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TATA AIG Health Insurance

Tata AIG GI Company works in collaboration between American International and the TATA Group. The insurer commenced its operation in the year 2001. Since then it has earned a popular name in the insurance industry. TATA AIG offers a host of general insurance services for individuals and businesses. It has a range of comprehensive insurance products such as Tata AIG health insurance, Tata AIG travel insurance, Tata AIG personal accident insurance, Tata AIG liability insurance, Motor Insurance, Home Insurance, Rural Insurance products among others.

Tata AIG Health Insurance at a Glance

Key Features Highlights
Incurred Claim Ratio 72.32%
Network Hospitals 3000+
Renewability Lifelong
Waiting Period 4 years

Features of Tata AIG Health Insurance

  • Wide Network of hospitals– Tata AIG has tie-ups with some of the best hospitals in India. You can avail cashless treatment in more than 3000 hospitals across India. By showing your photo Id and health card, you can easily avail cashless treatment at any of the network hospitals. You can check the Tata AIG network hospital list on their site.
  • Optional Two-year Policy Term– Opting for a longer tenure is a good idea. It is economical and convenient. Furthermore, the insurer offers a discount on the premium as well.
  • Lifelong Renewability– The plans come with lifelong renewability where you can enjoy the policy benefits without any break. At a certain age, the new premium will be decided based on the revised age and no extra loading will be charged if there is any claim.
  • Smooth Claim-settlement Process- Tata AIG health insurance ensures a hassle-free and quick settlement of claims so that the insured can focus on recovery of health and timely submit of all the relevant documents rather wasting time on managing the funds.
  • Tax Savings– As per Sec. 80D of IT Act, 1961 you can avail tax saving benefits on medical insurance plans However, tax benefits tend to change as per income tax laws.

 Tata AIG Health Insurance Plans Comparison Table

Plan Name Entry Age Criteria Sum Assured (Rs.) Renewal Pre-existing Illnesses
Tata AIG MediPrime Health Insurance Plan 18 to 65 years Rs. 2 to 10 lakhs Lifetime 48 months
Tata AIG MediRaksha Plan Adults: 18 to 65 years

Dependent Children:  91 days to 21 years

Rs. 50,000 to RS. 1 lakh Lifetime 2 years
Tata AIG Wellsurance Family Plan 18 to 65 years Rs. 2 to 4 lakhs   4 years
Tata AIG MediSenior Plan 61 years & above Rs. 2, 3 & 5 lakhs Lifetime 2 years
Tata AIG Wellsurance Executive Plan 18 to 65 years Rs. 3 to 7.5 lakhs Pre-existing illnesses – 4 years

A waiting period of 90 days for critical illnesses

Tata AIG Wellsurance Women Plan 18 to 65 years Lifetime 4 years
Tata AIG MediPlus Plan 91 days to 65 years Rs. 5 lakhs Lifetime 2 years
Tata AIG Critical Illness Plan 18 to 65 years Rs. 2.5 to 15 lakhs Lifetime Waiting period of 90 days for critical illnesses

Types of Tata AIG Health Insurance Plans

Tata AIG health insurance provides the following medical insurance plans-

  1. Tata AIG MediPrime Health Insurance Plan– The plan covers medical expenses incurred 30 days prior to hospitalization and 60 days after the discharge. It also covers expenses incurred on Ayush treatment, Ayurveda, Unani and Homeopathy treatment.
  2. Tata AIG MediRaksha Plan- This plan will cover you and your family against medical emergencies including the cost of surgical treatments and hospitalization.
  3. Tata AIG Wellsurance Family Plan – It covers 11 critical illnesses listed in the policy. In the event of an accidental death and permanent disabilities of the sole earner of the family, children’s education benefit is also provided.
  4. Tata AIG Wellsurance Executive Plan– The plan covers 9 critical illnesses and certain specified major & minor surgeries.
  5. Tata AIG MediSenior Plan– This plan is designed for senior citizens above the age of 61 years. It covers kidney transplants expenses apart from other organ transplant expenses.
  6. Tata AIG Wellsurance Women Plan– It covers 11 critical illnesses including cancer. It also compensates for cosmetic reconstructive surgeries in case of accidental injuries.
  7. Tata AIG MediPlus Plan- It is a top-up plan that can cover up to 7 members. In a single plan you can get coverage for yourself, your parents, three children, and your spouse.
  8. Tata AIG Critical Illness Plan- It covers up to 11 critical illnesses and provides second opinion benefit as well.

