Health Insurance in Ajmer

Here are the two most prominent reasons why it is important to find the best medical insurance in Ajmer to safeguard your health:

• Medical inflation has led to soaring hospitalisation and treatment expenses. In such a state, if you were to seek medical treatment without the backing of medical insurance, you could significantly drain your savings.

• Changing lifestyles with overindulgence in junk foods and little to no exercise have contributed to an increased number of younger individuals contracting diseases. Considering this, getting treatment for diabetes, heart disease, etc., without a health insurance plan can significantly dent your savings.

In addition to being considerate of seeking, “health insurance near me” another important factor that insurance seekers must consider is the different types of medical insurance policies.

This can help them select the best health insurance in Ajmer to adequately secure themselves and their loved ones. Here are the different types of medical insurance plans offered by health insurance companies in Ajmer:

Individual Plan: An individual health insurance plan compensates for illnesses and medical expenses of one person. All essential medical expenses including hospitalisation, surgical, pre- and post-medication expenditures within the coverage limit. The premium of the medical insurance policy is determined by the age, medical history, add-on covers, etc.

Family Floater Plan: Under a family medical insurance policy, one can cover their entire family under a single plan. The best Mediclaim policy for a family in Ajmer will not only help save money but also consider the distinct healthcare requirements of every member.

Senior Citizens Health Insurance: Individuals who are above the age of 65 can be secured by a senior citizens’ health plan. However, because senior individuals are more vulnerable to illnesses, the premiums payable towards this policy are higher.

Yet, health insurance for senior citizens is designed to take care of the unique needs of older adults so they can enjoy a stress-free retirement.

Critical Illness Insurance: Under this policy, the insurance holder receives a lump sum when diagnosed with a critical illness to pay for the cost of treatment. These illnesses include cancer, heart stroke, paralysis, organ transplant, etc.

It is important to note that your medical insurance policy will not cover every single medical expense. So, if you are seeking the best medical insurance in Ajmer, you must make note of common inclusions and exclusions.

Inclusions

Pre- and Post-Hospitalisation Expenses All the pre and post-expenses of hospitalisation, including doctor’s fees, medical expenses, follow-up treatments, etc., are covered by your medical insurance.

Yearly Medical Check Up Health checkups such as ECG, blood sugar, kidney function, etc., are covered under your health insurance plan once a year.

Daycare Treatments If the insured member is hospitalised for less than 24 hours, their medical insurance policy will still compensate for these expenses. These treatments include dialysis, chemotherapy, cataract surgery, etc.

Cashless Medical Treatment One of the best health insurance benefits is that policyholders can avail of cashless medical services where the medical bills are settled directly between the insurer and the hospital. Under the “Cashless EVerywhere” initiative the General Insurance Council (GIC) policyholders can get cashless services at both network and non-network hospitals.

Reimbursement of Medical Expenses In case they need a reimbursement on their treatment expenses, insurance holders can raise a reimbursement claim by submitting original documents and bills as listed in their medical insurance.

Exclusions

Pregnancy and Associated Conditions Pregnancy, childbirth, abortion, and other associated health conditions are not covered under health insurance

Pre-Existing Illnesses If you are suffering from a health ailment before purchasing your health insurance, then there is typically a waiting period before you can raise a claim against these health concerns.

Cosmetic Surgery Cosmetic surgeries are not covered by health insurance unless necessitated by an injury or accident

Dental, Hearing, and Vision As dental, hearing, and vision-related procedures do not require hospitalisation, they are not covered by medical insurance

If you are looking for the best health insurance in Ajmer, ensure that you read all the inclusions and exclusions so you are not unpleasantly surprised at the time of raising a claim.

When looking for the best Mediclaim policy in Ajmer, here are some factors you must make note of:

Look for the right coverage: Opt for health insurance that secures you against a wide range of medical ailments. Be mindful of your budget and select an appropriate plan.

Opt for family plans instead of individual coverage: When you buy a family floater plan you can save more on your premiums. To find the best Mediclaim policy for a family in Ajmer, make note of the family medical history and ensure that the policy offers coverage against illnesses that you and your loved ones are susceptible to.

Seek a plan with lifetime renewability: Choose a health insurance plan with lifetime renewability as the need for health insurance is greater in the later years of life.

Check the claim settlement ratio (CSR): The CSR is the number of claims that have been settled by the insurer in one financial year against the number of claims received. Look for a higher claim settlement ratio so you can ease your worries at the time of raising a claim.

In current times, buying a medical insurance policy is no longer a hassle as the online purchase has made it easier for insurance seekers to analyse and compare different policies. When you buy health insurance online in Ajmer:

• You can explore a wide variety of healthcare plans to find the one that is the most suited for your needs.

• You can select the best health insurance for yourself by comparing different policies and offerings.

• Your health insurance policy could be purchased conveniently from the comfort of your home.

• You save the operational costs of your insurer and they reward you with discounted premiums.

• Online insurance purchase is a time-saving and hassle-free process.

• The paperwork needed to buy health insurance online is much less than buying a policy offline.

