Tata AIG Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 94.2%
PED Coverage
Covered after 2 Year
Save Tax Under
Section 80D

About Tata AIG Health Insurance

TATA AIG General Insurance Company Limited is a well-established joint venture between the TATA Group and the American International Group (AIG). With a history spanning nearly two decades since its inception on January 22, 2001, TATA AIG General Insurance has emerged as a prominent player in the insurance industry. Over the years, the company has gained widespread recognition for its diverse range of products and exceptional services.

TATA AIG General Insurance offers a comprehensive range of health insurance products tailored to meet the varying needs of individuals, families, women, senior citizens, as well as plans specifically designed to address specific diseases and critical illnesses. To ensure a seamless and convenient claim settlement process, the insurer has established partnerships with over 3,000 hospitals within its extensive network of cashless hospitals.

Through its extensive portfolio of health insurance offerings and strong network of hospital partners, TATA AIG General Insurance has earned a reputation as a trusted provider, catering to the insurance needs of customers with efficiency and convenience.

TATA AIG Health Insurance Plans Summary

TATA AIG Health Insurance offers a range of comprehensive health insurance plans designed to cater to different needs. Here are the top health insurance plans provided by the insurer:

TATA AIG MediCare Health Insurance Plan: TATA AIG Medicare is a comprehensive health insurance plan that covers in-patient, pre and post-hospitalization expenses incurred in India. Additionally, the plan provides coverage for inpatient and daycare hospitalization expenses incurred outside India, if the diagnosis was made in India. The plan also covers expenses related to Bariatric surgery for obesity treatment and offers benefits like vaccination cover and compassionate travel cover, allowing a family member to be present during hospitalization.

TATA AIG MediPlus Health Insurance Plan (DISCONTINUED): This top-up plan offers additional coverage during medical emergencies, providing a safety net for policyholders and their loved ones. It covers individuals from 91 days old to 65 years old, with a maximum of 7 people under one plan. The coverage includes in-patient hospitalization, pre and post-hospitalization, organ transplant, day care procedures, dental treatments, and domiciliary treatment. The plan offers hassle-free claim processing, easy portability, lifelong renewal, and coverage for ambulance charges.

TATA AIG MediSenior Health Insurance Plan (DISCONTINUED): This senior citizen health insurance plan ensures that policyholders and their spouses receive proper medical treatment and financial support. The plan covers organ donation expenses, medical treatments at home, in-patient hospitalization, pre and post-hospitalization, and day care procedures. It also provides coverage for ambulance charges and allows lifelong renewal with the option to increase the sum assured.

TATA AIG Critical Illness Health Insurance Policy: This plan offers coverage for 11 critical illnesses, including heart attack, cancer, stroke, organ transplant, and paralysis. It also covers expenses for seeking a second opinion on critical illnesses. The plan allows for increasing the coverage amount through the "Sum Insured Enhancement" feature and provides the entire coverage amount as a lump-sum payment.

TATA AIG Wellsurance Woman Health Insurance Plan: Specifically designed for women, this plan provides comprehensive coverage for various health needs. It offers benefits for critical illnesses, in-hospital care for accidents and sickness, intensive care unit benefits, and convalescence benefits. The plan covers ambulance charges, ICU charges for 15 days, and cosmetic reconstruction surgery. Additional features include a free health line, health portal, health query service, discounted services for health and wellness, and an e-newsletter.

These health insurance plans from TATA AIG aim to provide extensive coverage and benefits to individuals and their families, addressing their unique healthcare requirements.

Network Hospital

Type your city

Why Choose TATA AIG Health Insurance?

