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How to Check Tata AIG General Insurance Claim Status?

The Tata group has collaborated with the American International Group and created the Tata AIG General Insurance Company Limited. In this venture, the Tata Group has about 51 percent stake while AIG holds the rest of the 49 percent. Tata AIG General Insurance Limited began operations in January 2002 in India. It offers different types of insurance policies to corporate as well as individuals. The types of insurance products it offers include insurance for automobile, housing, accident, travel, energy, marine, and property, among others.

The company offers these insurance products through various distribution channels including agents, brokers, through tie-ups with leading banks as well as through various direct marketing channels including telemarketing and digital marketing.

Tata AIG General Insurance

Tata AIG General Insurance has over 16 years of experience in the Indian insurance sector. Over these 16 years, it has launched and continued to offer several innovative insurance products that have proven to be highly beneficial for both individuals and corporate alike. The company has got around 450 customer service representatives who are adept at handling and resolving various requests and queries. These representatives operate across India providing top-notch customer service to the policyholders.

The Tata AIG General Insurance Company has employed over 2833 staff across 152 branches throughout the country. It offers different insurance policies and products that have served its customers, unlike any other. These policies are offered at reasonable premium rates and are proven to be satisfactory to its customers.

Documents Required for Processing Different Tata AIG General Insurance Policies

Just like any other insurance company or provider, Tata AIG General Insurance also requires several documents to process different insurance policies. These documents are broadly classified as age proof, address proof, proof of identity, proof of income, registration certificates, and flight tickets in case you are buying travel insurance. When purchasing any of the Tata AIG General Insurance policies, the applicant must provide a valid age proof. These may include PAN Card, Aadhaar Card, Voter ID, Birth Certificate, and more. These age proofs, along with the applicant's passport, also serve as identity proofs.

Additionally, the applicant must also provide a valid income proof which can include employer's certificate, income tax returns, or even salary slips. He or she must also provide a valid registration certificate or his/her driving license along with these documents. Flight tickets are required to be produced only in case the applicant is buying travel insurance.

Tata AIG General Insurance Plans/Policies

Tata AIG General Insurance offers a host of insurance policies to its customers. These robust insurance policies/plans range from motor insurance, health insurance, and travel insurance plans, to more personal general insurance plans like individual or personal accident insurance plans, private client insurance and policies coming under various Government schemes.

Different types of insurance plans offer different benefits. For instance, motor insurance offers coverage benefits like third-party liability insurance as well as for unexpected circumstances including fires, theft or burglaries, and accidents. Most of the motor insurance policies offered by Tata AIG provide coverage ranging between one and three years and assure sums of money up to INR 2Lakhs. They also come with various add-ons which cover for things like costs for repair or replacement of damaged parts of the vehicle, insurance against death or any bodily injuries sustained during an accident, personal accident covers, coverage against any personal damage and third-party liability coverage.

Similarly, travel insurance policies help you cover various expenses when you travel. These may include cover for loss or theft of baggage, loss or theft of important travel documents like passports, student Visa charges, reimbursement of accommodation expenses, and medical benefits and hospitalization expenses among others.

There are also various health insurance policies offered by the insurance company, covering for any medical emergencies, hospitalization charges, and critical illnesses. These plans also offer special rates for women as well as family discounts of up to 10 percent. Additionally, they also provide top-up plans which cover expenses for pre-hospitalization as well as post-hospitalization.

The Process Involved in Making Claims Under Tata AIG General Insurance

If the policyholder wishes to make claims under Tata AIG General Insurance, then he or she should inform the same to the insurance company at least 24 hours beforehand or even earlier if possible so that they can process the claims. To claim the insurance money, the policyholder must submit a duly filled claim form and send it across to the insurance company through mail along with the required documents. Once the company has verified all the documents as well as the claim form, it will then proceed towards processing the claims. This happens only if the documents, as well as the details provided in the application form, are found to be satisfactory.

Settling claims is not an easy process and can take up to a month. If you want to receive your claim on time, then there should be no room for any investigations. Also, if there are delays in the claim settlement process, the insurance company is liable to pay you interest at prevailing bank interest rates along with an additional 2 %.

Exclusions for Claims under Tata AIG General Insurance

Merely submitting the claim form along with the documents doesn't make you eligible for insurance claims under Tata AIG General Insurance. There are a few exceptions to the claim process. In general, you are not eligible to claim if:

  • Death occurs by committing suicide or any injuries sustained due to attempted suicide.
  • Claims which arise due to alcohol or drug abuse.
  • Death due to nuclear radiation or energy.
  • Any injuries, disablement or even death due to a pre-existing medical condition.
  • The policyholder is affected by HIV/AIDS.
  • A female policyholder is pregnant or has given birth.

Process for renewing various Tata AIG General Insurance Plans

If a policyholder wishes to renew his or her insurance plan from Tata AIG General Insurance, then he or she should logon to the website of Tata AIG General Insurance, click on the 'Renew Policy' tab, select the policy he or she wishes to renew, enter his or her mobile number as well as the policy number, and then click on 'Proceed' to make the online payment.

Advantages of choosing Tata AIG General Insurance

There are several advantages of choosing Tata AIG General Insurance over other, similar insurance providers. For example, Tata AIG General Insurance offers a 15-day free trial which helps customers review the policies and make decisions to purchase them only if they're satisfied. One of the other important advantages is Tata AIG offers tax benefits for several of its health insurance policies under Section 80(D) of the Income Tax Act of 1961. It also offers life-long renewal for various policies if the premiums are duly paid on time without any gap.

Additionally, under several of its motor insurance plans, the policyholder can get his/her car picked up for free in case it needs to be repaired and delivered to the garage. Similarly, for several of its health insurance policies, medical check-ups or investigations are not required if the entry age of the policyholder is below 50 years.

Various motor insurance plans under the Tata AIG General Insurance also offer the No Claim Bonus (NCB) benefit which can be used to avail discounts on the premiums.

Tata AIG General Insurance Premium Payment Procedures

There are typically two ways in which a policyholder can pay the premium for various insurance policies under the Tata AIG General Insurance Company limited. These include both online and offline payments.

Online Payment Procedure

The online payment facility is available to all the policyholders of Tata AIG General Insurance. It is regarded as the most convenient way of making payments for the premiums. All the policyholders must logon to the official website of Tata AIG General Insurance, select the insurance policy he/ she has bought from the given options, click on 'make a payment,' and pay the premium using his/her credit card or debit card. This is a hassle-free way to make the payments, which only involves a few clicks.

Offline Payment Procedure

Tata AIG General Insurance also offers offline payment facilities for those who want to make payments through old-school methods. These facilities include drop boxes, check or cash collection centers, payment collection centers, paying by visiting the branches of the company, paying agents representing Tata AIG General Insurance, buying via phone and making the payments through banks, retail houses or any other commercial ventures who are channel partners with the Tata AIG General Insurance Company.

Bottom Line

Therefore, the Tata AIG General Insurance Company is India's best and most preferred insurance provider. It is one of the unmatched, class general insurance providers to the people of India. It strives to provide value to its customers, employees, shareholders, as well as various of its business partners using fair, consistent, and transparent business practices. So, Tata AIG General Insurance helps its customers manage various financial stresses in life by offering different types of non-life or general insurance policies.