Tata AIG Health Insurance

Hassle-free Claim Settlement | Quick Turnaround | Cashless Facility at 6500+ Hospitals

The Tata AIG General Insurance Company Limited is a joint venture between the American International Group (AIG) and the Tata Group. The company was founded in 2001 and has quickly become one of India’s leading insurance providers. They offer insurance products and services across various domains including, but not limited to, travel and tourism, home, automobile, health, energy, personal accident, casualty, etc.

One of their key offerings is the Tata AIG Health Insurance, which has an outstanding claim settlement ratio of 96.43% for FY 2020-21.

Tata AIG Health Insurance Plans

We’ve compiled a list of Tata AIG Health Insurance plans so you can compare and contrast to choose the best option for you!

Tata AIG Health Insurance Plans	Specifications	View Plans
Tata AIG MediCare (TATHLIP23118V032223)	With Restore Benefits, the basic sum insured is restored once the sum insured and cumulative bonus are exhausted Covers expenses related to certain specified consumables that are used during the period of hospitalisation Get coverage for planned hospitalisation in a foreign country*, given that the diagnosis was made in India For each claim-free year, up to 50% cumulative bonus will be applied on the sum insured Covers in-patient treatment Covers expenses for 540+ day care treatment Get up to 8 complimentary tele-consultations with a general physician	Check Plans
Tata AIG Medicare Premier (TATHLIP23167V032223)	Offers global coverage for planned hospitalisation, given that the diagnosis was given in India Covers expenses related to specified consumables Basic sum insured automatically restored to 100% upon exhaustion of the accrued cumulative bonus and sum insured Covers emergency air ambulance Offers a host of wellness services to help the insured maintain good health and fitness Covers home treatment for dialysis, chemotherapy, and pandemic care Covers compassionate travel OPD and out-patient dental treatment is covered	Check Plans
Tata AIG Medicare Protect (TATHLIP21225V022021)	Covers expenses for 540+ day care treatment Sum insured is automatically restored to 100% 10% increase in cumulative bonus for each claim-free year Covers expenses incurred on consumables Covers medical and surgical expenses of organ donor Covers ambulance expenses Covers domiciliary medical expenses Covers compassionate travel	Check Plans
Medicare Plus Super Top Up Plan (TATHLIP21253V022021)	Health cover Cashless claims Maximum age restriction of 65 years Offers consumables benefits Enjoy cumulative bonus	Check Plans
Corona Kavach Plan (TATHLIP21095V012021 )	COVID-19 hospitalisation coverage Domiciliary treatment expenses AYUSH treatment coverage Pre-hospitalisation and post-hospitalisation Daily hospital cash allowance up to 0.5% of the sum insured Total sum insured up to ₹5 Lakhs	Check Plans
Criti MediCare (TATHLIP22176V012122)	Up to 100 critical illnesses covered Up to ₹10,000 coverage for health check-ups In-patient and day-care coverage Advanced diagnostics and cancer treatment options Psychiatric counselling Organ donor expenses OPD coverage	Check Plans
Janata Personal Accident Policy (Individual) (TATPAIP23101V022223)	Capital sum insured in case of an unfortunate accidental death Partial sum insured in case of accidental partial permanent disabilities Full sum insured payable in case of accidental total permanent disability	Check Plans

Types of Plans Offered by Tata AIG Health Insurance

Tata AIG offers a number of different types of health insurance plans. Here are some of them.

Individual Health Insurance

An individual health plan offers the entire sum insured to a singular policyholder. This is a great plan for you, if you’re looking to purchase an individual medical insurance plan for yourself or your loved ones. It offers coverage against a wide variety of illnesses and unforeseen events.

Family Health Insurance

The family floater health insurance plan lets you add your family members under a single insurance plan. You’ll only need to pay a single premium for coverage for the entire family. Since a single sum insured is shared by all covered family members, the premium will also be comparatively lower as compared to an individual health insurance plan. This makes family floater plans a budget-friendly option.

Super Top-up Health Insurance

Tata AIG Super Top Up Health Insurance Plan allows you to enhance your existing coverage. You can also add to your existing sum insured.

Critical Illness Health Insurance

Critical illnesses can be expensive to treat and can cause a lot of financial distress if you’re not insured against them. You can purchase the Tata AIG Criti MediCare plan to stay protected against a wide range of critical illnesses.

Personal Accident Insurance Policy

Tata AIG Personal Accident Insurance Policy covers permanent disability or unfortunate demise caused by accidents. Either you or your nominee will receive financial compensation in the event of an accident.

