Health Insurance in Tamil Nadu

Modern-day lifestyles have been going through several changes to adapt to a routine job culture. It has exposed people to lifestyle disorders such as obesity that can cause severe illnesses in the future.

Health-related issues have become a major source of concern for Tamil Nadu residents, just like other major cities in recent years. With the rising health issues come the financial stress of medical inflation. Therefore, it has become imperative to purchase the best health insurance in Tamil Nadu for your family as a proactive measure for peaceful living.

With the best mediclaim policy in Tamil Nadu, you can cover medical expenses for the treatment of any disease or illness, hospitalisation, pre and post-hospitalisation expenses and also ensure the benefits of cashless treatment.

At Tata AIG, we offer a host of health insurance plans for you to choose from according to your requirements and budget.

At Tata AIG, we offer different types of health insurance plans in Tamil Nadu, catering to the diverse needs of the people and their families.

Individual Health Insurance Plan

In an individual health insurance policy, the entire sum insured is used to cover the medical expenses of a single individual.

It offers extensive coverage, and the premium for such health insurance plans depends on the individual's age, health issues, medical history, and the sum insured.

Family Health Insurance Plan

In a family health insurance plan, an entire family’s medical expenses can be covered under one health policy.

The sum insured under health insurance plans for a family can be utilised to cover the medical expenses of the individual members of a family. It is highly affordable compared to purchasing a health insurance plan for every separate individual.

You can compare different family health insurance plans and their customisable features to decide on the best mediclaim policy for your family in Tamil Nadu.

Senior Citizen Health Insurance Plan

A senior citizen health plan is exclusively designed to cover the medical expenses of senior citizens, individuals above 60 years of age.

Senior citizens may have pre-existing illnesses and other serious health concerns with an increase in age. Our Tata AIG Elder Care medical insurance plan can extend tailored coverage for specific health concerns of the older adults in your family.

Critical Illness Insurance Plan

Life-threatening diseases, such as cancer, organ failure, heart ailments, etc., can entail significant medical expenses.

With a critical illness plan, you can cover the medical and hospitalisation expenses incurred towards treating a critical illness. A critical illness insurance plan can be purchased as a separate policy or as a rider for additional coverage.

Super Top-Up Health Insurance Plan

A super top-up health insurance plan becomes handy when your existing health insurance policy coverage gets exhausted.

With our Tata AIG Super Top-Up Health Insurance Plan, you can cover the pre and post-hospitalisation and other medical expenses to the desired extent based on your requirements and also reduce out-of-pocket expenses.

Understanding what a health insurance policy covers and does not cover will help you make a prudent decision. While the inclusions and exclusions can vary, here are a few standard pointers that you can look for in the best health insurance in Tamil Nadu.

Medical Insurance Inclusions

Hospitalisation expenses - A health insurance plan can get you covered for the hospitalisation expenses for the treatment of any illness or medical condition covered under the policy.

Pre-existing illnesses - Pre-existing illnesses are covered under a health insurance plan. However, the coverage gets applicable after the completion of the specific waiting period.

Pre-hospitalisation and Post-hospitalisation expenses - When you are covered under a health insurance policy, the sum insured will be used to cover the medical bills for a specific number of days prior to and after hospitalisation.

AYUSH Cover - Apart from medical expenses incurred towards modern treatment procedures, you can get covered for medical treatment under Ayurveda, Yoga, Unani, Sidha, or Homeopathy.

Ambulance expenses - A health insurance plan can also cover the ambulance expenses when you are on an emergency transit to a hospital.

Daycare Procedures - Daycare procedures requiring less than 24 hours of hospitalisation can also be covered under a health insurance plan.

Optional Covers - Apart from the wide-ranging medical expenses that can be covered under a health insurance policy, you can also include additional covers such as maternity cover, newborn cover, etc., for enhanced coverage benefits.

