Tata AIG Health Insurance FAQs

Yes, you can track/submit your claim online by providing the policy number and the claim registration number.

The documents required for claim submission includes claim form duly signed, medicine bills, hospital bills, physician reports, test reports, operation theater notes, and discharge summary.

If the due procedure is followed and all the documents are submitted, the company pays off the claims within 30 days of submission.

Yes, you can avail cashless hospitalisation at 3000+ network hospitals.

Yes, in case of doubt regarding the diagnosis you can anytime avail the facility of second opinion under TATA AIG Critical Illness Policy. It is all covered.

Yes, at the time of renewal with the feature of "Sum Insured Enhancement" you can increase your coverage amount.

No, any injury or accident while being involved in adventure sports is not covered under critical illness policy.

Yes, if you are not happy with your existing policy, you can easily port your policy and enjoy the accrued benefits.

TATA AIG Wellsurance Woman policy provides critical illness cover with higher cancer cover.

Some of the health insurance plans offered by Tata AIG for family are-Mediraksha, Wellsurance Family, MediPlus – Top-up Medical Health Insurance Plan, and MediCare Premier Health Insurance.

Yes, you can get coverage for yourself and your family under the same health insurance policy for a family even if you are living in different cities in India. Just ensure that the network hospitals are available in both the cities to keep the process of the cashless claim at ease.

Family floater health insurance plans by Tata AIG covers all the family members (self, spouse, and children) for one Sum Insured under a single policy. A few plans that it provides also cover dependent parents.

Registered users can login to the portal with their user name and password to check the policy status.

Follow the steps given below to renew your TATA AIG Health Insurance Policy: a)Enter your Policy Number, Expiry Date and Client ID into Renew Online Portal b)Calculate the premium c)Select the premium option-Net Banking or Credit/Debit Card. d)Save/print the premium deposit receipt. Alternatively, you can even pay via cash/cheque at any nearest branch.

Submit your policy with surrender form to your nearest branch. The refund will be directly credited into your account and the policy will stand cancelled upon successful completion of the documentation.

TATA AIG Health Insurance had a Claim Settlement Ratio of 76.04% in the financial year 2019-20.

You can buy and apply for any TATA AIG Health Insurance Policy online from the official website of TATA AIG Health Insurance at www.tataaig.com or through online broker’s website like insurancedekho.com.

No, cosmetic surgeries are excluded from the coverage in individual health insurance policies.

If you want to cancel your health insurance policy before the end date, your insurance will cease to exist. As per the policy terms, you will get a part of your premium refunded. This will vary from plan to plan.

The premium for individual health insurance depends on the age of the person to be insured and the amount of coverage that he requires. Other factors include coverage for pre-existing diseases, health conditions and so on.

Health insurance plans for individual cover a person only. It reimburses the expenses for hospitalisation and medical expenses arising from treatment of an illness or injury as mentioned in the policy document.

The pre-existing illness under TATA AIG kids policy is covered after a waiting period of 4 years.

The eligibility for children under TATA AIG's policy is 6 months to 18 years (23 years in case studying for higher education).

Yes, you can avail cashless hospitalisation at 3000+ network hospitals.

Yes, Tata AIG provides maternity benefits under its health insurance plans.

Yes, you can buy such health insurance plans online.

TATA AIG's plans for parents cover pre-existing diseases after a waiting period of 4 years since the commencement of the policy.

Yes, the plan for parents such as MediSenior covers about 140 daycare procedures.

TATA AIG's plan for parents provide value-added services in the form of free services on insurer's health portal, you can seek health-related queries and avail health and wellness discounts.

The documents required for portability include portability form, documents of existing policy, policy renewal documents, and in case of no claim self-declaration by policyholder and in case of claim all documents pertaining to claim.

No, when you port your existing policy to another policy, the accrued benefits like waiting period and time bound exclusions get transferred.

The premium for individual health insurance depends on the age of the person to be insured and the amount of coverage that he requires. Other factors include coverage for pre-existing diseases, health conditions and so on.

Factors such as family status, individual age, health condition, type of policy, add-ons, rider, etc. decide the premium.

Insurance is a contract between the insurer and the insured. The agent can only facilitate the process of depositing the cheque or cash but cannot issue the receipt for the same.

You can visit the official website of Tata AIG (www.tataaig.com) and click on the Get Quote tab after filling in your personal details to get an idea of the premium amount. You can also visit the health insurance broker’s website like www.insurancedekho.com to get the best price.

Senior citizen health insurance covers the hospitalisation/medical needs of the elder persons. Such plans are available with conditions and exclusions.

Tata AIG has a plan specifically designed for elder citizens by the name of-MediSenior – Senior Citizen Health Insurance Plan.

Yes, daycare treatments covered under senior citizens health insurance policy by Tata AIG.

Yes, the health insurance plan for senior citizens cover expenses for treatment at home.

For pre-existing diseases the waiting period under top-up plan is 48 months and for specified illnesses it is 24 months.

Yes, the top-up plan can be renewed lifelong.

The exclusions under top-up plan includes:

• Injuries or illnesses due to war
• Congenital diseases
• General dental treatments
• Cosmetic surgeries
• Non-allopathic treatments

The deductible amount available under TATA AIG MediPlus top-up plan is Rs. 1 Lakh to Rs. 5 Lakh.

TATA AIG Wellsurance Woman policy provides critical illness cover with higher cancer cover.

Yes, under TATA AIG's woman policy the cosmetic reconstructive surgery benefit is payable in lump sum.

The minimum entry age for TATA AIG's Wellsurance Woman policy is 18 years and maximum entry age is 65 years. There is a life-long renewability option under this plan.