Health Insurance in Salem

To meet the unique health requirements of individuals, Tata AIG offers various types of health insurance policies.

Individual Insurance Plan

Individual insurance plans are designed for one person and cover all kinds of medical expenses, such as hospitalisation, pre-surgery, post-medication expenses, and so on. This type of policy can be bought for yourself, your spouse, children, parents, etc.

Key Features

• This plan covers only one individual

• You can claim the maximum amount of sum assured as per your plan

• It is recommended for people between 18-65 years of age.

Critical Illness Insurance Plan

As the name suggests, this plan provides financial assistance in case of life-threatening critical illnesses, such as heart attacks, kidney failure, stroke, etc. When buying the policy, you must specify the critical illness, and if you are affected by it, a lump sum amount will be paid.

Key Features

• You get a lump sum payment when the illness is detected

• When the lump sum payment is made, the policy is terminated automatically

• You can buy it as a stand-alone policy or a rider

Family Health Insurance Plan

The best mediclaim policy for family in Salem covers the entire family under one insurance policy with a single assured sum. This type of policy is more affordable than an individual health plan and covers all the family members, including spouses, children, and older people.

Key Features

• The family members share the sum assured of a family health insurance

• You get coverage for expenses related to hospitalisation, surgeries, treatment, etc.

• The premium is lower as compared to individual health policy.

Senior Citizen Plan

This plan is specifically designed for people over 65 years of age. When you buy this policy, you also receive benefits like Domiciliary Hospitalisation and Psychiatric benefits as a part of the policy.

Key Features

• It is recommended for people between the age of 65-70 years

• The premium is higher as older people are more susceptible to illnesses

• It covers hospitalisation expenses and medicines costs.

Now that you know the different types of health insurance in Salem, it is also crucial to familiarise yourself with what is included and what is excluded in a policy.

Inclusions in Policy

• Day Care Treatments

Specific medical treatments or surgeries are completed within 24 hours. Medical insurance covers the expenses of all such short procedures.

• Pre & Post Hospitalisation

All the expenses that you incur before getting hospitalised, like consultations, tests, etc., up to 30, 60, or 90 days, are covered under the insurance. It also covers the post hospitalisation which includes medicines, follow-ups, physiotherapy, etc.

• Domiciliary Hospitalisation

If the hospital is out of beds or if the patient cannot be transferred to the hospital, the doctor may advise home treatment. Tata AIG covers all the expenses covered for such a treatment.

• In-Patient Hospitalisation

All the expenses that are incurred during the hospitalisation of 24 hours or more are covered by insurance.

Some other inclusions are ambulance costs, organ donor expenses, preventive check-ups, and COVID-19 treatment.

Exclusions in Policy

• Pre-Existing Illnesses

If you have any illness or condition before buying the policy, it will not be covered under the health policy. However, depending on various factors, it may be covered after a specific waiting period.

Expenses Related to Dental, Vision, & Hearing

Expenses related to dental, Vision and Hearing are excluded from most health insurance plans.

• Suicide Attempt

There will be no insurance assistance in case a person harms himself by attempting suicide or inflicting himself with injuries.

• Cosmetic Procedure

Any procedure or surgery that is cosmetic, like lips enhancement, Botox, rhinoplasty, etc., will not be covered by any health insurance policy.

A few other exclusions include HIV AIDS, obesity treatment, infertility treatment, alternative therapies, pregnancy or related conditions.

Having the best mediclaim policy in Salem is of paramount importance in dealing with health emergencies. However, before buying one, it is necessary to consider a few factors so you can choose the most appropriate one.

• Age Factor- The age plays a very crucial role when buying an insurance policy. If you want to take a family policy, the insurance premium depends on the age of the oldest family member.

• Waiting Period- If you want to buy insurance for pre-**existing disease or maternity benefits, there is a waiting period during which you cannot raise a claim. The waiting period differs from company to company and policy to policy.

• Balancing the Premium and Coverage- Buying a policy with a low premium can be lucrative. However, the reduced premium must not come at the cost of reduced insurance coverage. You must opt for a policy that strikes the right balance of premium and coverage.

• No Claim Bonus- NCB is a discount awarded by the insurance company for no-**claim policy years. It is offered as an inclusion in the coverage. One must carefully study the NCB clause before purchasing the policy.

• **Pre and Post-Hospitalisation Coverage- Different insurance companies have different terms and policies regarding pre and post-**hospitalisation expenses. Ensure that the policy you choose covers expenses like tests, doctor visits, etc.

• Claim Process- Opt for health insurance companies in Salem that have a hassle-**free and straightforward claim process. You can check online to get genuine reviews to get a fair idea about it.

Buying medical insurance online provides you with an array of benefits which may otherwise not be available:

• Easy Access to Information- It is necessary to know all the crucial terms and conditions of the policy. Buying a health insurance plan online, gives you access to all the details about the policy on the internet, allowing you to make a wise decision.

• Eliminates Middlemen- When you purchase a policy online directly from the company, no agents and intermediaries are involved. You save money on commission, and your decision is not influenced by them.