Medical Insurance Exclusions

Plastic surgery or cosmetic surgery - Surgeries of this kind are excluded unless it is a part of the medical treatment.

Pre-existing diseases before the waiting period - The treatment and medical expenses for a pre-existing disease before the completion of the waiting period will be excluded from the consideration.

Undisclosed health conditions - It is important to reveal your exact health condition and diseases or illnesses that you are suffering from over the past years while purchasing a health insurance policy. If left undisclosed, it can lead to claim rejections later when you are in need.

Other exclusions - Rehabilitation measures, long-term nursing care, vaccination (other than those explicitly covered), sanatorium treatment, etc are generally not covered in a health insurance policy.

Get Adequate Sum Assured

The primary reason for purchasing a health plan is to protect your finances. This means you can avail quality treatment from the best hospital without having to deplete your savings. As a result, you should look for a plan that provides a large sum insured that you can effectively use to pay your medical bills as and when they arise.

Add Riders

The ideal health insurance policy should include a base plan as well as some riders. Riders are optional covers that can be purchased for an additional fee. Look for the best riders and customise your plan so that you get the most out of your health insurance policy.

Check for the Insurer's Reputation

A plan's features alone do not make it the best health insurance policy. The insurance company also plays a major role. You should look for an insurer who is approachable and helpful when purchasing a policy. In addition, the insurer should have a good customer service system, a competitive claim settlement ratio and an overall positive rating.

Check the Network Hospitals

All health insurance plans have hospital affiliations. These are referred to as network hospitals. Examine the network hospital list to ensure that your preferred hospital is included.

This will allow you to receive treatment under the plan in a location that is convenient for you and also avail of cashless claims in a few simple steps.

It is important to note here that cashless claims have been made available to all authorised hospitals in India, although with slightly detailed documentation, and are not restricted only to network hospitals.

Get a Comprehensive Cover

Last but not least, look for a well-rounded cover. The cheapest plan isn't always the best plan. You should read the fine print and determine which features are most appropriate for you.

For example, examine the exclusions, the waiting period clauses, and so on. Then, choose the plan that you believe will provide the best coverage benefits. This is a good rule to keep in mind when looking for the best individual health insurance and the best family health insurance.

Ensure to compare health insurance plans based on their features and benefits also to determine an affordable solution for your health insurance coverage requirements.

Note: When purchasing a health insurance plan, be truthful about your health condition and requirements. Keep your financial condition and budget in mind and buy an affordable plan. When you combine these factors with the ones mentioned above, you will definitely find the best health insurance policy for your entire family.

With Tata AIG's premier and seamless online service options, you can buy a health insurance plan at your convenience from the comfort of your home.

Here is why you need to consider buying a health insurance policy online.

Ease of access- Purchasing health insurance online is the most convenient option to access and choose the best health insurance plans.

You can navigate through wide-ranging health insurance policies and compare their features and benefits with the premium to determine the most suitable health insurance policy.

Simple and quick – When you choose to buy a health insurance policy online, you can avoid gathering the necessary documents to complete the detailed documentation procedures.

You can visit our Tata AIG official website for health insurance, choose the applicable options, provide and upload the necessary details, and pay the premium to get coverage almost instantly.

Cost-effective option – Purchasing a health insurance policy online can help you avoid paying brokerage charges that may be unwarranted. Additionally, we offer discounts on health insurance premiums purchased online on account of saving administrative costs.

At Tata AIG, we are committed to providing the best in class and quality healthcare services. Here is why Tata AIG can be a suitable choice for your medical insurance needs:

Go Cashless Everywhere – Tata AIG offers cashless claim treatment facilities across all authorised hospitals in India.

While the process is simpler in our network of hospitals of over 10,000+ across India, it is accessible at other hospitals with a slightly detailed documentation process. We will settle the hospital bills directly, allowing you to focus on your recovery solely.

High Claim Settlement Ratio – We have streamlined all our processes to offer a simple and hassle-free online experience for claim settlement.

