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Tata AIG Health Insurance
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
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Tata AIG Health Insurance

TATA AIG is a general insurance company that provides a wide range of health insurance policies designed to aid people in providing quality medical care in times of need. This company offers health insurance plans of the diverse budget range, further details about which can easily be acquired by taking a look at the Tata AIG health insurance premium chart.

Reason to Choose TATA AIG Health Insurance

You have a handful of reasons to choose TATA AIG health insurance. Some of them are:

  • The insure ensures a hassle-free and smooth claim settlement, providing both cashless and reimbursement facility.
  • With the online process, the buying process can be entirely paperless and less time-taking.
  • The insurer also offers easy portability facility, where a policy from another insurance provider can be shifted to TATA AIG with ease.
  • The post-sale services can be availed 24x7 at the TATA AIG customer care.
  • The insurer offers suitable saving options on premiums for availing family floater plan and long-term policy.

Features and Benefits of the Tata AIG Health Insurance Plans

The policy comes with following features and benefits:

  • Cashless Benefit: Tata AIG Medical Insurance provides cashless claims across 5200+ network hospitals. People can find a list of network hospitals at the official website of Tata Medical Insurance. In case the policyholder opts to avail treatments at any of these hospitals, all of their expenses shall be both handled and settled by TATA AIG itself.
  • Free Health Check-up: All the Tata Health Insurance plans feature an in-built free check-up facility. These check-ups tend to be allowed up to a certain limit either annually, or after a span of 2 to 4 policy years. These free-checkups coming under a Tata AIG Health Insurance Policy help individuals to avail of routine checkups without bearing any expenses to maintain their good health and well-being.
  • Additional Protection over Employer Coverage: People who are already covered by a group health insurance plan sponsored by their employer may also invest in a Tata AIG Mediclaim Policy. The Tata AIG Medical Insurance plans can enable these people to boost their existing group health coverage. People can opt to invest in any Tata AIG Health Insurance policy to enhance their sum insured to make sure that all their medical expenses are adequately met.
  • Claim Settlement Ratio: With a claim settlement ratio of 96% , the insurer ensures that the maximum claims made for a Tata Mediclaim plan are settled within a short period. 
  • Expansive coverage against medical expenses: Tata AIG Health Insurance plans provide expansive coverage benefits, including coverage for domiciliary treatments, ambulance costs, inpatient hospitalization, daycare treatments, pre- and post-hospitalization, etc.  People can also cover maternity expenses, OPD expenses, and bariatric treatments under some of the Tata Health Insurance Expenses involved vaccination after these plans also cover the animal bite. 
  • Tax Benefit: People can avail of a tax benefit of up to Rs. 55,000 (Rs. 30,000 for senior citizen and Rs. 25,000 for individuals) under Section 80D of the Indian Income-tax Act 1961 for the premiums paid for any Tata AIG Mediclaim Policy.
  • Lifelong renewability: Lifelong policy renewal benefit is provided for Tata AIG Health Insurance Plans. There is no loading required for the renewal of these policies.
  • No medical checkup: No pre-policy medical check-up involved in investing in any Tata AIG Medical Insurance
  • Customer service: Tata AIG health insurance review mentions that the insurance company provides customers with 24*7 online and on its customer care helpline. Hence, people can easily contact them for any help, queries, and complaints, anytime they want.

Tata AIG Health Insurance Plans Comparison Table

In the below table, the different plans are mentioned along with their features:

