Health Insurance You Can Trust
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Health Insurance
Health insurance is a financial tool that covers medical and surgical expenses related to illness, injuries, pregnancy, hospitalisation, ambulance, and more.
With features like cashless claims, worldwide coverage and customisable add-ons, our health insurance plans ensure you get the care you need without financial stress. The right health insurance policy helps lift the financial burden of all medical expenses so that the insured person can get the best medical care on time.
What is Health Insurance?
Health insurance in India, often referred to as a medical insurance policy, provides financial protection against unexpected medical expenses. It can cover hospitalisation expenses, pre- and post-hospitalisation expenses, pre-existing illnesses, critical illnesses, daycare procedures, AYUSH treatment and more.
In addition to coverage for medical expenses, you can benefit from cashless treatments, paperless and hassle-free claim procedures and access to an extensive network of hospitals.
By paying regular health insurance premiums, you can get covered for your medical expenses. For instance, if you require medical treatment, we can either pay your medical bills directly to the hospital or reimburse them later to you.
Health Insurance Importance: Why Do I Need a Health Insurance Policy?
To Protect Yourself Against Rising Health Risks
With the modern-day lifestyle, the range of health-related risks we are exposed to has significantly increased. From children to young individuals, everyone is prone to illnesses due to sedentary lifestyle, unhealthy eating habits, climatic factors and increasing stress levels.
To Manage Risng Medical Costs
The cost of medicines, medical examinations, hospitalisation and surgeries are consistently on the rise. To manage this, you can pay the basic health insurance premium and get insured. This can save you from making health expenses from your own pocket.
To Ensure Financial Security
In the event of a planned treatment or medical emergency, health insurance covers your medical expenses. It reduces your financial burden and helps protect your savings. This ensures you focus on your recovery without worrying about the increasing treatment expenses.
To Ensure Comprehensive Coverage
With the best health insurance policy and adequate coverage, you can access quality healthcare solutions for your requirements. It also ensures timely medical attention without any delays. By purchasing online health insurance, you can compare and choose the best health policy for your healthcare needs.
To Avail of Quality and Timely Medical Attention
With the best health insurance policy and adequate coverage, you can access quality healthcare solutions for your requirements. It also ensures timely medical attention without any delays. By purchasing online health insurance, you can compare and choose the best health policy for your healthcare needs.
For Peace of Mind
When you have a health insurance policy with sufficient coverage for all your medical expenses, you can live with peace of mind. It helps you focus on your daily routine and work better.
Advantages Of TATA AIG Health Insurance
There are several excellent features in Tata AIG's health insurance plans that make it a suitable choice for your health insurance requirements. Some of the significant features of a Tata AIG health insurance policy are as follows:
Cashless Hospitalisation In India
By getting insured with Tata AIG as your partner in health insurance, you can get access to a network of 11,000+ hospitals across India and benefit from cashless hospitalisation. There is no need to file and follow up on medical insurance claims as we settle the medical expenses and bills directly with the network hospitals.
Substantial Cumulative Bonus for Claim-free Years
For every policy year that does not include a health insurance claim, you can receive a cumulative bonus between 10 to 100 per cent on the sum insured, depending on the plan that you have selected. With this bonus, the sum insured under your health insurance plan gets increased without paying any additional premiums.
Round The Clock Assistance
We’ve made it our mission to anticipate your every need. We put your priorities above ours, always, and work to exceed your every expectation. We offer 24x7 customer assistance, so even if you call us in the middle of the night with an emergency, we’ll be there for you!
A TATA Promise
The name Tata has long been associated with trust, quality, and excellent customer service. We take our commitments very seriously and try to ensure the delivery of prompt and high-quality services to you round the clock.
Your Safety Is Our Priority
At Tata AIG, we place the utmost value in your trust and leave no stone unturned to ensure the protection and privacy of your data, including your personal information and payment details. You can be assured of a safe and transparent process at our website as well as our offices.
High Claim Settlement Ratio
With a health insurance claim settlement ratio of 96.70% during the financial year 2023-2024, we, at Tata AIG, have reasserted our ever-growing commitment to customer service and support. Additionally, we also offer an easy and quick claim settlement process.
Save On Taxes
It may seem frivolous, but one great reason to get a health insurance policy is to save on taxes. Premiums that you pay to maintain a TATA AIG health insurance policy are exempt from taxes under Section 80D of the Income Tax Act. If you’ve bought a health insurance plan for yourself, your spouse or your kids, you can claim up to INR 25,000 per year. If you’ve bought a health insurance plan for your parents who are over the age of 60, you can claim an additional deduction of INR 50,000 per year.
Please note tax benefits are subject to change in Income Tax laws.