Benefits of Tata AIG Health Insurance Plans

You select from a host of TATA AIG medical insurance plans, however, some of the advantages of buying a Tata AIG mediclaim policy are elucidated below-

  • Pre and Post Hospitalization Expenses: It covers the expenses incurred 30 days before hospitalisation and 60 days post hospitalisation. There are certain plans that provide an option to extend the coverage period up to 60 days before hospitalisation and 90 days post hospitalisation. The only condition is that the documents should be submitted in the stipulated time.
  • TATA AIG medical insurance plans cover in-patient treatment expenses. The policy covers you for the expenses incurred in room rent, Intensive Care Unit, nursing cost, medicines and drugs & consumables with no sub-limits.
  • Day Care Treatment: Daycare treatment expenses are also reimbursed where 24 hours of hospitalisation is not necessary.
  • Domiciliary Treatment: Tata AIG health insurance plans also cover the expenses incurred for getting medical treatment at home on the advice of the medical practitioner.
  • Organ Donor Expenses: Medical expenses of an organ donor are also covered in some of the plans.
  • Cost of Dental Treatment: Medical costs of any dental treatment availed from a Dentist will be reimbursed, provided it is an accidental injury.
  • Ayush Benefit: There are plans that reimburse the medical costs incurred on Unani, Ayurveda, Siddha or Homeopathy treatment up to a specified limit.

Tata AIG Health Insurance Claim Procedure

Claim for TATA AIG health insurance plans can be filed in two ways- Cashless claim and Reimbursement claim. Let’s have a look at the process:

TATA AIG Health Insurance Cashless Claims Procedure

Whether it is an emergency or a planned hospitalization, you don’t need to fret about the hospital bills. Avail cashless hospital facility at a network hospital. In case of a planned hospitalization, inform the insurer 48 hours prior to the hospitalization. If it is an emergency hospitalization than inform the insurer within 24 hours of hospitalization. Check with the TPA Dept. of Tata AIG for approval. The TPA will assist with the following formalities to claim:

  • Submit the relevant documents
  • The TPA will verify the documents
  • If the request is confirmed the same will be communicated to you and the hospital
  • After completing all the formalities, your claim will be settled as per the terms and conditions of the insurer.

TATA AIG Health Insurance Reimbursement Claim

If your cashless request doesn’t get approved or you have availed the treatment from a non-network hospital, settle the hospital bills on your own. You can make a reimbursement claim by notifying the TPA within 48 hours of the admission if it was a planned hospitalization. You have to inform within 24 hours in case of an emergency hospitalization. You will have to follow the below procedure to get the claim amount-

  • Clear all the dues at the hospital
  • Call the TPA of Tata AIG at 1-800-11-9966 or 1800-266-7780.
  • You should keep all the relevant information handy including policy number, contact number, the name of the policyholder, hospitalisation date, location or loss, type of loss, place and contact details of the person getting admitted, FIR of police in case of an accidental hospitalisation etc.
  • Submit all the relevant documents to the TPA

TATA AIG Health Insurance Renewal

Tata AIG Medical Insurance Renewal is an easy process. Follow the below mentioned steps to renew your Tata AIG mediclaim policy-

  • Visit the official website of Tata AIG Insurance company
  • Go to the renewal tab
  • Choose your insurance type from the given options
  • Provide relevant information like contact number, policy number etc.
  • You can calculate the premium online or look for various quotes
  • If you’re satisfied with the current plan, proceed to the payment option
  • Pay the premium through available options such as credit card/Debit card/Net banking
  • Enjoy the policy benefits uninterruptedly.

