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TATA AIG Health Insurance

Tata AIG General Insurance Company Limited was established in January 2001 as a joint venture between the Tata Group and the American International Group (AIG). The company offers a rich variety of insurance solutions including health insurance, home insurance, motor Insurance, Travel Insurance, and rural-agriculture Insurance. All these products come with a wide range of benefits and aim at fulfilling the different types of insurance needs of individuals and businesses. 

The company has an empowered support and claims team which makes sure that the customers get consistent support and help while settling their claims with the company. At present, the customer service team of TATA AIG company comprises 450 team members, operating from various offices across India. In addition to this, the company is also expanding its penetration in India with various significant partnerships with leading business names from varied industries.

Key Highlights of The Company

Incurred claim ratio (2019-20)66.61%
Network Hospitals 7,200+
Solvency ratio (2019-20)1.84
No. claims paid (2019-20)1,074,652
No. of policies sold (2019-20)168,794
Premium Underwritten (2019-20) Rs. 7,384.53 crores
Equity Share Capital (As on 31 March, 2020)Rs. 994.46 crores
Corporate AddressPeninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai – 400 013, Maharashtra, India
Customer Helpline number1800 266 7780 or 1800 22 9966 (for senior citizens)

Tata AIG Health Insurance Plans

TATA AIG Insurance group deals in an extensive range of health insurance products to cover different types of healthcare needs of the customers. At present, there are nine health insurance plans offered by the company. A complete list of these plans is given below-

  • Tata AIG MediCare
  • Tata AIG MediCare Plus 
  • Wellsurance Executive Policy
  • Wellsurance Family Health Insurance
  • Wellsurance Women Health Insurance
  • Critical Illness
  • Corporate Health Insurance
  • Arogya Sanjeevani
  • Corona Kavach

1. Tata AIG MediCare

TATA AIG Medicare is a health insurance policy that comes with pocket-friendly premium rates and provides customers with all the benefits that are essential to deal with unpredicted medical emergencies that can happen in future. This plan is available under three variants- Medicare, Medicare Protect and Medicare Premier. All these plans offer different types of coverage options.

Features:

  • Sum Insured options: The plan comes with a wide range of sum insured options which range from amounts as low as Rs. 3 lakhs and as high as Rs. 20 lakhs.
  • Bariatric Surgery: One of the distinguishing features of this plan is that it provides cover for the expenses incurred on the bariatric surgery for treatment of obesity and weight control of the policyholder.
  • Daycare procedure: Under this benefit, customers get coverage against 540+ daycare treatment expenses arising due to disease/ illness/injury during the policy period taken at a hospital.
  • Optional Accidental Death Rider: This plan also offers an additional accidental death benefit rider which can be opted by the customer while taking this plan. This benefit covers 100% of the sum insured in the event of the death of the insured person due to an accident.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry age91 days65 Years
Policy period1 year3 years

2. TATA AIG MediCare Plus

TATA AIG MediCare plus is a super top-up health insurance plan that offers additional health benefits over and above the regular health insurance plan.

Features:

  • Consumables Benefit: Under this benefit, customers get coverage for the expenses incurred on a specified number of items that are consumed during the period of hospitalization directly related to the insured person’s medical or surgical treatment of illness or injury.
  • Optional Global Cover: This is an optional benefit rider of this plan under which customers get coverage for all the treatment costs abroad for a disease or illness that was diagnosed in India and for which they’ve specifically travelled for the purpose of treatment.
  • In-patient dental treatment: This plan also offers a unique in-patient dental treatment benefit cover which provides coverage for the hospitalization/treatment expenses incurred on the policyholder’s dental treatment necessitated due to any injury or illness.
  • Ambulance Cover: The plan also offers ambulance cover benefits for a maximum amount of Rs. 3000 per hospitalization.

Eligibility Criteria:

CriteriaMinimumMaximum
Policy period1 year3 years

3. Wellsurance Executive Policy

TATA AIG Wellsurance Executive Policy is a health insurance policy that is specially designed to take care of the healthcare needs of corporate employees by offering them financial coverage during times of medical emergencies.

