Tata AIG Health Plans for Parents
- Parents health insurance
- Why buy parent’s insurance?
- Claim process of Tata AIG
Securing your parent’s future healthcare requirements with Tata AIG parent’s health insurance is the first promise that you should fulfill for them. Health insurance does not only protect them from any discrepancy but also secures their finances. No matter where you live, or how often you can visit your parents (if you’re living in a different city/country), your parents are always taken care of their medical needs.
Tata AIG health insurance for parents comes under the family floater plan that offers medical assistance with all kinds of hospitalization (pre and post, domiciliary, in-patient, outpatient), daycare procedures, preventive/annual health check-ups, and much more. Read further about why you should buy Tata AIG health insurance for parents, what are the eligibility criteria, and what are the inclusions and exclusions of the plan.
Here’s why you should invest in a good health insurance plan that covers your parents and provides them with comprehensive healthcare coverage:
In case of a medical emergency, you or your parents do not need to worry about spending too much on hefty medical bills. The insurance company takes care of all the expenses related to medical emergencies, treatment, etc.
With a health insurance policy that covers each family member under the same roof, you can rest assured of other miscellaneous expenses. Rather than worrying about the huge medical bills, you or the family member who needs medical care can focus on healing and recovery.
If you have covered your parents under family health insurance (for those below the age of 60), they can get a worry-free retirement. The chance of losing their income on medical expenses won’t harass their mental peace, as they are secured with all the medical assistance needed in their golden years.
It’s a matter of peace for you as it does not matter whether you live with your parents or live abroad, they are always covered with a health insurance policy. So, it becomes convenient for them to receive medical support against any emergencies, at a networking hospital without paying anything from their account.
With the health insurance policy for your family and parents, you can avail of a tax benefit on the payable taxes under Section 80D of the Income Tax Act of 1961.
Before buying health insurance for your parents, it’s important to know about the eligibility criteria, which are mentioned below:
| Entry age (Min-Max) | Below 60 years (Beyond 60 years of age, you need to buy them a senior citizen health policy, and there’s no maximum age limit for the same) |
| Policyholder’s age | 18 years |
| Pre-existing conditions | Covered after a specific waiting period |
The maximum entry age may vary from plan to plan. The accurate eligibility criteria are subject to your policy document.
Tata AIG health insurance for parents covers various benefits related to healthcare or medical emergency, that may vary from one plan to the other.
Some of the common inclusions are as follows:
Covers hospitalisation expenses
Pre and post-hospitalisation
Daycare procedures
Major surgery expenses
AYUSH treatment cover
Health check-ups
Domiciliary treatment
Renewability
Consumable cover benefits
Room rent
Sum insured restoration benefit
Others, as specified in the policy document’s coverage section/terms and conditions
There are multiple plans of Tata AIG health insurance for parents, and exclusions may vary from one plan to another. Check here some of the standard exclusions (what’s not covered) under the Tata AIG Health Insurance:
Cosmetic/facial or body surgery/ treatment for beautification, etc
HIV/AIDS, and STD
An attempt to commit suicide or self-threatening activities
Diagnostic tests or preventive check-ups (except, those specified in your policy document)
Rehabilitation care, long time nursing and care-taking
Warfare injuries, any participation in riots/war-like situations
Hearing impairment aids (unless specified in your policy schedule)
Vision and dental care, physiotherapy treatment, etc (except, conditions mentioned in the policy) plus non-medical items that are not listed in the policy’s document
Others, you must check out the detailed exclusions in your policy documents
Below are the steps that you must follow for claim settlement of Tata AIG health insurance for parents:
You should inform the insurer about your parent’s hospitalisation or medical condition. In case of planned hospital admission, inform 24 hours before going to the hospital. However, in an emergency, intimate the insurer within 24 hours of hospitalisation.
Fill in the claim form carefully, and submit it along with the following documents to your insurer. Read down to know which documents are required to be submitted along with the claim intimation form.
Documents to submit for cashless treatment
Documents to submit for reimbursement settlement
With this step, your insurer will verify the authenticity of the claim made for your parent’s healthcare/treatment, and then proceed with claim settlement initiation.
After confirmation with the hospital administration, the insurer will settle all the medical bills directly with the hospital (for cashless treatment at networking hospital). You need to pay the treatment bills upfront and the insurer will transfer the amount that you have spent on treatment/hospitalization according to the terms of policy coverage (for reimbursement claim settlement).
Gifting your parents a good health insurance policy is a much-needed act in today’s world of healthcare cost inflation. Sometimes, it becomes tough to choose which health policy to buy for parents. Tata AIG health insurance company offers some of the best parent’s health insurance, you can check out such plans on this page above.
If you have a query related to health insurance policy for parents, dial 1800 4200 269 to talk to our customer care executives.
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.
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Know More About Health Insurance Companies
Yes. If you already have a family floater plan that allows you to add your parents under the same policy.
Tata AIG Health Insurance Company has several health plans that provide coverage for your parents. To know more about Tata AIG parent’s health insurance, call our experts at 1800 4200 269.
Yes, any family members including your parents can be added under the family floater health insurance policy.
If your parents have not turned 60, you can easily buy a routine health policy that covers them. If they already have crossed 60 years of age, buying senior citizen health insurance would be a better option to provide them with wide coverage benefits as per their age-related health issues.
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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.
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