Tata AIG Health Insurance

Tata AIG Health Insurance is a part of the Tata AIG General Insurance Company Ltd., which is a joint collaboration between Tata Group and American International Group (AIG). Established in January 2001, the global conglomerate has experience of over 2 decades in the insurance sector. Over the years, Tata AIG has become a household name in the insurance sector with its wide-ranging products and services.   

The Tata AIG health insurance company presents a diverse range of health insurance plans for families, individuals, elderly people, women etc., which are designed to cover expenses of specific and critical diseases. The health insurer has a list of over 7000+ hospitals in its network where policyholders can undergo treatment and can avail quick and hassle-free claim settlement.

Tata AIG Health Insurance – Highlights 

Achievements of Tata AIG Health Insurance 

Among the various accolades of the Tata Health Insurance company include:

• They won the Extraordinaire Award at the 5th edition of Brand Vision Summit 2019-20
• They are the winners of two top industry awards for its PR campaign for creating awareness about the need for Life Insurance Protection in India
• They also won the Best Direct-to-Consumer PR Campaign of the Year award 2020 etc.

8 Key Features of Tata AIG Health Insurance 

There are certain features associated with Tata health insurance company which appeal to their customers:

1. Cashless Hospitals:

There are over 7,200 hospitals that the Tata AIG health insurance company has tie ups with where the policy owner can get cashless treatment and easy and smooth payment of hospital bills.

2. Claim Settlement Ratio:

Tata AIG health insurance company had a high claim settlement ratio of 94.43% in FY 2020-21. The company is committed towards settling claims of their policyholders easily and quickly.

3. Exclusive Coverage:

The Tata AIG health insurance policies offer exclusive coverage of expenses arising out of various illnesses including Critical illnesses.

4. No Room Rent Limit:

Another best feature of Tata AIG health insurance plans is that they do not come with any room rent sub-limits for availing hospital rooms.

5. Hassle-Free Claim Process:

The company has over 650 claim experts to settle claim requests rapidly. You can file for online claims to receive a seamless process with minimal paperwork for settling your claims.

6. Medical Coverage for NRIs:

The health insurance plans offered by Tata AIG for NRIs covers medical expenses of non-resident Indians while they are visiting the country.

7. Tax Benefits:

You can claim tax benefits on the premium paid towards buying your Tata AIG health insurance policy under Sec 80D of Income Tax.

8. 24×7 customer assistance:

The dedicated team of customer support of the insurer offers 24×7 customer assistance.

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Benefits of Tata AIG Health Insurance 

Here are some benefits of buying Tata AIG Health Insurance:

# To tackle rising inflation and medical costs:

We all know that the costs of medical treatment has risen to a great limit over the years. Thus, to keep up with the rising expenses, a good medical insurance is the need of the hour.

# For tax benefits:

Though it might sound frivolous, tax savings is a reason of great importance for availing health insurance policies. Section 80D allows a health insurance policyholder to avail tax exemption under the plan. However, tax benefits are subjects that can change with the new and updated laws. So, you must check before buying the policy.    

# For coverage against sudden medical emergencies such as covid-19 pandemic:

The recent covid-19 pandemic has proved that anything can happen anytime when it comes to health. Hence, being prepared is the best thing to do.

# To deal with the changing lifestyle and habits:

The changing lifestyle of people is another reason which gives rise to varied medical conditions.

Tata AIG Best Health Insurance Plans

The Tata AIG health insurance plans are designed to cover the insured against a wide array of medical and health emergencies. Below are some Tata AIG health insurance plans sold by the company:

Tata AIG Plans in Detail

1. Tata AIG Medicare Plan:

This is a pocket-friendly medical policy from Tata AIG that comes with a range of benefits to help you deal with your healthcare emergencies.

Features of Tata AIG Medicare Plan:

1. The plan offers global coverage
2. It is available for individuals as well as families
3. The plan cover for bariatric surgery
4. It allows the insured to choose the sum assured as per needs
5. Sum insured of the policy ranges from INR 3 lakhs to INR 20 lakhs
6. The plan comes with Teleconsultation Service & Ambulance Booking Facility
7. You do not require to go through any pre-policy medical check-up for up to 45 years of age

2. Tata AIG Medicare Plus Plan

This is a plan that allows comprehensive coverage to the insured and is available with deductible options. The sum insured under this plan is wide ranging and starts from INR 3 lakh to INR 1 crore

Features of Tata AIG Medicare Plus Plan:

1. The plan covers expenses of in-patient hospitalization and day care procedures
2. It allows coverage for both pre-and post-hospitalization expenses
3. The plan allows preventive health check-up after every two claim-free years
4. It also allows the benefit of second opinion and consumables
5. There is no requirement of pre-policy medical check-up up to 45 years
6. 50% cumulative bonus is offered after two claim-free years
7. Global cover option is also available

