TATA AIG Health Insurance Company

TATA AIG Health Insurance Overview

TATA AIG Health Insurance offers various comprehensive health insurance plans to its customers. It is one of the leading health insurance companies, serving the market since 2001. TATA AIG has become a household name for its diverse health insurance plans. Their main aim is to provide trustworthy and innovative medical insurance for public welfare and healthcare needs.

What Does TATA AIG Health Insurance Offer?

Tata AIG offers a variety of health insurance plans that cater to the needs of you and your family. They have products ranging from health insurance plans for individuals, families, women, senior citizens, and children, to plans designed for specific diseases and critical illnesses. With over 10,000+ network hospitals, you can get cashless treatments, ensuring TATA AIG covers you from unforeseen medical emergencies. Read below for more information about TATA AIG Health Insurance Company.

Key Highlights

• 11,000+ Network Hospitals
• COVID-19 Coverage Offered
• Up to 3 Cr Sum Insured
• 24x7 Customer Support

Features That Set TATA AIG Apart

• Exclusive health insurance plans for individuals, families, women, and more
• A comprehensive wellness system to promote a healthy lifestyle
• Emergency ambulance services
• Cashless claim settlement services from over 11,000+ cashless healthcare providers
• Unlimited teleconsultations

TATA AIG Health Insurance Plans

TATA AIG has a wide variety of health insurance plans that can cater to your varied health insurance requirements. Here are the plans they offer:

• Individual Health Insurance

  Specifically designed for individuals with low premiums and high benefits. If you are looking for a health insurance plan and just started your career, then this will be a suitable plan for you.

• Family Health Insurance

  As the name suggests, family floater health insurance provides coverage to up to 5 members of your family against a single sum insured. You can add multiple nominees to this kind of plan, and the premium amount is typically low as the sum insured is shared among all members under the plan.

• Super Top-Up Health Insurance

  Super top-up provides enhanced coverage and adds to the sum insured in your existing individual medical insurance plan.

• Critical Illness Health Insurance

  Many insurance policies do not cover expenses related to critical illnesses such as cancer, cardiovascular diseases, and other specified conditions. TATA AIG covers these illnesses as well.

• Personal Accident Insurance Policy

  An accident can lead to permanent disability or even death. Tata AIG covers you and your family in such scenarios.

• Coronavirus Health Insurance

  This is the latest add-on in the company’s plans. You are all familiar with COVID-19 and its related expenses. TATA AIG provides coverage for these.

Why Choose Tata AIG Health Insurance?

• Versatile and affordable health insurance plans for every need
• 24x7 customer support for easy claim settlement
• Over 11,000 network hospitals all over India
• Offers comprehensive coverage at affordable premiums
• Tax benefits under Section 80D of the Income Tax Act

Benefits of TATA AIG Health Insurance Plans

Tata AIG Health Insurance, a specialized health insurer in India, is known for its innovative products that have significantly impacted the insurance sector. They have thoughtfully designed each of their products for everyone. There are a number of reasons why you should choose TATA AIG Health Insurance. Let us read below:

1. Super Quick Purchase Process

   Tata AIG Health Insurance offers an easy, smooth, quick, and transparent purchase process.

2. No Sub-Limit on Hospital Room Rent

   You will get the flexibility to choose your hospital room without an upper ceiling on expenses, as long as it falls under the umbrella of the sum insured under the plan. Therefore, you can receive treatment in a hospital room without worrying about out-of-pocket expenses.

3. No Co-pay

   With a comprehensive plan, you do not have to worry about out-of-pocket expenses, as all covered expenses are borne by your sum insured.

4. Maternity Cover

   TATA AIG designed this cover to support you financially through the beautiful phase of life. You can reimburse maternity expenses, but this benefit activates after one year of purchasing the policy.

5. Pre and Post-Hospitalization Cover

   Your pre and post-hospitalization expenses will be covered under the TATA AIG mediclaim policy. You can benefit from expenses incurred 30 days before hospital admission (such as diagnosis) and 60 days after discharge from the hospital.

6. Cover for Pre-Existing Illness

   With TATA AIG coverage, you will get coverage for pre-existing diseases after completing the designated waiting period.

7. Cashless Claims

   If you opt for medical services from any network hospital, you will receive cashless bill settlement.

8. Tax Benefits

   Under Section 80D of the Income Tax Act, 1961, your premium amount may be exempt from taxes. If your insured individual is under 60 years, you can claim a maximum deduction of INR 25,000.

9. AYUSH Cover

   Nowadays, getting treatment from several traditional techniques is easy. With TATA AIG, you will also get coverage for AYUSH treatments, which are ancient methods of treating diseases.

