Tata AIG Group EMI Protect Plan
  • In-patient hospitalization
  • Critical illness cover
  • Personal accident cover
Tata AIG Group EMI Protect Plan
Network hospitals

Network hospitals

11000+

Claim settlement ratio

Claim settlement ratio

96.70%

Sum insured

Sum insured

Up to 3 Crores

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

3.9

Pan India Presence

Pan India Presence

221+

Customized Health Insurance Plan for you.

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Age of Eldest Member

Tata AIG Group EMI Protect Plan

Tata AIG Group EMI Protect policy is specially designed to offer insured members financial protection if they cannot work due to an accident or the diagnosis of a critical illness. Also, this policy provides worldwide coverage for in-patient hospitalisation, facilitating treatment and medical expenses in severe conditions.

It covers a specified number or amount of EMIs burdened on the insured after an accidental hospitalisation, in case of a critical illness diagnosis, etc.

You can enrol under the Tata AIG Group EMI Protect policy through your employer's reference, the premiums under which should be deducted from the employee's account. For more such details of this plan, read till the end of this article or check your policy wording thoroughly.

Tata AIG Group EMI Protect Plan Specifications

To understand Tata AIG Group EMI Protect Plan Insurance in detail, take a look at the below table:

Entry Age

18 Years

Policy Type

Critical Illness Health Insurance

Sum Insured

To be opted as per schedule

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Specifications of Tata AIG Group EMI Protect policy

Section B1: In-patient hospitalization

The insurer will pay an EMI based on hospitalization expenses related to an accident or injury that leads the policyholder to a 24-hour (or above) hospital admission.

Section B2: Critical illnesses

The following critical illnesses would be covered as per the specifications of your policy:

  • Cancer of specified severity
  • End-stage renal failure requiring dialysis
  • Major organ/bone marrow transplant
  • Open heart valve replacement/repair
  • Open chest coronary artery bypass graft
  • Myocardial infarction (first heart attack of specific severity)
  • Refractory heart failure
  • Cardiomyopathy
  • Stroke resulting in permanent symptoms
  • Permanent paralysis of limbs
  • Parkinson's disease
  • Primary (idiopathic) pulmonary hypertension
  • End-stage lung failure
  • Aplastic anemia
  • End-stage liver failure

Note: These critical illness benefits can be claimed only once for particular ones in a policy term. Also, the claim should be raised after 90 days of the first date from risk commencement. Also, PEDs won’t be covered, if not intentionally informed to the insurer.

Section B3: Personal accident

These are a category of personal accidents that you can claim under your Group EMI Protect policy:

  • Accidental death
  • Disappearance
  • Permanent total disability

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.

Tata AIG Group EMI Protect Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Tata AIG Group EMI Protect Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

How can I claim my Tata AIG Group EMI Protect policy?

  • Step 1

    Reach out to the TPA help desk and submit all the supporting documents like medical records, etc

  • Step 2

    The insurer will verify the pre-authorization form and approve the payable amount as per policy specifications

  • Step 3

    In the final step, the insurer will settle your medical bills directly with the respective hospital

  • Step 1

    If you're hospitalized in a non-network hospital, get the treatment and pay your medical bills upfront.

  • Step 2

    Fill out the reimbursement claim form carefully and attach all the medical records such as treatment papers, consultation charges, and other bills with hospital stamps on them.

  • Step 3

    Submit your claim form with attached documents within 30 days from the hospital discharge to the following address:

    Corporate Health claims Tata AIG General Insurance Company Limited, H.No 7-1-6-617/A, 5th and 6th Floor, Imperial Towers, Door No 615,616, Ameerpet, Hyderabad 500016, Telangana.

  • Step 4

    The insurer will review your claim and verify the respective details submitted by you

  • Step 5

    This is a crucial step. If your claim matches the policy's terms and conditions, they will credit a specified amount (a/c policy coverage) into your account. On the other hand, the claim may also be rejected if any details don't match your documents or you delay submitting the claim form.

Summary

Tata AIG Group EMI Protect is comprehensively designed for a group of people to benefit them against any EMIs, debts, loans, and so on in case of an unforeseen event or an injury that has led them to inability to earn their livelihood.

Want to know more? Reach out to our customer care executives at 1800 4200 269 for further details of the plan.

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

Accident Health Insurance

Have you considered staying prepared against adversity with the TATA AIG Accident Shield policy? Tata AIG Accident Shield policy is an additional laye...

Unique Features

  • Lifelong renewability
  • Children’s educational grant
  • 30 days grace period

TATA AIG Accident Shield Policy (Pros)

TATA AIG Accident Shield Policy
  • Accidental death
  • Permanent total disability
  • Permanent partial disability

TATA AIG Accident Shield Policy (Cons)

TATA AIG Accident Shield Policy
  • AIDS
  • Mental or nervous disorder
  • Alcoholism

TATA AIG Accident Shield Policy (Other Benefits)

TATA AIG Accident Shield Policy
  • Disappearance of the insured person
  • Child’s education aid
  • High SI

TATA AIG Accident Shield Policy (Eligibility Criteria)

TATA AIG Accident Shield Policy
  • Min entry age: 6 Months
  • Max Entry Age: 65 Years
  • Waiting Period: 30 Days
  • Sum Insured: N/A

Individual and Family Health Insurance

As per IRDAI's guidance, the Tata AIG Arogya Sanjeevani policy is an indemnity plan designed to offer a basic but comprehensive health insurance polic...

