TATA AIG Claim Process
  • What are Claims
  • Cashless Claims
  • Reimbursement Claims
TATA AIG Claim Process

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TATA AIG Health Insurance Claim Process

Raising a claim can be a tedious task, so to make the process effortless insurance companies design user-friendly platforms such as websites and mobile applications. In terms of claim filling procedure, TATA AIG Health Insurance has crafted a hassle-free process to raise a claim. The claim settlement ratio of the company is 93.55 %(for 3 months), which gives us a clear indication that the process of filling and settling the claim with TATA AIG is very easy and seamless. Let us discuss all TATA AIG health insurance claim procedures through this article.

Health Insurance Companies: Policy and Claim Process

Claim Filing Process Offered By TATA AIG Health Insurance

The company's claims are classified into two categories, based on the settlement and payment process, lets us examine each type one by one:

1. Cashless Claims:

This type of claim enables the policyholder to avail of the treatment without paying for the medical expenses upfront and then the insurance company will settle down the bill directly with the hospital.

Cashless Claims can be divided into two categories based on the situation of hospitalization and they are:

Planned Hospitalization:

  • Inform the Company: In this process, the policyholder has to inform the insurance company, 5 days before the hospitalization.
  • Wait For Confirmation: The company will issue a confirmation letter, which will be valid for 7 days from the date of issue.
  • Admission Procedure: On the day of admission to the hospital, the policyholder has to submit the health card and confirmation letter to the hospital. After submission, the treatment will start.

Emergency Hospitalization:

  • Inform the Insurer: The policyholder must inform the company within 24 hours of hospitalization.
  • Required Document: Then, submit all the necessary documents, such as insurance card, policy copy, Cust Id proof with photo, address proof, and duly filled and signed CKYC form( If the amount is more than 1L).

2. Reimbursement Claims:

Reimbursement claims let the insured recieve medical care outside of the network hospitals of the insurance company. The policyholder pays the bill upfront and later requests for a reimbursement from the insurer. Reimbursement claims can be filed for 21 days after the hospitalization along with the submition of all the necessary details.

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How to Claim TATA AIG Health Insurance: Cashless Claims

If all the paperwork is aligned, cashless claims are a very straightforward process that goes quickly. Let's see the steps :

Step 1: Hospitals Help Desk Staff or TPA fills out the cashless claim request and submits it to the insurance company. TPA coordinates with the hospital to complete all the paperwork easily. The TPA also helps the policyholder to fill out the 'Pre-Authorization' form.

Step 2: After reviewing all the documents and pre-authorization forms, the company issues an 'Authorization Letter' to the hospital. And the company will complete the rest of the steps of settling the claim.

How to Claim TATA AIG Health Insurance: Reimbursement Claim

Follow these steps for a smooth reimbursement claim filing process:

  • Verify Details: Before signing the final bill, please make sure that all the details are accurate and complete. It is better if the policyholder does not make any delay in the process.
  • Collect the Documents: Collect all the necessary documents before leaving the hospital.
  • Document Follow-Up: Submit the documents to the Third Party Administrator(TPA), assigned by the company or by the hospital authority. Your part of the work is finished here.

Later, the company will verify the documents and will send the amount to your bank account.

Points to keep In Mind:

  • Submit all the documents to the TPA within 21 days of discharge.
  • The company may assign its TPA, if not in contact with the hospital's TPA, authorized by the hospital administration.
  • In the process of claim rejection, contact the TPA or customer care of the company for assistance.
  • You can download the claim form from the official website of the company.

Documents Required For Reimbursement Claims:

There are many additional documents that may be asked by the company for better verification of the claim. Here is the list for the document:

  • Duly signed claim from
  • Insurance Card or Policy Card
  • Medical certificates
  • Pathological reports
  • Hospital discharge bill
  • Original bills and receipt
  • Original pharmacy bills
  • Investigation reports
  • NEFT Or bank transaction details
  • Duly filled and signed CKYC form (if the bill exceeds 1 Lakh)


Filing the claims is extremely easy TATA AIG. Policyholders can choose between cashless or reimbursement claims depending on their convenience. Cashless claims are settled directly with the hospital whereas reimbursement claims provide the customer flexibility in choosing the health care facility of their choice. The company's customer services are readily available to help the policyholders in case of any confusion. You can find the details of customer care services on their official website.

Tata AIG Health Insurance Network Hospital List

Tata AIG Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Tata AIG Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Explore other TATA AIG Health Plans

TATA AIG health offers a wide range of health insurance plans to fulfil the medical needs of individuals, families, and senior citizens.

An indemnity plan for individuals and families without any sub-limits, comes with lifelong renewal and aggregate deductibles.

