Tata AIG Health Insurance

• Sum Insured - When policyholders choose for a high sum insured amount, the insurer has to offer a higher coverage to them. Therefore, a higher premium amount is charged for a higher sum insured.
• Age - The premium of a health insurance policy generally increases with the age of the policyholders. This is because, at a higher age, people are more vulnerable of contracting diseases rather than early stages of life. Hence, the age of the policyholder influences the amount of premium of health insurance plans.
• Body Mass Index (BMI) - People with abnormal Body Mass Index (BMI) hold higher chances to contract a disease or illness such as diabetes, hypertension, etc. It enhances the possibility that insurers will have to meet claims for their medical expenses. Hence, policyholders with higher or lower BMIs have to pay a relatively higher premium compared to policyholders with normal BMIs.
• Bad Habits - Policyholders who smoke, drink, chew or consume alcohol, tobacco or any other harmful substance are more likely to get diseases and thus, a higher premium is charged to them for health insurance plans.
• Family Medical History - The presence of medical history of the family relating to specific illnesses or diseases such as cancer, cardiovascular diseases, diabetes etc increases his or her chances of getting suffered to such illnesses sometimes in future. Thus, a family's medical history is a determinant of the premium amount of a health insurance premium.

Buy TATA AIG Health Insurance Plan Online at InsuranceDekho

Buy TATA AIG Health Insurance Plan Offline at InsuranceDekho

The Covid-19 pandemic showed us the importance of having good health insurance plans as it is not just lethal but also expensive. With a great medical insurance policy, you can easily get treatment in case you are diagnosed with COVID-19. However, you will have to go through a 30-day waiting period for coverage after which they can get the compensation for an inpatient treatment which comprise room rent, ICU charges, consultation charges, diagnostic tests, medicines, etc, up to a specified sum insured.

The Tata AIG provides various benefits that make it a suitable choice for health insurance requirements. Here are some of the advantages of owning a Tata AIG health insurance:

1. Cashless Hospitalisation - Tata AIG gives you access to a network of 7,200+ hospitals across the country that help you get cashless hospitalisation in case of any emergency. In such cases, the insurer directly pays for your expenses to the hospital.
2. Round The Clock Assistance – The insurance company offers 24x7 customer assistance so they can get in touch without the team anytime with an emergency to find an appropriate solution for their query.
3. High Claim Settlement Ratio – With a health insurance claim settlement ratio of 94.43% during the financial year 2020-2021, it is quite beneficial to be associated with Tata AIG to get your claim settled without any hassle.
4. Paperless Facilities - With the advanced digital facilities, Tata AIG offers you insurance products that you can choose, compare, and buy by paying the premiums online at a click. It helps you to make policy purchases, renewals, premium payments, claim filling, etc, anytime from anywhere.
5. Range of Discounts - Tata AIG health insurance apart from providing discounts also offers discounts for different purposes such as opting for a long term policy, family floater health insurance plan, and so on.

1. TATA AIG MediCare Health Insurance Plan: TATA AIG Medicare is a simplified and comprehensive health insurance plan. In addition to providing for in-patient, pre and post hospitalisation incurred in India, the plan also provides cover for medical expenses related to inpatient and daycare hospitalisation of the insured person incurred outside India, provided that the diagnosis was made in India. The TATA AIG Medicare Health Insurance plan also covers expenses incurred for Bariatric surgery for treatment of obesity and weight control. The plan also comes with a vaccination cover and compassionate travel cover which provides for expenses up to rs. 20,000 related to a round trip economy class air ticket, or first-class railway ticket, to allow the immediate family member to be at the insured person's bedside during his stay in the hospital.

2. TATA AIG MediPlus Health Insurance Plan (DISCONTINUED): It is a top-up plan which provides extra coverage in times of medical emergencies for relaxed carefree life. The TATA AIG Mediplus top-up plan acts as a security umbrella that buffers the policyholder and their loved ones against any unforeseen medical situations. It covers everyone from a 91-day-old baby to those who are 65 years old. A maximum of 7 people can be covered under this top-up plan. The plan covers expenses incurred for in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, organ transplant, day care procedures, dental treatments and domiciliary treatment. The key features of this plan include hassle-free claim process, easy portability, lifelong renewal as well as ambulance charges coverage of up to Rs. 2,000.