Unique Features

  • IRDAI-mandated policy
  • Covers AYUSH treatment
  • Family floater coverage

Tata AIG Arogya Sanjeevani Policy (Pros)

Tata AIG Arogya Sanjeevani Policy
  • Hospitalization cover
  • Accident cover
  • Ambulance cover

Tata AIG Arogya Sanjeevani Policy (Cons)

Tata AIG Arogya Sanjeevani Policy
  • Illegal acitivities
  • Drug abuse
  • Obesity

Tata AIG Arogya Sanjeevani Policy (Other Benefits)

Tata AIG Arogya Sanjeevani Policy
  • Oral chemotherapy
  • lmmunotherapy
  • Robotic surgeries

Tata AIG Arogya Sanjeevani Policy (Eligibility Criteria)

Tata AIG Arogya Sanjeevani Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 5 L

Critical Illness Health Insurance

Tata AIG Group EMI Protect policy is specially designed to offer insured members financial protection if they cannot work due to an accident or the di...

Unique Features

  • In-patient hospitalization
  • Critical illness cover
  • Personal accident cover

Tata AIG Group EMI Protect Plan (Pros)

Tata AIG Group EMI Protect Plan
  • In-patient hospitalization
  • Critical illness cover
  • Personal accident cover

Tata AIG Group EMI Protect Plan (Cons)

Tata AIG Group EMI Protect Plan
  • Alcoholism
  • Illegal activities
  • Obesity treatments

Tata AIG Group EMI Protect Plan (Other Benefits)

Tata AIG Group EMI Protect Plan
  • Cancer cover
  • Organ transplant
  • Heart cover

Tata AIG Group EMI Protect Plan (Eligibility Criteria)

Tata AIG Group EMI Protect Plan
  • Entry Age: 18 Years
  • SI: Opted as per schedule
  • Waiting Period: 30 Days
  • Plan Renewability: Lifelong

Individual and Family Health Insurance

Uncompromising commitment to care! Tata AIG MediCare Protect health insurance policy is specially designed to provide you with a robust healthcare fac...

Unique Features

  • Daycare treatment covered
  • Upto 5 Lakh coverage
  • Inclusion and exclusion

Tata AIG MediCare Protect (Pros)

Tata AIG MediCare Protect
  • Health check up covered
  • Ambulance charges covered
  • Compassionate travel

Tata AIG MediCare Protect (Cons)

Tata AIG MediCare Protect
  • Non-prescribed treatment for a condition
  • Suicide and self-inflicted injury
  • Adventure sports or life-threatening activities

Tata AIG MediCare Protect (Other Benefits)

Tata AIG MediCare Protect
  • Accidental death benefit
  • Upto 32% discount
  • 30 days of initial waiting period

Tata AIG MediCare Protect (Eligibility Criteria)

Tata AIG MediCare Protect
  • Min entry age: 91 Days
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 5 L

Accident Health Insurance

Why settle for less when it comes to your family's future protection? Buy the Tata AIG Secured Future health insurance policy that covers a medical em...

Unique Features

  • Accidental death cover
  • Financial protection benefit
  • PTD & dismemberment cover

Tata AIG Secured Future Plan (Pros)

Tata AIG Secured Future Plan
  • Income benefit
  • Accident cover
  • Disability cover

Tata AIG Secured Future Plan (Cons)

Tata AIG Secured Future Plan
  • Pre-existing diseases (PEDs)
  • STDs
  • Alcoholism

Tata AIG Secured Future Plan (Other Benefits)

Tata AIG Secured Future Plan
  • Individual plan
  • 1 year policy
  • Affordable premiums

Tata AIG Secured Future Plan (Eligibility Criteria)

Tata AIG Secured Future Plan
  • Min entry age: 18 Years
  • Max entry age: 70 Years
  • Initial Waiting Period: N/A
  • Sum Insured: Up to 35 K

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

Tata AIG Group EMI Protect Plan: FAQs

1. What is the Group EMI Protect plan of Tata AIG health insurance?

It provides you with extensive coverage benefits such as critical illness, worldwide in-patient hospitalization, and accidental death coverage.

2. Who should buy the Tata AIG Group EMI Protect policy?

Everyone should be covered under this policy, especially when you have a family history of critical illnesses, or your job includes an operational risk, or likewise.

3. Is maternity covered with the Tata AIG Group EMI Protect plan?

No, maternity and related expenses are excluded from the policy.

4. Can I get a refund for terminating my Tata AIG Group EMI Protect policy?

Yes, you’ll receive a refund amount (% specified as per policy term and other factors) based on the period of your policy cancellation (as per schedule). For more details, contact us at 1800-4200269.

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.