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Health Insurance
What is health insurance
How does it work
Health insurance at a glance
Why do I need
Top features
Popular Plans
Types of health insurance
Benefits
0% GST
Why should you choose
Inclusions/Exclusions
Add-Ons
Covid-19
Compare
Why should i buy
Who is eligible
Factors to consider
How can i buy
Documents required
Health insurance at a young age
Waiting Period
How can i file
Documents required for claim
Avoid claim rejections
How to renew
How to get a physical copy
How to calculate
Which factors affect premium
How can i reduce
What’s the ideal coverage amount
City Tier
100% Cashless Treatment
Hospitals near you
How do i port
Common myths
Mediclaim vs health insurance
Updates
People also ask
Testimonials
Related articles
FAQs
Health Insurance
Health insurance is a financial protective cover that helps you pay for your planned & emergency medical expenses. You receive medical coverage for hospitalisation costs, day care treatments, out-patient (OPD) treatment, pre and post-hospitalisation, ambulance charges, and more. It also covers medical treatment costs for critical illnesses, injuries, pregnancy, surgeries, medication and preventative care.
A health plan is a necessity today, given the rising cost of healthcare in India. TATA AIG offers comprehensive health insurance plans with customisable features designed to protect individuals and families against rising medical expenses. This ensures financial security in times of uncertainty and allows access to the best medical care.
The diverse array of TATA AIG plan options are designed to suit different healthcare needs. We also offer personalised health insurance coverage options that let you choose what you need and pay only for that. The extensive coverage for financial protection will help you access quality healthcare services when you need them the most.
What is Health Insurance?
Health insurance, also referred to as medical insurance, is a financial contract where the insurer covers your medical expenses during the policy period in return for the premium you pay. It covers a wide range of medical expenses such as pre- and post-hospitalisation, hospitalisation, OPD treatment, AYUSH treatment, surgical procedures, and more.
If you get injured or are diagnosed with an illness, your health insurance policy will cover all the related medical expenses for your treatment. From consultations and diagnostic tests to treatments and post-treatment care, most of your medical needs are taken care of.
With 12000+ cashless hospitals, affordable premiums, and quick claims, we ensure you get seamless support when you need it most.
To incentivise more people to buy health insurance, the Indian government offers tax savings under Section 80D of the Income Tax, 1961.
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 |
Why Do I 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.
Top Features Offered by TATA AIG Health Insurance Policy
| 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 |
Types of Health Insurance Plans Offered by TATA AIG
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.
Top Benefits of Buying 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.
4
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.
5
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.
6
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.
7
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.
8
Preventive Health Checkups
With our TATA AIG health insurance plans, you can also cover the expenses incurred towards preventive health checkups.
9
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.
How Health Insurance Helps You Save Taxes with 0% GST
The premium paid for a health insurance policy qualifies for a tax deduction claim under Section 80D of the Income Tax Act, 1961. In addition, payments made for preventive health check-ups are also eligible for tax deductions. You can claim a tax deduction of up to ₹1 lakh for the health insurance purchased for yourself and your family and parents.
Here is a quick glance at the applicable tax deductions and the maximum deduction limits.
Please Note:
● How Health Insurance Helps You Save Taxes with 0% GST are subject to change.
● The deduction applicable to preventive health checkups will be within the overall deduction limit.
● These medical insurance tax benefits are applicable only to eligible taxpayers choosing the old tax regime.
| 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
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. |
Inclusions and 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 Add-Ons to Maximize Your Coverage
1
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.
2
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.
3
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.
4
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.
5
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.
6
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.
7
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.
8
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.
View More Benefits 
Does Health Insurance Cover Covid-19?
The pandemic came as a sudden and rude shock to the whole world, but everyone soon learned to adapt. However, apart from doing your bit by sanitising your hands, wearing your face mask and maintaining social distancing, it is also time for you to review your health insurance plan. And given the infectious nature of the virus, several days of medical observation in the hospital can get really expensive! But with coronavirus insurance from Tata AIG, you can ensure the safety of yourself and your loved ones.
The Tata AIG COVID health insurance and its high sum insured at affordable premiums and extended hospitalisation cover are meant to help you compensate for the loss of income due to prolonged hospitalisation.
To keep up with the mild but imminent threat of coronavirus infection, Tata AIG offers COVID insurance, which is a recent addition to our range of health insurance policies. The COVID health insurance has been created, keeping in mind the medical and financial hardships that you and your family may have to face in an unfortunate emergency.
In general, the rising medical expenses can make it difficult for you to get access to quality healthcare. But to ensure that you do not have to face any financial and medical challenges without adequate support, our COVID-19 insurance plan provides a host of benefits that covers hospitalisation expenses, cashless treatment and more!
