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Overview
Why settle for less when it comes to your family's future protection? Buy the Tata AIG Secured Future health insurance policy that covers medical emergencies arising from accidents. Earning members of a family can purchase this policy on an annual cover basis. Additionally, you get the freedom to select your monthly income benefit, ranging from ₹10,000 to ₹35,000, for a period of 5 to 20 years, which will cover your family's monthly expenditure. This benefit can be availed in the event of the insured's death, permanent total disability, paralysis, or dismemberment. The sum insured options must be chosen while buying the policy, and the limit of which (sum assured) can be enhanced at the time of renewal. Read further for more details related to the Tata AIG Secured Future plan's eligibility criteria, benefits, coverage specifications, and exclusions.Benefits of the Tata AIG Secured Future Plan
This policy has much to offer. Some of the benefits are mentioned here:
| Specifications of the Plan | How Will It Benefit You? |
|---|---|
| Accidental Death | If an insured member meets with an accident leading to loss of life or a life-threatening injury which further contributes to their death within 365 days of the same accident, the insurer will pay 100% of the sum insured. |
| Accidental Dismemberment | In a situation of permanent dismemberment and/or paralysis caused by an accidental injury within 365 days of the accident, the insured will receive up to 100% of the sum insured. This covers conditions like the loss of both hands or feet, loss of both eyes, speech or hearing impairment, etc. |
| Permanent Total Disability | If the policyholder has met with an accident that led to a permanent disability of multiple body parts, causing them the inability to work or earn their livelihood, the insurer will pay up to 100% of the sum insured. |
Eligibility Criteria for Buying the Tata AIG Secured Future Plan
| Eligibility Criteria | Specifications |
|---|---|
| Entry Age | 18 to 70 Years |
| Sum Insured Benefit | As per policy schedule (can choose monthly income benefits from ₹10,000 - ₹35,000 for 5-20 years) |
| Plan Type | Individual (for earning members only) |
| Policy Period | 1 year |
| Initial Waiting Period | Not applicable |
Exclusions
Permanent diseases or health conditions that are not included under the Tata AIG Secured Future Plan are:
- Hospitalization due to war, riot, strike, and nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
Claim Procedures: Tata AIG Secured Future Insurance Plan
Cashless Claims (Network Hospitals)
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Step 1: Notify Hospital TPA
Reach out to the hospital TPA and submit all supporting documents like medical records and other required paperwork.
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Step 2: Insurer Verification and Approval
The claim will be verified and approved by the insurer, after which they will offer a specified payable amount.
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Step 3: Direct Settlement
For the final step, the insurer will settle your medical bills directly with the respective hospital.
Reimbursement Claims (Non-Network Hospitals)
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Step 1: Receive Treatment and Pay Bills
Receive the treatment and pay your medical bills from your pocket.
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Step 2: Fill Claim Form and Attach Documents
Fill out the reimbursement claim form carefully and attach all medical records like expenses of treatment, consultations, and other hospital receipts.
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Step 3: Submit Documents
The policyholder must submit the claim form with attached documents within 30 days from discharge to the address mentioned below:
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: Claim Review and Verification
Your claim will be reviewed, and the respective details you've submitted will be verified by the insurer.
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Step 5: Reimbursement or Rejection
After this step, if your claim matches the policy's terms and conditions, the insurer will reimburse the medical expenses as per policy coverage. Conversely, if your claim and coverage details do not match your documents, or if you delay submitting the claim form, the claim may be rejected.
Wrapping It Up!
To save you and your loved ones from any accident-related mishaps, Tata AIG brings you the most comprehensive health policy with the Tata AIG Secured Future Plan. If you need any help understanding this health insurance plan, reach out to us at 1800 4200 269.
