Tata AIG Health Insurance Company

Tata AIG General Insurance, a joint venture between American International Group and Tata Group, began operations in 2001. As a leading private general insurer, Tata AIG offers diverse products for individuals and businesses, including home, health, motor, travel, rural agriculture, marine, cargo, and liability insurance. The company has also established Tata AIG Academy for expertise in general insurance.

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Highlights of Tata AIG Health Insurance Company

Claim settlement ratio 96.70%
NCB* 50%, up to 100% of SI*
PED Waiting# 60 months
Network Hospital 10,000+
Top Health Insurance Plans by Tata AIG

Compare Top Health Plans from Tata AIG Health Insurance Company

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 Medicare Premier Plan
Tata AIG Medicare Plus Plan
Tata AIG Criti Medicare Plan
Features
Deductible
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Cashless Hospitals
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Free Health Check-up
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Alternative Treatment (AYUSH) Cover
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OPD Cover
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Features
Deductible
Cashless Hospitals
Free Health Check-up
Alternative Treatment (AYUSH) Cover
OPD Cover

Awards and accolades won by Tata AIG Health Insurance

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

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Tata AIG General Insurance Company has been bestowed with the ‘Corporate Social Responsibility Award 2016’ at the 20th Asia Insurance Industry Awards for its commitment to a sustainable ecosystem.

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The company was awarded ‘The Company of the Year’ for health insurance products and the ‘Best Product Innovation Award in the General Insurance Category.

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Tata AIG General Insurance Company received ‘The E-commerce Award 2011 in the Asia Insurance Technology Awards.

Key Highlights of Tata AIG Health Insurance Company

Highlights

Meaning

Asset under management

INR 22,566 Cr as of March 31, 2023,

Total customers

5 Cr + customers served since its Inception

Network hospitals

10,000 + network hospitals across the country

Policies issued

1 crore+ policy issued in the previous year

Branches

213 branches across India

Licensed agents and brokers

550 + licensed brokers and 76,000 + licensed agents

Employees

8, 834 + employees

Features of Tata AIG health insurance plans

Features

Meaning

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.

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.

Exclusive Coverage

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

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.

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.

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.

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.

24x7 customer assistance

The dedicated team of customer support of the insurer offers 24x7 customer assistance.

Exclusions in Tata AIG Health Insurance plans

Exclusions are instances that are not covered under TATA AIG health insurance plans. Though the plans have a comprehensive scope, there are common exclusions in them. The actual list of exclusions is plan-specific and can be found in the policy wordings. Common exclusions, on the other hand, are as follows –

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There is a 30-day waiting period from buying the policy. This is the initial waiting period and during this period illnesses are not covered.

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There is a pre-existing waiting period for medical conditions that you suffer from when buying the policy. This waiting period ranges from 2 years to 4 years depending on the plan.

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Specific illnesses also have a waiting period of 2 years. During this period such illnesses are not covered under the plan

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Cosmetic treatments and weight control treatments are excluded from coverage 

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Self-inflicted injuries, substance abuse, alcoholism, criminal acts, etc. are not covered

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If you avail of unscientific or experimental treatments, coverage for such treatments will not be allowed

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War and allied perils are specifically excluded from coverage

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Congenital illnesses and defects are not covered

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Cost of contact lenses, spectacles, crutches, etc. are excluded 

Health insurance plans offered by Tata AIG

Tata AIG offers different types of health insurance policies. The most popular plan, also available at Paybima, is as follows –

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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:

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

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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:

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

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Tata AIG Criti Medicare Plan

This is a plan specially designed to provide cover against 100+ critical illnesses. The plan is available in five different sections: Critical Illness, Cancer 360 Degree Indemnity Cover, Hospital Cash, Wellsurance Benefit (optional), and 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

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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

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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.

