Personalised health insurance is an insurance policy tailored to meet the individual's specific health requirements and circumstances. Such plans offer specific coverage that aligns with one's lifestyle, habits, specific health conditions and financial capacity. Such plans are designed for all individuals, men and women, looking for custom insurance solutions.

It takes into account all individual requirements and gives an insurance cover that fits just right. For example, a person with a pre-existing condition may not want to wait two years till the coverage begins. He may want my health plan that covers the disease from day 1. Here, a customised plan steps in to provide the insured with an option to include the pre-existing condition from day 1 and avoid hefty out-of-pocket expenses.

Recognising the importance of personalised insurance, TATA AIG offers the Medicare Select plan, which allows you to cut down the waiting period for pre-existing diseases to 30 days as per the policy’s terms.

As the health dynamics shift, many insurers prioritise the need for custom health insurance, including TATA AIG, offering a more tailored approach to health coverage. It offers a host of benefits tailored to match your health needs efficiently.

A Plan Tailored for Your Health- Custom health insurance provides health-specific and extensive coverage to the insured, covering all health concerns under a single blanket. Thus, you no longer have to spend from your pocket or worry about insufficient coverage for a specific health need.

For instance, if you are inclined towards alternative treatments such as Ayurveda, Unani, Homoeopathy, etc., you can get it covered under many of TATA AIG’s insurance plans, such as TATA AIG Medicare Select, TATA AIG Medicare Premier, etc.

Keeps the Premium Affordable- Personalised insurance plans let you pay for what you need in an insurance cover. Thus, you are saved from paying for unnecessary coverage, keeping the premium affordable.

Improves Financial Stability- When you pay for customised coverage, your premium amount comes down considerably. It allows you to plan your financial allocation smartly during emergencies and achieve long-term financial stability.

Access to Preventive Care- Many personalised plans may also provide access to regular preventive care facilities. With the help of annual check-ups and access to wellness programs and services, you have the opportunity to detect any health issues early on. Thus, it facilitates early detection and treatment of diseases.

Wellness Rewards- Yet another wonderful benefit of getting my health insurance is the availability of wellness rewards and programs. These rewards are specially curated as an incentive to reward the insured for maintaining good health and wellness. Using the rewards, one can access vouchers and discounts for fitness centres, medicine purchases, and ambulance booking facilities, among others, resulting in additional savings.

TATA AIG offers a host of customised medical insurance plans to suit the requirements of different individuals. Here is how you can buy the most suitable one.

• Scroll to the TATA AIG official website and choose “Health” as the option.

• On the next page, click on “Self” and select “Get Plan”.

• Next, fill in the details, such as your birth date and email address, and click the “See Plan” button at the bottom.

• On the next page, you will be able to access the different custom health insurance plans, such as TATA AIG Medicare Select Plan, TATA AIG Medicare Premier, etc.

• At this stage, you can customise the individual insurance plan with the sum insured, policy tenure and other details. Additionally, you can also include customised add-on covers like mental health cover, cancer benefits, supercharge rider bonus and many more.

• Next, proceed to buy the insurance plan by providing all the necessary details required.

• Review the insurance plan details and proceed to make the payment using the online gateway.

• Once the payment is completed, the policy will be emailed to you shortly.

TATA AIG brings customisable health insurance plans to accommodate the specific health requirements of individuals. The TATA AIG Medicare Select is a highly customised plan that can be tailored from scratch to suit financial and wellness goals and requirements. You can choose from custom family floater/individual health insurance coverage for tailored protection and ample support during medical emergencies.

Some of the customisation details are given in the table below.

Apart from the Medicare Select, some other customised insurance options from TATA AIG include the following:

TATA AIG Medicare Premier- This is a comprehensive insurance plan, which is the combination of a base plan and additional riders, allowing customisation.

TATA AIG Eldercare- Elderly citizens can opt for the TATA AIG Elder Care plan to secure their health and wealth in the golden years of life.

Top-Up Plan- TATA AIG’s super top-up plan, also known as the TATA AIG Medicare Plus, allows customisation of the sum insured, deductibles, etc., to accommodate high medical expenses.

Getting personalised health insurance involves several steps and careful consideration of various factors. Here are some tips to help you create the best customised health insurance plan.

Health Assessment- Prioritising health assessment enables you to find out the exact health condition. Once you know the underlying issues, it will give you a fair idea of what to look for in a health insurance policy when customising it.

Lifestyle Habits- If you have any lifestyle habits that can potentially put you at risk of developing a specific disease, you may want to customise the insurance plan accordingly. For example, someone with a smoking habit may be at risk of developing heart disease or respiratory illness. In such a case, customising the health insurance plan with specific ailment coverage is a wise thing.

Know the Add-Ons- Add-ons are an excellent way to customise my health insurance and get the maximum benefit from them. One can include the most relevant add-ons based on the specific health requirements. For instance, an individual who experiences high stress levels can opt for mental well-being cover to get mental health support, counselling sessions, etc.

Premium Comparison- Compare the premiums of different custom health insurance and pick one that fulfils your health needs and fits your pocket, too.

Additional Services- When customising health insurance, look out for additional services, such as 24.7 customer assistance, a quick claim settlement process and so on. These services go a long way in making your insurance journey hassle-free.

Look for Professional Assistance- You can seek assistance from the customer support desk if you have any queries related to the personalised insurance plan. It is better to get the doubts cleared early on to avoid unpleasant surprises later.

Investing in personalised health insurance is crucial to get coverage that is created for you and your health requirements. TATA AIG offers some of the best customised health policies that can be tailored to match the varying health requirements of various individuals. Irrespective of age, occupation, gender, and health requirement, each one can find “their” health plan with TATA AIG.

TATA AIG offers health insurance plans curated for individuals of all ages and health needs. From a newborn child to an elderly adult, every individual can benefit from the custom plans. For any assistance on customised individual plans, you can contact the 24.7 customer support team.