Name of the Plan

Type of Plan

Minimum/Maximum Age

Tenure of Plan

Wellsurance Family Policy

Family Floater

Adult: 18 years– 65 years
Child: 6 months – 23 years

Minimum: 1 year

Wellsurance Executive Policy

Individual

Adult: 18 years– 65 years

Minimum: 1 year

Wellsurance Woman Policy

Individual

Adult: 18 years – 65 years

Minimum: 1 year

MediPlus

Individual/Family Floater

Adult: 18 years– 65 years
Child: 91 days – 21 years

Minimum: 1 year
Maximum: 2 years

MediRaksha

Individual/Family Floater

Adult: 18 years– 65 years
Child: 91 days – 21 years

Minimum: 1 year
Maximum: 2 years

MediCare Health Insurance

Individual/Family Floater

Adult: 18 years– 65 years
Child: 91 days – 21 years

Minimum: 1 year

Maximum: 3 years

MediCare Premier

Individual/Family Floater

Adult: 18 years– 65 years
Child: 91 days – 21 years

Minimum: 1 year

Maximum: 3 years

MediCare Protect

Individual/Family Floater

Adult: 18 years– 65 years
Child: 91 days – 21 years

Minimum: 1 year

Maximum: 3 years

MediSenior

Individual

61 years onwards

Minimum: 1 year

Maximum: 2 years

Critical Illness Insurance Plan

Individual

18 years– 65 years

1 year

MediPrime – Cashless Health Insurance

Individual/Family Floater

Adult: 18 years– 65 years
Child: 91 days – 21 years

Minimum: 1 year

Maximum: 2 years

Tata AIG Health Insurance Plans Explained

TATA AIG health insurance plans are well-explained below:

Wellsurance Family Policy

This family floater Tata AIG Mediclaim Policy, provides coverage to the policyholder, spouse, children, and dependent parents.

Some of the prime features of Tata AIG Wellsurance Family Policy are:

  • There are both indemnity oriented claims and lump-sum benefits paid by this Tata Medical Insurance
  • The coverage provided for diverse medical expenses tends to differ in this Tata Health Insurance Plan.
  • The Tata AIG Wellsurance Family Policy has three coverage variants; namely Classic, Supreme, and Elite.
  • This Tata AIG Health Insurance includes several value-added services, like offers on selected diagnostic centers, gymnasium and spa, and so on.

The coverage benefits offered by this Tata AIG Health Insurance Policy include:

  • Ambulance cost on the actuals
  • Critical illnesses (more than 10 illnesses are covered)
  • Daily cash allowance paid for hospitalization for sickness or accident.
  • Daily cash benefit for ICU admission
  • Convalescence benefit
  • Education benefit in the scenario of the accidental death or disablement of the insured

The policy parameters of diverse variants of this Tata Health Insurance Plan are:

  • Classic Plan – It offers critical illness coverage of Rs 2, 00,000, along with lower expense cover for various benefits compared to its other two variables.
  • Supreme Plan – Offers critical illness coverage of Rs 3, 00,000, along with higher expense cover for benefits compared to the Classic plan.
  • Elite Plan – Offers critical illness coverage of Rs 4, 00,000, along with the highest expense cover for benefits in comparison to its other two variables.

Wellsurance Executive Policy

This Tata AIG Health Insurance Policy is majorly a blend of an indemnity health plan and a fixed benefit health plan. This policy pays a lump-sum benefit on diverse medical complications and actual costs in the case of others. 

Some of the key features of Tata AIG Wellsurance Executive Policy are:

  • This Tata AIG Mediclaim Policy comes in 3 variants, namely Supreme, Classic, and Elite.
  • The payable amount under distinguished circumstances is varied and tends to depend on the plan variant.
  • Lump-sum payments offered under thisTata AIG Mediclaim policy enables people to take care of their financial obligations.
  • This Tata AIG Health Insurance Policy covers medical expenses that are incurred due to hospitalization.

The list of benefits of this Tata Health Insurance policy option includes the following:

  • Ambulance cost
  • Daily cash allowance is paid for hospitalization for accident or sickness.
  • Operation charges
  • Critical illnesses (11 illnesses)
  • Major surgeries
  • Minor surgeries
  • OPD expenses
  • Kidney dialysis
  • Chemotherapy
  • Hospital cash benefit
  • Convalescence benefit
  • Post hospitalization expenses

The policy parameters of diverse variants of this Tata Health Insurance Plan are:

  • Classic plan – Offers critical illness coverage of Rs 3, 00,000, along with lower expense cover for various benefits compared to its other two variables.
  • Supreme plan – Offers critical illness coverage up to a maximum of Rs 5, 00,000, along with higher expense cover for benefits compared to the Classic plan.
  • Elite plan – Offers critical illness coverage up to a maximum of Rs 7, 50,000, along with the highest expense cover for benefits in comparison to its other two variables.

Tata AIG Wellsurance Woman Policy

This unique Tata AIG Medical Insurance is primarily meant for women. This policy has been designed to target contemporary, busy women who perfectly balance their personal and professional lives. 