Tata AIG offers numerous advantages that make it a preferred choice for health insurance. Here are some of the benefits of having Tata AIG health insurance:

  • Cashless Hospitalization: Tata AIG provides access to a vast network of 7,200+ hospitals nationwide, allowing policyholders to avail cashless hospitalization in case of emergencies. The insurer directly settles the medical expenses with the hospital.
  • Round-the-clock Assistance: The insurance company offers 24x7 customer assistance, ensuring that policyholders can reach out to the dedicated team anytime for immediate assistance and resolution of queries.
  • High Claim Settlement Ratio: Tata AIG boasts a commendable claim settlement ratio of 94.43% during the financial year 2020-2021. This high ratio signifies a smooth and hassle-free claim settlement process for policyholders.
  • Paperless Facilities: With advanced digital facilities, Tata AIG provides a seamless online experience for insurance-related activities. Policyholders can choose, compare, and purchase insurance products, make premium payments, file claims, and renew policies conveniently and securely from anywhere at any time.
  • Range of Discounts: Tata AIG offers a wide range of discounts to policyholders, providing cost-saving opportunities. Discounts may be available for opting for long-term policies, choosing a family floater health insurance plan, and other eligible criteria.

These advantages make Tata AIG health insurance a reliable and convenient option for individuals and families seeking comprehensive coverage and efficient services.

Key Features of Tata AIG Health Insurance

  • No Room Rent Limit – Tata AIG health insurance plans offer comprehensive coverage without any limitations on room rent, ensuring that policyholders can avail hospital accommodation up to the sum insured limit.
  • Effortless Claim Process – With a team of over 650 claim experts, the insurance company ensures a streamlined and prompt settlement of claims. The online claim process minimizes paperwork, providing a hassle-free experience.
  • No Co-Payment Requirement – Tata AIG health plans eliminate the need for co-payment, reducing the policyholder's out-of-pocket expenses during claim settlement.
  • Medical Coverage for NRIs – Specially designed health insurance plans cater to the medical needs of Non-Resident Indians (NRIs) during their visits to India, offering comprehensive coverage for medical expenses.
  • Tax Benefits – The premium paid for Tata AIG health insurance policies qualifies for tax deductions under Section 80D of the Income Tax Act, providing additional financial benefits.
  • 24x7 Customer Assistance – The insurance company offers round-the-clock customer support, ensuring that policyholders can seek assistance and guidance whenever required.

TATA AIG Health Claim Settlement Ratio

The Claim Settlement Ratio of a health insurance company represents the percentage of claims successfully settled by the company compared to the total number of claims received during a financial year. It serves as an important indicator of an insurance company's efficiency in handling customer claims.

As a prudent health insurance buyer, it is essential to consider the Claim Settlement Ratio of an insurer before purchasing a plan. Here are the Claim Settlement Ratios for Tata AIG Health Insurance in the last two financial years:

Financial Year | Claim Settlement Ratio

FY 2018-2019 | 78.93%
FY 2019-2020 | 76.04%

These figures demonstrate the insurer's commitment to efficiently settling claims and providing timely support to policyholders when they need it most. TATA AIG Health Insurance stands out as a reliable and trustworthy option for individuals seeking comprehensive health coverage.

Dedicated Whatsapp Claim Assistance

TATA AIG Health Claim Process

The process of filing a health insurance claim involves the policyholder requesting reimbursement for their incurred medical expenses from the insurance provider. There are two types of health insurance claims: cashless claim and reimbursement claim.

Cashless Claim Process

When a policyholder receives medical treatment at a network hospital affiliated with TATA AIG Health Insurance, the claim can be processed on a cashless basis. This means that the insurer directly settles the medical expenses with the hospital. Here are the steps to raise a cashless claim with TATA AIG Health Insurance:

Follow these steps to raise a cashless claim with National Insurance Company:

Step 1: Inform the Insurer
Notify TATA AIG Health Insurance about your hospitalization at least 48 hours before admission for planned hospitalization, or within 24 hours of emergency hospitalization, by calling 1800 266 1363.

Step 2: Submit Pre-Authorization Request
Provide the insurer with a complete medical report, treatment details, and necessary certifications from the doctor or hospital.

