TATA AIG Claim Settlement Ratio
  • Importance of CSR
  • 95.46% claims settled by TATA AIG
  • Explore the cashless claim process
TATA AIG Claim Settlement Ratio
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TATA AIG Claim Settlement Ratio

Checking the claim settlement ratio before buying health insurance is an important factor that cannot be neglected. Just like when you buy a house, you verify each and every detail like checking the history of the builder, the projects they had delivered, and much more. Likewise, when buying Health Insurance it is imperative for you to check all the details including the claim settlement ratio.

Buying Health insurance from a company that is not able to settle your claims on time is not good for anything. You and your loved ones might face the financial burden, along with the medical strain if your insurance company is unable to settle the claims on time. Thus, before buying health insurance, ensure to check the company thoroughly, evaluate its past performance, and then make your final decision.

In the article below, we will be elaborately discussing the TATA AIG Health Insurance claim settlement ratio and its benefits.

Claim Settlement Ratio determines the claim-settling ability of an insurance company and is used to rate the company based on its claim settlement. The higher the percentage, the better the company’s ability to settle claims. As per the IRDAI, the claim settlement ratio of TATA AIG Health Insurance is 96.70%

Take a look at the below table that will give you a better idea of the TATA AIG Health Insurance claim settlement ratio from the financial year 2022-23

Status of TATA AIG Health Insurance Claim Settlement Ratio

Financial Year 2022-23
Age Analysis of Number of Claims Paid (%)FY 2022-23
Claims Settled96.70%

Claim Process of TATA AIG Health Insurance Plans

Now, that you have understood what is CSR and what is the TATA AIG claim settlement ratio 2021, you also need to understand the claim settling process. There are two types of claim processes: Cashless and Reimbursement.

Read below to understand them better.

Cashless Claims:

The cashless claim process is as follows:

  • In case of the need for treatment, get admitted to one of the networks hospitals impanelled 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 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 Claim

In the reimbursement claim process, you need to pay all the treatment bills to the hospital and then get the amount reimbursed from your insurance provider.

  • 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.

TATA AIG Health Insurance Company Network Hospital List

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

Explore other TATA AIG Health Insurance Company

To cater to the different medical needs of an individual & their family, TATA AIG Health Insurance Company offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to TATA AIG Health Insurance Company plans explore more:

Accident Health Insurance

Life is very uncertain, you never know what will happen to you in the next second. Are you prepared for that? Nonetheless, to make you ready for life&...

Unique Features

  • Comprehensive accident care
  • Coverage for child education
  • No waiting period

TATA AIG Accident Guard Plan (Pros)

TATA AIG Accident Guard Plan
  • Temporary total disability
  • Child enhancement benefit
  • Air ambulance
  • Loss of hearing

TATA AIG Accident Guard Plan (Cons)

TATA AIG Accident Guard Plan
  • No alcoholism cover
  • No war injury cover
  • No cataract cover
  • No STD cover

TATA AIG Accident Guard Plan (Other Benefits)

TATA AIG Accident Guard Plan
  • Fractures
  • Burns
  • Total disablement cover
  • Accidental death

TATA AIG Accident Guard Plan (Eligibility Criteria)

TATA AIG Accident Guard Plan
  • Entry age- 6 months
  • Max entry age- 65 years
  • SI- NA
  • Waiting period- 30 days

Individual and Family Health Insurance

TATA AIG medicare premier is an all-around health insurance plan offering you the latest and best health care features. Available on an individual and...

Unique Features

  • Eligibility Criteria
  • Benefits and Features
  • Inclusions and Exclusions

Medicare Premier Plan (Pros)

Medicare Premier Plan
  • Wellness service
  • Compassionate travel. Home care
  • Restore benefit

Medicare Premier Plan (Cons)

Medicare Premier Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • Injuries due to breach of law
  • STDs

Medicare Premier Plan (Other Benefits)

Medicare Premier Plan
  • OPD dental treatment
  • First-year vaccinations
  • In-patient treatment
  • Second medical opinion

Medicare Premier Plan (Eligibility Criteria)

Medicare Premier Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 5 L to 3 Cr
  • Waiting period- 30 days

Critical Illness Health Insurance

Be ready for future health complications that may chew down all your wealth and health! Or choose Tata AIG Criti MediCare which has your back. Tata AI...

Unique Features

  • Covers 100 critical illnesses
  • Cancer-360 indemnity cover
  • Hospital cash benefit

TATA AIG Criti MediCare Policy (Pros)

TATA AIG Criti MediCare Policy
  • Complete cancer coverage
  • hospital cash
  • Covers over 100 critical illnesses

TATA AIG Criti MediCare Policy (Cons)

TATA AIG Criti MediCare Policy
  • Self-harm not covered
  • No international coverage
  • Adventure sports injury not covered

TATA AIG Criti MediCare Policy (Other Benefits)

TATA AIG Criti MediCare Policy
  • Discount on premiums
  • Tele medical examination
  • Tax benefits

TATA AIG Criti MediCare Policy (Eligibility Criteria)

TATA AIG Criti MediCare Policy
  • Entry Age: 18 - 65 Years
  • Initial Waiting Period: 30 Days
  • SI: Up to 2 Cr
  • Policy Term: 1/2/3 Years

Senior Citizen Health Insurance

Trusted Naam, Fantastic Kaam! Choose all-around care for your health with the Tata AIG Elder Care plan. Tata AIG Elder Care is tailored to offer high-...