• By comparing and analysing a policy, calculating your premiums, checking the claim settlement ratio, etc., you can make an informed purchase.

Acknowledging the varied needs of insurance seekers, Tata AIG has curated health insurance plans that offer wholesome protection and enable customisation. Some of our unique benefits to strengthen basic coverage include:

Consumables cover: Under this cover, in addition to the hospitalisation costs, the cost of surgical and medical consumables or equipment that is billed to the patient, will also be covered under the policy.

Worldwide cover: With this cover, the patient can seek treatment for their health condition anywhere in the world.

Maternity cover: This add-on helps cover the cost of maternity expenses up to ₹50,000 for each policy year (after a waiting period of four years). If the newborn is a baby girl, this coverage is extended up to ₹60,000.

Newborn cover: Under this rider, if your newborn has to seek treatment owing to delivery complications, a coverage of up to ₹10,000 is provided to take care of the treatment costs.

OPD cover: Acknowledging that the cost of medical consultations and medications can build up over the years, this cover enables you to get coverage of up to ₹5,000 annually after a waiting period of two consecutive years.

Hassle-free claim settlement: We ensure a worry-free claim settlement process with more than 650 experts to guide you through the process.

Automatic restoration: This coverage automatically restores your sum insured in case you have exhausted this amount in one policy year.

Cumulative bonus: For every claim-free year, your Tata AIG health insurance policy offers a cumulative bonus between 10-50%. This improves your sum insured without increasing health insurance premiums.

To ensure you receive the best health insurance, Tata AIG offers the following benefits:

No sub-limit on hospital room rent: You can choose the upper ceiling on your hospitalisation expense so long as it is within the sum insured amount.

No co-pay: You can remove the room rent limit from your insurance to get the best room to receive treatment in without worrying about out-of-pocket expenses.

Maternity cover: Reimbursement of maternity expenses (with a four-year waiting period) of up to ₹50,000, which can be extended to ₹60,000 for a girl child.

Pre- and post-hospitalisation cover: Compensation for pre-hospitalisation expenses incurred before admission and post-hospitalisation expenses generated after being discharged.

Cover for pre-existing health conditions: Coverage for pre-existing illnesses after a waiting period of two to five years.

Cashless claim: For easier cashless claims, insurance holders could visit any of authorised hospitals.

**Ambulance cover:**The cost of the ambulance will be covered by the policy.

No claim bonus (NCB): If you don’t raise a single claim during a policy year, you are eligible for an NCB so you can enjoy higher coverage for the same cost.

AYUSH cover: Alternative medical treatments under Ayurveda, Yoga and Naturopathy, Unani, Siddha, or Homeopathy (AYUSH) are also covered under health insurance.

COVID-19 cover: Considering the severity of the havoc induced by the pandemic, your insurance will cover the cost of seeking treatment against COVID-19.

To enhance convenience for insurance holders, Tata AIG has made it easy to buy and renew medical insurance policy online:

How to Buy Tata AIG’s Health Insurance in Ajmer?

• Visit the official Tata AIG’s health insurance website

• Choose how many members you would like to insure and select “Get Plan”

• Enter your birth date, contact information, and other relevant information, click on “See Plan”

• On the subsequent page, you will be able to view the policy details, premium payable, and coverage amount

• Once you make the payment, the policy will be issued almost instantaneously

How to Renew Tata AIG’s Health Insurance in Ajmer?

• Visit the official Tata AIG page and click on the “Renew” button

• On the next page enter your policy number and click on the renew button

• At this step, you can strengthen your policy with additional riders. Then, press enter.

• Pay for the selected policy and your coverage will be renewed

For a seamless claim settlement process, ensure that you keep the necessary documents ready, such as:

• Duly filled and signed claim settlement form

• A copy of the medical insurance policy

• Original bills - hospitals, pharmacies, diagnostic labs, etc.

• Investigation reports

• Pathological reports

• Discharge summary

• Medical certificate with the doctor’s signature

• Bank details

Process for Filing a Reimbursement Claim

Visit the official Tata AIG website and go to the Claims page. Alternatively, you can also give us a call.

• Enter your registered mobile number

• Carefully fill out the claim settlement form and upload the necessary documents

• Make a note of the acknowledgement number so you can track your claims

Process for Filing a Cashless Claim

• Visit the official Tata AIG website and go to the Claims page. Alternatively, you can also give us a call. Inform us about the treatment here.

• Visit the insurance desk at the hospital and fill out the pre-authorisation form

• Submit the form to the claim management team at Tata AIG

• Promptly respond to the queries (if any)

• Once the claim has been verified, an approval letter is shared with the policyholder

• Alternatively, you can also send a “GoCashless” SMS to 7669300780 to consult an expert and receive a cashless facility at any hospital in Ajmer.

From the 25th of January, 2024, the Insurance Regulatory and Development Authority of India (IRDAI) initiated the “Cashless Everywhere” facility that enables 100% cashless treatment across Indian hospitals.

This facility allows all Tata AIG health insurance policyholders in Ajmer to seek medical treatment without having to pay for it from their pocket regardless of whether the hospital is a network or a non-network facility.