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TATA AIG HEALTH INSURANCE

Tata AIG medical insurance allows you to live a carefree life by being sufficiently prepared for unexpected circumstances and rising healthcare costs. It provides simplified comprehensive policies for individuals, families, senior citizens and women.

  • Lifelong renewability.
  • Incurred claim ratio of over 60%.
  • 96% claim settlement ratio.

Tata AIG health insurance from "Tata AIG General Insurance Company" serves millions across the country through its 3,000+ strong cashless hospital network and 24x7 claim assistance services.

 

Must-Know Facts: TATA AIG Health Insurance

  • Insurance coverage amount or sum assured or sum insured: The maximum amount payable in the event of any insurance claim. Your premium will depend on the coverage amount you choose.
  • Deductible:It is the loss borne by the insured after which the insurance policy kicks in. It can be a specific amount or a % of the claim. Bigger the deductible, lower is your premium.
  • Floater policy: Issued with a single sum insured and covers several individuals. Any of your family members can use it. 
  • Critical illness insurance policy: It's a policy for any severe and possibly terminal diseases strictly defined by the insurance company. Most critical illness covers provide lump-sum benefits in case the policyholder is diagnosed from any one of the specified conditions.
  • Disability insurance: Pays a monthly amount to the insured when he/she suffers from total or partial disability due to illness/injury affecting the capacity to work and earn.
  • Overseas mediclaim policy (OMP): Issued to individuals who are travelling abroad for business, pleasure and educational purposes.
  • Personal accident policies are fixed benefit policies where particular sums are paid on the occurrence of events such as disability or death.
  • Insurance exclusions: Types-permanent and first-year exclusions.Diseases, conditions and situations where your healthcare expenses are not covered.
  • Cashless claim: As an insured, you can claim without paying cash for healthcare assistance at any of the specified network hospitals.
  • Cumulative bonus: Instead of an upfront discount, your insurance provider adds more benefits for the same premium payment.
  • Loading is the amount any insurance provider adds to you renewal premium in case you made any claims in the previous year.
  • No-claim bonus: It is a discount on your basicpremium if you go through a claim-free year. It gets accumulated with every year you don't make a claim.

 

Features & Advantages: TATA Health Insurance Policy

  • Sum insured enhancement option is available.
  • Zero sub-limits on inpatient treatment, daycare, domiciliary treatment and organ donor expenses.
  • Tax benefit under section 80D.
  • 30 days grace period; however, no coverage is provided for the period where the premium is not paid.
  • Free-look-in period of 15 days.
  • Option to migrate or transfer to other insurance providers.

 

TATA AIG Medical Insurance Plans& Policies

1]Tata AIG Medicare

  • Covers pre-hospitalisation (60 days before the date of admission to the hospital) and post-hospitalisation expenses (90 days after the date of discharge).
  • Expenses for hospitalisation due to diseases, illnesses and injuries during the insurance policy period that requires an insured individual's admission in a hospital as an inpatient.
  • Healthcare expenses related to inpatient and daycare hospitalisation of the insured incurred outside India (the diagnosis must have been made in India).
  • Expenses incurred for consumables during the period of hospitalisation directly related to the insured person's medical/surgical treatment of illness/disease/injury.
  • Pays for 540+ daycare treatment expenses due to diseases, illnesses or injuries during the policy period taken at a hospital or any daycare centre.
  • Accidental death benefits (optional cover): 100% of the sum insured in the event of the death of insured due to accident (not applicable for dependent children).