Step 3: Document Verification
The network hospital will share the submitted documents with the insurer's claim settlement team for verification.

Step 4: Claim Approval
During the verification process, the claim settlement team may request additional information or reports. Based on the verification, the claim will be either accepted or rejected.

Step 5: Claim Settlement
If the claim is approved, the insurer will issue a pre-authorization to the network hospital for cashless treatment, and the admissible claim amount will be paid by the insurer directly.

Reimbursement Claim Process

When a policyholder receives medical treatment at a non-network hospital, they will need to settle the bills themselves and later request reimbursement from TATA AIG Health Insurance, subject to the policy's terms and the sum insured. Here are the steps to file a reimbursement claim with TATA AIG Health Insurance:

Step 1: Receive Medical Treatment
Seek medical treatment at a non-network hospital and make the necessary payments for hospital bills and expenses. Retain all the bills, receipts, reports, and relevant documents.

Step 2: Submit Required Documents
After being discharged from the hospital, submit all the necessary documents listed in the policy terms to the insurance provider.

Documents Required for TATA AIG Health Insurance Reimbursement Claim:

  1. Completed claim form
  2. Original bills, receipts, and discharge certificate from the hospital
  3. Original cash memos from the hospital or chemists with proper prescriptions
  4. Original receipts and pathological test reports with proper prescriptions
  5. Surgeon's report stating the nature of the operation performed, along with the original bill and receipt
  6. Attending doctor's or specialist's original bill and receipt with the diagnosis report
  7. Medical history or summary of the insured individual
  8. Original bills and receipts for ambulance charges, if applicable

Step 3: Document Verification
The insurance provider will conduct a verification process to review the submitted information and documents. They may request additional information, reports, or documents during the verification stage.

4: Claim Settlement
Upon confirming the accuracy and validity of the reports and medical documents, the insurance provider will accept the claim request and reimburse the eligible amount, after deducting any relevant expenses.

Why Buy from Insurejoy.com

  • Wide Range of Insurance Options: Insurejoy.com offers a comprehensive selection of insurance options to meet various needs, including auto, home, life, health, and more.
  • Easy and Convenient: The platform provides a user-friendly and hassle-free experience for insurance seekers. You can easily compare multiple insurance quotes, customize coverage options, and make informed decisions.
  • Trusted Insurance Partners: Insurejoy.com works with trusted insurance partners, ensuring access to reliable and reputable insurance providers. This gives customers peace of mind knowing they are dealing with reputable companies.
  • Personalized Recommendations: The platform offers personalized insurance recommendations based on individual requirements, helping customers find the best coverage options tailored to their specific needs.
  • Expert Guidance: Insurejoy.com provides expert guidance and support throughout the insurance process. Their knowledgeable team is available to answer questions, provide assistance, and help customers navigate the complexities of insurance.
  • Competitive Pricing: Insurejoy.com strives to offer competitive pricing for insurance policies, helping customers find affordable coverage without compromising on quality.
  • Transparent and Secure: The platform maintains transparency in policies and pricing, ensuring customers have a clear understanding of their insurance coverage. Additionally, InsureJoy.com prioritizes data security to protect sensitive information.
  • Customer Reviews and Ratings: Insurejoy.com features customer reviews and ratings, allowing users to gain insights from the experiences of others when choosing insurance options.
  • Streamlined Claims Process: In the event of a claim, InsureJoy.com aims to provide a streamlined and efficient claims process, ensuring customers receive the support and assistance they need during difficult times.
  • Insurance Education: Insurejoy.com offers valuable resources and educational materials to help customers understand insurance concepts, make informed decisions, and maximize the benefits of their insurance policies.

Tata AIG Health Insurance

Network Hospitals:
Claim Settlement
Ratio: 94.2%
PED Coverage
Covered after 2 Year
Save Tax Under
Section 80D
Need Health Claims Help?Chat with us