Paperless Policies
Say goodbye to standing in long queues to buy or renew health insurance. With the Tata AIG MediCare line of health insurance products, you can select, compare, and buy an excellent health insurance policy by paying the premiums from the comfort of your home, office, or weekend getaway.
We take our motto of "With You Always" to heart and stay committed to providing you with 24x7x365 support in policy purchase, renewal, premium payment, claim filing, and claim tracking. You can get your policy documents via email and WhatsApp and reach out to us should you need any assistance.
It's Raining Discounts
By buying a Tata AIG health insurance policy, not only do you get extensive health insurance coverage from one of India's most trusted brands but also receive incredible discounts. If you buy our MediCare health insurance plans for a tenure of two years, you can get a 5% discount on the premium. Similarly, if you opt for a three-year Tata AIG MediCare health insurance plan, you can benefit from a 10% discount on the cost of the policy.
What is more, is that should you choose our family floater health insurance plan, the higher the number of family members added to the plan, the higher shall be the discount you get on the premium. You can benefit from a 20% discount on the premium for a family floater health insurance plan for two family members, a 28% discount for three family members, and a 32% discount for more than three family members.
How to Buy/Renew a Health Insurance Plan?
How to Buy a Health Insurance Plan?
Step 1: Visit the official TATA AIG website and click on ‘Personal’ → ’Health Insurance’.
Step 2: Choose the member or select the number of members and click on “Get Plan”.
Step 3: Provide the required information, such as date of birth, mobile number, email address and pin code and click on “See Plan”.
Step 4: Review the different health insurance plans available, read the different policy documents and choose a suitable policy.
Step 5: Enter the required information, such as the sum insured, and policy tenure required.
Step 6: View the Premium Breakup and pay the applicable premium online to buy your medical insurance policy.
Documents Required to Buy Health Insurance
- Proof of Identity - Aadhaar Card, Passport, Driver’s Licence, etc.
- Proof of Address - Aadhaar Card, Passport, Voter ID, etc.
- Proof of Age - Birth Certificate, Aadhaar Card, Passport, etc.
- Proof of Income - Bank Statements, Salary Pay Slips, Income Tax Return forms, etc.
- Medical Documents - Previous Medical Records, Prescriptions, etc.
- Previous Health Insurance Documents, if applicable
How to Renew Health Insurance Online?
Step 1: Visit our official TATA AIG website.
Step 2: Under the “Renewal” tab, click on “Health” for TATA AIG health insurance renewal.
Step 3: Enter your Policy Number and click on “Renew”.
Step 4: Review your existing policy and make the necessary changes.
Step 5: Pay the applicable premium online to renew your health insurance policy with TATA AIG.
How to Get a Physical Copy of your Medical Insurance Plans?
Step 1: Visit our official TATA AIG website and click on “My Policy”, which is present at the top right-hand corner.
Step 2: Click on “Download Policy”.
Step 3: Provide the required details and continue to download your health insurance policy.
Step 4: The health insurance policy document will be saved as a PDF file on your laptop or computer.
Step 5: Proceed to print it and get a physical copy.
Why Choose Tata AIG?
Consumables Cover
If you are admitted to the hospital, apart from the hospitalisation costs, the cost of any surgical and medical consumables or equipment that is billed to you, will be covered by our Consumables Cover. These consumables are the products or equipment that are directly used for your treatment and can be expensive if you are not covered by a health insurance policy that offers this cover.
Worldwide Cover
By adding our Global/Worldwide Cover to your health insurance, you can be covered for the treatment of any illness or condition overseas. If you have been diagnosed with a certain ailment in India but choose to get medical treatment and hospitalisation abroad, this cover can help you cover those costs.
Maternity Cover
After adding our Maternity Cover to your policy and after a waiting period of 4 consecutive years, this rider can help you cover the cost of maternity expenses of up to ₹50,000 for each policy year. We will also increase the coverage up to ₹60,000 if the newborn is a baby girl.
Newborn Cover
If your newborn baby has to undergo any treatment, arising from complications during the delivery, the Newborn Cover will provide coverage of up to ₹11,000 for the necessary treatment, once the maternity claim has been accepted.
OPD Cover
We understand that the cost of medical consultations and medications can build up a hefty bill over a single year. Therefore, our OPD cover will help you cover up to ₹5,000 of these cost for every policy year, after you have after a waiting period of 2 consecutive years.
Hassle-free claim process
We ensure that you won’t have to worry about complicated processes with excessive paperwork when it comes to filing your health insurance policy claim. Tata AIG offers a seamless online process where you can swiftly file your claim on our official website, and our 650+ claim experts will have your claim settled well within the due timelines, provided all the information on the online form is accurate.
