Tata AIG General Insurance Company Limited was formed as a joint venture between American International Group and Tata Group. It commenced its operations in 2001 and has completed 20+ years of service in the insurance industry of India. Tata AIG General Insurance Company is amongst the most preferred and reported private general insurance providers in India.
The company offers a wide variety of general insurance products for individuals and businesses. It offers comprehensive plans for travel, rural, agriculture insurance, marine cargo, liability, personal accident, extended warranty, etc. Tata AIG General Insurance has also established Tata AIG Academy to provide a center for learning and gaining knowledge in the general insurance domain.
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(s) | Plan Type | Entry Age | |
|---|---|---|---|
| Medicare Premier | Plan Type : Base Product | Entry Age : 91 Days - 65 Years |
Some key highlights of Tata AIG General Insurance Company are stated as follows:
Among the various accolades of the Tata Health Insurance company include:
Here are some of the common coverage benefits that you can find in most of the available TATA AIG health insurance plans –
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.
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 –
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.
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:
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:
Locate the 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.
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.
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.
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.
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.
Tata AIG General Insurance offers a wide variety of health insurance policies to cater to your requirements. Other highlights include the following:
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:
| Categories | Contact details |
| Toll free number | 1800-266-7780 |
| WhatsApp No | +91 91361 60375 |
| Email Id | customersupport@tataaig.com |
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* 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
