Critical Diseases Covered in Tata AIG Health Insurance Plans – A Complete Guide

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Once you have been diagnosed with an ailment, it can create turbulence in your life and that of your loved ones. You would need to prepare for finance for the treatment of the disease. This may drain out all your savings as healthcare inflation in our country is rising exponentially.

The best way to safeguard your savings is to purchase various health insurance plans for family and yourself. The best health insurance policy will not only take care of your finances but will also give you coverage for an array of diseases. There are various health insurance plans in India. Choosing the best health insurance plan could be a daunting task.

You may consider TATA AIG health insurance plans to stay protected against various diseases. In this article, we will emphasize on the diseases covered by TATA AIG health insurance plans.

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TATA AIG Health Insurance India

TATA AIG Medicare is an esteemed health insurance company in India that offers coverage for various healthcare expenses on ailments. TATA AIG health insurance reimburses all medical bills for hospitalization, surgeries, critical disease-treatment costs, day-care treatment costs, ambulance expenses, maternity expenditures, AYUSH treatment, OPD sessions, etc. The range of the sum insured is between Rs 50,000 and Rs 3 crore.

The company partners with nearly 7200 hospitals in India where you can get cashless facilities for all your treatment procedures. TATA AIG claim settlement ratio is 94.21% for the financial year 2020-21. You can conveniently check the TATA AIG policy status online within the comfort of your home.

TATA AIG health insurance plans are for all, including individuals, senior people, and families. The company also offers tailor-made plans for maternity, COVID-19, and critical illnesses.

Following are the available TATA AIG health insurance plans:

  • Tata AIG Medi Care Plan
  • Tata AIG Medi Care Plus Plan
  • Tata AIG Medi Care Premier Plan
  • Tata AIG Criti Medi Care Plan
  • Tata AIG Medi Care Protect Plan
  • Tata AIG Home Guard Plus Plan
  • Tata AIG Corona Kavach Plan
  • Tata AIG Sakhi Maternal Care Plan
  • Tata AIG Sakhi Maternal Care Micro Plan
  • Tata AIG Aarogya Sanjeevani Plan
  • Tata AIG Personal Accident and Loss of Job Plan

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Diseases Included in TATA AIG Health Plans

1. Critical Illnesses 

You may develop these ailments due to unhealthy lifestyle habits. Stress is also responsible for conditions such as blood pressure, diabetes, heart attack, cancer, and cardiovascular ailments. Even the younger population of the country is currently affected by these health problems which may need prolonged treatment. Hence, your savings may get exhausted after a certain period. But, with the Tata AIG Criti Medicare policy or the Tata AIG Home Guard Plus policy, you can stay protected against a lot of critical ailments like cancer, multiple sclerosis, heart attack, stroke, etc.

2. Cancer  

This fatal disease can happen due to unrestrained growth of cells and tissues. Cancer treatment can certainly burn your pocket as most treatment methods (chemotherapy, radiotherapy, targeted therapy, and surgeries) are very expensive. In India, many people live below the poverty line. Hence, they can’t afford treatment expenses for cancer. But by purchasing Tata AIG Criti Medi Care policy or Tata AIG Home Guard Plus policy, all treatment expenditures can be reimbursed by the insurer.

3. Cataract 

The natural eye lens becomes opaque in this particular type of eye disease. One may also experience complete blindness. To prevent it, surgery is the only cure. Insurance policies such as Tata AIG Aarogya Sanjeevani policy or Tata MediCare policy cover the cost of cataract treatment.

4. COVID-19

This new disease is extremely communicable, if not treated well. It may even cause some serious complications in elderly people and those who have compromised immune systems. Some patients may also require hospitalization to treat their condition. Moreover, COVID-19 treatment expenses are high. The AIG Corona Kavach plan covers all your expenses for coronavirus treatment.

5. Congenital Anomalies 

These are the diseases that a child carries from his/her birth. To overcome this condition, you may need prolonged treatment methods such as surgeries which can be very heavy on the pocket. With the Tata AIG Sakhi Maternal Care plan, all your healthcare bills will be covered. The Tata AIG MediCare plan and Tata AIG Criti MediCare plans also offer coverage for congenital diseases.

6. Heart Diseases 

Heart diseases can be a result of improper functioning of the heart. These ailments demand expensive treatments without which they could even prove fatal. Health policies such as Tata AIG Criti MediCare policy and Tata AIG Home Guard Plus can bear all your treatment costs.

7. Brain Tumor 

This disease can be fatal to the brain and may need surgery. Tata AIG Criti MediCare policy covers all treatment expenses for brain tumors.

8. Disseminated Intravascular Coagulation 

With this disease, you may experience unnatural blood clots in your body. With Tata AIG Sakhi Maternal Care policy, you can be stress-free as all your healthcare expenditures will be covered.

What are the Advantages of Purchasing TATA AIG Health Insurance Plans?

  • TATA AIG is partnered with more than 7200 network hospitals where you can avail cashless treatment facilities for you and your family
  • The company offers a cumulative bonus of 10-100% of the sum insured for every claim-free year
  • There’s 24×7 customer support to resolve your queries and complaints
  • You can select, compare and purchase various plans online
  • There are lucrative discounts on various policy plans (if you purchase MediCare or MediCare Protect health insurance plans for a term of two years, you will get a discount of 5%)
  • You can save taxes on income (as per the Income Tax Act)

All health diseases, minor or critical, can be covered with TATA AIG health insurance plans. However, go through the policy documents properly and check whether or not all ailments are included.

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FAQs: Critical Diseases Covered in Tata AIG Health Insurance Plans

What critical illnesses are covered with AIG?

Our critical illness insurance is designed with adaptability in mind. You begin with the fundamental condition, known as Core Critical Illness. Along with life insurance and terminal sickness, this provides coverage for more than 45 ailments. The top three claims you're most likely to make are for cancer, heart attacks, and strokes.

Will my health insurance cover critical illness?

Critical illness insurance covers severe, protracted illnesses that call for pricey medical care. On payment of an additional fee, the majority of health insurance policies include critical illness riders that assist the insured in covering astronomical hospitalisation and treatment costs.

What is a critical illness claim?

The Operation of Critical Illness Insurance. When an insured person is diagnosed with an eligible condition, such as a heart attack, stroke, major organ transplant, end-stage renal failure, or coronary artery bypass surgery, critical illness insurance offers benefits.

What are the disadvantages of critical illness insurance?

The payout is only valid when a critical illness is diagnosed, which is the major drawback of a critical illness plan. This means that you won't be covered until a medical professional certifies that your condition meets the policy's definition of "critical." No payment is made in any other way.

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Jul 27, 2022
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PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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