Tata AIG Health Insurance
Tata AIG General Insurance Company Limited (Tata AIG General) is a joint venture between Tata Group and American International Group, Inc. (AIG). The Tata Group holds 74 per cent stake in the health insurance venture with AIG holding the balance 26 percent.
TATA AIG Insurance offers a wide range of health insurance products in the following domains- Motor Insurance, Health, Home, Travel, and Lifestyle as well a number of specialized financial specialties.
The company boasts of a strong claims settlement service and promotional strength and accessibility through such mediums as Tele Marketing, Digital Marketing and other online and offline mediums.
Types of Health Insurance Policies Provided by Tata AIG
- TATA AIG Medicare Premier
- Tata AIG Criti-Medicare
- Tata AIG Medicare Select Policy
- Tata AIG Individual Accident and Sickness Hospital Cash
- TATA AIG Medi Care Plus Health Insurance
- Tata AIG Elder Care Plan
TATA AIG Medicare Premier
Tata Medicare Premier is a health insurance policy that provides coverage to a wide range of medical expenses. Individuals and family can benefit from the Medicare Premier policy.
Particulars | Benefits |
Entry Age | 18 to 65 years |
Policy Term | 1, 2 or 3 years |
Sum insured | Rs. 5 lakh to Rs.3 crore |
Tax Benefits | Get tax benefits for premiums paid as per section 80D of the Income Tax Act |
Cashless Hospitalisation | Over 12,000 |
Discounts | Based on policy tenure (up to 10%) and the number of members included in the family floater plan (up to 32%) |
Benefits | Cover hospitalisation expenses including room rent, doctors’ fees, medications, and nursing fees Cover pre- and post-hospitalisation expenses Critical Illness benefits are available on the diagnosis of specified ailments without hospitalisation of the insured. In case of hospitalisation, it can be converted into a cashless claim facility. Hospitalisation benefits including major and minor surgeries, as per the limits specified Preventive healthcare checkup Ambulance expenses and the cost of receiving medical treatment in their home under certain conditions |
Exclusions | Pre-existing diseases Pregnancy and related conditions Diseases existing at birth (congenital) War, invasion and people serving in military or armed forces Injuries due to dangerous activity Cosmetic surgeries Obesity related treatments Self-inflicted injuries Cost of spectacles, hearing aids, crutches, and wheelchairs among others Abuse of drugs, alcohol HIV / AIDS and related conditions |
Waiting Period | Survival period of 30 days for all critical ailment benefits No waiting period for accident-related hospitalization benefits |
Tata AIG Criti-Medicare
Tata AIG Criti-Medicare is a health insurance policy that covers all expenses for up to 100 critical health diagnoses. It includes diseases such as cancer, kidney failure, and heart disease. It pays a lump sum after the diagnosis and covers the expenses of treatment, medication, hospital bills, etc.
Particulars | Benefits |
Entry Age | This policy can be taken by anyone between the ages of 18 years and 65 years. |
Type | Individual or Family |
Policy Period | 1-3 years |
Sum Insured | Rs.5 lakh to Rs.2 crore |
Renewal Grace Period | 30 days |
Global Cover | Offers coverage for inpatient and day-care hospitalisation outside India |
Exclusions | Non-medical exclusions: Injury caused while engaging in hazardous sports Self-injury or attempted suicide Any medical claim that breaches the law with criminal intent Medical Exclusions: Treatment for alcoholism, drug, and substance abuse Claim for weight control Claim for unproven medical conditions |
Benefits | The sum insured is paid when the policyholder is diagnosed Preventive health check-ups up to 1% of the previous policy year’s sum insured and maximum of Rs.10,000. Covers pre-hospitalisation expense for up to 60 days and post-hospitalisation expenses for up to 90 days for cancer treatment Covers post-operative expenses, ambulance service, chemotherapy, and radiotherapy |
Tata AIG Individual Accident & Sickness Hospital Cash
This Tata AIG Individual Accident and Sickness Hospital Cash Policy serve as a supplement for your current health insurance policy, proving its worth in situations wherein hospitalizations could extend to long durations, unexpected expenses might crop up or specialised treatments might be required.
Particulars | Benefits |
Entry Age | This policy can be taken by anyone between the ages of 18 years and 65 years. |
Type | Individual or Family |
Policy Period | 1 year |
Medicals | No medicals are required to take this policy |
Sum Insured | The policy offers daily cash ranging from Rs. 500 a day to Rs. 25,000 per day. |
Deductible | 5% of the benefit amount is deductible when reimbursements are made under Accident Medical |
Exclusions |
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Benefits |
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TATA AIG Medi Care Plus Health Insurance
TATA AIG Medi CarePlus is a top-up health insurance plan that enhances your current health insurance with a higher total coverage at an affordable premium.
Particulars | Benefits |
Entry Age | 91 days to 65 years. |
Type | Individual & Family |
Policy Period | 1 to 3 years |
Discounts | You can get a 10% discount if you insure 2 or more family members. If you pay the premium for 2 years then you get a 7.5% discount. |
Sum Insured | Rs.2 lakh to Rs.20 lakh |
Coverage |
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Exclusions | The policy offers tax benefits under section 80D of the IT Act for premiums paid. |
Benefits |
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Tata AIG Medicare Select Policy
Tata AIG Medicare Select is a flexible health insurance policy that allows the policyholder to customise. The coverage amount, plan duration, base coverage, etc., can be decided by the policyholder.
