Tata AIG Health Insurance

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About TATA AIG Health Insurance

Tata AIG Insurance Company is a joint venture between the Tata Group and American International Group (AIG). The insurance company began its operations in 2001 and has made a mark in the industry with its products and services. It offers an extensive range of products addressed towards the individual as well as business insurance needs.

TATA AIG offers multiple health insurance plans to deal with different needs of the policyholders. It aims to create better tomorrow for its customers by providing trustworthy and innovative medical insurance solutions to secure their families.

Highlights of TATA AIG Health Insurance

Network hospitals

5,200+

Licensed Agents

22,000+

Claim Experts

550+

**Last Updated on 30-11-2020

Tata Aig Health Insurance Highlights

Types of TATA AIG Health Insurance Plans

1. TATA AIG MediCare Policy

TATA AIG Medicare is an affordable and comprehensive health plan that supports you in the time of medical emergencies. Tata AIG MediCare health insurance can be classified into three types: Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Covers:

Medicare

Medicare Protect

Medicare Premier

Entry Age

91 Days to 65 years

Policy Tenure

1/2/3 years

Members Covered

Up to 7

Sum Insured

3 lakhs to 20 lakhs

2 Lakhs to 5 lakhs

5 lakhs to 50 lakhs

**Last Updated on 30-11-2020

Features:

  • A policyholder will get coverage for 540+ daycare treatment expenses.
  • A policyholder is also eligible to get coverage for in-patient treatment taken under Ayurveda, Unani, Sidha, or Homeopathy.

2. TATA AIG MediCare Plus Policy

TATA AIG MediCare Plus offers you a health companion to rely on. The plan comes with an affordable premium option and offers benefits and features to suit your needs and requirements.

Features:

  • Under this plan, an insured is given medical coverage even outside India.
  • One gets a 50% increase in cumulative bonus for every claim-free year.
  • The plan also offers lifetime renewability of the plan.

3. TATA AIG Wellsurance Woman Policy

TATA AIG Wellsurance Woman policy is specially designed to provide financial coverage to women against illnesses. The plan covers 11 listed critical diseases. Along with the same, there are several additional benefits such as health lines, health and wellness discounts, cosmetic reconstructive surgery, and much more.

Eligibility:

Entry Age

18-65 years

Tax Benefits

Yes

**Last Updated on 30-11-2020

Key Features:

  • The plan will offer a lump sum amount to the insured in case she is diagnosed with any critical illness during the policy tenure.
  • The plan pays up to a specified amount for the medical transportation fees of the insured.
  • ICU expenses related to the treatment will be liable to get the cover for 15 days.
  • The plan will pay a particular amount in the case the surgery is conducted as a reconstructive procedure.

4. TATA AIG Critical Illness Policy

TATA AIG Critical Illness Policy is designed to offer coverage against 11 listed critical diseases. Under this plan, you can concentrate on your treatment without worrying about the expenses.

Eligibility:

Entry Age

18-65 years

Policy Tenure

1 year

**Last Updated on 30-11-2020

Key Features:

  • If the insured has any doubt regarding the treatment or diagnosis, (s)he can opt for a second opinion, and this insurance plan will cover the cost of the same.
  • During the policy tenure, if the insured wants to enhance the sum insured for wider coverage, then (s)he can use the 'sum insured enhancement' feature at the time of renewal and get it done.
  • The plan comes out with the portability option. Under the same, the customer is allowed to invest in a better plan and avail of the huge benefit.
  • You can reduce your taxable income by up to Rs. 50,000 by investing in this critical illness cover.

5. TATA AIG MediPlus Policy

TATA AIG MediPlus is a health top-up plan under which the insured gets an extra cover to deal with medical emergencies in case the limit of the basic health insurance plan meets the threshold.