• Provides Convenience- Buying the best medical insurance in Salem online offers plenty of convenience. You can get all the necessary information on the internet without having to step out of the house and it also saves you from being stranded in long waiting queues.

• **Instant Policy Receipt-**As soon as you make the payment online, you receive the policy within a few minutes of completing the process, saving you precious time.

The following benefits make Tata AIG the best health insurance for you:

• Smooth Purchase Process- There are no complicated procedures and requirements for buying insurance from Tata AIG. You can get health insurance in a few simple steps.

• No System of Co-Pay- Tata AIG insurance policies provide for complete coverage of expenses as per the sum insured. You do not have to worry about paying out of your pocket.

• Cashless Claim Facility- When you buy health insurance from Tata AIG, you have the benefit of a cashless claim facility. You need not go through the hassle of filling out the form, preserving the bills, etc.

• Alternative Treatments are Covered- You can get the sum insured even if you undergo a treatment other than allopathy. It provides expenses for homoeopathy or Ayurveda.

• Wide Coverage- The sum insured covers all the expenses from the beginning, including OPD visits, ambulance charges, pre-**hospitalisation, surgery, post surgery, medication, etc.

• Lifelong Cover- Tata AIG provides you with broad coverage as long as you require. Unlike other health insurance companies in Salem, we allow you to enjoy the benefit of a policy for extended periods.

• At Tata AIG we strive to provide you with the most beneficial insurance plans by offering some unique and advantageous features:

• Our policies provide for high-end diagnostics, including MRI, biopsies, etc., up to ₹25,000 per policy year on a predetermined basis.

• You can enjoy maternity cover (after a 4-year waiting period) and get a sum insured of ₹50,000 for a boy child and ₹60,000 for a girl child.

• Get dental treatment cover up to ₹10,000 (after two consecutive policy years) for root canals, fillings, etc.

• You can benefit from the cashless claim facility at any hospital of your choice all across the country.

• You can claim tax benefits under section 80D of the Income Tax Act, 1961.

• No claim bonus reward.

• Complete coverage for the day care process that lasts less than 24 hours.

• Coverage for Covid-19.

• Facility to remove the limit from hospital room rent expenses (to the extent of the sum insured).

Steps to Buy Tata AIG Health Insurance Online:

Go to our official website and from the Home page, select ‘Health Insurance’.

Select the members for whom you wish to buy the policy and press “get Plan.’

Next, provide the personal details and select ‘See Plan.’

Choose the medical plan that suits your and your family’s requirements.

Pay the premium online and get the policy issued in a few minutes.

Steps to Renew Tata AIG Health Insurance Online:

Visit the Tata AIG website.

On the Homepage, click 'Health' and then choose the members whose policy you wish to renew.

Click on ‘Renew Existing Tata AIG Policy.’

On the next page, provide the policy number and click ‘Renew.’

Pay the premium amount and it's done!

Documents Required to Buy Tata AIG Health Insurance in Salem

Age Proof (Aadhar card, PAN card, Passport, etc)

Identity Proof (Aadhar card, Driving licence, Voters ID)

Address proof (Driving licence, ration card, PAN card, Passport)

Passport-size photograph

Cancelled blank cheque

Signed and filled proposal form

You can file a health insurance claim with Tata AIG in two ways: reimbursement or cashless.

Reimbursement Claim Settlement Process:

• Under a reimbursement claim, the policyholder must pay for the complete hospitalisation and other expenses and then get a reimbursement from us.

• Open the Tata AIG claim support page and initiate a reimbursement claim.

• Let us know when and where you will receive the treatment.

• After the treatment, you can pay the bills.

• Fill up a reimbursement form and submit it along with the medical bills, invoices, and other documents.

• After verifying the documents and bills we shall process the reimbursement.

Documents Required for Reimbursement Claim

• Signed and correctly filled out the claim form.

• Insurance policy copy or card

• Hospital discharge card

• Medical certificate from the doctor

• Original bills and receipt

• Pathological reports, etc.

• Original pharmacy bills

• Investigation report

• FIR (in case of an accident)

• NEFT details for transferring the claim amount

• Duly filled KYC form (if a claim is above ₹1,00,000)

Cashless claim settlement process:

• Visit our claims page and raise a cashless claim request. You can also notify us via a phone call.

• You can get the treatment in any hospital. In case it is an emergency, you must notify us within 48 hours of hospitalisation. In case of planned treatment, you must inform us 48 hours prior to hospitalisation.

• After we receive the letter for a cashless claim, we shall notify the hospital and issue you a confirmation letter.

• You must submit the letter along with the health insurance card and other documents. You will receive a cashless service at the hospital.

As per the old rules of the IRDAI, if a policyholder wanted to avail of the cashless facility, they had to visit a network hospital of the insurer. However, as per the new rules, policyholders can now visit any hospital of their choice in Salem and the rest of the country and get a cashless claim facility. If you reside in Salem and are looking for a cashless facility with Tata AIG, you can get admitted to any hospital, whether network or non-network. You can follow the simple claim steps mentioned above and get a cashless claim from Tata AIG.