Particulars | Benefits |
Entry Age | 18 years and above |
Type | Individual or Family |
Policy Period | 1 to 3 years |
Sum Insured | Rs.5 lakh to Rs.3 crore |
Discount | Up to 25% |
Maternity Cover | 10% of the sum insured or Rs.10,000 per policy year + option to reduce waiting period to one year |
Hospitals Network | Over 12,000 hospitals across India |
Coverage | Inpatient expenses like ICU charges, hospital stays, nursing charges, etc., will be covered. Pre-hospitalisation expenses such as diagnostic tests, up to 90 days before hospital admission, and post-hospitalisation expenses such as follow-up consultations up to 90 days will be covered. The policy will cover daycare procedures. Ambulance charges for transportation within a radius of 50 kilometres will be covered. Covers medical expenses for alternative treatments under AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) Domiciliary treatment will be covered if it exceeds three days In case you need an organ transplant, then it’s cost and the cost to the donor for harvesting the organ will be covered. |
Benefits | This policy provides you access to the full sum insured after a one-time premium payment (paid in full) under multi-year policy option. Cashless treatment at over 12,000 hospitals across India. Offers over 7 Add-ons and riders Eligible for Tax deduction under Section 80D of the Income Tax Act. Coverage for the annual health checkup every year |
Exclusions | Injuries or illnesses contracted while involved in illegal activities will not be covered. Diagnostic tests and consultations unrelated to the current treatment Surgical treatment for obesity, weight loss, and gender change is not covered If you require treatment as a result of substance abuse (drugs/alcohol) then you will not be covered. Expenses to treat suicide attempts, alcohol, drug abuse, and self-injury will not be covered Expenses for screening of potential organ donors won't be covered. Treatment for individuals participating in the air force, military, and naval operations is not covered Expenses to treat sterility, correction of eyesight, hearing aids, and treatments for pre-existing conditions will not be covered |
Tata AIG Elder Care Plan
Tata AIG Elder Care is an insurance plan that is specifically designed to meet the needs of senior citizens. The policy covers all expenses caused by health issues senior citizens may face, including treatment, hospitalisation, and more.
Particulars | Benefits |
Entry Age | 61 years and above |
Type | Individual |
Policy Period | 1 to 3 years |
Sum Insured | Up to Rs. 25 lakhs |
Network Hospitals | Over 11,000 across India |
Waiting Period | The initial waiting period is 30 days For pre-existing diseases, the waiting period is 2 years |
Coverage | Pre- and post-hospitalisation expenses will be covered Covers expenses for inpatient treatment and day-care procedures Ambulance expenses are also covered You can avail cashless treatment at over 11,000 network hospitals across India with this policy |
Exclusions | Diagnostic expenses not related to the current diagnosis or treatment are not covered. Sexually transmitted diseases, venereal diseases Growth hormone therapy, stem cell therapy |
Benefits | Tax benefits up to Rs. 75,000 under Section 80D of the Income Tax Act Annual health checkup Easy claim process In policy years where you do not make any claims you are eligible to get cumulative bonus |
How to File a Claim with Tata AIG Health Insurance?
The insured member can register a health insurance claim with Tata AIG via SMS, email or calling the insurer's toll-free helpline number. In the case of cashless hospitalisation, the insured member must seek treatment in a network hospital of the insurer.
The hospital will submit a pre-authorisation request to the insurer or TPA. Upon approval, the hospital will provide cashless treatment to the insured member. The medical bills will be directly settled with the hospital by the insurer.
In the case of a reimbursement claim, the insured member has to pay the medical bills out of his or her pocket.
The original medical documents along with a duly-filled claim form has to be submitted to the insurer within 30 days of date of discharge. The insurer will approve or reject the claim as per the policy terms and conditions.
FAQs on Tata AIG Health Insurance
- Is there a tax benefit under Tata AIG Health Insurance?
Yes. Tax exemption is available under section 80D of the Income Tax Act.
- What is the maximum and minimum policy duration?
Most policies come for a whole year after which they are to be renewed. However, certain policies also offer two years renewal period.
- Are diagnostic charges covered under Health Insurance?
Yes. Diagnostic tests like MRI, CT-Scan etc. are covered under the medical insurance schemes.
- Can I cancel my policy midway?
Yes. Policy can be revoked mid-way.
- Is Health Insurance different from Life Insurance?
Health Insurance covers medical expenses; Life Insurance provides financial support in case of death or disability
- Is Health Insurance required if I am young and Healthy?
Yes. Health Insurance keeps you protected in case of sudden injury due to accident as well as against a host of serious sicknesses. No one knows when a medical urgency may arise. Also, Health Insurance takes care of heavy expenses that are made in case a serious medical emergency occurs.
- I have a Health Insurance scheme from my Employer, do I still need a personal Health Insurance policy?
Yes. The Health Insurance policy issued by your Employer is usually non-transferrable, and hence you might face issues during job change. Also, medical records are maintained more efficiently in case a single health insurance policy is continued. Hence, it is advised to have a private policy too in addition with the company provided insurance scheme.
- Does this policy cover maternity/pregnancy as part of Health Insurance?
Maternity coverage is generally not included in standard Tata AIG health plans.
- Are diagnostic charges covered in Health Insurance?
Yes. Diagnostic tests like MRI, CT-Scan etc. are covered under the medical insurance schemes.
- Are homeopathy and naturopathy covered?
No. These treatments are not covered under a standard policy.
- Can I buy more than one health policy?
Yes. In that case, both health policies will share equally (up to the sum assured) the claim among themselves and pay out your medical expense.
- What happens to the policy once a claim is made?
The policy will continue normally, however, whatever is the amount of claim made that would be reduced from the sum assured. For e.g. a policy of 5 lakhs will be reduced to 3 lakhs in case a claim of 2 lakhs has already been made.
- What are the documents required for getting a Health Insurance policy?
Documents such as ID proof, address proof, passport-size photographs, and medical certificate (if applicable) are the major documents required to apply for a health insurance policy.
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