Tata Aig Health Insurance: Buy Online Now

Know About Tata Aig Health Insurance

Tata is an Indian company and it is a global enterprise which is founded by Jamset Ji Tata in 1868. In the years 2021-2022, Tata Group's gross worth was INR 9.6 trillion and it currently has 935000 people working with Tata Group.

Tata Aig general insurance company limited is a joint venture between the Tata Group and the American International Group (AIG). In 2001, and has an assent in 2022 approx. INR 21539 Crore. At present 8607 employees are working with Tata Aig general insurance in 213 branches across all over India. Tata Aig has various distribution channels such as 71000+ licensed agents and 550+ licensed brokers. A variety of non-life insurance products are offered by Tata Aig general insurance, including health insurance, motor insurance, travel insurance, home insurance, and commercial insurance. In 2011 Tata Aig wins 2 prestigious awards, one in health insurance and the other one for general insurance by India insurance review In 2013 Tata Aig was awarded by Claims Awards Asia for “General insurer claims team of the year”.

The Tata Aig health insurance plan provides financial protection and reduces all medical expenses. It saves you from all future financial losses arising due to disease & accidents. It offers a lot of benefits with wide coverage. At present the company also covers COVID-19 after 15 days of policy purchase. You will get tax benefit u/s 80D up to INR 75000. There is a free look period of 15 days to go through your policy and change your decision for a better understanding. Let's take a closer look at Tata Aig's top health plans.

Network hospital	8000+	Claim approval time	30 Min.
Claim settlement ratio	96.43%	Claim type	In house claim

TATA AIG Top Health Insurance Plans

1. Medicare premier plan - The Tata Aig Medicare premier plan provide financial protection and reduces all medical expenses. It saves you from all future financial losses arising due to disease & accidents. It offers a lot of benefits with wide coverage. This plan provides coverage starting from 5Lakh to 3Crore sum insured. The medicare premier plan offers several benefits such as lifelong renewal, in-patient treatment, pre & post-hospitalization, restoration benefits, no claim bonus, domiciliary treatment, day care treatment, road ambulance, air ambulance, etc. Rather than this it gives a lot of unique benefits such as global coverage for planned hospitalization, consumable benefit, normal OPD, dental OPD, maternity expense, vaccination, prolonged hospitalization, high & diagnostics, compassionate travel, hearing aid, accidental death benefit and many more. The Medicare premier plan focuses on the requirement of customers & their families. Medicare premier plan provides more protection and security. Because of its features, no one can beat the plan of Tata Aig medicare premier plan. At present the company also covers COVID-19 after 15 days of policy purchase. You will get Tax benefit u/s 80D. There is a free look period of 15 days to go through your policy and change your decision for a better understanding

2. Medicare Plan - The Tata Aig medicare plan provides financial protection and reduces all medical expenses. It saves you from all future financial losses arising due to disease & accidents. It offers a lot of benefits with wide coverage. This plan provides coverage starting from 3Lakh to 20Lakh sum insured. The Medicare plan offers several benefits such as lifelong renewal, in-patient treatment, pre & post hospitalization, restore benefits, no claim bonus, domiciliary treatment, day care treatment, road ambulance, air ambulance, etc. Rather than this it gives a lot of unique benefits such as global coverage for planned hospitalization, consumable benefit, vaccination, compassionate travel, 8 tele consultation (general physician), emergency-24x7 ambulance booking, hearing aid, accidental death benefit and many more. The Medicare plan focuses on the requirement of customers & their families. Medicare plan provides more protection and security. Because of its features, no one can beat the plan of Tata Aig medicare plan. At present the company also covers COVID-19 after 15 days of policy purchase. You will get tax benefits u/s 80D. There is a free look period of 15 days to go through your policy and change your decision for a better understanding.

Eligibility Criteria of Tata Aig Health Insurance

Entry age	91 days to 100 years
Family size	Cover up to 8 members
Plan type	Individual/Family floater
Tenure	1 year, 2 years & 3 Year
Cashless hospitalization	All over India

