Why Choose Tata AIG?
The Perfect Health Insurance Plan at Tata AIG, have a wide variety of health insurance plans to cater to your varied health insurance requirements. Here are the benefits of having Tata AIG:
Why Choose Tata AIG?
These are some benefits provided by tata AIG Health insurance plan:
Individual Health Insurance Plan
This is a plan wherein the entire sum insured provides coverage for one individual. If you are seeking a health insurance plan for yourself or individual medical insurance plans for your family members, you can buy our individual health insurance plans.
Family Health Insurance Plan
A family health insurance allows you to include multiple family members under the same health insurance plan with a single premium. The sum insured is shared by all the individuals covered in the plan, thereby allowing you to get Mediclaim for your family at a feasible premium.
Consumables Coverage
If you are admitted to the hospital, apart from the hospitalization costs, the cost of any surgical and medical consumables or equipment that is billed to you, will be covered by these facilities. These consumables are the products or equipment that are directly used for your treatment and can be expensive if you are not covered under this cover.
Worldwide Coverage
By adding our Global/Worldwide Cover to your health insurance, you can be covered for the treatment of any illness or condition overseas. If you have been diagnosed with a certain ailment in India but choose to get medical treatment and hospitalization abroad, this cover can help you cover those costs.
Maternity Coverage
After adding our Maternity Cover to your policy and after a waiting period of 4 consecutive years, this rider can help you cover the cost of maternity expenses of up to ₹50,000 for each policy year. We will also increase the coverage up to ₹60,000 if the newborn is a baby girl.
Newborn Coverage
If your newborn baby has to undergo any treatment, arising from complications during the delivery, the Newborn Cover will provide coverage of up to ₹10,000 for the necessary treatment, once the maternity claim has been accepted.
OPD Coverage
We understand that the cost of medical consultations and medications can build up a hefty bill over a single year. Therefore, this plan will help you cover up to ₹5,000 of these cost for every policy year, after you have after a waiting period of 2 consecutive years.
Hassle-free claim process
We ensure that you won’t have to worry about complicated processes with excessive paperwork when it comes to filing your health insurance policy claim. Tata AIG offers a seamless online process where you can swiftly file your claim on our official website, and our 650+ claim experts will have your claim settled well within the due timelines, provided all the information on the online form is accurate.
Automatic restoration benefits:
We understand your medical emergencies and the expenses that come along with them, and so, our health insurance plans come with these benefits. This feature enables the automatic refilling or restoration of your sum insured, just in case you have exhausted it in a single policy year for a health emergency!
Cumulative bonus benefits:
For every claim-free year, your Tata AIG health insurance policy will let you enjoy a Cumulative bonus benefit of between 10-50%. This benefit enhances your sum insured without increasing health insurance premiums, making for more extensive health insurance coverage. With our health insurance plans, you can get up to a maximum of 100% additional sum insured for each year that you don’t file a health insurance claim.
Super Top-Up Health Insurance
With this termed Medi-Care Plus, you can enhance the coverage and add into the sum insured provided by your existing individual medical insurance plan or that of the health insurance plan for your family.
Critical Illness Health Insurance
Whilst a basic health insurance plan provides you financial protection against any regular diseases and injuries, they do not usually cover the expenses related to critical illnesses, such as cancer, cardiovascular diseases, and renal failure that may affect one during the lifetime. Therefore, you can buy the Tata AIG, this Plan to get coverage for critical illness.
Personal Accident Insurance Policy
Should an accident, unfortunately, lead to a permanent disability or death for a lifetime, the Tata AIG Personal Accident Insurance Policy can prove to be of great assistance to you and your family. Under this plan, you or your beneficiary (in the event of your demise in the wake of an accident) shall receive financial support.
The latest addition to our health insurance benefits is the Coronavirus Protection which has been designed keeping in mind the various medical and financial challenges caused by the ongoing global pandemic. When you buy our health insurance plans, the sum insured covers the COVID-19-related medical expenses.
Benefits Of TATA AIG Health Insurance
At TATA AIG, We’re Committed to Providing You with Only the Best Kind of Care. Here’s A Look at Just A Few Reasons Why Our Health Insurance Policy Is the Right One for You:
No Sub-Limit on Hospital Room Rent
Our health insurance plans allow you the flexibility to get the upper ceiling on your hospital rent expenses removed as long as it falls under the umbrella of the sum insured under the plan. Therefore, you can have access to treatment in a hospital room expenses any worry for out-of-pocket expenses for the room rent.
No Co-Pay
With a TATA AIG medical insurance plan, you can opt to have the room rent limit removed. This means that you can pick the best possible hospital room to receive treatment in, without worrying about out-of-pocket expenses. As long as the amount is covered by your sum insured, you don’t have to worry.
Maternity Cover
The Tata AIG Maternity Coverage has been designed to financially support you through this beautiful phase of your life. Under this cover, you are eligible for the reimbursement of maternity expenses to the tune of ₹50,000, which can be extended to ₹60,000 should your child be a baby girl. There is no limit to the number of pregnancies covered under this feature; however, do note that the maternity benefit gets activated four years after the beginning of your health insurance plan with us.
Pre & Post Hospitalization Cover
If you are insured under this health insurance products, you can benefit from a cover for pre-hospitalization expenses incurred 30 to 60 days before your admission to a hospital as well as post-hospitalization expenses generated 60 to 90 days after your discharge from the hospital. Remember that these limits vary from one plan to another.