Compare Our Top Health Insurance Plans for Your Needs
| Features | TATA AIG MediCare Select | 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 | ✓ (Optional) | ✓ | X | X |
Consumables Benefit | ✓ (Optional) | ✓ | ✓ | ✓ |
Domiciliary Treatment | ✓ | ✓ | ✓ | X |
Global Cover | X | ✓ | ✓ (Optional) | X |
Home Nursing Services | X | X | X | ✓ |
Compassionate Care | X | X | X | ✓ |
Personalized Health Manager | X | X | X | ✓ |
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.
Am I Eligible for Tata AIG's Health 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 |
Which Factors Affect Health Insurance Premium?
1
Age
Health insurance premiums tend to increase with age, as older individuals are more susceptible to health issues.
2
Gender
Premium may also vary based on gender, as some health conditions are more prevalent in men.
3
Type of Policy
The premium varies significantly depending on the health insurance policy you choose and its features.
4
Policy Tenure
The premium may also vary depending on the duration you have chosen for your health insurance policy.
5
Sum Insured
The premium for your health insurance policy also increases with the extent of the sum insured.
6
Number of Insured Members
For a family health insurance policy, the premium increases with the number of members covered.
7
Health Condition
Your overall health condition, along with pre-existing illnesses, can significantly impact the medical insurance premium.
8
Family Medical History
A history of hereditary illnesses in your family can raise the health insurance premium due to increased health risks.
How Can I Buy a Medical 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
What are Steps Should I Follow to Use Health Insurance Premium Calculators?
Choose Who You Want to Include in the Coverage<p>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. </p><p>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. </p>
Submit the Necessary Personal Particulars<p>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. </p>
Choose A Health Insurance Plan<p>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. </p><p>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. </p>
Answer Some of Our Basic Queries <p>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</p>
Get Your Health Insurance Quote <p>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.</p>
Also Read: [GST on Health Insurance](https://www.tataaig.com/health-insurance/health-insurance-gst-rate)
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](https://www.tataaig.com/health-insurance/health-insurance-premium-calculator) and follow these simple steps to compare and determine the most affordable health insurance plan.
Why Choose Tata AIG?
Consumables Cover
If you are admitted to the hospital, apart from the hospitalisation costs, the cost of any surgical and medical consumables or equipment that is billed to you, will be covered by our Consumables Cover. These consumables are the products or equipment that are directly used for your treatment and can be expensive if you are not covered by a health insurance policy that offers this cover.
Worldwide Cover
By adding our Global/Worldwide Cover to your health insurance, you can be covered for the treatment of any illness or condition overseas. If you have been diagnosed with a certain ailment in India but choose to get medical treatment and hospitalisation abroad, this cover can help you cover those costs.
Maternity Cover
After adding our Maternity Cover to your policy and after a waiting period of 4 consecutive years, this rider can help you cover the cost of maternity expenses of up to ₹50,000 for each policy year. We will also increase the coverage up to ₹60,000 if the newborn is a baby girl.
Newborn Cover
If your newborn baby has to undergo any treatment, arising from complications during the delivery, the Newborn Cover will provide coverage of up to ₹11,000 for the necessary treatment, once the maternity claim has been accepted.
OPD Cover
We understand that the cost of medical consultations and medications can build up a hefty bill over a single year. Therefore, our OPD cover will help you cover up to ₹5,000 of these cost for every policy year, after you have after a waiting period of 2 consecutive years.
Hassle-free claim process
We ensure that you won’t have to worry about complicated processes with excessive paperwork when it comes to filing your health insurance policy claim. Tata AIG offers a seamless online process where you can swiftly file your claim on our official website, and our 650+ claim experts will have your claim settled well within the due timelines, provided all the information on the online form is accurate.
Automatic restoration
We understand your medical emergencies and the expenses that come along with them, and so, our health insurance plans come with the automatic restoration benefit. This feature enables the automatic refilling or restoration of your sum insured, just in case you have exhausted it in a single policy year for a health emergency!
Cumulative bonus
For every claim-free year, your Tata AIG health insurance policy will let you enjoy a cumulative Bonus benefit of between 10-50%. This benefit enhances your sum insured without increasing health insurance premiums, making for more extensive health insurance coverage. With our health insurance plans, you can get up to a maximum of 100% additional sum insured for each year that you don’t file a health insurance claim. Be it our cashless treatments, the tax benefits, the option of the additional sum insured and many other benefits, at Tata AIG, we have health insurance plans that are curated for your health insurance needs.
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 Can I File a Health Insurance Claim?
Steps for Cashless Health Insurance - Non-Emergency Scenarios
Steps for Cashless Health Insurance - Emergency Scenarios
Steps for Health Insurance Reimbursement - 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
How Can I 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 I Need for My 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.
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.
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 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.
How Can I Reduce My Health Insurance Premium?
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.
Advantages Of TATA AIG Health Insurance
There are several excellent features in Tata AIG's health insurance plans that make it a suitable choice for your health insurance requirements. Some of the significant features of a Tata AIG health insurance policy are as follows:
Cashless Hospitalisation In India
By getting insured with Tata AIG as your partner in health insurance, you can get access to a network of 12,000+ hospitals across India and benefit from cashless hospitalisation. There is no need to file and follow up on medical insurance claims as we settle the medical expenses and bills directly with the network hospitals.