Automatic restoration
We understand your medical emergencies and the expenses that come along with them, and so, our health insurance plans come with the automatic restoration benefit. This feature enables the automatic refilling or restoration of your sum insured, just in case you have exhausted it in a single policy year for a health emergency!
Cumulative bonus
For every claim-free year, your Tata AIG health insurance policy will let you enjoy a cumulative Bonus benefit of between 10-50%. This benefit enhances your sum insured without increasing health insurance premiums, making for more extensive health insurance coverage. With our health insurance plans, you can get up to a maximum of 100% additional sum insured for each year that you don’t file a health insurance claim. Be it our cashless treatments, the tax benefits, the option of the additional sum insured and many other benefits, at Tata AIG, we have health insurance plans that are curated for your health insurance needs.
Types of TATA AIG Health Insurance Plans
At Tata AIG, we have a wide variety of health insurance plans to cater to your varied health insurance requirements. Here is the catalogue of the varied types of health insurance coveragesyou can avail of:
Individual Health Insurance
An individual health insurance is a plan wherein the entire sum is dedicated to providing coverage for a single person. If you are seeking extensive and comprehensive coverage for yourself or a dedicated medical insurance plan for your family members, our individual health insurance plans are the perfect choice.
- Sum insured of up to ₹1 crore
- Lifelong renewability
- Comprehensive coverage for hospitalisation
- Ambulance services,
- Pre-and post-hospitalisation,
- Domiciliary hospitalisation and more
Family Health Insurance
A family floater health insurance plan allows you to cover multiple family members under a single health insurance plan with one premium. Under the mediclaim policy for family plan, the sum insured is shared among all individuals covered, providing financial protection for your entire family at an affordable premium. Explore our TATA AIG Medicare Premier - The Care You Need.
- Coverage for self, spouse,
- Coverage for up to 3 dependent children
- Discounts up to 32% for including more than three members
- Global cover for planned hospitalisations
Super Top-Up Health Insurance
With the TATA AIG Super Top Up Health Insurance Plan, Medicare Plus, you can enhance your coverage by adding to the sum insured provided by your existing individual medical insurance plan or your family health insurance plan.
- Enhanced sum insured at affordable premium rates
- Benefit from aggregate deductibles
- Optional global cover
Critical Illness Health Insurance
While a basic health insurance plan provides financial protection against common diseases and injuries, it typically does not cover expenses related to critical illnesses, such as cancer, cardiovascular diseases and renal failure, which can occur during a lifetime. Our TATA AIG Critical Illness Health Insurance Plan offers comprehensive protection to get coverage specific to critical illness.
- Coverage for a wide range of critical illnesses
- Simple and hassle-free claim settlements
- Benefits serve as a replacement for lost income
Personal Accident Insurance Policy
In the unfortunate event of an accident resulting in permanent disability or loss of life, the TATA AIG Personal Accident Insurance Policy, TATA AIG Medicare can provide invaluable support to you and your family. This plan ensures financial assistance to you or your beneficiary (in the event of death), offering stability and relief during such challenging times.
- Emergency air ambulance
- Daily cash benefits
- Home care treatment and wellness services
Coronavirus Health Insurance
The COVID-19 pandemic affected countless lives across the world. We introduced the Coronavirus Insurance to provide comprehensive coverage for expenses related to the infection. As the virus still continues to affect people even now, this coverage remains available to those in need.
- Coverage for hospitalisation expenses
- Coverage for post-hospitalisation expenses
- Quick and hassle-free claim settlement processes
- No specific waiting period
- Initial waiting period of 30 days applies
What Our Customers Are Saying
Very good. keep growing .Best of luck tata group and company's.
This website is amazing. Neat and clutter free...What a delightful user experience...loved it...Kudos to the Tata AIG team and the website developer too!
Their customer service executives really helped me with the requirements for claim filing and were very patient with me.
Very nice, big 👌 thumps up to entire who ever involved to build this platform.
Very easy
Thank you TATA AIG. this process is very easy. we don't need any agent for this. this is Time Saving for us.
Why Should I Buy Health Insurance Online?
Instant Procedure
Buying a health insurance policy is quick and easy. You can easily check policy features and get policy quotes in a few simple steps. Simply visit the health insurance page online and provide the requested details.
Easy Comparison
Online policy buying procedure makes it easy to compare multiple policies at once. This way, you can check the sum insured, policy features, add-ons and premiums of various insurance providers before buying the best one.
Ask the Experts
Connect with TATA AIG insurance experts for any queries related to insurance wordings, features or add-ons. Moreover, our claim experts are available instantly for assistance during the settlement procedure.
No Health Check-up Required
Another benefit of buying health insurance online is that you do not have to have any health check-ups. If TATA AIG requires any additional health-related information, our tele-underwriters will contact you before you buy the policy.
