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 Claims
Under this form of claim settlement, the insured has the freedom to take the needful treatment at any network hospital and doesn't have to worry about making payments. The insurance company or TPA will directly deal with the bills associated with the treatment.
- In case of treatment, get admitted to one of the network hospitals empanelled with Tata AIG. You can check the list of network hospitals on the company's website.
- Validate your identity with the network hospital, after which the hospital will submit the pre-authorization request form to the company.
- Then the company will review your request and confirm the network hospital by email and a copy of the same will also be shared with you.
- The company will settle the claim with the hospital after the completion of all the formalities.
Note- In the case of emergency hospitalization, you need to inform the insurer within 24 hours. In case of planned hospitalization, you need to inform the insurer at least 5 days in advance.
Reimbursement Claims
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 to the below-mentioned address: Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India.