In addition, our customer service executive team is available 24 x 7 to assist you with your clarifications. A claim settlement ratio of 96.70% for the FY 2023-24 reflects our sheer dedication and efforts.

Unbelievable discounts – In addition to offering health insurance plans at competitive prices, we also offer wide-ranging discounts. For family health insurance plans, the discounts increase with the number of members covered. With our Tata AIG Medicare, the discounts will increase with the number of policy years covered.

Appealing add-on covers – We also offer wide-ranging add-on covers such as maternity cover, newborn cover, etc., to enhance your health insurance coverage benefits for you and your family.

Tata AIG offers health insurance plans catering to different categories of people with unique requirements.

Buying and renewing your Tata AIG Medicare plans can be done in a few simple steps online. It is extremely user-friendly, cost-effective, and less time-consuming.

How to Buy Tata AIG's Health Insurance in Tamil Nadu?

Visit our official Tata AIG website.

Under the "All Products" tab, scroll over "Health Insurance".

Choose a suitable product and the person(s) to be insured.

Click on "Get plan".

Provide basic details, such as your name, date of birth, email address, etc.

Follow the next steps as prompted by the screen and get an instant premium quote.

If you are satisfied, you can proceed to make the premium payment.

How to Renew Tata AIG's Health Insurance in Tamil Nadu?

Visit our official Tata AIG website.

Under the "Renewal" tab, select "Health".

Provide your policy number and click on "Renew".

Provide the necessary details, modify the health policy, if required and proceed to make the premium payment.

Documents Required to Buy Tata AIG Health Insurance in Tamil Nadu

Proposal form - Duly filled and signed

Proof of Identity, such as PAN Card, Aadhar Card, etc.

Proof of Residence, such as Aadhar Card, Voter ID Card, etc.

Proof of Income – Bank statements, salary payslips, etc.

Cancelled cheque

At Tata AIG, we offer seamless online processes to initiate a claim. It avoids the detailed documentation procedures that can take long hours, especially during an emergency.

How to File a Cashless Claim?

If you have opted for a cashless claim, you can walk into any applicable hospital and initiate the claim in the following steps:

Visit our Claims Process page and click on 'Initiate Claim'.

Choose 'Health' as the product and proceed to Login. You can call our 24 x 7 customer helpline number for any assistance.

Provide the necessary details, choose cashless claims, and submit the claim request.

Upon verifying your request, we will approve the claim amount.

With that confirmation, you can approach the hospital for further processes.

After the completion of the treatment, we will pay for the expenses directly to the hospital.

How to File a Reimbursement Claim?

If you want to pay for the expenses first and get the expenses reimbursed, you can do that as well by initiating a reimbursement claim. Visit any applicable hospital and proceed with the following steps:

Visit our Claims Process page and click on 'Initiate Claim'.

Choose 'Health' as the product and proceed to Login. You can call our 24 x 7 customer helpline number for any assistance.

Provide the necessary details, choose reimbursement claims, and submit the claim request.

Upload the necessary documents, hospital bills and receipts and submit the claim request.

After the verification, we will reimburse the claim amount to the approved limit and disburse the funds.

Documents Required for Reimbursement Claim

Claim form - Duly filled and signed

Health insurance policy document

Medical Reports

The Medical Certificate signed by the medical practitioner

Discharge Summary

Hospital bills and receipts

A cancelled cheque

Cashless claim services were previously applicable only to Tata AIG's network of hospitals.

With the recent introduction of the "Cashless Everywhere" initiative by the General Insurance Council (GIC), cashless medical treatment has been extended to any authorised hospital across India, irrespective of whether it is a part of our network.

Therefore, based on the latest guidelines of the Insurance Regulatory and Development Authority of India (IRDAI), we offer cashless claim benefits for our policyholders at any approved hospital. So, you can go cashless everywhere with our Tata AIG health insurance in Tamil Nadu.