Coverage of TATA AIG Health Insurance

There are a number of plans that are available; however, some of the common inclusions are listed below-

  • In-patient expenses such as ICU charges, nursing charges, room rent expenses and cost of medicine will be covered
  • Pre-hospitalisation expenses and post-hospitalization expenses are covered for a specified period
  • Daycare procedures where hospitalization is only required for less than 24 hours are also covered ( as per the policy terms)
  • Organ donor expenses are also covered
  • Pre-existing illnesses are covered after completion of 4 years of the policy period
  • Convalescence benefit
  • Specific illnesses are covered after completion of 2 years of the policy period

Limitations of TATA AIG Health Insurance

Tata AIG will not accept your claims arising out of any of the below-mentioned reasons-

  • Self-inflicted injuries and suicidal attempt are not covered
  • AIDS, sexually transmitted disease and venereal diseases are not covered
  • Pre-existing disease are not covered before a waiting period of 4 years
  • Any illnesses diagnosed during the initial 30 days of policy issuance date
  • Obesity treatments
  • Treatment other than allopathy is not covered
  • Joint replacement surgeries until the completion of 4 years of waiting period
  • Cosmetic surgeries
  • Experimental treatments will not be covered
  • Hospitalization resulting due to war conditions and involvement in hazardous/sports activities
  • Health conditions resulting from an overdose of alcohol or drugs
  • Treatment-related to depression and mental disorders

How to Calculate TATA AIG Health Insurance Premium?

Tata AIG health insurance premium is calculated on the basis of the below-mentioned factors –

  1. Sum insured limit
  2. of insured members
  3. Coverages opted
  4. Age of the insured members

Using the Tata AIG health insurance premium calculator you can calculate the premium online in a matter of a few seconds.

Why Buy TATA AIG Health Insurance Policy?

Tata AIG medical insurance provides a number of health insurance plans to cater to the specific needs of its customers. Depending on your need, you can buy Tata AIG senior citizen health insurance plan, critical illness insurance plan, individual or family floater plans, there is a specific plan for women as well.

All the plans are uniquely designed to provide you maximum coverage at an affordable cost.  Protect yourself and your loved ones by opting for any of the Tata AIG health insurance plans as per your needs.

Documents Required for TATA AIG Health Insurance Claims

At the time of reimbursing your money, the following documents need to be submitted:

In the case of hospital cash or medical benefits

  • Duly filled and signed the claim form
  • Report from the consulting doctor
  • Discharge report including the treatment details
  • Prescription bills
  • X-ray reports or pathological reports, if any

In case of weekly benefits:

  • Duly filled and signed the claim form
  • Report from the consulting doctor
  • Disability certificate, if any
  • Lab reports
  • In the case of hospitalisation submit the original discharge report
  • Employer’s leave certificate mentioning your designation, if you are a salaried employee
  • Latest salary certificate

TATA AIG Health Insurance FAQs

Q1. What are the benefits of buying Tata AIG health insurance policy?

The advantages of getting a Tata AIG health insurance policy are-

  • It provides cashless hospitalization in 3000 hospitals
  • It recompenses inpatient hospitalization expenses
  • Insurance is available for both individuals and corporates

Q2. Can I buy Tata AIG Health insurance online?

 It is an easy and convenient process to buy any of the Tata AIG health insurance plans online. Just enter the following details to start with the process-

  • Your Gender
  • Geographical area code
  • Number of members insured
  • Click on ‘Get Quote’ button

Q3. What are the advantages of buying MediSenior – Tata AIG Senior citizen health insurance plan?

You can buy this policy for your parents above 61 years of age. The best part is that it covers organ transplant expenses. You can also earn a discount of 7.5% on the premium if you buy a plan for 2 years. It covers hospitalization expenses as well as treatment taken at home (as per the policy terms).

Q4. What expenses are not covered in Tata AIG health insurance plans?

Tata AIG can reject claims arising due to the below reasons-

  • In the event of suicidal attempt and self-inflicted injuries
  • Medical conditions such as AIDS/HIV
  • Treatment required for congenital anomalies
  • Health ailments arising due to the intake of drugs and overdose of alcohol
  • Hospitalization induced due to war conditions, rebellions, nuclear weapons and  exposure to r radioactive elements

Q5. Do I get tax benefits on buying a Tata AIG medical insurance plan?

You are eligible to get tax benefits as per Sec. 80/D of the Income Tax Act.

Q6. What are the benefits of buying Tata AIG Mediprime Health Insurance Plan?

Anyone between 18 to 65 years of age can buy this plan. The sum insured ranges between Rs. 2 lakhs and 10 lakhs. Pre-medical screening is only required after 45 years of age. The plan is available in both individual and floater variant.  The policy can be purchased for 1 to 2 years and allows lifetime renewability.