Features:

  • Critical Illness Benefit: This plan offers a critical illness benefit under which a lump-sum cover amount is provided to the policyholder in case he/she gets diagnosed with any of the following listed 9 critical illnesses-
    • Cancer
    • First Heart Attack
    • Kidney Failure
    • Stroke
    • Major Burns
    • Multiple Sclerosis
    • Paralysis
    • Total Blindness
    • Coma
  • Ambulance Cover: Customers can also avail of the ambulance benefit under which a cover amount is provided for the medical transportation fees and services incurred on bringing the insured to the hospital and/or returning to the residence after getting discharged from the hospital.
  • Major and minor surgical benefits: The plan also offers a unique benefit under which customers get a lump sum amount on diagnosis/treatment of a major/minor surgery that is already specified in the policy and does not arise due to any pre-existing disease.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry age18 years65 Years

4. Wellsurance Family Health Insurance Plan

TATA AIG Wellsurance Family Health Insurance is a comprehensive family floater health insurance policy that provides protection to the entire family members of the policyholder.

Customers can cover their spouse, children and dependent parents under this policy.

Features:

  • Critical illness benefit: This policy offers critical illness benefits to the policyholders who get diagnosed with any of the below listed 11 critical illnesses.
    • Cancer
    • First Heart Attack
    • Stroke
    • Kidney Failure
    • Coma
    • Coronary Artery Bypass Grafting (CABG)
    • Major Organ Transplant
    • Total Blindness
    • Paralysis
    • Multiple Sclerosis
    • Major Burns
  • Children education benefit: This plan also offers a unique benefit under which financial coverage is provided to fund the education expenses of the policyholder’s child. However, this benefit can only be availed in case of the accidental death or permanent total disability of the earning member of the family.

Eligibility Criteria: 

CriteriaMinimumMaximum
Entry age

Adults-18 years

Child- 6 months

Adults- 65 Years

Child- 18 years

5. Wellsurance women health insurance

TATA AIG Wellsurance Women Policy is a type of health insurance plan which provides women with financial coverage to fight against a variety of illnesses.

  • Critical illness Benefit: This policy offers critical illness benefits under which Lump sum payment is made if the insured person is diagnosed as suffering from the below mentioned 11 Critical Illness for the first time during the policy period
    • Cancer
    • First Heart Attack
    • Stroke
    • Kidney
    • Failure
    • Coma
    • Coronary Artery Bypass Grafting
    • (CABG)
    • Major Organ Transplant
    • Total Blindness
    • Paralysis
    • Multiple Sclerosis
    • Major Burns
  • Cosmetic Reconstruction Surgery: This plan also offers a unique benefit under which financial coverage is provided for the treatment or hospitalization expenses arising due to surgery performed for the purpose of reconstructive procedures.
  • Convalescence Benefits: With this benefit, customers get a lump sum payment to cover expenses related to recovery at home. The benefit can be availed only after getting immediately discharged from the hospital as an inpatient.
  • Ambulance Charges: The plan also provides ambulance cover benefits under which the medical transportation expenses incurred on bringing the insured to the hospital are covered.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry ageAdults-18 yearsAdults- 65 Years

6. Tata AIG Critical Illness Plan

TATA AIG critical illness plan is a type of health insurance policy that provides financial coverage to the policyholders if in case he/she gets diagnosed as suffering from any of the pre-listed 11 critical illnesses for the first time.

Features:

  • Lump-sum payment: A special benefit of this policy is that it offers the entire coverage amount in one-go i.e. in the form of a lump-sum payment. However, please note that only one lump sum payment is provided to the customer during the entire lifetime of the insured person regardless of the number of critical illnesses.
  • Second opinion benefit: If the policyholder does not feel satisfied with the diagnosis done by their doctor, then he/she can go for another doctor/hospital to seek a second opinion for their treatment.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry age18 years65 Years
Policy period1 year

7. Tata AIG Corporate Health Insurance

TATA AIG Corporate Health insurance is a group health insurance policy that offers financial coverage to protect the corporate employees of an organization against the instances of hospitalization, disability and even unfortunate death resulting from accidents.