Paperless Procedure
You can buy health insurance online without any paperwork. All the policy procedures will be completed online, and the documents will be digital. Soft copies of insurance policy papers will be sent via email so that you can download and review them anytime and anywhere.
Benefits of Health Insurance Plans
Coverage for Hospitalisation Expenses
Health insurance covers hospitalisation expenses, such as room rent (including ICU charges), doctor’s fees, medications, nursing fees and more.
Coverage for Pre- and Post-Hospitalisation Expenses
A health insurance policy also covers the medical expenses incurred 30 to 60 days before the hospitalisation and 60 to 90 days after the hospitalisation.
Coverage for Critical Illnesses
By purchasing a health insurance policy, you can cover critical illnesses, such as cancer, cardiovascular diseases, kidney failure and more.
Extensive Coverage at an Affordable Premium
You can purchase a TATA AIG Medical Insurance policy with extensive coverage to cover even critical illnesses at an affordable premium.
Cashless Hospitalisation
We can settle your medical bills directly at the hospital to help you receive the essential treatment without the hassle of upfront payments.
Coverage for Different Types of Treatments
Health insurance plans also cover the different types of medical treatments, such as AYUSH and also the expenses incurred towards daycare procedures.
Add-on Covers for Flexible Coverage
You can customise and enhance your health insurance policy by including additional coverage options such as maternity cover, OPD cover, consumables cover and more.
Preventive Health Checkups
With our TATA AIG health insurance plans, you can also cover the expenses incurred towards preventive health checkups.
Tax-Saving Benefit
You can claim up to ₹1 lakh under Section 80D for the premiums paid towards health insurance plans purchased for yourself, including family and parents.
What’s Not Covered Under TATA AIG Health Insurance?
Tata AIG Health Insurance Covers Many Medical Processes, But There Are Certain Exclusions Too. We Are A Transparent Firm And Would Like You To Know What We Do Not Cover.
Exclusions
Medical exclusions: -
- Plastic surgery or cosmetic surgery during your lifetime unless necessary as a part of medically necessary treatment certified by the attending Medical Practitioner for reconstruction following an Accident, Cancer or Burns.
- Rest cure, sanatorium treatment, rehabilitation measures, private duty nursing, respite care, long-term nursing care or custodial care.
- All preventive care, vaccination including inoculation and immunizations (except in case of post- bite treatment and other vaccines explicitly covered);
- Hospitalization purely for enteral feedings (infusion formulae via a tube into the upper gastrointestinal tract) and other nutritional and electrolyte supplements, unless certified to be required by the attending Medical Practitioner as a direct consequence of an otherwise covered claim.
- Experimental and Unproven treatments, Rotational Field Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP), Chelation therapy, Hyperbaric Oxygen Therapy.
Non-Medical Exclusions:
- Charges incurred at a Hospital primarily for diagnostic, X-ray or laboratory examinations not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, for which confinement is required at a Hospital.
- Items of personal comfort and convenience like television (wherever specifically charged for), charges for access to telephone and telephone calls, internet, foodstuffs (except patient’s diet), cosmetics, hygiene articles, body care products and bath additive, barber or beauty service, guest service.
- Treatment rendered by a Medical Practitioner which is outside his discipline, - Doctor’s fees charged by the Medical Practitioner sharing the same residence as an Insured Person or who is an immediate relative of an Insured Person’s family - Please refer to the policy document for a complete list of benefits and exclusions.
- Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible.
Does Heath Insurance Cover Covid-19?
The pandemic came as a sudden and rude shock to the whole world, but everyone soon learned to adapt. However, apart from doing your bit by sanitising your hands, wearing your face mask and maintaining social distancing, it is also time for you to review your health insurance plan. And given the infectious nature of the virus, several days of medical observation in the hospital can get really expensive! But with coronavirus insurance from Tata AIG, you can ensure the safety of yourself and your loved ones.
The Tata AIG COVID health insurance and its high sum insured at affordable premiums and extended hospitalisation cover are meant to help you compensate for the loss of income due to prolonged hospitalisation.
To keep up with the mild but imminent threat of coronavirus infection, Tata AIG offers COVID insurance, which is a recent addition to our range of health insurance policies. The COVID health insurance has been created, keeping in mind the medical and financial hardships that you and your family may have to face in an unfortunate emergency.
In general, the rising medical expenses can make it difficult for you to get access to quality healthcare. But to ensure that you do not have to face any financial and medical challenges without adequate support, our COVID-19 insurance plan provides a host of benefits that covers hospitalisation expenses, cashless treatment and more!
