Tata AIG Health Insurance

TATA AIG Health Insurance overview

Tata AIG General Insurance Company Limited offers a wide range of general insurance products. TATA AIG, a joint collaboration between TATA, a trusted name in India and an American Company AIG, market leader in insurance as well as financial services. TATA AIG has specially designed one of the most important general insurance plans, which is best health insurance plans. Health, being the biggest asset in any individuals’ life, needs full protection against any unanticipated situations and hence TAT AIG steps with its various health insurance plans for doing the same.

List Of TATA AIG Health Insurance Policy:

• Tata AIG MediPrime Health Plan
• Tata AIG Wellsurance Executive Plan
• Tata AIG Wellsurance Family Plan
• Tata AIG Wellsurance Woman Plan
• Tata AIG Critical Illness Plan
• Tata AIG Individual Accident and Sickness Hospital Cash Plan
• TATA AIG MediPlus Health Plan
• TATA AIG MediSenior Health Plan
• TATA AIG MediRaksha Health Plan
• TATA AIG Group Accident and Sickness Hospital Cash Plan.

Now lets have an overview of each of the plans as mentioned above.

MediPrime Health Insurance Plan by TATA AIG

MediPrime is a cashless health insurance plan with no additional expenses borned by the policyholder or his/her family members.

Features & Benefits

The main features of the plan are:

• It’s a transparent cashless mediclaim plan which settles in 4 hours.
• No co-pay is required.
• Medicals are not needed on enrollment upto 50 years and/or for sum assured upto 5 lakhs.
• Cashless hospitalization can be done in more than 3000 network hospitals. A list of hospitals can be obtained from the website of TATA AIG www.tataaiginsurance.in.
• All inclusive hospitalization coverage without any sub limits for

1. Day care procedure expenses-  It will cover 140 different Day Care procedures which do not require 24 hrs hospitalization due to technical advancement.
2. Room & ICU charges.
3. Domiciliary treatment- For availing treatment at own’s residence which would otherwise have required hospitalization.
4. Organ Donor expenses- Under this, medical expenses will be covered for surgery and storage of organ for the donor for organ transplantation.

• In case of a claim, the subsequent renewal will not include any loading.
• One can get tax benefit as per section 80D of the Income Tax Act.
• Free look period of 15 days available to the applicant – One can cancel the policy stating the reason for cancellation and the  premium amount will be refunded after adjusting any expenses incurred on medical check ups, stamp duty chares and proportionate risk premiums.
• Enhancement of Sum Insured- The sum insured can be increased at the time of renewal .But the same will be at the discretion of the company as per their underwriting rules and regulations.
• At the time of renewal, a Grace Period of 30 days is available to Policyholder, but coverage will not be given for the time for which no premium has been received.
• Lifelong renewal is provided, but the premium has to paid without any gap prior to policy expiry or within the grace period.
• There is a choice to transfer to similar indemnity health insurance plans.
• Policy term available is 1 year and 2 years . For the second option there is a discount on the premium.
• Premium can be calculated online. For example a person aged 40 years, sum insured Rs 200000/- for 1 year will have to pay Rs 3757/- per year as premium under this plan. Under Family Floater plan the eldest  person aged 40 years, sum insured Rs 500000/- for 2 years and with family size 2 adults and 2 children  will have to pay Rs 33460/- every two  years as premium under this plan
•   The benefits offered under MediPrime Insurance Plan: In Patient treatment, Pre & Post hospitalization, day care procedures, domiciliary treatments, organ donor expenses, emergency ambulance are available under sum insured  for Rs 2 , 3, 4, 5, 7.5 and 10 lakhs. Ayush Benefit for Homeopathy treatment is available upto maximum of Rs 20000/- for Rs 2-Rs 4 lakhs sum insured and upto Rs 25000/- for Rs 5, 7.5 and Rs 10 lakhs sum insured.

Eligibility

• Proposers of minimum 18 years and Maximum is 65 year and  a child its 91 days to 21 years can be covered under this plan.

TATA AIG Wellsurance Executive Plan

It’s a tailor made and a robust health insurance plan which takes care of the health for the busy officials or executives.  Amongst all the plans, this plan is extremely well thought and made in such a way that it takes care of a particular and a very important segment of the society.

Features & Benefits

• Fixed lump sum benefit is paid for the following:

1. Cover hospitalization, ICU admission and specific minor / major surgeries.
2. Diagnosis of any one of the 9 critical covered critical illness.
3. Post hospitalization include recovery benefit, outpatient expenses.

• Exclusive Wellsurance plans : Under 3 category namely Classic, Supreme and Elite plans.

The benefits under this can be classified as under

1. Hospitalization benefits upto 90 days and ICU benefits upto 15 days.
2. Diagnosed Critical Illness (waiting period 90 days, survival period 30 days.
3. Major Surgeries.
4. Post  Hospitalization benefits.

• Wellsurance Advantage  includes:

1. Health Portal access which is designed exclusively to gather knowledge about various health articles to create awareness and start practicing Preventive Care.
2. Health Helpline- Specialized physicians are available to help on health & wellness related information.
3. Health query
4. Discounted services for health and wellness.
5. E-news letter.