Key Features:

  • The plan offers coverage of up to 140 daycare procedures.
  • If you need any dental treatment owing to an accident or illness, you are liable to get the coverage under this policy.
  • Under this plan, the insured is liable to get the coverage against ambulance charges up to Rs. 2000.
  • The plan offers coverage against room rent, ICU, and nursing expenses. The coverage can also extend to drugs, medicines, and consumables.

Eligibility:

Entry Age

91 days to 65 years

Policy Tenure

1/2 years

Free Look Period

15 days

**Last Updated on 30-11-2020

6. TATA AIG MediSenior Policy

TATA AIG MediSenior is a comprehensive health insurance plan that is an ideal option for senior citizens. The plan keeps you and your spouse self-reliant and ensures that you have the best medical treatment and financial backup.

Key Features:

  • All medical expenses that occur 30 days before the hospitalization and 60 days post hospitalization will be liable to get the cover.
  • Under this plan, if you choose to pay two years' premium in advance, you can avail of a 7.5% discount on your policy premium, and also get a 5% family discount on insuring 2 family members under the MediSenior policy.
  • You don't have to worry in case you or your spouse needs medical treatment at home (in case of emergency) as the plan offers coverage regarding the same.

Eligibility:

Entry Age

61 years to no limit

Policy Tenure

1 or 2 years

Sum Insured

2 lakhs, 3 lakhs, 5 lakhs

**Last Updated on 30-11-2020

7. TATA AIG MediRaksha Policy

TATA AIG MediRaksha is a comprehensive health insurance plan that takes care of you and your family in case of medical emergencies. The plan offers a protective shield against life's uncertainties and ensures that you live in peace.

Key Features:

  • Under this plan, you can extend the cover for seven family members. It means apart from yourself, you can easily insure your parents, spouse, and three children.
  • To get insured under this plan, you don't have to undergo a medical test up to the age of 55 years.
  • The plan will cover the hospitalisation expenses that occur because of illness or an accident. You get the required coverage against room rent, ICU, boarding, and nursing expenses.
  • The plan also provides coverage in case of an organ transplant – both for the organ receiver and the donor at the time of harvesting.

Eligibility:

Entry Age

91 days to 65 years

Policy Tenure

1 or 2 years

Sum Insured

Rs.50000, Rs.75000, Rs.100000 on Individual basis only

**Last Updated on 30-11-2020

8. TATA AIG Corporate Health Insurance Policy

Tata AIG Corporate Health Insurance offers coverage to the employees at a low and affordable price. The plan also offers coverage for hospitalization, disability, and deaths resulting from accidents.

9. TATA AIG Arogya Sanjeevani Health Insurance Policy

TATA AIG Arogya Sanjeevani Health Insurance keeps you and your family protected in case of medical contingencies. The policy covers basic medical needs and provides financial support in times of medical emergency.

Key Features:

  • The plan offers a lifelong renewal option to the policyholders.
  • Under this plan, policyholders are eligible to gain a 5% increase in the sum insured as a cumulative bonus (for every claim-free year).
  • The plan also offers tax benefits under Section 80D of the Income Tax Act, 1961.

Eligibility:

Entry Age

18-65 years

Policy Tenure

1 year

**Last Updated on 30-11-2020

10. TATA AIG Wellsurance Executive Policy

TATA AIG Wellsurance Executive is a health insurance plan designed to offer coverage against specific and unique requirements of the insured people. The plan offers a complete cover to the insured at an affordable price. The plan can be brought by individuals between the age of 18 and 65 years.

Key Features:

  • The plan offers the desired coverage against specified hospitalisation in a case the insured person is hospitalized for the treatment of injury/sickness.
  • The plan will pay a lump sum amount (after hospitalisation) under the following situations-
  • Post-operative physiotherapy
  • Chemotherapy and/or radiation
  • Kidney dialysis
  • Apart from the basic cover, the plan offers additional services such as a free health line, health query, health portal, or discounted services for the health and wellness and e-newsletter, where the insured can get access to various health articles.

11. TATA AIG Wellsurance Family Policy

TATA AIG Wellsurance Family is a single health insurance policy that covers your child's education and parents' hospitalisation expenses. It allows the insured to protect his/her family to the fullest extent.

