May They Live Long: Tata AIG Health Insurance for Parents
Securing your parent's future healthcare requirements with Tata AIG parents health insurance is the first promise that you should fulfil 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 hospitalisation (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.
Benefits of Tata AIG Health Insurance for Parents
Here's why you should invest in a good health insurance plan that covers your parents and provides them with comprehensive healthcare coverage:
Financial Security
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.
Saving Your Family Wealth
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.
Compensation Against Income Loss
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.
Peace of Mind
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.
Tax Benefits
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.
Eligibility Criteria for Buying Tata AIG Medical Insurance for Parents
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.
A comprehensive plan designed for global cover for planned hospitalisation and high-end diagnostics.
Unique Features
- Wellness Services
- Compassionate Travel
- Home Care Treatment
- Emergency Air Ambulance
- Restore Benefit
- Consumables Benefit
- Home Physiotherapy
- Wellness Program
- Injury due to Suicide Attempt
- Death due to Drugs
- Injuries Due to Breach of Law
- Injuries/Death due to Aviation
- STDs
Medicare Premier (Other Benefits)
- OPD Dental Treatment
- First-year Vaccinations
- In-Patient Treatment
- Delivery Complications Cover
- Second Opinion
Medicare Premier (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 5 L - 3 Crore
- Waiting Period - 30 Days
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
TATA AIG Secured Future Plan
A plan that covers accidental hospitalization and accidental paralysis and dismemberment.
Unique Features
- Accidental Death
- Permanent Total Disability
- Loss of Speech Cover
Secured Future Plan (Pros)
- Hearing in One Ear
- Congenital Anomaly
- Accidental Injury
- Pre-existing Disease
- Hernia Cover
Secured Future Plan (Cons)
- Injury due to Suicide Attempt
- Death due to Drugs
- Injuries Due to Breach of Law
- Injuries/Death due to Aviation
- STDs
Secured Future Plan (Other Benefits)
- Spouse Cover
- Easy Renewal
- Easy Portability
- Medical Advice Cover
- Hemiplegia Cover
Secured Future Plan (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 70 Years
- SI - NA
- Waiting Period - 30 Days
TATA Aig Saral Suraksha Bima
This is a simplified health insurance plan designed to provide affordable coverage and financial security to individuals.
Unique Features
- Dental Treatment
- Easy Renewal
- Minimal Documentation
TATA Aig Saral Suraksha Bima (Pros)
- Total Temporary Disablement
- Installment Premium Payment
- Cumulative Bonus
- Hospitalization Expenses
- 10% Education Grant
TATA Aig Saral Suraksha Bima (Cons)
- No Alcoholism Cover
- No War Injury Cover
- No Cataract Cover
- No Suicide Cover
- No STD Cover
TATA Aig Saral Suraksha Bima (Other Benefits)
- Partial Disablement Cover
- Total Disablement Cover
- Nursing Expenses Cover
- Prosthetic Cover
- ICU Cover
TATA Aig Saral Suraksha Bima (Eligibility Criteria)
- Entry Age - 18 Years
- Max Entry Age - 65 Years
- SI - 2.5 L to 5 cr
- Waiting Period - 30 Days
Inclusions of Tata AIG Health Insurance for Parents
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
Consumable cover benefits
Sum insured restoration benefit
Others, as specified in the policy document's coverage section/terms and conditions
Exclusions of Tata AIG Health Insurance for Parents
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
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
Parent Health Insurance Companies
How to Claim Tata AIG Medical Insurance for Parents
Below are the steps that you must follow for claim settlement of Tata AIG health insurance for parents:
- Step 1: Claim Intimation
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.
- Step 2: Document Submission
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
- A copy of the health policy documents where your parent's insured details are mentioned
- Parent's insurance/health card
- A photo ID proof and residential proof of your parents
- Undersigned CKYC form (if their claim value exceeds INR 1 lakh)
Documents to submit for reimbursement settlement
- A copy of the health policy documents where your parent's insured details are mentioned
- Parent's insurance/health card
- A photo ID proof and residential proof of your parents
- Undersigned CKYC form (if their claim value exceeds INR 1 lakh)
- A copy of your parent's hospital discharge summary/certificate
- Diagnostic test reports for proceeding with hospitalisation
- An undersigned medical certification of the expert/doctor
- Attachment of the hospital bills and pharmacy bills
- NEFT or banking details in which you can receive the amount of reimbursement
- Step 3: Approval Upon Verification
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.
- Step 4: Cashless or Reimbursement Settlement
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/hospitalisation according to the terms of policy coverage (for reimbursement claim settlement).
Final Thoughts
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.
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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.
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Tata AIG Health Insurance for Paents: FAQ's
1. Is it possible to include my parents in my pre-existing health policy?
Yes. If you already have a family floater plan that allows you to add your parents under the same policy.
2. Does Tata AIG Offer the best health insurance plan for parents in India?
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.
4. Who is eligible for medical insurance for parents?
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.
