TMB Bank Health Insurance

TMB Bank health insurance provides medical coverage against planned and emergency treatments of TMB Bank account holders. It is available in association with various insurance companies in India and is customized to meet the health needs of bank customers. However, the policy is valid as long as the customer has an ongoing TMB Bank account and the bank maintains its partnership with the insurance company.

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      TMB Bank Health Insurance: Key Highlights

      Categories Specifications
      Pre-existing Diseases Day 1 coverage available
      Validity of TMB Bank Health Insurance Plans 1. As long as the customer has an active TMB Bank account
      2. As long as the TMB Bank has a collaboration with the insurance company
      Riders May not be available
      Premium Payment Premium amount deducted automatically from the customer’s TMB Bank account
      Tax Benefits Offered under Section 80D, Income Tax Act

      Disclaimer: The PED waiting period may vary depending on the terms and conditions of the TMB Bank health insurance policy.

      Benefits of TMB Bank Health Insurance

      Here are the benefits of buying a TMB Bank health insurance policy:

      1. Pocket-Friendly Premiums

        Generally, TMB Bank health insurance plans are available for more affordable premiums than regular retail health plans. This happens because the bank collaborates with the insurance company to offer mediclaim policies at a cost-effective price. Besides, the bank may provide special discounts and offers on these plans, making them more pocket-friendly. 

      2. Day 1 PED Coverage

        Pre-existing diseases (PED), such as hypertension, diabetes, asthma, etc., may be covered from day 1 under most TMB Bank medical insurance policies. This allows bank customers to file a health insurance claim for pre-existing diseases without serving any waiting period.

      3. Automatic Payment of Premiums

        Premiums for a TMB Bank health insurance scheme are automatically debited from the bank account of the customer. This enables customers to pay their premiums on time without the hassle of remembering the policy due date.

      4. No Need for Insurance Agents

        TMB Bank customers do not need the help of an insurance agent to buy a health insurance policy. They can simply reach out to their trusted bank for any queries and choose a plan that aligns with their health needs.

      5. More Convenient

        The process of purchasing a mediclaim policy from TMB Bank is more convenient and time-saving than buying it from the insurance company. This is because the bank already has all the customer’s KYC details, speeding up the buying process and making it hassle-free.

      List of Plans Offered by TMB Bank Health Insurance

      Check out the health insurance plan offered by the TMB Bank:

      TMB Bank Health Insurance Plans Sum Insured (₹) Ideal For
      United India Family Medicare Plan 3 lakh to 25 lakh Families

      Note: The above TMB Bank health insurance plans are as of June 17, 2025. Please contact the bank to get the list of medical insurance plans offered by Cholamandalam MS General Insurance Company and Zurich Kotak General Insurance Company.

      What is Covered by TMB Bank Health Insurance?

      TMB Bank health insurance provides coverage for the following:

      Note: The exact coverage may vary from one TMB Bank health insurance plan to another.

      What is Not Covered by TMB Bank Health Insurance?

      The following medical expenses are not covered by TMB Bank health insurance:

      • Dietary supplements and substances
      • Obesity and weight-control procedures
      • Sterility and infertility treatments
      • Injuries due to participation in hazardous/adventure sports
      • Treatment for alcohol, drug or substance addiction
      • Cosmetic or plastic surgery
      • Unproven treatments

      Things to Keep in Mind While Buying a TMB Bank Health Insurance Plan

      TMB Bank customers should keep the following things in mind while purchasing medical insurance:

      • Validity – A TMB Bank mediclaim policy is valid as long as the customer has an operational bank account and the bank has a tie-up with the insurance company.
      • Coverage – Coverage available under TMB Bank health insurance plans may be limited as compared to regular retail health plans due to cost-effective premiums.
      • Riders – TMB Bank customer may not have the option of adding health insurance riders to their mediclaim policy, unlike retail health plans.
      • Insurance Companies – Customers have a restricted list of insurance companies to choose from under Bank health insurance vs personal retail health insurance.

      TMB Bank Health Insurance: FAQs

      • Q1. Can I buy health insurance from TMB Bank?

        Ans: Yes. You can buy a health insurance policy from TMB Bank.
      • Q2. How can I check my TMB Bank health insurance policy status?

        Ans: You can check the status of your Saraswat Bank health insurance policy on the official website of the associated insurer or by contacting the customer care team.
      • Q3. Where can I get the TMB Bank health insurance claim form?

        Ans: You can get the TMB Bank health insurance claim form on the associated insurer’s official website or by requesting their customer care team.
      • Q4. What is the TMB Bank health insurance contact number?

        Ans: The contact number for TMB Bank health insurance is 1800-425-0426.
      • Q5. Which insurer partners with TMB Bank?

        Ans: Cholamandalam MS General Insurance Company, United India Insurance Company and Zurich Kotak General Insurance Company are the insurance partners of TMB Bank.
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2027, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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