Tata AIG Health Insurance
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*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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Overview of Tata AIG Health Insurance
Tata AIG Health Insurance plans are offered by the Tata AIG General Insurance Company. The company was started as a combined venture between India’s Tata group and the American International Group (AIG) in January 2001. The company offers a variety of health insurance plans with customized plans for COVID-19, critical illnesses and maternity coverage.
The Tata AIG General Insurance Company has an in-house claims team that helps to settle claims quickly. The company also enjoys an incurred claim ratio of 86.53% (2021-22), which speaks volumes about the company’s financial standing.
Choose Tata AIG Health Insurance Coverage of Your Choice
TATA AIG Health Insurance Plans
Tata AIG Health Insurance plans have been designed to cover the insured against a wide range of medical emergencies. Here is a list of Tata AIG health insurance plans that are available in the market:
The Tata AIG Medicare plan offers all-round medical coverage to individuals and families with the sum insured amount ranging from Rs 3 lakh to 20 lakh.
Features & Benefits
- Both in-patient treatment and day care procedures are covered within India and abroad
- Restore benefits as well as consumables benefits are available
- Cost of bariatric surgery and a second medical opinion are also covered
- Compassionate travel and vaccination covers are also available
- No pre-policy medical check-up is required for up to 45 years
- 50% cumulative bonus for up to 100% available for every claim-free year
- Preventive health check-up facilities available after every two claim-free years
The Tata AIG Medicare Premier plan provides the right mix of coverage benefits to ensure comprehensive coverage for all medical needs. The plan is available with a sum insured of Rs 5 lakh to Rs 50 lakh.
Features & Benefits
- Coverage for in-patient treatment and high-end diagnostics are available
- Maternity expenses and OPD treatment are covered after a waiting period
- Compassionate travel and global cover are also available
- Air ambulance service and accidental death benefits are also available
- No pre-policy check-up is required for up to 45 years
- 100% automatic restoration of the sum insured is available
- 50% cumulative bonus for up to 100% is granted for every claim-free year
The Tata AIG Medicare Protect plan is a basic health insurance policy that covers the insured against planned and emergency hospitalization. It comes with a sum insured of Rs 2 lakh to Rs 5 lakh.
Features & Benefits
- Coverage for in-patient treatment and domiciliary treatment are available
- Preventive health check-up facility is available after every 3 claim-free year
- Consumables benefit and AYUSH benefit are also available
- No pre-policy check-up is required for up to 45 years
- 100% restoration of the sum insured available under the restore benefit
- 10% cumulative bonus for every claim-free year is available
- Optional accidental death rider can also be purchased
The Tata AIG Medicare Plus plan provides comprehensive coverage to the insured along with deductible options. It also comes with wider sum insured options ranging from Rs 3 lakh to Rs 1 crore.
Features & Benefits
- Cost of in-patient treatment and day care procedures are covered
- Coverage for both pre and post-hospitalization expenses are covered
- Preventive health check-up facility available after every two claim-free year
- Second opinion and consumables benefits are also available
- Pre-policy medical check-up is not required for up to 45 years
- 50% cumulative bonus granted for every claim-free year
- Option to choose global cover is also available
The Tata AIG Criti Medicare plan is a critical illness insurance policy designed to provide coverage for up to 100 critical illnesses. The plan is available in five sections – Critical Illness, Cancer 360 Degree Indemnity Cover, Hospital Cash, Wellsurance Benefit (Optional) and Personal Accident.
Features & Benefits
- Sum insured amount ranges from Rs 5 lakh to Rs 2 crore
- Coverage for chemotherapy and radiotherapy are available
- Second medical opinion cover is also available
- Global cover under Cancer 360 Degree is also available
- Annual health check-up facility available for every claim-free year
- Hospital cash benefit for in-patient hospitalization and ICU is available
- Option to choose zero survival period, 7 days or 15 days
The Tata AIG Maternal Care policy- Sakhi is a maternity insurance plan that offers coverage for delivery expenses and other pregnancy-related procedures. The policy comes with a waiting period of 90 days.
Features & Benefits
- Coverage for in-patient hospitalization is available
- Cost of institutional delivery is covered
- ICU daily cash and high-risk pregnancy check-up benefits are also available
- Maternal complications, including septic shock, epilepsy, etc. are covered
- Surgical complications, including ectopic pregnancy, are covered
- Coverage for congenital anomalies are also available
- Family transportation benefit is also provided
The Tata AIG Personal Accident and Loss of Job plan provides financial coverage in case of unforeseen events like accidents and loss of job.
Features & Benefits
- Coverage for the accidental death of the insured is available
- Sudden disappearance of the insured is also covered
- Employment resignation due to permanent/temporary disability is covered
- Comes with lifelong renewability
Tata AIG Home Guard Plus is a unique plan that offers coverage for critical illnesses, personal accidents, fire, burglary and theft. The plan is available with a sum insured amount ranging from Rs 1 lakh to Rs 3 crore.
Features & Benefits
- 9 critical illnesses, including cancer, are covered
- Coverage for accidental death and permanent total disability are covered
- Education benefit is also provided for the insured’s children
- Involuntary loss of employment cover is also available
- Coverage for fire and natural calamities available for the insured’s house
- Burglary and theft cover is available for the contents of the insured’s house
- No pre-policy medical check-up is required for up to 55 years
Why Should You Buy Tata AIG Health Insurance Plans?