 

2]TATA AIG Medicare Premier

  • Covers pre-hospitalisation (60 days before the date of admission to the hospital) and post-hospitalisation expenses (90 days after the date of discharge).
  • Expenses for hospitalisation due to diseases, illnesses and injuries during the insurance policy period that requires an insured individual's admission in a hospital as an inpatient.
  • Healthcare expenses related to inpatient and daycare hospitalisation of the insured incurred outside India (the diagnosis must have been made in India).
  • Expenses incurred for consumables during the period of hospitalisation directly related to the insured person's medical/surgical treatment of illness/disease/injury.
  • Pays for 540+ daycare treatment expenses due to diseases, illnesses or injuries during the policy period taken at a hospital or any daycare centre.
  • Accidental death benefit: 100% of the sum insured in the event of the death of insured due to accident (not applicable for dependent children).
  • Covers the insured for listed diagnostic tests on OPD basis, if necessary, as part of treatment subject to 25,000 rupees/policy year.
  • Expenses for ambulance transportation by aeroplane/helicopter for emergency life-threatening health conditions (up to 5 lakh rupees). 

 

3] Tata AIG Medicare Protect

  • Covers pre-hospitalisation (30 days before the date of admission to the hospital) and post-hospitalisation expenses (60 days after the date of discharge). 
  • Expenses for hospitalisation due to diseases, illnesses and injuries during the insurance policy period that requires an insured individual's admission in a hospital as an inpatient. 
  • Expenses incurred for consumables during the period of hospitalisation directly related to the insured person's medical/surgical treatment of illness/disease/injury.
  • Pays for 540+ daycare treatment expenses due to diseases, illnesses or injuries during the policy period taken at a hospital or any daycare centre.
  • Accidental death benefit (optional): 100% of the sum insured in the event of the death of insured due to accident (not applicable for dependent children).
  • Expenses (up to 1,000 rupees/hospitalisation)on transportation of insured individual in an ambulance in case of an emergency or from one hospital to another.

 

4] Wellsurance Executive Policy

  • Provides specified hospitalisation benefit if the insured person is hospitalised for the treatment of injury or sickness.
  • Also pays lump-sum amount after hospitalisation for the following circumstances- postoperative physiotherapy (minimum of 2 visits), chemotherapy and/or radiation (minimum of 3 visits) and kidney dialysis (payable once during the lifetime).
  • Facilities include free health line, health portal, health query, discounted services for the health/wellness and e-newsletter.

 

5] MediSenior: Senior Citizen Health Insurance Plan

  • Ensures you and your spouse get the best healthcare treatment and financial backup.
  • Covers pre-hospitalisation (30 days before the date of admission to the hospital) and post-hospitalisation expenses (60 days after the date of discharge).
  • Inpatient treatment, hospitalisation expenses such as room rent, ICU, nursing, medicines, drugs, and consumables are covered.
  • Kidney and other organ transplant expenses are also covered.
  • Up to 140 days for care procedures without hospitalisation.
  • The option of treatment at home if you or your spouse need it during an emergency.
  • Ambulance charges up to 2,000 rupees/hospitalisation.

 

6] Wellsurance Woman Policy

  • Takes care of simple illnesses and critical emergencies.
  • Covers ICU charges for 15 days.
  • Pays a specified amount for the surgery/reconstructive procedure (on structures of the body for the restoring/improving bodily function or correcting significant deformity).
  • Pays ambulance charges up to the specified amount for bringing the insured to the hospital following an accident and returning to the regular place of residence after being discharged.
  • Facilities include free health line, health portal, health query, discounted services for the health/wellness and e-newsletter.

 

7] MediPlus: Top-up Medical Health Insurance Plan

  • The top-up plan acts as a security umbrella that buffers you and your loved ones against unforeseen medical situations.
  • Covers a 91-day-old baby to 65 years old adult.
  • Pre-hospitalisation (60 days before the date of admission to the hospital) and post-hospitalisation expenses (90 days after the date of discharge).
  • Also covers costs of room rent, ICU, nursing, medicines, drugs and consumables.
  • Inpatient expenses incurred by the organ donor while harvesting the organ + the costs incurred by the recipient are also covered.
  • Up to 140 days for care procedures without hospitalisation.
  • Any dental treatments due to accidents/illnesses.