• This plan is available online for purchasing.

Eligibility

Proposers of minimum 18 years and Maximum is 65 year can be covered under this plan.

TATA AIG Wellsurance Family Policy

Wellsurance Family Health Plan is specially designed to look after each and every member of the family so that in any unforeseen circumstances or emergencies, one need not worry about the finance.

Features & Benefits

• Fixed lump sum benefit is paid for the following:

1. Cover hospitalization, ICU admission and recovery benefit.
2. Diagnosis of any one of the 11 critical covered critical illness. The coverage will continue under this plan, for remaining critical illnesses even after claiming benefit for diagnosed critical illness.
3. Last but not the least, children’s education benefit in case accident/ death/ permanent disability of the policy holder.

• Exclusive Wellsurance Family Plan : Under 3 category namely Classic, Supreme and Elite plans.

The benefits under this can be classified as under.

1. Diagnosed Critical Illness (waiting period 90 days, survival period 30 days).
2. Hospital cash benefit upto 90 days ( per day) , deductible 1 day.
3. Ambulance charges
4. ICU benefit Maximum for 15 days ( per day)
5. Recovery Benefit  which is payable after a continuous hospitalization for 5 days.
6. Education Benefit.

Wellsurance Advantage includes:

1. Health Portal access which is designed exclusively to gather knowledge about various health articles to create awareness and start practicing Preventive Care.
2. Health Helpline- Specialized physicians are available to help on health & wellness related information.
3. Health query
4. Discounted services for health and wellness.
5. E-news letter.

• This plan is available online for purchasing.

Eligibility

• Proposers of minimum  18 years and Maximum is 65 year and  a child its 6 months to 18 years and 23 years in case studying for higher education can be covered under this plan.

TATA AIG Wellsurance Woman Plans:

A policy that is specifically made for today’s women who are extremely busy now a days to manage both home and office in a balanced manner. This pan takes total care and well being of  every such women.

Features & Benefits

• Fixed lump sum benefit is paid for the following:

1. Recovery benefit.
2. Diagnosis of any one of the 11 critical covered critical illness. The coverage will be higher under this policy in case of cancer.
3. Daily hospital cash benefit
4. A Higher hospital cash limit for ICU /CCU admissions.
5. In case of accidental injuries, Cosmetic Reconstruction Surgery Benefit is also available under this policy.

• Exclusive Wellsurance Woman Plan : Under 3 category namely Classic, Supreme and Elite plans.

The benefits under this can be classified as under.

1. Diagnosed Critical Illness (waiting period 90 days, survival period 30 days).
2. Hospital cash benefit upto 90 days ( per day) , deductible 1 day.
3. Ambulance charges
4. ICU benefit Maximum for 15 days ( per day)
5. Recovery Benefit which is payable after a continuous hospitalization for 5 days.
6. Education Benefit.
7. Cosmetic Reconstruction Surgery Benefit

Wellsurance Advantages includes:

1. Health Portal access which is designed exclusively to gather knowledge about various health articles to create awareness and start practicing Preventive Care.
2. Health Helpline- Specialized physicians are available to help on health & wellness related information.
3. Health query
4. Discounted services for health and wellness.
5. E-news letter.

• Available online for purchasing.

Eligibility

• Women of minimum  18 years and Maximum is 65 year can be covered under this policy.

TATA AIG Critical Illness Policy

In today’s world, critical illnesses have become a very common phenomenon which could hamper one’s health anytime. Critical Illness Policy is therefore made to protect individuals against such emergencies and unexpected expenses as well.

Features & Benefits

• Under critical Illness Benefit, fixed lump sum benefit is paid for:

1. Diagnosis of any one of the 11 critical covered critical illness.
2. Second option Benefit
3. Sum Insured enhancement.

Eligibility

• Proposers of minimum  18 years and Maximum is 65 year can be covered under this plan.

TATA AIg Individual Accident and Sickness Hospital Cash Plan

Escalated costs, inflation and more risk exposure are a few common phenomenons in today’s life. This particular plan is a wonderful complement for one’s health insurance plans which takes care of the long duration stay in hospitals, high expenses and requirement of specialized treatments.

Features & Benefits

• Pre policy check up is not required.
• For accidents and sicknesses, a daily benefit hospitalization.
• Hospitalization cash benefit upto 180 days in case of accidents and sicknesses.
• Flexibility in choosing various options at 5 different levels.
• Sum Insured enhancement.
•  Under this plan, the benefits under this can be classified as under.

1. In hospital Indemnity for accidents.
2. In hospital Indemnity for sickness.
3. Accident Medical Expense Reimbursement.

Eligibility

• Proposers of minimum  6 months  and Maximum is 65 year can be covered under this plan.

TATA AIG MediPlus Health Plan

This policy offers the benefit of top up the present health insurance plan at a reasonably priced insurance premium.

Features & Benefits

This plan is for a tenor of 1 year or 2 years .