Unique Features of Tata Aig Health Insurance Plans

Consumable benefit – All non-payable items are covered up to the sum insured.
Daily cash for accompanying an insured child – If a person is hospitalized in a shared room, the company will pay a fixed amount of 0.25% of the base sum insured maximum of up to INR 2000/day.
Daily cash for choosing shared accommodation – If an insured child gets hospitalized whose age is 12 years or less, then the company will pay a fixed amount of 0.25% of the base sum insured maximum of up to INR 2000/day.
Global cover for planned hospitalization – The Company will pay all the expenses of the insured person which is incurred outside India up to the sum insured the disease should be diagnosed in India.
Compassionate travel – If the Person is hospitalized for more than five consecutive days in a place where no adult member of his family is present, the company will cover expenses related to a round-trip economy-class air ticket, or first-class railway ticket. In Medicare premier plan maximum is up to INR 50000 and in Medicare plan maximum is up to INR 20000.
Vaccination cover – The Company will cover animal bite vaccine, typhoid vaccine from the same year & hepatitis B & HPV vaccine after 2 years up to the sum insured in Medicare premier plan/In Medicare plan maximum up to INR 5000.
Hearing aid – The Company will cover expenses for a hearing aid after two-year completion. The maximum amount payable is 50% of the actual cost or INR 10,000/- per policy, whichever is lower.
Maternity cover – The Company will cover maternity expenses of INR 50000 for baby boy birth and INR 60000 for baby girl birth after 4 years of continuous policy.
Delivery complications cover – The Company will cover delivery complications also.
First-year vaccination – The Company will pay for the vaccination expense up to one year, after the birth of a baby.
Prolonged hospitalization – The Company will pay 1% of the sum insured to the customer if he is hospitalized for more than 10 continuous days.
High and diagnostics – The Company will cover expenses incurred for a diagnostics test only on an OPD basis maximum up to INR 25000 to INR 50000.
OPD treatment – The Company will cover normal OPD maximum up to INR 5000 after 2 years.
OPD treatment (dental) – The Company will cover dental OPD maximum up to INR 10000 after 2 years.
Accidental death benefit – If an insured person suffers an accident during the policy period and it cause the death of the insured within 365 days from the date of the accident, then the Company will pay a fixed amount of 100% of the base sum insured.
In-patient treatment (dental) – If a person gets hospitalized for more than 24 hours in case of a dental problem, then the Company will pay for all expenses.
Home physiotherapy – You can arrange 15 physiotherapy sessions at home with our impaneled service providers within India.
Wellness service – i. Unlimited tele-consultation general.
ii. Unlimited teleconsultation – specialist.
iii. Health condition management.
a. Diet & weight management program.
b. Stress management program.
iv. Redeemable voucher/Discount on services.
v. Ambulance booking facility.
vi. Emergency Help me feature.
Wellness program – A wellness program is offered under this plan for maintaining and improving good health and fitness.
Tele consultation- general physician – You can avail of 8 tele consultations (general physician) every year.
Emergency- 24x7 ambulance booking – You can book your emergency ambulance.

Features of Tata Aig Health Insurance Plans

Lifelong renewal - Renew your cover lifelong and stay covered forever.
No sub-limit on room rent - With this health plan you can get the room you like and the treatment you deserve without a hassle.
No geography-based sub-limits - No matter where you buy your policy you can get treated in any city or hospital you like in the country with no additional co-pays or sub-limits.
Hospitalization expenses - Cover medical expenses incurred at the time of hospitalization that include room rent, ICU expenses, nursing expenses, surgeon’s fees road ambulance charges, and so on. It also covers all daycare treatments that require hospitalization for less than 24 hours.
Pre-hospitalization - Medicare premier plan covers medical expenses for 60 days of pre-hospitalization. These cover tests, medicine purchases, and other medical expenses that have been incurred before hospitalization.
Post-hospitalization - The medicare premier plan covers medical expenses for 90 days to 200 days post-hospitalization. These cover tests, medicine purchases, and other medical expenses that have been incurred after discharge.
Daycare treatment - Daycare treatments are those surgery that take hospitalization less than 24 hours like stones, cataracts, dialysis, chemotherapy, radiotherapy etc.
Organ donor expenses – The Company will indemnify the medical expenses incurred for a living organ donor’s treatment as an inpatient for the harvesting of the organ donated.
Domiciliary hospitalization - Secure all medical expenses during domiciliary hospitalization.
Restore benefit - With the restore benefit of the medicare premier plan if any claim, partial or totally is made during the policy period then the 100% sum insured will be restored automatically single time without any additional cost.
No claim bonus - If you are not taken any claim during the policy period then your sum insured will be increased by 50% of the sum insured every year maximum up to 100%.
Robotic surgery - All robotic surgeries such as cholecystectomy, gastric bypass, mediastinal tumor, atrial septal defect repair, coronary artery bypass, etc. are covered up to sum insured.
Modern treatment - All modern treatments such as oral chemotherapy, stem cell therapy, bronchial thermoplasty, genetic diseases or disorders, deep brain stimulation, etc. are covered up to sum insured.
Home care treatment - Cover expenses incurred for treatment taken at home.
Road ambulance - Road ambulance covered up to INR 5000 to INR 30000/hospitalization.
Air ambulance - Air ambulance covered up to INR 5 lakh.
Health check-up - Medicare premier plan provide health check-up from the same year onwards, 1% of the sum insured maximum up to INR 25000.
Ayush treatment – Medicare premier plan covers In-patient hospitalizations expenses even for alternate treatments method. Ayurveda, yoga, naturopathy, Unani, Siddha, and homeopathy.
Bariatric surgery - Bariatric surgery is covered up to the sum insured.
Second e-opinion - The company will provide you with a second opinion from a network provider or medical practitioner if an insured person is diagnosed with critical illnesses during the policy period.
Tax benefits - You can avail of tax benefits for the premium amount under section 80D of the income tax act.
Free look period - Get a 15-day free look period to understand and change your decision.
Long-term discount - Pay for a 2 years policy term and get 5% discount and 10% discount on choosing 3 years policy term.