Cover For Pre-Existing Illnesses
When you buy a Tata AIG health insurance policy, you get coverage against preexisting illness, albeit after the expiration of the designated waiting period. This waiting period for a pre-existing illness usually gets activated two to five years after the purchase of the health insurance plan.
Cashless Claims
We’ve spread our network far and wide. We’ve tied up with over 10,000+ hospitals across the country where you can enjoy cashless claims. Just intimate us about the treatment a few days in advance, or as soon as possible if it’s an emergency, and we’ll take care of settling the bill.
Tax Benefits
When you purchase medical insurance, the premium that you pay is exempt from taxes under Section 80D of the Income Tax Act, 1961. If the insured individuals are under the age of 60, you can claim a maximum deduction of INR 25,000. If you’ve also purchased a policy for an elderly parent who is above the age of 60, you can claim an additional deduction of INR 50,000. Please note tax benefits are subject to change in Income Tax laws.
Ambulance Cover
In an emergency, if you need an ambulance to transport you or another insured individual to the nearest hospital, our health insurance policy will take care of the cost of the ambulance.
No-Claim Bonus
If you do not make any claims against your medical insurance policy in a single year, you’re entitled to a cumulative bonus. Essentially, we’ll increase your sum insured without increasing your health insurance premium. So, you’ll enjoy higher cover for the same cost. For every consecutive claim-free year, we’ll increase the sum insured by a certain percentage.
AYUSH Cover
With the Tata AIG Medi-Care line of health insurance plans, you are insured not only for modern medical procedures but also for medical treatment under Ayurveda, Yoga and Naturopathy, Unani, Sidha, or Homeopathy.
Cover For Daycare Procedures
The health insurance benefits of a Tata AIG health insurance plan also include a cover for daycare procedures, that is, medical procedures that entail a hospital stay below 24 hours. With our Medi-Care and Medicare Protect plans, you get coverage for more than 540 daycare procedures.
COVID-19 Cover
In light of the severe impact of the ongoing COVID-19 pandemic, with the Tata AIG health insurance policies, you are insured against COVID-19 medical expenses. If you get diagnosed with the virus, we have got your back.
Hospitalization Expenses
The Tata AIG health insurance plans include a cover for the hospitalization expenses borne by you for the treatment of any medical condition or an injury that is covered under the plan and not explicitly excluded from the policy wordings.
What’s Not Covered Under TATA AIG Health Insurance?
Tata AIG Health Insurance Covers Many Medical Processes, But There Are Certain Exclusions Too. We Are a Transparent Firm and Would Like You to Know What We Do Not Cover.
Medical exclusions:
Plastic surgery or cosmetic surgery during your lifetime unless necessary as a part of medically necessary treatment certified by the attending Medical Practitioner for reconstruction following an Accident, Cancer or Burns.
Rest cure, sanatorium treatment, rehabilitation measures, private duty nursing, respite care, long-term nursing care or custodial care.
All preventive care, vaccination including inoculation and immunizations (except in case of post- bite treatment and other vaccines explicitly covered)
Hospitalization purely for enteral feedings (infusion formulae via a tube into the upper gastrointestinal tract) and other nutritional and electrolyte supplements, unless certified to be required by the attending Medical Practitioner as a direct consequence of an otherwise covered claim.
Experimental and Unproven treatments, Rotational Field Quantum Magnetic Resonance (RFQMR), External Counter Pulsation (ECP), Enhanced External Counter Pulsation (EECP), Chelation therapy, Hyperbaric Oxygen Therapy.
Non-Medical Exclusions:
Charges incurred at a hospital primarily for diagnostic, X-ray or laboratory examinations not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness or Injury, for which confinement is required at a hospital.
Items of personal comfort and convenience like television (wherever specifically charged for), charges for access to telephone and telephone calls, internet, foodstuffs (except patient’s diet), cosmetics, hygiene articles, body care products and bath additive, barber or beauty service, guest service.
Treatment rendered by a Medical Practitioner which is outside his discipline,
Doctor’s fees charged by the Medical Practitioner sharing the same residence as an Insured Person or who is an immediate relative of an Insured Person’s family
Please refer to the policy document for a complete list of benefits and exclusions.
Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible.
Does Tata AIG Heath Insurance Cover Covid-19?
The pandemic came as a sudden and rude shock to the whole world, but everyone soon learned to adapt. However, apart from doing your bit by sanitizing your hands, wearing your face mask and maintaining social distancing, it is also time for you to review your health insurance plan.
The Tata AIG COVID health insurance and its high sum insured at affordable premiums and extended hospitalization cover are meant to help you compensate for the loss of income due to prolonged hospitalization.
To keep up with the mild but imminent threat of coronavirus infection, Tata AIG offers COVID insurance, which is a recent addition to our range of health insurance policies. The COVID health insurance has been created, keeping in mind the medical and financial hardships that you and your family may have to face in an unfortunate emergency.
In general, the rising medical expenses can make it difficult for you to get access to quality healthcare. But to ensure that you do not have to face any financial and medical challenges without adequate support, our COVID-19 insurance plan provides a host of benefits that covers hospitalization expenses, cashless treatment and more!