COVID-19 Health Insurance

Keeping in mind recent events, Tata AIG offers you the Corona Kavach plan to cover COVID-19 related expenses. This plan will help mitigate the financial and medical risks associated with the COVID-19 pandemic.

Key Features of Tata AIG Health Insurance plan

Here are the key features of Tata AIG Health Insurance plans:

7000+ cashless hospitals
Offers Covid-19 cover
Healthy claim settlement ratio of 96.43% (FY 2020-21)
Offers multiple wellness services

Benefits of Tata AIG Health Insurance

Purchasing a Tata AIG Health Insurance can help you stay protected against a number of illnesses and injuries. There are also a few other benefits that this health insurance can offer you, here are some of them:

Cashless Hospitalisation

Tata AIG has partnered up with over 7000 hospitals all across India. As a policyholder, you will be able to access any of these hospitals to get cashless treatments. A cashless treatment can be very advantageous as you will not be required to pay any money (barring any deductibles, non-payables, exclusions, etc.) out of pocket during the treatment.

Cumulative Bonus Benefit

Tata AIG will give you a cumulative bonus of anywhere between 10% to 100% on the sum insured for each claim-free year. The percentage will depend on the plan you’ve chosen. With this benefit, you can increase your sum insured amount without having to make any additional payments.

24/7 Assistance

Tata AIG has a dedicated customer support team that is available round the clock to offer any assistance you may need.

High Claim Settlement Ratio

Tata AIG Health Insurance has a very healthy claim settlement ratio of 96.43% (FY 2020-21). You can rest assured knowing that Tata AIG is committed to providing quick and efficient claim settlements. Additionally, the Tata AIG Health Insurance claim settlement process is very simple and straightforward.

Fully Online Process

Tata AIG Health Insurance can be purchased from the comfort of your home, so bid goodbye to long queues and complicated processes. You can file your claims and track them online as well.

Attractive Discounts

When you purchase the Tata AIG MediCare. MediCare Premium, or MediCare Protect Health Insurance plans for two years, you can get a discount of 5% on the insurance premium. When you purchase a family floater plan, you can get additional discounts as well. These discounts can help bring down the total premium amount significantly, helping you save while staying protected!

Cover for Pre-existing Illnesses

Many health insurance plans do not cover pre-existing illnesses. However, this is not the case with Tata AIG. Coverage against pre-existing illnesses will be extended after a short waiting period, which can range anywhere between two to four years.

What's Covered & Not Covered in Tata AIG Health Insurance

We’ve compiled a list of inclusions and exclusions under Tata AIG Health Insurance for your perusal.

Inclusions	Exclusions
Maternity cover	Plastic or cosmetic surgery
Pre and post hospitalisation cover	Sanatorium treatment, rest cure, rehabilitation measures
Covers pre-existing illnesses	Claiming coverage for pre-existing diseases within 36 months of policy activation
Cashless services at 7000+ network hospitals	Intentional injuries
Ambulance cover	Nutritional and electrolyte supplements
Enjoy No Claim Bonus in the form of cumulative bonuses for each claim-free year	Unproven and experimental treatment
AYUSH cover	Treatment by unlicensed professional
Covers daycare procedures	Diagnostic expenses that are not related to the current diagnosis
Covid-19 cover	Surgical treatment of obesity
Covers hospitalisation costs	Alcoholic pancreatitis

Disclaimer: kindly refer to your policy document to know the complete list of inclusions and exclusions.

How to Buy Tata AIG Health Insurance policy at Bajaj Markets

Here’s how you can purchase the Tata AIG Health Insurance plan on Bajaj Markets:

Step 1 : Go on to the health insurance premium calculator page.
Step 2 : Type in your name, age, mobile number, and other details.
Step 3 : Pick a health plan that suits you best.
Step 4 : At this stage, you may also add any covers or add-ons.
Step 5 : Make the payment.

You will now receive your policy details through your registered email ID or mobile number.

How to Calculate Tata AIG Health Insurance

You can calculate your Tata AIG Health Insurance premium with the help of the premium calculator on Bajaj Markets. This calculator is very simple to use. All you need to do is go on the page, enter in all necessary details. Then, all applicable health insurance plans will be displayed along with the premium. Choose the one that works best for you.