• Pre and Post hospitalization expenses incurred up to 60 days immediately before hospitalization and upto90 days immediately after release are covered under this plan.
• In-patient hospitalization which includes room rent, ICU, nursing, medicines.
• Various 140 Day care expenses.
• Domiciliary treatment.
• Organ Door.
• Portability.
• Ambulance cost is covered

Eligibility

• Proposers of minimum 91 days and Maximum is 65 years can be covered under this plan. Unmarried dependant child aged between 91 days and 21 years  are also covered under this

plan. Child between 91 days to 5 years can be insured only when either of the parents is getting insured under this plan.

TATA AIG MediSenior Health Insurance Plan

A specially tailor made health insurance plan for Senior Citizens who requires special attention in terms of their health in today’s world where the cost of living is rising almost every day.

Features & Benefits

This plan is for a tenor of 1 year or 2 years .

• Pre and Post hospitalization expenses incurred up to 60 days immediately before hospitalization and upto90 days immediately after release are covered under this plan.
• In-patient hospitalization which includes room rent, ICU, nursing, medicines.
• Various 140 Day care expenses.
• Domiciliary treatment.
• Organ Door.
• Portability.
• Ambulance cost is covered

Eligibility

• Proposers of minimum 61 years and above can be covered under this plan.

TATA AIG MediRaksha Health Insurance Plan:

This is a very fundamental health insurance plan which takes care of one’s unanticipated illness, medical exigencies, sudden fund requirement and surgical treatments.

Features & Benefits

• Cashless facility provided in more than 2000 plus network hospitals.
• Upto 55 years no medical is required.
• In case of claim, no loading on premium is applicable.
• Timely settlements of claims.
• Family discount of10% if 2 or more family members are covered under this plan under the same policy on individual sum insured basis.
• Renewal incentive for examples free health check up. .
• This plan is for a tenor of 1 year or 2 years but one can get an attractive 7.5% discount if the premium for 2 years are paid in advance as a single premium.
• In-patient hospitalization which includes room rent, ICU, nursing, medicines.
• Various 144 Day care expenses.
• Health check up.
• Organ Door.
• Portability.

Eligibility

• Proposers of minimum  18 years and Maximum is 65 year can be covered under this plan. child aged between 91 days and 21 years  are also covered under this plan.

TATA AIG Group Accident and Sickness Hospital Cash Policy:

One can get accident health cover and sickness health insurance cover under this plan. With our fast running life , stress , inactive lifestyles , high road accidents, seeking medical assistance becomes a necessity at all times. This plan provides the cover under all these uncertainties.

Features & Benefits

• Pre Policy health check up is not required under this plan.
• A daily benefit for accidents and sickness hospitalization.
• Hospitalization cash benefit upto 180 days in case of accident s and sicknesses.
• Flexibility in choosing various options at 5 different levels.
• The benefits under this plan can be categorized as follows:

1. In hospital Indemnity for accidents.
2. In hospital Indemnity for sickness.
3. Accident Medical Expense Reimbursement.
4. 1 day deductible and 90 days waiting period for Sickness Hospital cash.
5. Deductible 5% of benefit amount for Accident Medical Expense Reimbursement.
6. In case of the insured and the spouse, the coverage will be 100% and 50% in case of children.

Eligibility

• Proposers of minimum  6 months and Maximum is 65 year can be covered under this plan

Common Benefits under all TATA AIG Health Insurance plans

All the plans as mentioned above have some common benefits like

• Tax benefit under section 80D
• Lifelong renewal provided all premiums are plain regularly.
• Migrate or transfer can be done to any other insurer with other plans.
• Cashless hospitalization for  3000+ network hospitals.
• Zero sub limits on expenses covering inpatient treatment, day care expenses, domiciliary treatments and organ donor expenses.
• Sum Insured Enhancement.
• Grace Period of 30 days is available to Policyholder, but coverage will not be given for the time for which no premium has been received.
• Freelook period where one can cancel the policy within 15 days from the receipt of the policy documents.

Tata AIG Health Insurance- FAQs

1. How to pay a premium? What are the modes of payment available?

The Tata AIG General Insurance Company offers 2 modes of premium payment namely:

• Cash payment at the branch
• Online Payment

For the online payment mode, the policyholder can pay via;

• Credit Card
• Debit Card
• Net banking

2. How can I check policy status for Tata AIG health insurance?

Registered users can login to portal with their username and password to check the policy status.

3. What is the policy renewal process for Tata AIG health insurance?

Step1: Enter your Policy Number, Expiry Date and Client ID into Renew Online portal
Step2: Calculate the premium
Step3: Select the payment option –Net Banking or Debit/Credit Card
Step4: Save/print the premium deposit receipt
Alternatively, you can pay via cash/cheque at any of the nearest branch.

4. What is the company’s process to settle claim for Tata AIG health insurance?

You can register your claim online.
Upon successful completion of formalities within 7 working days the claim is settled.

5. What is the policy cancellation process for Tata AIG health insurance?

Submit your policy with surrender form to your nearest branch. The refund will be directly credited into your account and the policy will stand cancelled, upon successful completion of documents.

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