Eligibility conditions

Minimum entry age

18 years for adults, 90 days for children

Maximum entry age

65 years adults, 25 years (dependent children)

Sum Insured

INR 3 lakh – INR 1 Crore

Policy Term

1 year

Pre-existing Diseases (PED) Waiting Period

1 year – 4 years

Number of family members covered

Self, spouse, dependent children, and dependent parents

Renewability

Lifetime renewability

How to buy Tata AIG Health Insurance Plan?

Go to the official portal of Tata AIG Health Insurance. Click on the “Get Plan” option on the
homepage. Fill in the required details about the policy seeker and submit.

Or visit the Paybima portal and select health insurance from the options available.

1

Visit the Paybima homepage and click on the ‘Health Insurance’ tab in the dropdown menu.

2

Fill in your required details and request a callback.

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A Paybima representative will help you buy the most suitable plan.

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You may also reach us at 1800 267 67 67 from 10 AM to 7 PM, or

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You can visit a Paybima branch near you.

The process of renewing Tata AIG Health Insurance Policy

What is the Process for Filing a Claim for Tata AIG Health Insurance Plan

Claiming your Tata AIG health insurance plan is very easy and simple. You can initiate the claim process online through paybima.com. The claim process is discussed as follows: 

1
Locating network hospital

Tata AIG offers both cashless and reimbursement claim facilities. To avail of cashless claims, you would have to locate the nearest network hospital and get admitted to it. You can locate the nearest network hospital by visiting the official website of the insurance company. If you get admitted to a non-network hospital, then your claim will be settled on a reimbursement basis.

2
Admission

If you are availing of the cashless facility, you can get yourself admitted to the hospital by showing your identity proof and your health card provided by the insurance company.

3
Authorization form

Before beginning the treatment, the network hospital takes approval from the insurance company for a valid cashless claim. For the approval of cashless claims, submit a pre-authorization claim form. The form can be taken from the insurance desk of the hospital or can be downloaded from the website of the insurance company. The cashless claim form has to be submitted at least five days before planned admission. In case of an emergency, you can submit the authorization form to the insurance company within 24 hours of hospitalization.

4
Approval for cashless treatment

Once the hospital has received the authorization form, it will notify the network hospital and provide a confirmation letter. The hospital would then proceed with your treatment and all the bills would be directly settled by the insurer. 

5
Reimbursement facility

You can avail reimbursement facility if you are admitted to a hospital that does not have a tie-up with your insurance provider or if your insurer has rejected your cashless claim application. In such a case, you would be required to register the claim with the insurance company before admission. You can inform the insurance company after your admission but before discharge in case of emergencies. You will have to settle all the bills and the treatment cost which would later be reimbursed on submission of the claim form and original bills. 

You can seek the help of a PayBima executive for a hassle-free claim settlement experience. You can send an email to paybima.care@mahindra.com or call 1800 267 67 67 and we will assist you with your claim. 

The list of the documents required to be submitted for the claim is: 

  • Duly filled & signed claim form
  • Pre-authorisation claim form for cashless facility
  • Identity proof such as an Aadhaar card, PAN Card, Birth Certificate, etc of the insured
  • Insurance card
  • Doctor's prescription advising hospitalization
  • Medical certificate signed by an authorized doctor
  • Original receipts and bills
  • NEFT or bank details to credit the settlement amount

Guaranteed Claim Support

When you buy or renew a health insurance plan from us, we guide at every step till your claim is settled.

Start your claim process with us to get our support

Review of Tata AIG Health Insurance Company

Tata AIG General Insurance offers a wide variety of health insurance policies to cater to your requirements. Other highlights include the following

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Tata AIG’s broad insurance portfolio is backed by professional expertise.

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The company has 550 + claim experts and an efficient customer service & operation team delivering superior customer service experience and the latest technology innovations.

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Tata AIG General Insurance is increasing its online presence through a strategic initiative known as ‘Go Digital’ which provides easy buying of insurance products online. 

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You can avail of attractive discounts on premiums to make your plan affordable.

Sahi Advice,
Sahi Insurance

If you have any questions on how to choose the best insurance plan, you can connect with our IRDAI certified insurance advisors.

Advice that comes with Experience.

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