Eligibility:

Entry Age 

Adults- 18-65 years

Children- 6 months-23 years

Tax Benefits

Yes

**Last Updated on 30-11-2020

Key Features:

  • The plan will provide a cash benefit daily if the insured is admitted to the intensive care unit because of any injury/sickness.
  • If a family member is admitted to the hospital due to any illness or injury, the plan will provide a daily cash allowance for up to 90 days.
  • The plan pays a specified amount to cover ambulance expenses.

How To Buy TATA AIG Health Insurance Plans?

One has the option to directly buy the policy through the company's website, or purchase via PolicyX.com. Let's look at both the procedures in detail-

Through the Company's Website

  • Visit the official website of TATA AIG Insurance company and choose 'Health' by clicking on 'All Products'.
  • Select the category for whom you want to buy the plan and click 'Get Plan'.
  • Fill the required details like your contact number, dob, and click on the 'See Plan'.
  • Check the plans as per your needs, tap the 'Buy' button, and make the payment.
  • Your policy document will be mailed to you on your registered email address.

Through PolicyX.com

  1. Go to the top of this page and fill the details in the 'Calculate TATA AIG Health Insurance Premium' form.
  2. Out of all the quotes, choose the desired TATA AIG health plan and click on 'Buy Now'.
  3. Pay the premium and your policy documents will be shared with you on your registered email.

Claim Process of TATA AIG Health Insurance Plans

The company provides a simple claim process to assist the policyholder during medical emergencies. It has divided the process into two forms- Cashless and Reimbursement. Let's discuss both types of claims in detail.

Cashless:

Under this form of claim settlement, the insured has the freedom to take the needful treatment at any network hospital. The best thing about this plan is that after submitting the required documents along with a claim form to the insurance company or TPA present at the network hospital, the insured doesn't have to worry about making payments. The insurance company or TPA will directly deal with the bills associated with the treatment.

Note- In the case of emergency hospitalisation, you need to inform the insurer within 24 hours. In case of planned hospitalisation, you need to inform the insurer at least 5 days in advance.

Reimbursement:

Here you need to pay all the treatment bills to the hospital. Later, you can file for reimbursement under TATA AIG health insurance. To do that, the insured must collect all bills, and prescriptions related to the treatment and submit the same along with the claim form to the insurance company or TPA. The insurer will analyze your claim and might ask for additional documents (if required). If it gets approved, the company will transfer the amount directly into your account and in case of rejection, you will receive the reason for the same.

Note- You need to submit the required documents on the below-mentioned address:

Address for Retail Customers: TAGIC Health Claims, TATA AIG General Insurance Company Limited, 5th and 6th Floor, Imperial Towers, H.No 7-1-6-617/A, GHMC No - 615,616, Ameerpet, Hyderabad – 500016, Telangana.

FAQs

1. What are the critical illnesses covered under TATA AIG Critical Illness Policy?

TATA AIG Critical Illness Policy covers ailments like heart attack, organ transplant, cancer, open chest CABG, kidney failure, multiple sclerosis, paralysis, coma, bone marrow transplant, major burns, and blindness.

2. Does TATA AIG MediRaksha health insurance cover me for maternity or pregnancy-related expenses?

No, the plan does not cover maternity or pregnancy-related expenses.

3. Is there a facility of portability under the TATA AIG MediPlus policy?

Yes. If you are not happy with your existing policy, you can easily port your policy.

4. What are the illnesses covered under the TATA AIG Wellsurance Woman policy?

There are 11 illnesses covered under the Wellness Women policy:

  • Cancer
  • First Heart Attack
  • Stroke
  • Kidney Failure
  • Coma Coronary
  • Artery Bypass Grafting (CABG)
  • Major Organ Transplant
  • Total Blindness
  • Paralysis
  • Multiple Sclerosis
  • Major Burns

Page updated on 30-11-2020