Health Insurance in Gujarat

Having health insurance has become a necessity for every individual in Gujarat. Health insurance is a financial safety net that protects you from any medical emergencies that might happen in the future.

The government of Gujarat has worked diligently to improve the state's health infrastructure by opening a vast network of government hospitals, clinics, and primary and specialised health centres.

But your personal health is in your hands, and having medical insurance ensures that it is always protected from the uncertainties of life.

At Tata AIG, we understand individual health requirements and provide various health insurance plans for everyone. Here are our plans for various age groups and their needs.

Individual Health Insurance Plan: It is health insurance for individual persons and provides coverage for the medical expenses of the insurance buyer only.

Tata AIG Offers: Individual plans with Tata AIG Medicare

Family Health Insurance Plan: Family health insurance, as its name suggests, covers the medical expenses of an individual and their insured family members.

Tata AIG Offers: Family-floater options with Tata AIG Medicare

Senior-Citizen Health Insurance Plan: It is a health insurance plan specifically designed to meet the medical needs of people above the age of 61.

Tata AIG Offers: Tata AIG Elder Care

Critical Illness Health Insurance Plan: Critical illness health insurance provides coverage against medical expenses incurred in the treatment of critical diseases. So that the individuals can focus on treatment without worrying about expenses.

Tata AIG Offers: Tata AIG Criti MediCare Insurance

Super Top-Up health Insurance Plan: You can buy this to extend or ‘top up’ the sum assured of your existing health insurance policy.

Tata AIG Offers: Tata AIG Medicare Plus

Inclusions in Health Insurance Plan

Pre- and Post-Hospitalisation Cover: The best medical insurance in Gujarat must cover pre- and post-hospitalisation expenses incurred during treatment.

Ambulance Coverage: In case of emergency transportation to the hospital via ambulance, you will incur ambulance expenses your insurance will cover the said expenses.

Pre-existing Illness Cover: Good health insurance will cover your future medical expenses as well as your existing illness.

Maternity Cover: Many health insurance provide maternity coverage so that you can welcome this new phase of your life without any worries.

Exclusions in Health Insurance Plan

Transmitted Diseases: Most health insurance does not provide coverage for any transmitted diseases like gonorrhoea and HIV.

Voluntary Injuries: Any injuries caused due to self-harm on yourself will not be covered under the insurance policy.

Infertility Treatments: Infertility treatment and procedures like IVF and IUI expenses will not be covered by health insurance.

Cosmetic Surgeries: Medical insurance policy excludes cosmetic surgeries like lip fillers, rhinoplasty, facelifts, etc.

If you want the best health insurance in Gujarat, look for these must-have features when choosing your insurance company.

Know Your Needs: Before browsing for health insurance companies in Gujarat make sure that you have listed all your requirements from your insurance. It includes your present medical needs, future estimations, financial budget, etc. Then go for the company that meets those needs the closest.

Check All the Options: Make sure to check and compare all the insurance companies thoroughly. It includes their benefits, premium price, insurance terms and conditions, etc.

Policy Wordings: Before buying and signing any insurance papers, read them carefully and clarify any doubts regarding any insurance clause or wording.

Claim Settlement Ratio: Always choose a company with a good reputation and a high claim settlement ratio. Verify the claims by reading customer reviews about the company.

Premium Costs: Get multiple insurance quotes from various companies, compare them, and choose the one that fits your budget while meeting your coverage requirements.

Easy Comparison: It is always advised to compare various medical insurance plans before buying one. By browsing through the websites of health insurance providers, you can easily choose the best insurance as per your coverage needs and budget.

Quick Buying Procedure: Forget about waiting in long lines in the bank to buy insurance. You can easily buy and renew your selected insurance plan with just a few simple clicks.

Expert Assistance: You can connect with insurance experts online and get their assistance and guidance on choosing a suitable insurance plan for your coverage requirements.