Check out some of the reasons why you must buy a Tata AIG health insurance plan:
- No Room Rent Limit – Unlike most plans, Tata AIG health insurance plans do not come with any sub-limits on hospital room rent and offer coverage up to the sum insured limit.
- Hassle-free Claim Process – With more than 650 claim experts, the insurance company settles claim requests swiftly, which are filed through a seamless online process involving minimal paperwork.
- No Co-Pay – These health plans do not come with any co-payment clause and thus, reduce the out-of-pocket expenses of the policyholder during claim settlement.
- Medical Coverage for NRIs – Tata AIG health insurance plans for NRIs are ideal to cover the medical expenses of non-resident Indians during their visit to India.
- Tax Benefits – The premium paid towards buying a Tata AIG health insurance policy is eligible for tax deductions under Sec 80D of the Income Tax Act.
- Round the Clock Customer Assistance – The insurer comes with a dedicated customer support team, which is available for assistance 24x7.
How to File a Claim with a Tata AIG Health Insurance Plan?
Follow the steps given below to file a cashless claim with Tata AIG Health Insurance:
Inform the Insurance Company
Intimate Tata AIG General Insurance Company about your planned hospitalization at least 5 days in advance. In case of emergency hospitalization, inform the insurer within 24 hours.
Display Your Documents
Display your insurance card and ID proof at the network hospital
Request for Pre-authorization
The hospital will send your cashless claim request form to the insurer for pre-authorization.
Get Cashless Treatment Approval
After verifying the documents, the insurer will pre-authorize your cashless treatment.
Claim Settlement
Once your treatment is done, the insurance company will settle the hospital bill with the network hospital.
In case you are admitted to a non-network hospital, you will have to pay the entire hospital bill and send all the necessary documents to the insurance company. They will verify the documents and pay you the claim amount within 21 days.
Documents Required for Tata AIG Health Insurance Claim
The following documents must be submitted at the time of raising a Tata AIG health insurance claim:
- Duly filled health insurance claim form
- Copy of the health policy or insurance card
- Medical certificate signed by the doctor
- Tests reports, such as X-ray reports
- Hospital discharge card
- Original hospital bills and payment receipts
- Original medicine bills
- NEFT details for claim payment
- Copy of FIR/MLC (in the case of accidental claims)
- Duly filled CKYC form (for claims of above Rs 1 lakh)
- Investigation report (if any)
Tata AIG Health Insurance Network Hospitals
Tata AIG health insurance policyholders can avail cashless hospitalization facilities at a network hospital of the insurance company. Check out the list of network hospitals of Tata AIG General Insurance Company in different cities below:
How to Buy Tata AIG Health Insurance Plans?
Here’s a step-by-step guide to buying an online Tata AIG health insurance plan:
Step 1: Visit the official website of Policybazaar Insurance Brokers Pvt. Ltd.
Step 2: Click on the ‘Health Insurance’ icon
Step 3: Select the people to be insured and enter their age
Step 4: Provide your basic contact details, like city, name, phone number, etc.
Step 5: Choose if you have an existing illness or medical history
Step 6: Select the Tata AIG health insurance plan to be purchased
Step 7: Pay the premium amount online
Step 8: The policy will be issued within a few minutes.
How to Renew Tata AIG Health Insurance Plans?
Check out the steps to renew your Tata AIG health insurance plan online on Policybazaar.com:
Step 1: If you are a registered user, click on the ‘Renew Your Policy’ tab on the homepage
Step 2: Select on the ‘Health Renewal’ option and enter your mobile number and OTP to login
Step 3: If you are new to Policybazaar, click on the ‘Health Insurance’ icon on the homepage
Step 4: Enter the requested information along with your contact details
Step 5: Choose the policy to be renewed from the list of plans
Step 6: Pay the renewal premium online
Step 7: The policy will be renewed instantly.
How to Calculate Tata AIG Health Insurance Premium?
The Tata AIG health insurance premium can be easily calculated with the help of a premium calculator by entering basic details, such as the sum insured, policy year, city, etc. You can use the Tata AIG health insurance premium calculator given below to calculate the annual premium of a policy.
Contact Details of Tata AIG Health Insurance
Check out the contact details of Tata AIG General Insurance Company below:
| Categories | Contact Details |
| Toll-free No | 1800-266-7780 |
| WhatsApp No | +91 91361 60375 |
| Email Id | customersupport@tataaig.com |
Tata AIG Health Insurance- FAQs
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Q1. Is Tata AIG health Insurance cashless?
Ans: Yes. Tata AIG health insurance plans provide cashless hospitalization facilities at all the empanelled hospitals across India within its network.
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Q2. Which plan covers OPD treatment in Tata AIG?
Ans: The Tata AIG Medicare Premier plan offers OPD treatment cover after a waiting period of 2 years. -
Q3. Does Tata AIG cover pre-existing diseases?
Ans: Yes. Tata AIG health insurance plans provide coverage for pre-existing diseases after a waiting period of 2 years.
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Q4. Where can I get the Tata AIG health insurance hospital list?
Ans: You can get the Tata AIG health insurance cashless hospital list with your policy document as well as on Policybazaar.com.
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Q5. Can I cancel Tata AIG policy?
Ans: Yes. You can contact Tata AIG health insurance customer care to cancel your health policy. If you cancel the policy within the first 15 days of buying, then no cancellation fee will be charged. But if you cancel the policy after this free look period, a cancellation fee will apply.
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