Add On Covers of Tata Aig Health Insurance Plans

Accidental Death Benefit - If an Insured Person suffers an accident during the policy period and it cause the death of the insured within 365 days from the date of the accident, then the Company will pay a fixed amount of 100% of the base Sum Insured.

Waiting Period of Niva Bupa Health Insurance Plans

Cover from day 1 - Only accidental.
Cover after 30 days - Dengue, malaria, fever, jaundice, typhoid etc.
Cover after 2 years - Stone, hernia, piles, ulcer, fistula, gallbladder, hip & joint replacement, tonsils, ENT surgery, Gyno surgery, etc.
Cover after 3 years – Pre-existing disease such as hypertension, thyroid, asthma, diabetes etc.

Exclusions of TATA AIG Health Insurance

Conflict & Disaster - Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war-like situations, or rebellion.
Breach of law – The company does not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting a breach of law with criminal intent.
Treatment for alcoholism & drug abuse – Treatment for alcoholism, drug or substance abuse or any addictive condition and consequence thereof remain uncovered.
Congenital external disease, defects, or anomalies – The company does not cover medical expenses incurred for congenital external disease defects or anomalies.
Investigation & Evaluation - Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
Unproven Treatments - Expenses related to any unproven treatment, services, and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures, or supplies that lack significant medical documentation to support their electiveness.
Unrecognized Physician or Hospital - Treatment or Medical Advice provided by a Medical Practitioner not recognized by the Medical Council of India or by Central Council of Indian Medicine or by Central Council of Homeopathy.
Costs that are not Reasonable and customary and treatments that are not medically Necessary.

Renewal Process Tata Aig Health Insurance Plans

Life-long Renewal - Get a life-long renewal, regardless of your health status or previous claims made under your policy.
Sum Insured Enhancement - To protect yourself from rising medical expenses, you can enhance your sum insured or add more members of your family to your existing policy at the time of renewal.
Portability and Migration - You can port or migrate your policy at the time of renewal. Please reach out to us for any queries regarding migration and portability.

How to File a Claim Under Tata Aig Health Insurance Plans

You can file a claim in TATA AIG in two ways as mentioned below:

1. Cashless Claim

Intimation – Fill up the pre-authorization form at the network hospital for cashless approval.
Approval/ rejection – Once the hospital intimates the company, the company sends you the status update.
Hospitalization – Hospitalization can be done on the basis of pre-authorization approval.
Claim settlement – At the time of Discharge Company will settle the claim directly with the hospital.

2. Reimbursement

Hospitalization – you need to pay the bills initially and preserve the original invoices.
Register your claim – Post-hospital discharge send to the company all your invoices and documents.
Verification – The company verifies your claim-related invoices and treatment documents.
Claim settlement – The company sends the approved amount to your bank account.

FAQ

Tata AIG health insurance: what are the benefits?

AYUSH Benefit Claim Settlement Ratio Tax Exemption: Cashless Hospitalization Coverage for COVID-19 Treatment Restore Benefits Pre- & Post-hospitalization benefits In-patient Treatment Benefits These are some significant benefits of health insurance schemes that can save you from high expenditures on medical bills and protect you.

Does Tata AIG health insurance have a cashless system?

TATA AIG Health Insurance policies like MediCare include Cashless Health Insurance as a feature. The cashless insurance network consists of more than 8000+ hospitals where one can easily get it. Additionally, our 96.43% claim settlement ratio makes us a trusted and credible insurer.

In Tata AIG health insurance, what is the grace period?

If you are unable to pay your health insurance premium because of some unfavorable circumstances, a grace period gives you a chance to do so. There is usually a grace period of 15 to 30 days with most health insurance providers.

What is the TPA for Tata AIG?

Our health insurance plans are not administered by Third-Party Administrators at Tata AIG.

Under TATA AIG Health Care Policy, what is NCB (No Claim Bonus)?

You are entitled to a discount on your premium in the following year if you do not make a claim within the first year of the policy.