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Tata AIG Critical Illness Plan
The Critical Illness plan offered by Tata AIG Health Insurance covers listed major critical illnesses and medical treatments. This plan provides a lump sum upon diagnosis of certain critical illnesses. This financial compensation offers policyholders additional security for treatment and helps alleviate financial stress. It can be purchased alongside a general health policy for comprehensive coverage during critical times. The plan is available without a medical examination and also provides a second opinion facility if the policyholder is suffering from a covered illness.
Eligibility Criteria
| Category | Details |
|---|---|
| Minimum Entry Age | 18 years |
| Maximum Entry Age | 65 years |
| Policy Tenure | 1 year |
Key Features and Benefits of Tata AIG Critical Illness Plan
The prominent key features of Tata AIG Critical Illness are:
- Lifetime renewability ensures continuous coverage without financial stress.
- The plan is available for individuals up to 65 years of age.
- Under this health insurance plan, 11 critical illnesses are covered.
- No medical test or examination is required to avail of this policy.
- It offers a wide coverage option ranging from Rs. 2.5 Lakhs to Rs. 15 Lakhs.
- This plan provides an option for a second opinion to confirm the diagnosis of a critical illness. You can visit another doctor or hospital for this.
- If you port your policy from one insurer to another, the credit gained for pre-existing conditions, time-bound exclusions, and accrued benefits under the individual health insurance policy (including family cover) are also transferred.
- Get income tax benefits on premiums paid under Section 80D of the Income Tax Act.
- This plan offers a free-look period of 15 days from the date of receipt of the policy document to review its terms and conditions. If dissatisfied, you have the option to cancel the policy, and the premium amount will be refunded.
Covered Critical Ailments
The covered critical ailments are:
- Cancer
- Stroke
- Open Chest CABG
- Kidney failure
- Organ transplant
- Bone marrow transplant
- Blindness
- Coma
- Major Burns
- Multiple Sclerosis
- Paralysis
- Heart attack
Note: The diseases mentioned above are limited to a certain set of conditions. For more information, refer to the Policy Wording on the Tata AIG website.
Plan Details
| Category | Details |
|---|---|
| Minimum Sum Assured | 2.5 lakhs |
| Maximum Sum Assured | 15 lakhs |
| Type of Coverage | Individual |
| No Claim Bonus | NA |
| Grace Period | 30 days for policy renewal |
| Policy Termination | 3 months before the policy expiry date |
Exclusions of Tata AIG Critical Illness Plan
The major exclusions of the Tata AIG Critical Illness Plan are:
- Mental illness or disorder treatment.
- A waiting period of 90 days after the commencement of the policy is applicable for claims processing.
- Any pre-existing illness or any complication associated with it.
- Self-inflicted injuries.
- Any critical illness resulting from a physical or mental condition that existed before the policy issue date.
- Any disease or illness other than the specified critical illnesses in the policy documents.
- Sexually transmitted diseases.
- HIV AIDS infections or Venereal diseases.
- Expenses related to maternity, childbirth, and pregnancy.
- Congenital abnormalities or disorders.
- Cosmetic surgeries and robotic surgeries.
- Accidental injuries due to war or nuclear invasions.
How to Contact Tata AIG Health Insurance
- Customer Care Number: 1800 266 7780
- Address: Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India.
How to Buy Tata AIG Critical Illness Plan
Tata AIG Health Insurance offers the option to directly buy the policy through the company’s website or purchase via PolicyX.com. Let’s look at both procedures in detail:
Buying 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 in the required details like your contact number and date of birth, then click on ‘See Plan’.
- Check the plans as per your needs, tap the ‘Buy’ button, and make the payment.
- Your policy document will be mailed to your registered email address.
Buying Through PolicyX.com
- Go to the top of this page and fill in the details in the ‘Calculate Tata AIG Health Insurance Premium’ form.
- From all the quotes, choose the desired Tata AIG health plan and click on ‘Buy Now’.
- Pay the premium, and your policy documents will be shared with you on your registered email.
Documents Required to Buy This Policy
- KYC documents
- One passport-size photograph
- Medical records
- Family medical history and current medical records
- Application form