The key features of Tata AIG Wellsurance Woman Policy include the following:

  • Under this Tata Medical Insurance plan, both actual expense and lump-sum benefit are paid.
  • This Tata AIG Mediclaim Policy comes in 3 variants, namely Supreme, Classic, and Elite.
  • Coverage sum under this Tata Mediclaim plan depends on the distinguished coverage benefits involved in each of its variants.
  • The coverage benefits offered by this Tata AIG Health Insurance Policy includes:
  • Ambulance Cost
  • Daily cash allowance paid for hospitalization for accident or sickness.
  • Critical illnesses (11 illnesses)
  • Daily cash benefit for admission in ICU
  • Convalescence benefit
  • Cosmetic reconstruction surgeries
  • Education benefit for disablement of insured or accidental death

The policy parameters of diverse variants of this Tata Health Insurance Plan are:

  • Classic plan – Offers critical illness coverage of Rs. 3, 00,000, along with lower expense cover for various benefits in comparison to its other two variables.
  • Supreme plan – Offers critical illness coverage up to a maximum of Rs. 5, 00,000, along with higher expense cover for benefits compared to the Classic plan.
  • Elite plan – Offers critical illness coverage up to a maximum of Rs. 7, 50,000, along with the highest expense cover for benefits compared to its other two variables.

Tata AIG MediPlus Plan

MediPlus is a top-up Tata AIG Health Insurance policy that aids in supplementing the existing medical insurance coverage of policyholders. In case their health insurance claims are beyond the relevant deductible, the surplus claim amount shall be paid under the MediPlus plan.

A few of the features of this Tata Mediclaim top-up plan are:

  • A wide range of deductible and sum insured options can be availed.
  • Policyholders may also opt to waive the deductibles in case they desire to pay any added premium.
  • Policyholder can save on premiums, provided for both selecting a long term plan and for making family members additions.
  • Rs 5, 00,000 coverage, along with deductibles in the range of Rs. 1, 00,000, and Rs. 5, 00,000 is offered in this Tata AIG Health Insurance Policy

The coverage advantages of this Tata AIG Medical Insurance top-up includes:

  • Pre-hospitalization expenses
  • Inpatient hospitalization
  • Daycare treatments
  • Domiciliary treatments
  • Ambulance costs
  • Post-hospitalization expenses
  • Organ donor expenditures

Tata AIG MediRaksha Plan

This is an affordable Tata Medical Insurance plan. This Tata AIG Mediclaim Policy provides coverage for hospitalization expenses in the scenario of an accident or sickness. 

A few of features of this Tata AIG Health Insurance Policy are:

  • A co-pay of 15 % is applicable in the Tata AIG MediRaksha Plan.
  • Coverage is available for a maximum of seven family members under this Tata AIG Health Insurance, including dependent parents.
  • There are 2 varieties of premium savings for lower premiums in this Tata AIG Mediclaim Policy.
  • Pre-entrance medical check-ups are not required under this Tata Health Insurance Plan until the age of 55 years.
  • Free health check-up is provided after 4 claim-free years under this Tata Health Insurance Plan.

Here are the coverage benefits provided under the Tata AIG MediRaksha Plan:

  • Pre hospitalization expenses
  • Inpatient hospitalization
  • Daycare treatments
  • Ambulance costs
  • Post hospitalization expenses
  • Expenses of Organ donor

Tata AIG MediCare Health Insurance

This is an indemnity Tata Health Insurance Plan that provides coverage for hospitalization expenses due to any injury or illness.

A few of the top features of this Tata AIG Health Insurance Policy are:

  • International treatment is covered under this Tata AIG Health Insurance.
  • Sum insured under this Tata Health Insurance is restored in case it has been exhausted any year.
  • The sum insured of this Tata Medical Insurance increases 50% after each claim-free year.
  • Free health check-ups are provided under the Tata AIG Medicare Policy after 2 claim-free policy years.
  • There are savings on premiums available under this Tata AIG Medicare Policy for choosing long term cover, adding more family members, and for opting for shared accommodation.
  • The accidental death rider can opt as optional cover under this Tata AIG Medicare Policy

Here are the  benefits offered under the Tata AIG Medicare Policy:

  • Cover for bariatric surgery
  • Consumables cover
  • Inpatient hospitalization
  • Pre and post-hospitalization expenses
  • Daycare treatments
  • Expenses of organ donor
  • Domiciliary treatments
  • Dental treatments (inpatient)
  • AYUSH treatments
  • Ambulance costs
  • Free second medical opinion
  • Hearing aids cost
  • Compassionate travel D
  • Daily cash allowance for insured child and shared accommodation

Tata AIG Medicare Premier Plan

This Tata Medical Insurance policy provides a wide range of coverage benefits to its discerning policyholders.

