TATA AIG Health Insurance

Tata AIG 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.

 

TATA AIG Health Insurance at a Glance:

Key Features

Highlights

Network Hospitals

3000+

Incurred Claim Ratio

60.68

Renewability

Lifelong

Waiting Period

4 years


List Of TATA AIG Health Insurance Policy:

  • 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.

  • 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

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

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

Tata AIG Health Insurance - Latest News

  • Health Plan Medicare Introduced by TATA AIG

    Medicare - health insurance plan has been introduced by TATA AIG General Insurance Company in three variants, namely, MediCare Premier, MediCare Protect, and MediCare.

    The new policy offers a global coverage to the entire sum assured value that gives the customers a choice of availing the treatment anywhere across the globe, basis the ailment was diagnosed in India and the policyholder travels to foreign soil for the medical procedure. The basic sum assured is refunded automatically if the sum insured is exhausted during the term of the policy. Bariatric surgery to treat weight control and obesity is also covered under the health insurance policy. It also offers an accrued bonus of 50% of the sum assured for every claim free year.

    Each insurance product variant aids the customers get a quality health care in over 4, 000 hospitals across the globe. TATA AIG health insurance policy covers more than 540 day-care surgeries that include maternity cover, first year vaccination expenses cover and organ donation.

    It also offers cover against pre-hospitalisation and post-hospitalisation expenses, along with accident, illness, dental treatment, surgeries, and hearing aid charges.

  • Tata AIG Insurance and Vakrangee alliance took shares up by 2%

    Shares of Vakrangee grew by 2 % as the company exposed its business alliance with Tata AIG GIC, which is a JV between Tata Group of companies and AIG (American International Group). This tie-up will assist in distributing value general insurance products theough the distribution network of Vakrangee.

    According to the stock exchange filing, this tie-up will ensure easy access to quality general insurance products offered by Tata AIG GIC for the citizens in underserved and un-served areas. The company will be publishing its 3rd quarter results (i.e. the quarter ended December 31, 2015) on February 6, 2016.

    Presently, the share price of Vakrangee has been recorded as Rs 185.2, an increase of Rs 2.45 equivalent to 1.34 % increment from its earlier closing of Rs. 182.75 on the BSE.

Written By: PolicyBazaar - Updated: 12 November 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 3 Reviews)

Tata AIG Health Insurance Reviews & Ratings

4.7 / 5 (Based on 3 Reviews)
(Showing Newest 3 reviews)
Rohit
Nawada, July 12, 2016
Above Average
The tata aia health insurance policy is great. Policy coverage is maximum and the claims are good. Service is fast and on time. The large number of hospitals are there for good service. Ambulance is facilitate for free of cost. Claiming is simple and hassle free documentations due to quick service.
Arnav
Bengaluru, July 12, 2016
Coverage Is Good
My health insurance plan is good. The premium of the plan is low and the claims are easy to get due to fast service facilitate by the executives and staff members. The policy coverage is high ~90% and the online service makes easy renewals.
Payal
Allahabad, December 20, 2015
Good service!!!
I have health insurance policy with TATA AIG general insurance. I have claimed it twice and I got quick reimbursement as TATA AIG customer service has promised to me. Paper work was hassle free and premiums were also less. I am paying 250 rupees for my individual health insurance. They have tie up with majority of good hospitals in the city.

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