Eligibility Criteria for a TATA AIG Medical Insurance Policy
Health insurance plans are meant to protect you and your family against the rising medical costs resulting from unfortunate medical emergencies. While you may think that anyone can avail of health insurance plans, you are only partly right. There are eligibility criteria that need to be met if you are looking to purchase health insurance. For most health insurance plans, these are the eligibility criteria that need to be met
- The age criteria for dependent children marks the entry age between 90 days to 25 years of age.
- The age criteria for adults marks the entry age at 18 years to 65 years of age.
- The pre-existing disease waiting period is 2 – 4 years.
- The pre-medical screening applies to policy buyers aged 45 years, 55 years or 60 years.
Age Criteria
While adults over the age of 18 years and within the age limit of 65 years can purchase health insurance plans, the age criterion for dependent children is between 90 days to 25 years. Beyond the age of 25 years, it is best to have health insurance for yourself so that you can avail of a low health insurance premium rate.
Pre-medical Screening
A pre-medical test or examination is necessary mostly for policy buyers above the age of 45 or 55 years. In the case of most senior citizens health insurance policies, a pre-medical test is compulsory and will influence the policy issuance. However, it is best to buy health insurance when you’re young so that you can benefit from a low health insurance premium cost.
Pre-existing Diseases
There is a waiting period of 2-4 years for pre-existing diseases during which you cannot receive the full benefits of your health insurance coverage. It is also a wise idea to let your insurance provider know if you have a medical history or about your smoking habits.
By revealing genuine information to us about your health conditions and lifestyle habits, you can save yourself from the hassle of a delayed or rejected claim.
Factors To Consider While Buying Health Insurance
Scope of Coverage
Know the scope of coverage, including the range of minor and major illnesses covered and features, such as the hospitalisation, pre-and post-hospitalisation, critical illness insurance benefits and more.
Sum Insured
Determine the sum insured based on your healthcare requirements and the cost of medical treatments in your locality. Choose extensive coverage such as ₹50 lakhs or ₹1 crore for higher coverage if you are at risk of developing a critical illness.
Waiting Periods
Waiting periods refer to the duration you must wait after purchasing a policy before you can file a claim for specific benefits or treatments. For instance, it applies to treatments for pre-existing illnesses and maternity cover.
Optional Add-on Coverage Benefits
Determine the range of add-on coverage benefits offered to enhance the medical insurance plans based on your specific needs, such as the OPD cover, maternity cover, etc.
Eligibility Criteria
Determine the age eligibility criteria, lifelong renewability and specific conditions applicable to the health insurance policy. Read through the policy document thoroughly to understand the inclusions, exclusions and specific terms and conditions.
Cashless Hospitalisation and Network of Hospitals
Although cashless hospitalisation is now available across all hospitals in India. It is much easier in the network of hospitals. Therefore, explore the network of empanelled hospitals and online health insurance processes for smooth claim settlements.
Room Rent Sub Limit
Explore health insurance plans with no or minimal sub limits to ensure maximum benefits during hospitalisation. TATA AIG offers no sub limits on hospital room rent subject to the policy conditions.
Claim Settlement Ratio
Determine the reliability of the insurer by reviewing their claim settlement ratio. A higher claim settlement ratio, such as over 90% indicates a greater possibility of your claims being approved.
Why Should I Purchase Health Insurance When I’m Young?
Lower Premium Rates: Age is considered a crucial factor when calculating health insurance quotes. Thus, the younger you are, the lower your premium rates will be and vice versa.
No Health Check-ups: Young people have fewer health risks, so policy agents do not require them to have medical check-ups before they buy health insurance plans.
No Claim Bonus: Buying health insurance plans at a younger age increases your chances of receiving a non-claim bonus, which can enhance your sum insured in later years.
No Co-Payment: Young health insurance plan buyers do not have to share their medical bills, as the co-payment option is not available for them.
Get Continuous Health Insurance Cover: Buying health insurance plans at a young age helps you get continuous health coverage with renewals. This way, you can avoid the waiting period for pre-existing and specific diseases.
Which Factors Affect Health Insurance Premium?
Age - Health insurance premiums tend to increase with age, as older individuals are more susceptible to health issues.
Gender - Premium may also vary based on gender, as some health conditions are more prevalent in men.
Type of Policy - The premium varies significantly depending on the health insurance policy you choose and its features.
Policy Tenure - The premium may also vary depending on the duration you have chosen for your health insurance policy.
Sum Insured - The premium for your health insurance policy also increases with the extent of the sum insured.
Number of Insured Members - For a family health insurance policy, the premium increases with the number of members covered.
Health Condition - Your overall health condition, along with pre-existing illnesses, can significantly impact the medical insurance premium.
Family Medical History - A history of hereditary illnesses in your family can raise the health insurance premium due to increased health risks.