Unique Features

  • Preventive health check-ups
  • Post-operative care
  • Homecare treatment cover

Tata AIG Elder Care Insurance Plan (Pros)

Tata AIG Elder Care Insurance Plan
  • Preventive health check-up
  • Pre-hospitalisation cover
  • Post-hospitalisation cover
  • Compassionate visit
  • In-patient treatment

Tata AIG Elder Care Insurance Plan (Cons)

Tata AIG Elder Care Insurance Plan
  • Obesity/weight control
  • Change of gender treatments
  • Hazardous or adventure sports
  • Maternity not covered

Tata AIG Elder Care Insurance Plan (Other Benefits)

Tata AIG Elder Care Insurance Plan
  • Cumulative bonus
  • Daycare procedures
  • Medical second opinion
  • AYUSH treatment cover

Tata AIG Elder Care Insurance Plan (Eligibility Criteria)

Tata AIG Elder Care Insurance Plan
  • Entry age- 61 years
  • Max entry age- 85 years
  • SI- 5-25 Lakhs
  • Waiting Period- 30 days

Top Up and Super Top Up

TATA AIG Medicare Policy offered by Tata AIG is an affordable top-up policy that is designed to look after your and your family's healthcare needs. Me...

Unique Features

  • Lifetime Renewability
  • High Sum Insured Options
  • Quick Buying Process

Medicare Plus Plan (Pros)

Medicare Plus Plan
  • Global coverage
  • Cumulative bonus
  • Tax benefit
  • Family discount

Medicare Plus Plan (Cons)

Medicare Plus Plan
  • No gender change
  • Any existing disability
  • Injuries due to breach of law
  • Injuries due to aviation
  • No suicide cover

Medicare Plus Plan (Other Benefits)

Medicare Plus Plan
  • Consumables benefits
  • In-patient dental treatment
  • Ambulance cover
  • AYUSH Benefits
  • Domiciliary treatment

Medicare Plus Plan (Eligibility Criteria)

Medicare Plus Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 1 Cr
  • Waiting period- 30 days

Individual and Family Health Insurance

TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expenses. T...

Unique Features

  • Vaccination Covered
  • AYUSH Covered
  • Quick Claim Process

Tata AIG Medicare Plan (Pros)

Tata AIG Medicare Plan
  • Global coverage
  • 540+ day care treatments
  • Qualified nurse
  • Room rent
  • Organ donor

Tata AIG Medicare Plan (Cons)

Tata AIG Medicare Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • STDs
  • Injuries due to breach of law

Tata AIG Medicare Plan (Other Benefits)

Tata AIG Medicare Plan
  • AYUSH benefit
  • Health checkup
  • Bariatric surgery cover
  • Vaccination cover

Tata AIG Medicare Plan (Eligibility Criteria)

Tata AIG Medicare Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 20 L
  • Waiting period- 30 days

Individual

To ensure total health coverage for women, Tata AIG Health Insurance has introduced the Wellsurance Women Policy. This plan is specially designed to p...

Unique Features

  • Designed for Women
  • Check your Eligibility
  • Quick Claim Process

TATA AIG Wellsurance Women Policy (Pros)

TATA AIG Wellsurance Women Policy
  • Cashless hospitalisation
  • Daily cash benefit
  • Post-hospitalisation

TATA AIG Wellsurance Women Policy (Cons)

TATA AIG Wellsurance Women Policy
  • Any pre-existed illnesses or any complications
  • STDs
  • Self-inflicted injuries /Attempted suicide
  • Mental or nervous disorder

TATA AIG Wellsurance Women Policy (Other Benefits)

TATA AIG Wellsurance Women Policy
  • Free helpline
  • Discount offerings on health and wellness
  • Tax benefits

TATA AIG Wellsurance Women Policy (Eligibility Criteria)

TATA AIG Wellsurance Women Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 7 L

Family

TATA AIG's Health Supercharge plan offers a fivefold enhancement in your health insurance coverage. This new plan opens the availability to different...

Unique Features

  • 5X Enhanced Benefits
  • 2 Impressive Variants To Choose
  • Complete AYUSH Coverage

TATA AIG Supercharge Plan (Pros)

TATA AIG Supercharge Plan
  • 5x benefits
  • 5% extra discount for youngsters
  • 2 plan variants
  • AYUSH treatment

TATA AIG Supercharge Plan (Cons)

TATA AIG Supercharge Plan
  • Obesity treatment unavailable
  • Change of gender treatment
  • Maternity cover
  • Act of war not included

TATA AIG Supercharge Plan (Other Benefits)

TATA AIG Supercharge Plan
  • Unlimited recharge
  • Wellness benefits
  • Easy claim process
  • Restore benefit
  • Pan India coverage

TATA AIG Supercharge Plan (Eligibility Criteria)

TATA AIG Supercharge Plan
  • Entry age- 90 days
  • Max entry age- no limit
  • SI -INR 5 L to 20 L
  • Waiting period- 30 days

Health Insurance Companies

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TATA AIG Claim Settlement Ratio: FAQs

1. What is the claim settlement ratio for Tata AIG Health Insurance?

The CSR for Tata AIG health insurance is 95.46% for FY 2022-23.

2. Does having a high CSR mean the health insurer is good?

Yes, a high CSR is an indicator for reliability for health insurance policy holders.

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Himanshu Kumar

Written By: Naval Goel

Naval Goel is the Founder and CEO of PolicyX.com (IRDA- Approved Insurance Comparison Website). He is a CFA charter holder (USA) and FRM (GARP). He holds an MBA from IIFT, Delhi, and is also an Associate from the Insurance Institute of India. Naval is an avid investor and entrepreneur who has a deep understanding of the Indian equity market and insurance sector. He has been investing for more than 10 years now and is a CFA charter holder.