A few of the major features of Tata AIG Medicare Premier plan are:

  • Tata AIG Medicare Premier plan provides coverage for medical treatments undertaken overseas, in case the insured was diagnosed within the country.
  • Premium savings are available under the Tata AIG Mediclaim Policy that makes the plan affordable
  • The insured sum in this Tata Medical Insurance policy is restored if utilized on previous claims.
  • The insured sum of the Tata AIG Medicare Premier plan will be doubled after 2 claim-free years.

Here are the benefits offered under Tata AIG Medicare Premier policy:

  • Bariatric surgery cover
  • Inpatient hospitalization
  • Daycare treatments
  • Domiciliary treatments
  • AYUSH treatments
  • Consumables cover
  • Pre and post-hospitalization
  • Organ donor expenses
  • Inpatient dental treatments
  • Ambulance costs
  • Vaccination expenses for 1st year
  • Free second medical opinion
  • OPD treatments
  • Coverage for high-end diagnostic tests on OPD basis
  • Prolonged hospitalization recovery benefit
  • First-year vaccination cover for the newborn baby
  • Daily cash allowance for shared accommodation, and accompanying an insured child

Tata AIG MediCare Protect

Much like the Tata AIG Medicare Policy, the Tata AIG MediCare Protect is an indemnity plan. It, however, has low premium rates because its sum insured level is lower.

A few of the fey features of this Tata AIG Health Insurance Policy are:

  • Tata AIG Health Insurance provides the facility of lifelong renewal.
  • The sum insured is restored if it is used up in a policy year on earlier claims.
  • Sum insured is increased by 10% after each claim-free year.
  • People may opt for the accidental death benefit under this Tata AIG Mediclaim Policy.

Here are the major benefits of Tata AIG Medicare Protect Plan:

  • Pre and post-hospitalization expenses
  • Consumables cover
  • Inpatient hospitalization
  • Expenses of Organ donor
  • Domiciliary treatments
  • Compassionate travel
  • Daycare treatments
  • AYUSH treatments
  • Ambulance costs Free
  • Free second medical opinion

Tata AIG MediSenior Plan

Tata AIG Mediclaim Policy is meant for elderly individuals and provides them with comprehensive coverage at affordable pricing.

A few of the features of Tata AIG MediSenior Plan are:  

  • A savings on premium of 5% is allowed if there is no claim in a policy year.
  • People aged 61 years and above can easily buy this Mediclaim, there is no maximum age limit to this policy.

Here are the coverage benefits provided by this Tata Health Insurance Plan:

  • Post andPre hospitalization expenses
  • Inpatient hospitalization
  • Daycare treatments
  • Domiciliary treatments
  • Ambulance costs
  • Expenses of Organ donor

Tata AIG Mediprime Plan

The Tata AIG Group Mediprime is an indemnity health insurance policy.

A few of the top features of Tata AIG Mediprime plan are:

  • The sum insured of the Tata AIG Mediprime policy is increased by 10% at the same premium in case no claim is made in a policy year.
  • The Tata AIG Group Mediprime policy can be renewed lifelong.

Here are the coverage benefits provided under the Tata AIG Group Mediprime policy:

  • Inpatient hospitalization
  • Pre and post-hospitalization
  • Daycare treatments
  • Expenses of Organ donor
  • Domiciliary treatments
  • Accidental dental treatments
  • AYUSH treatments
  • Ambulance costs
  • Vaccination for animal bites 

Tata AIG Critical Illness Insurance Plan

Tata AIG Critical Illness Insurance Plan provides a lump-sum benefit if the insured suffers from any of the covered critical illnesses. These illnesses include:

  • First heart attack of specified severity
  • Major burns
  • Cancer of specified severity
  • Open chest CABG
  • Total blindness
  • Stroke which causes permanent symptoms
  • Transplant of major organs or bone marrow
  • Multiple Sclerosis which has persisting symptoms
  • Permanent paralysis of limbs
  • Coma related severity
  • Regular dialysis due to Renal failure 