Popular Misconceptions About Medical Insurance
Common Health Insurance Myths
Online health insurance is not reliable. - Purchasing online health insurance is secure and transparent, eliminates biased intermediaries and avoids unnecessary additional payments.
Health insurance can be claimed only for hospitalisation. - Medical insurance can be claimed for a wide range of medical expenses, including hospitalisation, pre-and post-hospitalisation, daycare procedures, AYUSH treatment and more.
Pre-existing diseases are not covered in health insurance. - Treatments for pre-existing diseases are covered in health insurance after the specific waiting period.
Health insurance can cover all medical expenses. - Health insurance plans have specific inclusions and exclusions that vary based on the policy type.
Reasons Why People Avoid Buying a Medical Insurance Policy
Health insurance offered by employers is sufficient - Employer’s health insurance may not be sufficient to cover all your medical expenses and specific requirements.
Health insurance is not required as I am young and healthy - The risk of developing complex diseases is becoming increasingly common among young individuals due to stress and lifestyle habits.
The higher sum insured offered in health insurance may not be necessary - The cost of medical treatments has always been on the rising trend. Health insurance can cover a wide range of medical expenses.
Not aware of the benefits of health insurance in financial planning - Paying health insurance premiums can help you save on tax, avoid breaking your savings and cover various healthcare costs.
What is the Waiting Period in a Medical Insurance Policy?
Typically, there are three types of waiting periods in health insurance. Here are the categories of waiting periods in a TATA AIG health insurance plan.
Initial Waiting Period
During the initial waiting period of your health insurance plan, you cannot file any claims other than those arising out of accidental injuries. The initial waiting period for TATA AIG health insurance plans is 30 days.
Waiting Period For Pre-existing Illnesses
The coverage for various pre-existing illnesses in a health insurance plan does not usually get activated immediately upon the purchase of the said plan. The waiting period for the treatment of pre-existing illnesses is 3 years.
Waiting Period For Specific Diseases
The treatment for certain specified diseases will also be excluded until the expiry of the waiting period applicable to the medical insurance policy. The waiting period is generally 2 years and can vary based on the specific health insurance policy and its terms and conditions.
Waiting Period For Maternity Cover
The waiting period for maternity coverage in a health insurance plan is usually four years. Therefore, it is prudent to buy a health insurance plan well in advance of your plans to start a family.
Steps to Use TATA AIG Health Insurance Premium Calculator
By now, we’re sure you’ve understood the importance of getting a good health insurance policy for yourself and your family members. But how do you understand if you’re paying the right premium?
Check our Health Insurance Premium Calculator and follow these simple steps to compare and determine the most affordable health insurance plan.
Also Read: GST on Health Insurance
Choose Who You Want to Include in the Coverage
The first step to computing your health insurance premium is to provide us with information about how many people you want health insurance coverage for. If you are opting for individual health insurance, select the icon for Self.
On the other hand, if you want to include your spouse, parents and/or children in the health insurance plan, select the relevant icons and click on Proceed or Next.
Submit the Necessary Personal Particulars
Secondly, you must enter the required personal information, including your mobile number and date of birth. This information needs to be submitted for every person you want to include in the health insurance plan.
Choose A Health Insurance Plan
The next, and perhaps the most critical step, in the process is the selection of a suitable health insurance plan. This entails choosing the sum insured, plan tenure and the required add-ons.
You can enhance the coverage of the selected plan by adding riders such as high-end diagnostics, emergency air ambulance, and the cost of consumables. Remember that any such selection shall have a bearing on your health insurance premium.
Answer Some of Our Basic Queries
In the next step of the process, you shall be required to answer some basic questions about your health condition and lifestyle habits. We request you to be as honest as possible while responding to these questions
Get Your Health Insurance Quote
The last step is entering your name and email address and your health insurance quote shall be on the screen and in your WhatsApp inbox.
How To Reduce Health Insurance Premium?
Paying a high health insurance premium can become a nightmare if your expenses go out of control. Sometimes, it is the health insurance plan and the coverage that increase your premium payments, and at other times, it could be a potential health risk that is responsible. Either way, it is essential to have affordable health insurance to ensure you can manage ongoing expenses while your policy continues to protect you and your family! Hence, here are some tips to ensure low-premium health insurance:
Buy your health policy early
As you may know, your age plays an important role in determining your premium amount. And so if you wait till you get older before buying health insurance, your premiums will also increase. Therefore, purchase a health policy soon and enjoy paying lower premiums.
Manage your health insurance plan
Choose the optimum sum insured that matches your health insurance needs perfectly. Consider the health conditions, family medical history, nature of medical expenses, medical inflation and quality of health care necessary for your family. Based on that, choose the right sum insured. Use a health insurance calculator to get the right premium.