8. Tata AIG Arogya Sanjeevani Policy

Arogya Sanjeevani policy by TATA AIG is a standard indemnity based health insurance cover that comes with a range of benefits.

Features:

  • Cumulative bonus: This policy offers a special feature under which the sum insured is increased by 5% in respect of each claim-free policy year, provided that the policy is renewed without a break subject to a maximum of 50% of the sum insured.
  • Sum Insured options: To provide wider coverage, this plan comes with a variety of sum insured options available that range from Rs. 50,000 to Rs. 10,00,000.
  • Discounts on premium: The plan also offers attractive discounts to the customers opting for family floater options on premium. Details of the premium amount is given here:
    • 2 members – 20%
    • 3 members – 28%
    • 3 members- 32%

Eligibility Criteria: 

CriteriaMinimumMaximum
Entry age

Adults-18 years

Child- 3 months

Adults- 65 Years

Child- 25 years

Policy period1 year

9. Tata AIG Corona Kavach Policy

Corona Kavach policy by TATA AIA is a specially designed health insurance policy that provides financial coverage to deal with the hospitalisation and treatment expenses arising due to Covid-19 infection.

Features: 

  • COVID-19 Hospitalization Cover: This plan offers coverage for the hospitalization expenses that arise while getting treatment for the COVID-19 infection at a government-authorised testing centre.
  • Ambulance cover: With this benefit, customers get cover for the transportation expenses that arise while seeking COVID-19-related hospitalisation. The maximum cover provided under this benefit equals to Rs 2000 per hospitalisation.
  • Additional Hospital Daily Cash benefit: The hospital daily cash is provided as an optional benefit with this policy. Under this benefit, customers are provided with 0.5% of the sum insured amount per day for 24 hours of continuous hospitalisation due to COVID-19 and are payable for up to 15 days in a policy period.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry age

Adults-18 years

Child- 1 day

Adults- 65 Years

Child- 25 years

Why are TATA AIG health insurance plans suitable for you?

  1. Online Buying Process: One of the best parts about buying a health insurance policy from TATA AIA is that this company operates an online process for selling its health insurance products to customers. This helps the customers to buy the insurance policy quickly, without having to undergo any health check-up. Customers can also reach out to the health insurance experts in case of any assistance by calling at any time on 1800 267 6115. 
  2. Network Hospitals: The cashless claim settlement process is one of the most important advantages of health insurance plans. And in order to enjoy the convenience of cashless claims, it is important that the insurance provider should have tie-ups with a large number of network hospitals. In the case of TATA AIG, this insurance company has partnerships with more than 7,200 network hospitals located across different cities in the country. 
  3. Claim Settlement Ratio: In addition to network hospitals, it is important for a customer to check the claim settlement ratio of the insurance company. This is because this ratio helps in getting an estimate about the number of claims settled by the company in a given financial year. At TATA AIG, the company has always provided excellent claim service and recorded a claim settlement ratio of 96.43% during the financial year 2019-20. 
  4. Lifelong renewability: Another very useful feature about TATA AIG health insurance plans is that all these plans are available with lifelong renewability options. Customers can renew their policy quickly and easily with a simple online method. 

How to calculate TATA AIG Health Insurance Plan’s Premium?

The premium rates for all TATA AIG health insurance plans can now be calculated very easily. Similar to the buying process, the company also allows its customers to calculate their insurance premiums online and get instant price quotes for their insurance policy. Given below are the steps to calculate TATA AIG health insurance premium online-

  1. Visit the official website of TATA AIG General Insurance Company.
  2. Click on the ‘All Products’ tab and select ‘health insurance’.
  3. You will see a premium calculator on the page.
  4. Select the members you want to insure within the policy.
  5. Fill in the other basic details and click on the ‘get quote’ button.
  6. The next page will display the different health insurance plan options.
  7. Select a plan that suits your requirements.
  8. Submit the remaining details regarding your lifestyle habits, name and email address.
  9. The calculator will display an estimated amount of your health insurance policy premiums.

To help you understand better, we’ve created below a tabular representation of different premium rates of the TATA AIG MediCare plan.