Tata AIG Health Insurance Coverage Exclusions

Health insurance plans provided under the Tata AIG Health Insurance have certain exclusions regarding coverage. They are:

  • Treatments took at a place which is not a hospital
  • Unproven and Experimental treatments
  • Any illness (excepting accidental injuries) that occurs within the first 30-60 days of buying the Tata AIG Mediclaim Policy
  • Self-inflicted injuries
  • Treatment of mental disorders and psychiatric conditions
  • Congenital disorders
  • Injuries sustained while being under the influence of alcohol/drugs
  • Injuries sustained while undertaking a criminal act
  • Sexually transmitted diseases, such as HIV or AIDs infections, and other venereal diseases
  • Maternity costs, childbirth, and pregnancy (until these expenses are expressly covered)
  • Accidents and injuries taking place due to the problems of war civil unrest, nuclear threats or contamination, and so on
  • Cosmetic procedures and treatments

Claim Process of the Tata AIG Health Insurance

TATA AIG health insurance can be claimed as Cashless claim or reimbursement claim settlement. The below are the steps for claiming the policy:

Cashless Claim

Cashless claims are to be availed at a network hospital only. The claim steps include:

The insured has to duly fill and submit a pre-authorization letter containing the claim details. In case of emergency hospitalization, this form has to be submitted within 24 hours of hospitalization. However, the form has to be submitted at least 3-4 days prior hospitalization, in case it is planned.

  • Send the pre-authorization claim form to the insurer.
  • The insurer shall assess the claim form and approve/ deny the claim.
  • If the claim is approved, the hospital bills will be settled directly by the insurer.
  • Original copies of medical bills, discharge summary, and medical reports have to be submitted with claim form after the patient is discharged.

Reimbursement Claim Settlement

In case a cashless claim is denied, or the treatment is taken from a non-registered hospital, the insured can register for a reimbursement claim. The steps are as mentioned below:

  • Contact the Third Party Insurer (TPA) to initiate the claim process.
  • Collect all the required documents and submit them to the insurer.
  • The insurer shall evaluate the documents and approve/deny the claim based on it.
  • Once approved, the claim amount shall be reimbursed to the bank account of the insured.

Tata AIG Health Insurance Renewal

The following steps mention the plan renewal process of Tata AIG Health Insurance:

  • Visit paisawiki.com
  • Choose the ‘Renew’ option and then check the category as 'Health.'
  • Enter the policy number and phone number.
  • Check the details popping up on the screen and make any changes if required.
  • The renewal premium shall be shown that people must pay online.
  • The policy would be renewed and a fresh copy of the policy will be mailed to the registered e-mail Id.

How to Buy a Health Insurance Plan of TATA AIG?

People can easily invest in a Tata Health Insurance Plan through the following ways:

  • Agent – People may meet an agent belonging to the TATA AIG, and subsequently buy any Tata AIG Mediclaim Policy from them.
  • The company's branch: Any Tata AIG Medical Insurance plan can easily be purchased through any of the insurance company's local branches.
  • Phone: People may give a call at 1800 266 7780, which is the toll-free contact number of TATA AIG. A customer care executive would subsequently aid them to invest in any of the Tata AIG Health Insurance Plans over the phone.
  • Online: Multiple Tata AIG Health Insurance policies can be bought online. Alternatively, one can also buy through the official website of Paisawiki.com. The following steps required to be followed to buy the policy online:
  • Visit paisawiki.com and click on the ‘Health’ option.
  • The next step is to, enter the relevant details like contact number, gender, number of people to be covered, area PIN code, etc.
  • Click on the ‘Get Quote’ Option.
  • Applicants would have to provide their DOB, contact details, and any pre-existing illnesses that they might have.
  • After entering these details, they would be provided with the premium percentages of diverse Tata AIG Health Insurance Plans
  • They can select the coverage plan as per their requirements, make online premium payments, and the insurance plan shall be ultimately issued.

Policy seekers must try to compare Tata AIG Health Insurance plans online before investing in them to enjoy the perfect coverage needed by them.  

Documents Required to Purchase a Tata AIG Health Insurance Policy

The documents required to apply for a Tata AIG Health Insurance Policy are as follows:

  • Photograph
  • Proof of Identity
  • Proof of Address
  • Proof of Age
  • Medical report (depending on the age and sum insured as per the policy application)

FAQs

Written By: Paisawiki - Updated: 22 September 2020

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