Compare health insurance plans
Always compare all your options before you purchase your health policy. Buying the first health plan means you have not explored your options and can lose out on a chance to pay an affordable medical insurance premium. Hence, always compare health insurance to get the cheapest health insurance that suits your medical needs.
Choose the cover wisely
It is always better to first understand your health insurance needs before buying a policy. Suppose you have dependent family members, then an individual health insurance plan is not only impractical but also more expensive than a family floater health insurance plan.
Go for Top Ups
Top-up plans like the TATA AIG Medicare Plus Super Top Up Health Insurance help you boost your insurance coverage so that you can always be prepared for medical emergencies without breaking the bank and keep your health insurance coverage and health insurance premium in check.
How to File a Health Insurance Claim?
If you’ve received treatment at a network hospital or non-network hospital, you can enjoy quick and easy cashless claims by following these steps for non-emergency hospitalisations:
Step 1 - Inform Us: Email us your cashless claim form at least 48 hours before your scheduled treatment at the hospital. You can also send us a letter intimating this information.
Step 2 - Wait For Our Confirmation Letter: Upon the receipt and verification of the aforementioned form, we shall send you a confirmation letter and intimate the hospital about the claim.
Step 3 - Submit The Letter at the Hospital: On your arrival at the hospital, you must submit your health card, and the confirmation letter received from TATA AIG.
That's it! There are no more steps. You just rest and recuperate, and we'll take care of the bills.
Note:
Turnaround time:
Cashless Pre-authorisation | 1 Hour
Final Authorisation for Discharge | 3 Hours
How to File a Health Insurance Claim?
Steps for Cashless Health Insurance - Non-Emergency Scenarios
If you’ve received treatment at a network hospital or non-network hospital, you can enjoy quick and easy cashless claims by following these steps for non-emergency hospitalisations:
Step 1 - Inform Us: Email us your cashless claim form at least 48 hours before your scheduled treatment at the hospital. You can also send us a letter intimating this information.
Step 2 - Wait For Our Confirmation Letter: Upon the receipt and verification of the aforementioned form, we shall send you a confirmation letter and intimate the hospital about the claim.
Step 3 - Submit The Letter at the Hospital: On your arrival at the hospital, you must submit your health card, and the confirmation letter received from TATA AIG.
That's it! There are no more steps. You just rest and recuperate, and we'll take care of the bills.
Note:
Turnaround time:
Cashless Pre-authorisation | 1 Hour
Final Authorisation for Discharge | 3 Hours
Steps for Cashless Health Insurance - Emergency Scenarios
In case you have to visit the hospital for emergency treatment, the claims process is slightly different:
Here is what you need to do if you have found yourself at one of our network or non-network hospitals during an emergency and require unscheduled medical treatment.
Step 1 - Submit The Claim Form At the Hospital: Send us your cashless claim form no later than 24 hours after being hospitalised so that we may generate the Claim Intimation/ Reference Number. Here are the documents that need to be submitted to utilise the cashless claims benefit:
A copy of your health insurance policy;
Your insurance card;
Your photo identification proof;
Your proof of address;
Duly filled CKYC form in case the claim amount exceeds ₹1 lakh.
Step 2 - Await Our Authorisation Letter: Once we receive your cashless claim from the concerned hospital, we shall issue an authorisation letter to the hospital and settle the bills with them. All you need to do then is focus on your recovery.
Note:
Turnaround time:
Cashless Pre-authorisation: 1 Hour
Final Authorisation for Discharge: 3 Hours
Steps for Health Insurance Reimbursement - Emergency Scenarios
If you opt for health insurance reimbursement, you have to pay the medical bills and then later file a reimbursement claims with us by following the steps mentioned below.
Step 1 - Fill And Submit The Reimbursement Claim Form: Submit the duly filled reimbursement form to us along with the following documents.
- A copy of your health insurance plan or insurance card;
- A Medical Certificate signed by a registered doctor;
- The relevant pathological reports;
- A copy of the hospital discharge card;
- The original hospital bills and receipts;
- The original pharmacy bills;
- The investigation report, if applicable;
- A copy of the First Information Report in case of an accidental claim;
- Your NEFT details for the settlement of the claim;
- Duly filled CKYC form if the amount of the claim is above ₹1 lakh.
Step 2 - Await claim settlement: Once we receive your requirement claim form and the required documents, we shall verify them then process the claim and award the reimbursement to you.
Note: The claim will be settled within 15 working days upon receipt of all necessary documents.
Documents Required for Health Insurance Claim
Medical emergencies come unannounced, and the only economical way of dealing with them is with medical insurance plans. However, such emergencies can only be covered if you file a claim or choose at the right time. And for that, you should have all of your documents in place so that we can help you with a seamless claim settlement. In health insurance plans, the documents needed for filing a claim are,
In-patient hospitalisation bills attested by the insured under the medical insurance.