3. Tata AIG Criti Medicare Plan

This is a plan specially designed to provide cover against 100+ critical illnesses. This plan is available in five different sections namely; 

• Critical Illness
• Cancer 360 Degree Indemnity Cover
• Hospital Cash
• Wellsurance Benefit (Optional)
• Personal Accident

Features of Tata AIG Medicare Plan

• The sum insured under the plan ranges from INR 5 lakh to INR 2 crore
• The plan cover chemotherapy and radiotherapy sessions
• It also allows coverage against second medical opinion cover
• You can seek for global coverage under Cancer 360 Degree
• It offers annual health check-up facility for every claim-free year
• There is also the option to choose between zero survival period, 7 days survival or 15 days

4. Tata AIG Medicare Protect

This plan serves best for those people who are worried about the costs attached with hospital stay.

Features of Tata AIG Medicare product:

• The plan covers pre- and post- hospitalization expenses
• It allows you to focus on getting healthier rather than getting stressed of the hospital bills

5. Tata AIG Medicare Premier

This is the best plan for all-rounded safety as it comes with exclusive cover offered for Home Care Treatment along with many other benefits. The sum insured under the plan ranges between INR 5 lakhs to INR 3 Crore.

Features of Tata AIG Medicare Premier:

• Global Cover for Planned Hospitalization
• Home care treatment
• High-end Diagnostics
• OPD Treatment
• Emergency Air Ambulance etc.

How to File a Claim for Tata AIG Health Insurance Plans – 5 Easy Steps?

To file a cashless claim with Tata AIG Health Insurance, you can follow the below steps:

Step 1 – Inform Insurer

If it is a planned hospitalization, intimate Tata AIG General Insurance Company a minimum of 5 days in advance before hospitalization. If it is an emergency case, you must inform the insurer within 24 hours of hospitalization.

Step 2 – Show your Documents

You must show your insurance card and ID proof offered by the insurer at the network hospital after getting admitted

Step 3 – Pre-authorization Request 

Once you show your card and proof, the hospital will contact your insurer with a cashless claim request for pre-authorization.

Step 4 – Approval of Cashless Treatment

When the documents are verified, the insurer will pre-authorize your cashless treatment.

Step 5 – Claim Settlement

Now, as you get discharged from the hospital after your treatment, the insurance company will settle the hospital bill directly with the hospital.

However, in case you undergo treatment in a non-network hospital, you have to go through a reimbursement claim process. Here, you will have to pay the hospital bill on your own when you get discharged from the hospital and later can claim for the expenses by showing all the documents and bills. This might take around 21 days of time in total.

Documents Required to Claim Tata AIG Health Insurance 

Below are the documents required to be submitted at the time of raising claims of Tata AIG plans:

• Health insurance claim form duly filled
• Photocopy of insurance card
• All the certificate related to the treatment signed by doctor who attended the patient
• All the test reports, lab and diagnostic reports
• Discharge summary
• Original bills and receipts of payment
• Original medicine papers
• NEFT details of the policyholder
• FIR/MLC copy (if it is an accidental claim)
• CKYC form, duly filled (for claims of INR 1 Lakh and above) etc.

How to Buy Tata AIG Health Insurance Plans?

Here’s your step-by-step guide to buying Tata AIG health insurance plans online:

• Go to the official website of the insurer
• Alternatively, you can visit the website of Paybima insurance brokers
• Now, press the ‘Health Insurance’ tab
• Select the number of people to be insured under the plan as well as their age
• Add basic details, like name, city, phone number etc.
• Mention any PED if you have or a medical history
• Choose the insurance plan you want to buy
• Make payment of the premium online
• Your policy will be shortly issued in just moments

How to Renew Tata AIG Health Insurance Plans?

Here are the steps to follow for Tata AIG health insurance renewal online:

• Go to the official website of Tata AIG homepage and select ‘Renew Your Policy’ tab
• Choose the tab of ‘Health Renewal’ option and enter your contact number/OTP to login
• Submit the information required together with the contact details
• Now, select the policy that you want to renew from the list of plans
• Make payment of the Tata renewal amount online
• Your policy would be instantly renewed

How to calculate Tata AIG Health Insurance Premium?

If you want to calculate the Tata AIG Medical insurance premium, you can do so with the help of the Tata AIG health insurance premium calculator easily. The AIG calculator needs some fields to be filled with basic details like sum insured, tenure of policy, location, etc. to calculate the premium in a smooth and hassle-free manner.

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Contact Details of Tata AIG Health Insurance Company

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