Substantial Cumulative Bonus for Claim-free Years
For every policy year that does not include a health insurance claim, you can receive a cumulative bonus between 10 to 100 per cent on the sum insured, depending on the plan that you have selected. With this bonus, the sum insured under your health insurance plan gets increased without paying any additional premiums.
Round The Clock Assistance
We’ve made it our mission to anticipate your every need. We put your priorities above ours, always, and work to exceed your every expectation. We offer 24x7 customer assistance, so even if you call us in the middle of the night with an emergency, we’ll be there for you!
A TATA Promise
The name Tata has long been associated with trust, quality, and excellent customer service. We take our commitments very seriously and try to ensure the delivery of prompt and high-quality services to you round the clock.
Your Safety Is Our Priority
At Tata AIG, we place the utmost value in your trust and leave no stone unturned to ensure the protection and privacy of your data, including your personal information and payment details. You can be assured of a safe and transparent process at our website as well as our offices.
High Claim Settlement Ratio
Tata AIG, have reasserted our ever-growing commitment to customer service and support. Additionally, we also offer an easy and quick claim settlement process.
Save On Taxes
It may seem frivolous, but one great reason to get a health insurance policy is to save on taxes. Premiums that you pay to maintain a TATA AIG health insurance policy are exempt from taxes under Section 80D of the Income Tax Act. If you’ve bought a health insurance plan for yourself, your spouse or your kids, you can claim up to INR 25,000 per year. If you’ve bought a health insurance plan for your parents who are over the age of 60, you can claim an additional deduction of INR 50,000 per year.
Please note tax benefits are subject to change in Income Tax laws.
Paperless Policies
Say goodbye to standing in long queues to buy or renew health insurance. With the Tata AIG MediCare line of health insurance products, you can select, compare, and buy an excellent health insurance policy by paying the premiums from the comfort of your home, office, or weekend getaway.
We take our motto of "With You Always" to heart and stay committed to providing you with 24x7x365 support in policy purchase, renewal, premium payment, claim filing, and claim tracking. You can get your policy documents via email and WhatsApp and reach out to us should you need any assistance.
It's Raining Discounts
By buying a Tata AIG health insurance policy, not only do you get extensive health insurance coverage from one of India's most trusted brands but also receive incredible discounts. If you buy our MediCare health insurance plans for a tenure of two years, you can get a 5% discount on the premium. Similarly, if you opt for a three-year Tata AIG MediCare health insurance plan, you can benefit from a 10% discount on the cost of the policy.
What is more, is that should you choose our family floater health insurance plan, the higher the number of family members added to the plan, the higher shall be the discount you get on the premium. You can benefit from a 20% discount on the premium for a family floater health insurance plan for two family members, a 28% discount for three family members, and a 32% discount for more than three family members.
What’s the Ideal Coverage Amount for Me?
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.
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
#GetCashless in 4 easy steps
Send an SMS - GetCashless <space> Policy No <Space> City to 7669300780
Talk to an expert
Hospital acceptance & request evaluation
Get Cashless anywhere*
How to Get a Physical Copy of Your Medical Insurance Plans?
1
Step 1
Visit our official TATA AIG website and click on “My Policy”, which is present at the top right-hand corner.
2
Step 2
Click on “Download Policy”.
3
Step 3
Provide the required details and continue to download your health insurance policy.
4
Step 4
The health insurance policy document will be saved as a PDF file on your laptop or computer.
5
Step 5
Proceed to print it and get a physical copy.
Health Insurance Updates
1
Health Insurance Cashless Everywhere
In January 2024, the General Insurance Council announced that cashless claim benefits would now be available at both network and non-network hospitals of the insurer. Previously, cashless claims were applicable only to the insurer’s network of hospitals.
2
PED Waiting Period reduced from 4 years to 3 years
In April 2014, the IRDAI declared that the waiting period for pre-existing diseases (PED) would be reduced from 4 years to a maximum of 3 years in health insurance plans.
3
Waiting Period for Specified Diseases reduced from 4 years to 3 years
It was also announced that the waiting period for certain specified diseases has been reduced from 4 years to a maximum of 3 years.
4
No Limitations on AYUSH Benefits
The IRDAI also announced that AYUSH treatments should be given the same level of consideration as In-Patient hospitalisation or day care treatments, including coverage for Pre-Hospitalisation & Post-Hospitalisation medical expenses.
5
3-hour Cashless Claim Clearance
The IRDAI has mandated that insurers must settle claims within three hours of receiving a request during discharge. In addition, they are required to process cashless claim requests within one hour of admission.
6
Raise Claims with Multiple Insurers
If you have multiple insurance policies, you can file a claim for a single medical expense from more than one insurer.
7
Moratorium Period Reduced to 5 Years
The moratorium period, during which a claim can be challenged for misinterpretation of information, has been reduced from 8 years to 5 years.
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