The discharge card signed by the authority at the hospital/network hospital.
Claim form containing the insured’s signature.
A valid medical investigation report.
The medical store receipts and the doctor’s prescription.
List of hospital consumables prescribed by the doctor with all details.
The present year’s copy of the third-party administrator’s (TPA) ID card.
Copies of the health insurance policy from the previous year.
Any other document as required by TPA.
Bills and receipts of doctor’s consultation.
How To Pick The Best Health Insurance in India?
Look for Adequate Sum Insured
A health insurance plan must serve your requirement otherwise, you only end up wasting money. If you have a plan whose coverage barely covers the losses, it is time to review your policy and choose an adequate sum insured.
Compare Health Insurance Plans
Buying an expensive policy means the premiums will be quite costly. Instead, always look for an affordable health insurance policy, and you should be able to find your pick. You can also use our health insurance premium calculator to make an informed decision.
Good Network of Hospitals
A wide network of hospitals means you can visit your insurer’s network hospital, no matter where you are and get access to seamless cashless hospitalisation. Our network of 11,000+ hospitals all over India means you need not worry about making any hospital bill payments.
Reliable Brand
It is important that your insurer is reputed and has a good claim settlement ratio. This figure indicates that your insurance provider will honour your health insurance claims in case such a situation arises. Our TATA AIG Health Insurance Claim Settlement Ratio of 96.70% speaks for itself!
Check the Waiting Periods
Depending on the health insurance plan you choose, look for the waiting period. The waiting period for pre-existing diseases is 2-3 years, and there is also an initial waiting period of one month when you cannot file any claim other than an accidental claim.
No Sub-Limits
Try to opt for the best health insurance policy that does not include sub-limits for room rent. With this benefit, you should be able to avail of better accommodation if you are hospitalised.
Frequently Asked Questions
What is the need for health insurance cover?
When is the best time to buy health insurance?
What is the difference between health insurance and life insurance?
Health insurance and life insurance policies serve two completely different purposes. Your health insurance policy will help you take care of the cost of medical treatment. It provides you with a safety net to fall back on in case you are diagnosed with an illness or require emergency medical support after an accident. Life insurance policies, on the other hand, are typically used as an investment instrument. They provide the insured individual with a maturity benefit at the end of the policy term. The policies are long-term and usually last for 10 or more years. Additionally, these plans offer financial support to the insured individual’s family members. If something happens to the insured during the policy tenure, the nominee is provided with a payout.
Does TATA AIG offer 24x7customer support?
Is there any way to get a discount on my premium?
Is the health insurance policy valid across the country?
Will I be covered outside the country?
Can I make a claim if I am hospitalised for less than 24 hours?
Can I cover my family under a single policy?
What is a pre-existing illness?
Are pre-existing illnesses covered under my TATA AIG health insurance policy?
Can I increase my sum insured in the middle of a policy year?
Is a medical check-up necessary to purchase health insurance?
Will I have to undergo a medical check-up every year?
Why should one buy health insurance at a young age?
Though you can buy health insurance at any age, it is always better to get health coverage when you are young. This way, you can avail of greater insurance coverage with a high sum insured with lower premiums. Since you are less likely to carry any health risks at a young age, your premiums will be low, and you need not worry about medical emergencies during the waiting period of the policy.
Can I have more than one health insurance policy?
What does my Tata AIG health insurance cover?
Can my health insurance cover my overseas treatment?
Will my health insurance premiums be expensive?
How do I calculate my health insurance premiums?
What are pre-existing diseases? Can my health insurance cover pre-existing diseases?
When can I increase my health coverage during the policy year?
What is the domiciliary treatment? Do Tata AIG health insurance plans offer this feature?
Can I get cashless benefits in a non-network hospital?
What are the waiting periods in Tata AIG health insurance plans?
How to buy Tata AIG’s health insurance plan online?
What is the process to renew my health insurance plan online?
Is a health check-up compulsory for getting a health insurance plan?
What is Tata AIG’s MediCare Super Top-up Plan?
What types of health insurance plans does Tata AIG have?
How do I file a claim on my health insurance policy?
How do I get my health insurance concerns and queries resolved?
Will my existing health insurance policy cover hospitalisation expenses for COVID-19?
Will the policy cover expenses due to quarantine?
Are the consultations with a medical practitioner and diagnostic tests in relation to COVID-19 covered under my health insurance policy?
Are any waiting periods applicable to claims under COVID-19?
Which is the best insurance policy that covers COVID-19 treatment?
Is there any vaccine for COVID-19?
Does TATA AIG offer cashless claims?
What documents do I need to provide while making a health insurance claim?
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