3. TATA AIG MediSenior Health Insurance Plan (DISCONTINUED): It is a senior citizen health insurance plan which aims to ensure that the policyholder and their spouse have the right medical treatment and financial backup. This plan provides coverage for organ donation expenses, medical treatments availed at home, in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, and day care procedures. The policy also covers ambulance charges up to Rs. 2,000 per hospitalisation. You can renew the TATA AIG Medisenior policy lifelong and even increase your sum assured while enjoying hassle-free claim settlement.

4. TATA AIG Critical illness Health Insurance Policy: This plan provides insurance coverage for 11 critical illnesses namely Heart attack, Cancer, Stroke, Open chest CABG, Kidney failure, Organ transplant, Bone marrow transplant, Blindness, Coma, Major burns, Multiple Sclerosis, and Paralysis. This plan also covers the expenses incurred in getting a second opinion regarding the critical illness from a doctor or a hospital. This plan also allows you to increase your coverage amount with its ‘Sum Insured Enhancement’ feature. A notable feature of the plan is that the entire coverage amount is given in a lump-sum.

5. TATA AIG Wellsurace Woman Health Insurance Plan: This is a women-centric health insurance plan that takes care of everything for you, from a simple illness to a critical emergency. The TATA AIG Wellsurace Woman Health Insurance plan provides critical illness benefits, in-hospital benefits for accidents, in-hospital benefits for sickness, intensive care unit benefits as well as convalescence benefits. The plan also provides coverage for ambulance charges, icu charges for 15 days, cosmetic reconstruction surgery along with value-added facilities like free health line, health portal, health query, discounted services for the health and wellness and e-news letter.

A health insurance top-up plan is like a regular health insurance policy that offers compensation against the medical expenses only after the threshold limit, known as deductible, of your existing policy gets over. It is an economical way to enhance health insurance coverage instead of buying another health insurance plan. A top-up plan can be availed only after the deductible amount gets exhausted. All claims are treated individually under a top-up plan cover and multiple claims under the same policy period do not get aggregated.

• 3,000+ Cashless Hospitals - The insurer has tie-ups with more than 4,300 hospitals in its network where its policyholders can easily get cashless treatment. The wide strength of the cashless hospital network ensures easy and hassle-free cashless claim settlements.
• Experience of Nearly 20 Years: TATA AIG General Insurance is a well-known name in the insurance industry. The insurer has maintained his presence in the segment for nearly 2 decades now. With its great service and products, the insurance company has been able to win the trust of millions of customers.
• Good Claim Settlement Ratio: The insurer registered a good claim settlement ratio of 76.04% for its health insurance claims in FY 2019-20.

• No Co-Payment: Co-payment refers to the share of the policyholder in the claim amount. The health insurance plans offered by TATA AIG do not have a co-pay component in them, thus policyholders are relieved from this liability.
• Sum Insured Restoration Benefits: In the case of medical emergencies, the sum insured of the TATA AIG health insurance plans can be restored after it gets exhausted. It is offered by the insurance company for all of its plans.
• LifeLong Renewal: Under the TATA AIG health insurance plans, no limit is placed as maximum age at the time of renewal of the policy. Thus, a policy enjoys lifelong renewability benefit with TATA AIG health insurance plans.
• Tax Benefits: Premiums paid under the TATA AIG health insurance plan are exempted from the taxes under section 80D of the Income Tax Act. You can claim a tax benefit of up Rs. 25,000 on health insurance policies that you bought for yourself, your spouse and kids, while for insurance plans that you purchase for your parents of over 60 years, you can get the tax benefit of Rs. 50,000 per year.
• Consumables Benefits: The Tata AIG insurance plans give coverage for the cost of consumables that you actually need during your hospitalisation that are directly related to a covered medical treatment.

The network hospitals are the clinics, hospitals, or healthcare facilities associated with a health insurance provider. The policyholders of the insurers can avail cashless treatment at these network hospitals. In case of a cashless claim, the insurance provider pays the medical expenses of the insured person or policyholder directly to the network hospital after detailed verification. The TATA AIG Health Insurance has over 3,000 hospitals in its network.

Cashless Claim Process of TATA AIG Health Insurance

How to Make a TATA AIG Health Insurance Reimbursement Claim?

• Duly completed claim form
• Original bills, receipt and discharge certificate from the hospital
• Original cash memos from hospital or chemists with proper prescriptions
• Original receipt and pathological test reports with proper prescriptions
• Surgeon’s report stating nature of operation performed with original bill and receipt
• Attending doctor’s or specialist’s original bill and receipt with the report of diagnosis
• Medical history or summary of the insured individual
• Original bills & receipts for claiming ambulance charges