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.
Claim settlement ratio 94.21%
NCB* 50%, up to 100% of SI*
PED Waiting# 60 months
Network Hospital 7000+
Paybima's Right Advisor = Expert Solutions
|Tata AIG Health Insurance Plan||Plan Type||Entry Age|
|Medicare Premier||Plan Type : Base Product||Entry Age : 91 Days - 65 Years|
|Network Hospitals Available||7200+|
|PED Waiting Period||2 years|
|Claims Settlement Ratio||94.21%|
Among the various accolades of the Tata Health Insurance company include:
There are certain features associated with Tata health insurance company which appeal to their customers:
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.
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.
The Tata AIG health insurance policies offer exclusive coverage of expenses arising out of various illnesses including Critical illnesses.
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.
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.
The health insurance plans offered by Tata AIG for NRIs covers medical expenses of non-resident Indians while they are visiting the country.
You can claim tax benefits on the premium paid towards buying your Tata AIG health insurance policy under Sec 80D of Income Tax.
The dedicated team of customer support of the insurer offers 24×7 customer assistance.
Here are some benefits of buying Tata AIG Health Insurance:
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.
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.
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.
The changing lifestyle of people is another reason which gives rise to varied medical conditions.
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:
|Plan Name||Min. Age||Max. Age||Min. Coverage||Max. Coverage|
|Tata AIG Medicare Plan||91 days||65 years||INR 3 lakh||INR 20 lakh|
|Tata AIG Medicare Plus Plan||91 days||65 years||INR 3 lakh||INR 1 Crore|
|Tata AIG Criti Medicare Plan||91 days||65 years||INR 5 lakh||INR 2 Crore|
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.
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
This is a plan specially designed to provide cover against 100+ critical illnesses. This plan is available in five different sections namely;
This plan serves best for those people who are worried about the costs attached with hospital stay.
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.
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.
Below are the documents required to be submitted at the time of raising claims of Tata AIG plans:
Here’s your step-by-step guide to buying Tata AIG health insurance plans online:
Here are the steps to follow for Tata AIG health insurance renewal online:
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.
Below are the contact details of Tata AIG General Insurance Company:
|Toll free number||1800-266-7780|
|WhatsApp No||+91 91361 60375|
* The accumulated cumulative bonus or the NCB shall not exceed 100% of the Sum Insured on the Renewed Policy as specified in the policy terms.
# Ailments diagnosed within 60 months before policy issuance date or any medical treatment received within 40 months before the issue date of policy