No Health Check-ups: When buying online medical insurance, you do not need to undergo any medical or physical check-ups, which is usually a mandatory procedure in offline health insurance

Paperless Process: In online medical insurance, every process is taken care of online, including documentation. It means you do not need to keep physical documents with you.

Tata AIG understands the medical concerns of its customers and strives to provide them with the best services and insurance benefits. By getting medical insurance with us, you can get these benefits:

Quick Claim Procedure: Tata AIG promises to provide you seamless claim settlement procedure so you do not have to hustle for your claim amount. Moreover, our dedicated team of insurance executives assists you at every step of the claim procedure.

Affordable Premiums: Get the quote on your medical insurance policy as per your coverage needs and budget. You can even use our health insurance calculator to get an estimated amount of your selected medical insurance premium.

Pre-existing Illness Cover: With Tata AIG, you not only get medical insurance coverage for future medical illnesses, but we also protect against pre-existing illnesses.

Pre and Post-Hospitalisation Cover: Our health insurance plan provides you cover for pre and post hospitalisation expenses incurred during your medical treatment.

Ambulance Cover: Emergencies can happen at any time. If you are required to be transported to the hospital by ambulance during an emergency, our medical insurance will cover all the ambulance expenses.

The Trust of Tata: Tata is known for catering to the needs of its customers and delivering the best services for the past few decades.

How to Buy a New Health Insurance Plan in Gujarat?

Step 1: Go to the official Tata AIG Health Insurance page.

Step 2: Next, you need to select a number of family members you want medical insurance for. Then click on the “Get Plan” option.

Step 3: Now, you need to provide your requested details, including all family member's date of birth, your email address, contact number, and PIN code. Then click on “See Plan.”

Step 4: On the next page, you will see the best health insurance plans available according to your requirements.

Step 5: Select the health insurance plan that best suits your coverage needs and click on “Continue.”

Step 6: Next, the insurance premium quote for your selected insurance plan will be displayed. If you are satisfied, you can proceed with premium payment.

Step 7: Finally, when the payment is successful, you will receive an acknowledgement mail along with soft copies of your Tata AIG health insurance policy documents at your registered email address.

How to Renew a Health Insurance Plan in Gujarat?

Step 1: Go to the Tata AIG Health Insurance page.

Step 2: On the page, you will find the “Renew” tab to renew your existing health insurance plan. Once you click on it, you will be redirected to the page where you need to fill in your policy number and click on “Renew”.

Step 3: Your current medical insurance plan details will be displayed on the screen. Review the details and make any necessary changes, then click on “Continue.”

Step 4: Next, your renewed medical insurance premium price will be displayed. Verify the amount and proceed with payment.

Step 5: Once the payment is done successfully, you will receive acknowledgement mail and soft copies of your renewed health insurance documents on your registered mail id.

How to File Reimbursement Claim?

Step 1: Visit the Tata AIG Claim Process page to fill out the claim form online, or you can connect with our Insurance Executive to inform us.

Step 2: Get treated at your preferred hospital, and ask for treatment bills and invoices when you are discharged.

Step 3: Next, submit all the treatment bills and invoices along with your reimbursement claim form to the Tata AIG executive for document verifications.

Step 4: Once the verification is completed, your insurance claim amount will be disbursed as per insurance terms and conditions.

How to File a Cashless Claim?

Step 1: Make sure you are okay after the incident, then contact us immediately. You can go to the Tata AIG Claim Process page or connect with our Insurance Executive.

Step 2: Next, you need to complete the claim settlement form, submit it, and wait for its approval.

Step 3: Once your claim has been approved, submit your settlement form and health card on your hospitalisation day.

Step 4: Now, concentrate on your treatment and recovery and leave all the finances to us.

Cashless medical treatment is an excellent health insurance feature that allows policyholders to get medical treatment without paying any penny from their pockets. Earlier policyholders could get this facility only at Tata AIG’s network hospitals.

However, since the IRDAI issued its latest guidelines for medical insurance companies, every policyholder can now get cashless medical treatment at any preferred hospital across India.

To know more, Contact Us at Tata AIG!