TATA AIG Critical Illness Policy

This is a special health insurance policy that offers a lump sum payment on diagnosis of certain critical illnesses so that the policy holder can use the money for treatment of the disease. This policy aims to cover major illnesses which can otherwise become a drain on a family's finances. It can be bought along with the basic health policy for an enhanced coverage in worst situation.

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TATA AIG Critical Illness Policy

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    TATA AIG Health Insurance at a Glance:

    Key Features

    Highlights

    Network Hospitals

    3000+

    Incurred Claim Ratio

    60.68

    Renewability

    Lifelong

    Waiting Period

    4 years

    Key Features

    • Cashless hospitalization at 5000+ hospitals
    • Lifelong renewal provided premium is paid without any break.
    • Coverage for 11 specified critical illness
    • No medical test or examination required to enroll into the policy
    • Can be purchased in addition to any basic mediclaim or health insurance policy
    • Lumpsum benefit is given to the policyholder if diagnosed with any of the 11 critical illness
    • Coverage amount ranging from Rs.2.5 lacs to Rs.15 lacs
    • Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.
    • Free Look Period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy

    Details About Premium

    Annual premium in Rupees

     


    Sum Insured (in Rs)

     

    Age (in years)

    2.5 lakh

    3.5 lakh

    5 lakh

    7.5 lakh

    10 lakh

    15 lakh

    18-24

    936

    1270

    1777

    2581

    3366

    4880

    25-29

    1263

    1714

    2581

    3483

    4543

    6587

    30-34

    1704

    2314

    3237

    4702

    6133

    8892

    35-39

    2471

    3355

    4694

    6818

    8892

    12894

    40-44

    4345

    6038

    8448

    12271

    16006

    23209

    45-49

    7781

    10566

    14783

    21474

    28009

    40613

    50-54

    12449

    16905

    23652

    34357

    44814

    64980

    55-59

    19918

    27048

    37843

    54971

    71702

    103967

    60-64

    38639

    54094

    77277

    115914

    154552

    231828

    Policy Details

    Minimum sum assured – 2.5 lakhs

    Maximum sum assured – 15 lakhs

    Coverage type: Individual

    No claim bonus: none

    Grace period: 30 days for renewing the Policy. However, coverage would not be available for the period for which no premium has been received.

    Policy termination: 3 months prior to the expiry of the policy

    Additional Features Or Riders

    • Sum Assured can be enhanced at the time of  renewal
    • Wellsurance Health Perks -  Discounts on selected health check up packages at our wide range of network hospitals
    • Policyholders can get a second opinion from Tata AIG’s empanelled doctor’s in the US for free of cost
    • Option to choose coverage of 6 different levels
    • Critical illness plan provides world-wide protection cover for 365 days of the year

    Exclusions

    • Pre existing diseases are not covered for the first 4 years
    • Treatment done in the first 30 days from the commencement of the policy, unless the treatment is done as a result of accident or emergency. This is referred to as a waiting period.
    • Any illness or disease contracted due to intake of alcohol/drugs or other addictive substances will not be covered.
    • The waiting period for specific conditions will be 24 months Any pre-existing condition will be covered after a waiting period of 48 months
    • Any treatment which begins during waiting periods except Accident related / War / Intentional self injury or attempted suicide / Abuse of drugs and alcohol and nicotine addiction/ Sleep Apnoea / Treatment of Obesity / Maternity / Psychiatric or mental disorders / Congenital diseases / Conditions which arise out of HIV/AIDS / etc.

    Documents Required

    A policyholder has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.

    Eligibility

    Entry age for the policyholder, spouse and parents is 18 years to 65 years with lifetime renewal option.

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