 

8] MediRaksha: Affordable Health Insurance

  • Extends coverage to seven family members- you, your spouse, parents, and three children.
  • Covers pre-hospitalisation (30 days before the date of admission to the hospital) and post-hospitalisation expenses (60 days after the date of discharge).
  • Covers the costs of hospitalisation due to illnesses or accidents, room rent, ICU, nursing, medicines, drugs and consumables.
  • Up to 144 days-daycare procedure expenses are also covered.
  • Costs of an organ transplant–for the organ receiver and the donor in the harvesting stage.
  • No medical tests until the age of 55.

 

9] Wellsurance Family Policy

  • A single policy to cover your child’s education and parents’ medical expenses.
  • Pays a daily benefit for every day you are an inpatient in a hospital within India due to illness/disease/sickness subject to the deductible shown in the policy schedule and a waiting period of 90 days.
  • A lump-sum payment is provided if the insured person is diagnosed as suffering from the specified critical illness for the first time during the policy period.
  • Also, pays a daily benefit for each day you are an inpatient in a hospital within India due to injury/accidents subject to the deductible shown in the policy schedule.
  • Pays ambulance charges up to the specified amount for bringing the insured to the hospital following an accident and returning to the regular place of residence after being discharged.
  • Facilities include free health line, health portal, health query, discounted services for the health/wellness and e-newsletter.

 

10] Critical Illness Policy

  • Covers critical ailments such as heart attack, cancer, stroke, open chest, kidney failure, organ/bone marrow transplant, blindness, coma, major burns, multiple sclerosis and paralysis.
  • Option to increase the coverage amount with "Sum Insured Enhancement" feature.
  • Get the entire coverage amount in a lump-sum.

 

Some Exclusions of TATA AIG Health Insurance Plans

  • Plastic/cosmetic surgery unless necessary as a part of medical treatment certified by the attending practitioner for reconstruction following an accident, cancer or burns.
  • Admission primarily for diagnostic/evaluation purposes only.
  • Venereal disease, sexually transmitted diseases and illnesses.
  • Hospitalisation purely for enteral feedings, other nutritional and electrolyte supplements (unless certified to be required by the attending practitioner as a direct consequence of an otherwise covered claim).
  • The pre-existing condition waiting period is 4 years from the date of policy inception.
  • Critical illnesses-signs or symptoms of which first occurred before or within the waiting period of 90 days.
  • Drug or alcohol abuse.
  • Self-inflicted injuries or illnesses.
  • Conditions related to HIV/AIDS.

 

Note: Please refer to detailed insurance product brochures for policy/plans-specific exclusions.

 

TATA AIG Health Insurance Premium

Tata health insurance premiumis based on factors such as your age, medical history, lifestyle habits, the sum insured and type of cover you choose. 

One can compare policies and plans by visiting Tata AIG's official website. Alternatively, you may use established online insurance comparison portals such as www.Quickinsure.com to explore quotations, simplify and speed up the process of buying medical insurance.

 

TATA AIG Health Insurance Renewal & Purchase

One can apply for/renew a health insurance policy by viewing and comparing quotes online through insurance comparison platforms such as www.Quickinsure.com.

                                                      

TATA AIG Health Insurance Review

Tata AIG medical insurance is a reliable name for all your healthcare needs and the appropriate protection against skyrocketing costs in India. It offers not only adequate individual or family health covers at reasonable prices but also ensures quick and hassle-free claims settlement.

 

TATA AIG Health Insurance Policy: FAQs

Q: I already have life insurance. Do I need a health insurance policy?

Life insurance does not help you in paying rising medical bills. A health insurance cover protects you against unexpected health-related costs, enables you to deal with hospitalisation and takes care of your expenses.

Q: How can I avoid being underinsured?

By making a careful assessment of your needs, opting for an adequate sum insured, going through the exclusions/conditions thoroughly and seeking help from professional comparison portals such as www.Quickinsure.com.

Q: What are the premium payment modes available with Tata AIG?

Online payment or cash payment at a branch.

Q: How long does it usually take for claim settlement with Tata AIG?

Generally, within 7 working days after the successful completion of formalities.

 

Disclaimer: The information shared is purely indicative. Please refer to the policy wordings for most up-to-date and precise details.