Tax Benefits of Tata AIG Health Insurance

The following table outlines the tax benefits offered by Tata AIG Health Insurance:

Specification	Tax Benefit
Individual health insurance Regular citizen	Up to ₹25,000/year
Individual health insurance Parents under 60 years	Up to ₹25,000/year
Health insurance Senior citizen	Up to ₹50,000/year
Health insurance Regular citizen + senior citizen parent	Up to ₹75,000/year (₹25,000 + ₹50,000)
Health Insurance Senior citizen + senior citizen parent	Up to ₹1 Lakh/year (₹50,000 + ₹50,000)
Preventive health check-ups Self, parents, spouse, and dependent children	Up to ₹5,000/year

How to File Tata AIG Health Insurance Claims

Here’s how you can file a Tata AIG Health Insurance claim:

Cashless Claims

Cashless claims are claims where you will not be required to make any payment out of pocket for the hospitalisation at any network hospital. Here’s how you can make a cashless claim:

Planned Hospitalisation

Step 1: Let the insurer know about your planned hospitalisation. Make sure to send them an email or letter at least 48 hours before the treatment.
Step 2: Your insurer will send a confirmation letter once your claim has been approved. This confirmation letter is valid for seven days from the issued date.
Step 3: On the day of the treatment, submit your confirmation letter and health card to the network hospital.

That’s about it, you can get your treatment free of cost. Your insurer will settle the bills with the hospital.

Emergency Hospitalisation

Step 1: Let the insurer know about the emergency hospitalisation within 24 hours.
Step 2: The hospital will now fill the cashless claim form and send it to the insurer.
Step 3: After this, the insurer will send an authorisation letter.

Even in this case, you will not be required to make any payment for your treatment. Your insurer will take care of the bills for you.

Reimbursement Claim

A reimbursement claim is when you get treated at a hospital of your choice, settle the bills and then file a claim to get compensated. Here’s how you can get started with a reimbursement claim:

Step 1: Make sure to check your bills before making the hospital bill payment. This will ensure that all details are in order for a hassle-free claim process.
Step 2: Fill in the claim form and collect all the necessary documents.
Step 3: Submit the reimbursement claim.
Step 4: Once the claim has been processed and validated, your claim amount will be credited to your account.

What is the Tata AIG Health Insurance Claim Settlement Ratio?

Here’s the Tata AIG Health Insurance claim settlement ratio:

Insurer	Claim Settlement Ratio	Starting Premium	Check Plans
Tata AIG Health Insurance	96.43% (FY 2020-21)	₹612/month	View Plans

Documents Required for Filing Tata AIG Health Insurance Claims

Here are the documents you’ll need to file for a Tata AIG Health Insurance claim:

Cashless Claims

Insurance card
Customer ID
Duly filed CKYC if claim amount is more than ₹1 Lakh
Policy copy
Address proof

Reimbursement Claim

Duly filled and signed claim form
Policy copy
Medical certificate with the doctor’s sign
Pathological reports
Hospital discharge card
All original bills
Investigation report
Copy of the MLC or FIR (wherever applicable)
NEFT details
Duly filled and signed CKYC form

Tata AIG Health Insurance Network Hospitals

Network hospitals are instrumental in making cashless claims and can help simplify the entire claim process. Tata AIG has over 7000 network hospitals all across the country, so no matter where you are, you’ll likely find a network hospital near you!

Disclaimer:

Insurance is subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read policy wordings carefully available on our website www.tataaig.com before concluding a sale. The benefits and features of the products and services are purely indicative in nature.

The purchase of Tata AIG General Insurance Company Limited products by BAJAJ FINSERV DIRECT LIMITED customers is purely on a voluntary basis. For clarifications, customers can call on 1800 266 7780 or 1800 22 9966 or write to customersupport@tataaig.com. This information is given by BAJAJ FINSERV DIRECT LIMITED whose registered office is at Fourth floor, B2, Cerebrum IT Park, Captain Sopanrao Trimbakrao Mulik Path, Kalyani Nagar, Pune, Pune, Maharashtra, 411014. BAJAJ FINSERV DIRECT LIMITED is a Licensed Corporate Agent (Mention License no CA0551) of Tata AIG General Insurance Company Limited (IRDA of India Registration no. 108 CIN: U85110MH2000PLC128425). The insurance products are underwritten by Tata AIG General Insurance Company Limited. Bajaj Finserv Direct Limited is a registered corporate agent of Tata AIG General Insurance Limited For Bajaj Finserv Direct Limited, IRDAI Registration Number CA0551.

What is the claim settlement ratio for Tata AIG Health Insurance?

Tata AIG Health Insurance has a healthy claim settlement ratio of 96.43% for FY 2020-21.

How can I know the Tata AIG Health Insurance hospital list?

You can go on the Tata AIG Health Insurance page and navigate to the ‘Network Hospital’ section. Then, enter your preferred city into the search bar. Now, a list of nearby network hospitals will be displayed on the screen.