Factors to Consider While Buying TATA AIG Health Insurance

Choosing the best health plan involves proper planning. You need to consider various factors before investing in the right medical coverage. Study the scheme for the following advantages to understand and compare the best medical insurance in India.

• Verify Eligibility

  Health policies come with different entry age restrictions. In TATA AIG Health, the entry age is 91 days on a floater basis.

• Ensure Maximum Coverage

  Check out the coverage your health insurance is providing. TATA AIG Health provides pre and post-hospitalization expenses, diagnosis expenses, and annual health checkups.

• Look for Affordable Premiums

  Keep a note of the premiums that you need to pay. TATA AIG Health provides a digital portal where you can calculate the premiums.

• Check for Exclusions

  You need to check the exclusion list before choosing the health care policy. There are certain conditions under which you cannot make a claim.

• Understand the Co-payment Clause

  It is advised to check the co-payment clause before you invest in the insurance.

• Select Wide Cashless Network Hospital

  Check for the network hospitals the insurance providers are offering. Ensure the number of reputed cashless hospitals they have on the list.

• Bid for Higher Claim Settlement Ratio

  The claim settlement ratio reflects the company’s reliability. The higher the claim settlement ratio, the higher the company’s value.

What is Covered by Tata AIG Health Insurance?

Pre and Post Hospitalization Expenses

Tata AIG Health Insurance understands the impact of medical inflation, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to hospitalization.

AYUSH Treatments

Most TATA AIG Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.

Hospitalization Expenses

TATA AIG Health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.

Day Care Treatments

Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the TATA AIG health insurance plans are designed to cover daycare procedures for policyholders.

Domiciliary Hospitalization

On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. TATA AIG health insurance plans cover domiciliary hospitalization up to specified sub-limits.

What is Not Covered by Tata AIG Health Insurance?

Self-Inflicted Injuries

TATA AIG health policies will not cover injuries or hospitalization caused by self-harm.

Cosmetic Procedures

TATA AIG Health Insurance plans do not cover any kinds of cosmetic surgeries or treatments.

Adventure Sports

TATA AIG Health Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.

Obesity or Weight Control Treatments

TATA AIG Health Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.

Involvement in Illegal Activities

TATA AIG health insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.

TATA AIG Health Insurance Plans Buying Process

If you are looking forward to purchasing TATA AIG Health insurance online, follow the simple steps below:

1. Step 1: Visit PolicyX and Enter Details

   Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.

2. Step 2: Compare Plans

   Click on 'Get free quotes' and compare TATA AIG Health Insurance Plans as per your needs.

3. Step 3: Select and Pay Online

   Select and pay premiums online for the purchased TATA AIG health insurance plan of your choice.

4. Step 4: Receive Assistance

   Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your TATA AIG Health Insurance plan.

Documents Required for TATA AIG Health Policy Claim Settlement

Submit the following documents when filing for TATA AIG health claims:

• Duly completed and signed claim form, in original
• Valid photo ID proof
• Medical practitioner's referral letter and prescription
• Original bills, receipts, and discharge cards from the hospital/medical practitioner
• Original bills from pharmacy/chemists
• Original pathological/diagnostic test reports/radiology reports and payment receipts
• Indoor case papers
• First Information Report (FIR), final police report, if applicable
• Post-mortem report, if conducted
• Any other document as required by the company to assess the claim

TATA AIG Health Insurance Plan Claim Process Steps

You can file for cashless as well as reimbursement claims for your TATA AIG Health Insurance Plans by following these easy steps:

1. Step 1: Initiate Claim Online

   Visit the website of TATA AIG Health Insurance, and select the "Claim" option. Then click on "Claim Intimation" to access the form.

2. Step 2: Provide Policy Details

   Now select "health claim" and provide the required information, which includes the policy number, date of birth, and other details they ask for.

3. Step 3: Select Claim Type and Authorize

   Now select the "claim type," whether you want to opt for a cashless claim or reimbursement. Click on "authorize" and you will receive an OTP on your verified number.

4. Step 4: Verify and Fill Hospital Information

   Verify with the OTP and fill in the required hospital admission information. Select the hospital, and fill in the hospital details in case of a non-network hospital.

5. Step 5: Upload Documents

   Upload the requested documents and click on the "review" button.

6. Step 6: Submit Intimation

   After clicking on the review button, you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.

How to Renew TATA AIG Health Insurance?

Follow these steps for TATA AIG Health Insurance policy renewal:

1. Step 1: Visit Official Website

   Visit the official website of TATA AIG Health Insurance Company.

2. Step 2: Select Renew Option

   Click on the Renew tab and select Health.

3. Step 3: Enter Policy Details

   Mention your ‘Policy Number’ and ‘Date Of Birth’.

Connect with our insurance experts for TATA AIG health insurance policy renewal at 1800-4200-269.