Unique Features

  • Global Coverage
  • Cumulative Bonus
  • Tax Benefit

Tata AIG Medicare Plus (Pros)

  • In-patient Treatment
  • Long Term Discount
  • Family Discount
  • Day Care Procedures
  • Lifelong Renewal

Tata AIG Medicare Plus (Cons)

  • No Gender Change
  • Any Existing Disability
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • No Suicide Cover

Tata AIG Medicare Plus (Other Benefits)

  • Consumables Benefit
  • In-patient Dental Treatment
  • Ambulance Cover
  • AYUSH Benefit
  • Domiciliary Treatment

Tata AIG Medicare Plus (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 1 Cr
  • Waiting Period - 30 Days

TATA AIG Critical Illness Policy is designed to offer coverage against a wide gamut of illnesses and medical emergencies.

Unique Benefits

  • Second opinion Benefit
  • Tax benefits
  • Option to add beneficiaries

Tata AIG Corporate Health Insurance

Tata AIG Corporate Health Insurance offers coverage to employees and offers coverage for hospitalization, disability, and deaths resulting from accidents.

Unique Benefits

  • 24*7 worldwide coverage
  • Daily Cash Benefits
  • SI based on Salary or Category

A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Unique Features

  • Global Coverage
  • 540+ Day care treatments
  • Compassionate Travel up to 20K

Medicare Health Insurance (Pros)

  • Qualified Nurse
  • Restore Benefit
  • Room Rent
  • Organ Donor
  • Domiciliary Treatment

Medicare Health Insurance (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Medicare Health Insurance (Other Benefits)

  • AYUSH Benefit
  • Health Checkup
  • Bariatric Surgery Cover
  • Vaccination cover
  • 50%Cumulative Bonus

Medicare Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 20 L
  • Waiting Period - 30 Days

TATA AIG Arogya Sanjeevani Policy

A standard health plan designed to cover basic medical needs and keep you and your family protected in case of medical contingencies.

Unique Features

  • Cataract Treatment covered
  • AYUSH Coverage
  • Flexible Premium Payment

Arogya Sanjeevani Policy (Pros)

  • Robotic Surgeries
  • Oral chemotherapy
  • BronchialThermoplasty
  • Day Care Procedures Covered
  • Bronchial Thermoplasty

Arogya Sanjeevani Policy (Cons)

  • No Suicide Cover
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Intra Vitreal Injections
  • Road Ambulance Cover
  • Plastic Surgery
  • AYUSH treatment Cover
  • Cumulative Bonus

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

A unique policy that goes beyond health insurance by providing wellness programs. Provides services like consultation, discounts and newsletters on wellness.

Unique Benefits

  • Convalescence benefit
  • Critical illness benefit
  • Value added benefits

TATA AIG Claim Process: FAQ's

1. What is the name of the mobile application of TATA AIG?

The name of the mobile application of TATA AIG Health Insurance Company is 'TATA AIG Insurance'.

2. How many days after the submission claims does TATA AIG Health Insurance settle them?

In most cases, it takes 15 days to settle the claim, but this duration can be extended depending on the authentication of the documents and the claims raised.

3. How early the policyholder must report the claim in planned hospitalization?

The policyholder can report the claim 5 days in advance in the case of planned hospitalization.

Health Insurance Companies

Tata AIG Health Insurance Reviews

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Anuj Kwatra


March 18, 2024

PolicyX was a breeze to navigate! Comparing different health insurance plans from various companies was incredibly easy. I chose the TATA AIG plan and they helped me with document submission to...

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Lakshay Goel


March 15, 2024

I got a health insurance policy from TATA AIG and I would like to thank PolicyX who helped me make the right decision.

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Priyanka Mathur


March 14, 2024

PolicyX website helped me compare different health plans with various filters like riders I want, sum insured I need, and pre-existing conditions coverage which made me purchase the best TATA A...

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Roopali Soni


February 26, 2024

I am so grateful to PolicyX, for suggesting me TATA AIG Accidental plan. It helped me a lot and paid the bills when I met with the accident recently.

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Brij Mohan Sharma


February 16, 2024

My son met with an accident, he got some injuries. We purchased TATA AIG Accident Guard 2 years ago, and now its the time to claim. Fortunately, PolicyX helped me with the claim procedure and w...

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Madhur Mathur


February 16, 2024

Thank you PolicyX for helping me claim for TATA AIG Accident coverage. It even covered the ambulance and road transportation charges.

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Saumya Shukla


February 14, 2024

The experts at PolicyX helped get my TATA AIG health insurance policy renewal. The team guided me at each step from reminding me about the renewal to payment processing. They made it super easy...

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Anju Chawla


October 11, 2023

I m glad I chose Tata AIG health insurance through Policyx.com. It was an easy process, and their customer support is excellent.

View All Tata AIG Health Insurance Reviews

Varun Saxena

Written By: Varun Saxena

Varun is a passionate content writer with over three years of experience in the insurance domain. An avid learner, he stays ahead of the industry's trends ensuring his writing remains fresh and includes the latest insurance shifts. Through his work, Varun strives to engage with targeted insurance readers.