting Periods

Understand the policy exclusions and waiting periods applicable to pre-existing conditions and specific treatments. This will help you understand what features are not covered under the policy and how long you need to wait for specific coverage.

Lifetime Renewability

Healthcare expenses increase as you get older. Choose a policy with lifetime renewability to secure coverage during later years when health risks increase.

Network Hospitals

Explore TATA AIG’s vast network of hospitals across India, offering cashless treatment. Look out for reputable hospitals near your location to access timely benefits.

The coverage required depends on several factors, such as age, lifestyle, pre-existing health conditions, healthcare costs in your city, and more. As a thumb rule, you can consider it anywhere between 50% - 100% of your annual income.

Here are a few tips on the factors that can help you determine the right coverage for your individual medical insurance policy.

Healthcare costs in your area

Healthcare expenses are higher in Tier I cities, compared to Tier II and Tier III cities. Examine the treatment costs for common illnesses in some of the reputable hospitals in your locality.

Pre-existing health conditions

If you suffer from pre-existing health conditions, determine the treatment expenses and costs associated with your routine check-ups.

Family medical history

If your family has a history of critical illnesses, examine the costs that you might incur in the future for treating such illnesses in some of the best hospitals in your locality.

Age

Younger individuals can consider basic coverage for essential healthcare needs if they don’t suffer from any specific health condition.

And with the increase in age, account for the possible healthcare expenses that might arise in the future and determine the coverage. This largely depends on your lifestyle.

Lifestyle

Sedentary lifestyle, irregular routines and sleep patterns, unhealthy eating, and higher consumption of alcohol or smoking can increase health risks. And this demands higher coverage.

For more detailed insights, refer to our page on how much health insurance you need.

A health insurance premium calculator is a simple online tool designed to estimate your health insurance plan’s premium based on your specific needs.

TATA AIG's premium calculator helps you determine the right plan by comparing coverage options and costs, ensuring affordability and comprehensive protection.

Steps to Use TATA AIG Health Insurance Premium Calculator

• Open the TATA AIG Health Insurance Premium Calculator online.

• Select the gender and who you wish to buy the plan for, and click on “Get Plan”.

• Enter the required information, such as date of birth, pin code, etc.

• Provide details about pre-existing conditions or medical history and proceed.

• View the different plan options with premium amounts displayed on the screen.

• You can compare the options, choose a suitable policy, and include add-ons to determine the actual premium amount payable.

Affordable Premiums

Buy low-premium health insurance plans from TATA AIG. Now, with GST revised from 18% to 0%, you can buy an individual health insurance plan starting at just ₹15 per day.

Wide Range of Plan Options

Choose from a broad spectrum of individual health insurance plan options, each with specific features and benefits.

Extensive Coverage

Select individual health insurance plans with a sum insured ranging from ₹5 lakhs to ₹3 Crores to suit your specific requirements.

Fully Customisable Health Insurance

Customise your individual health insurance plans with coverage features that suit your specific healthcare requirements. Choose only what you need and make it even more affordable.

** Long-term Health Insurance**

Choose a policy duration of 1, 2, or 3 years for your individual health insurance plans and secure long-term protection.

Extensive Add-ons

Choose from over 30+ optional covers, such as critical illness cover, inflation protect, accident cover, OPD treatment, and more.

Global Coverage

Visit international healthcare facilities and get covered for the various medical expenses incurred.

Cumulative Bonus and Discounts

Get up to 50% cumulative bonus for claim-free years. And discounts up to 10% on long-term individual medical insurance plans.

Wide Network of Hospitals

Access effortless cashless hospitalisation with minimal documentation from over 12,000+ hospitals across India.

Seamless Claim Settlement Processes

Experience hassle-free claim settlements, both for cashless and reimbursement claims, through simple and easy steps.

Manage your Policy Digitally

Buy health insurance online and manage your policy and coverage digitally through our dedicated TATA AIG app.

• Visit the official TATA AIG website. Under the “Personal” tab, select the "Health Insurance" option.

• On the calculator that appears at the top of the page, provide the required details and click on “Get Plan”.

• Enter essential details, such as the date of birth, mobile number, email address, pincode, and occupation, and then proceed to “See Plan”.

• Compare and choose from the list of policy options and include optional covers if necessary. Provide the required information related to your lifestyle and health condition.

• Review the policy coverage and pay the premium online using a convenient method.

• Once successful, a soft copy of your policy will be emailed to you.

• Visit the official TATA AIG website and click on the ‘Renewal’ tab.

• Choose ‘Health’ from the dropdown option.

• Enter your Policy Number and click on ‘Renew’.

• Review your existing policy, revise coverage, and include optional covers if necessary.

• Make your payment online, and your renewed policy will be sent to your registered email ID.

• Ensure you renew before the expiry date to maintain uninterrupted coverage.

Filing a health insurance claim with TATA AIG is straightforward, and claims are categorised into cashless claims and reimbursement claims.

Here is how each works:

Cashless Claims

The cashless health insurance process allows you to receive treatment at network and non-network hospitals without paying upfront.

Steps to File a Cashless Claim

• Inform Us Inform TATA AIG about your cashless claim. You can contact us using a preferred method.

• Select a Hospital Select a hospital and inform the hospital’s insurance desk about your policy. The hospital will request approval from TATA AIG for the estimated expenses.

• Get Pre-authorisation TATA AIG reviews the treatment plan and issues pre-authorisation for approved expenses.

• Undergo Treatment Undergo treatment, and the hospital sends the bills to TATA AIG directly.

• Bills Settled Directly at the Hospital TATA AIG settles the approved amount with the hospital, and you pay for non-covered expenses if applicable.

Reimbursement Claims

In a reimbursement claim, you first pay for your treatment expenses out of pocket and then file a claim and get the amount reimbursed.

Steps to File a Reimbursement Claim

• Inform Us Inform TATA AIG about your cashless claim. You can contact us using a preferred method.

• Receive the Treatment and Pay Get treated at any hospital and pay the bills upfront. Save all bills, medical reports and prescriptions.

• Submit the Documents Fill out the corresponding claim form and submit it with the supporting documents. You can initiate the claim process online or at any of our branch offices.

• Document Verification TATA AIG verifies the documents and assesses the claim.

• Claim Settlement Upon approval, the eligible amount is reimbursed to your bank account.

Documents Required to File a Health Insurance Claim

• Duly filled and signed health insurance claim form

• Medical reports, investigation results and case history

• Hospital discharge summary and treatment documents

• Precise diagnosis of the treatment claimed

• Bills and receipts for medical expenses

• Prescriptions for medications or treatments

• Any additional documents requested by the claims department

Under Section 80D of the Income Tax Act, the premium paid for an individual health insurance policy is eligible for a tax deduction benefit.

The maximum deduction depends on the age.

For individuals below 60 years of age, the maximum deduction limit is ₹25,000, and for those above 60 years, it is ₹50,000.

You can claim this benefit on two separate policies, one purchased for yourself and your family (including spouse and children), and another for your parents.

• Scenario 1: If you are less than 60 years of age and your parent is above 60 years of age, the maximum deduction you can claim is ₹75,000.

• Scenario 2: If both you and your parents are above 60 years, the maximum possible deduction you can claim is ₹1,00,000.

In addition, you can also claim up to ₹5,000 for preventive health check-ups. However, it is included within the maximum deduction limit based on age.

Health insurance plans for individuals offer greater flexibility and long-term security. Choosing between the two depends on your personal requirements.