Gender of the policyholderName of the policyholderAge of the policyholderSum Insured AmountPremium Rate
MaleNaresh25 yearsRs. 3,00,000Rs. 4,785
FemaleKangana36 yearsRs. 5,00,000Rs. 7,931
MaleDhruv46 yearsRs. 10,00,000Rs. 15,347
MaleRaghav55 yearsRs. 15,00,000Rs. 22,629
FemaleKamala60 yearsRs. 20,00,000Rs. 28,187

Please note that the premiums given in this table are exclusive of Taxes.

Buying process of TATA AIG health insurance plans

As discussed above, customers can now purchase TATA AIG health insurance plans online from the company’s official website at their own convenience. Given below is the stepwise description of the online buying process- 

  1. Visit the official website of TATA AIG General Insurance Company. 
  2. Click on the ‘All Products’ tab and select ‘health insurance’. 
  3. You will see a premium calculator on the page. 
  4. Fill in your details in the calculator and click on the ‘get quote’ button.
  5. The next page will display the different health insurance plan options. 
  6. Select a plan that suits your requirements. 
  7. Submit some additional details such as your lifestyle habits, name and email address. 
  8. Check the premium amount and verify your details. 
  9. Click on the ‘buy’ option and pay the premium amount. 

The company will send the policy documents at your registered email address after you’ve made the payment of the premium amount.

Steps to renew TATA AIG health insurance policy

Customers can now easily renew their existing health policy online within just a few minutes. All they have to do is follow the below-stated steps- 

  1. Visit the official website of TATA AIG General Insurance Company. 
  2. Click on the ‘All Products’ tab and select ‘health insurance’ option. 
  3. You will see a premium calculator on the page.
  4. Select the ‘renew’ tab from the premium calculator. 
  5. Enter your 10-digit policy number and click on ‘Renew’. 
  6. Customise your plan by opting for add on covers, if required. 
  7. Check and verify your details. 
  8. Submit the premium amount online through net banking, debit or credit cards. 

One the payment is processed, the company will send the updated policy documents to your registered email address.

What is the claim process of TATA AIG health insurance?

Customers can claim their TATA AIG health insurance in the following two ways:

  1. Cashless Claim Process
  2. Reimbursement Claim Process

For more precise information, let’s take a look at both these processes in detail

Cashless Claims Process

Step 1. In case of planned hospitalization, the customer should inform the insurance company via email or letter, at least five days before the treatment. The treatment can only be availed after receiving the approval letter from the company.

Step 2. In case of sudden and unexpected hospitalization, the customer should inform the insurance company or their TPA (third-party administrator) within 24 hours after hospitalization to generate a claim intimation/ reference number. 

Step 3. Submit the cashless claim form along with the below-listed documents at the hospital to avail the cashless services-

  • Insurance Card
  • Policy Copy
  • Customer ID Proof with Photo
  • Customer Address Proof.
  • Duly Filled CKYC Form if Claimed amount is above Rs 1L.

Step 4. After submitting the cashless claim form, the insurer will issue an authorisation letter to the hospital. Once your request is verified and approved, the insurance company will settle the hospital bills on your behalf. 

Reimbursement Claim Process

Under this process, the customers are required to pay the medical bills at the time of hospitalisation. They can later get the treatment expenses reimbursed from the insurance company. Given below are the steps that the customers should follow while getting their claims settled through the reimbursement process- 

Before signing on the bill, verify whether the details are accurate. This is critical as any discrepancy over here could impact the claim process.

Step 1: At the time of getting discharged from the hospital, the customer should collect all the following documents- 

  • Duly filled and signed Claim form – Link to Download Claim Forms
  • Insurance Card or Policy Copy
  • Medical Certificate signed by the doctor
  • Pathological reports like X-ray reports
  • Hospital discharge card
  • Original Bills and receipts
  • Original Pharmacy bills
  • Investigation report, if any
  • FIR / MLC Copy (in case of an accidental claim)
  • NEFT Details to credit Claim Settlement
  • Duly Filled CKYC Form if Claimed amount is above Rs 1L.

Step 2: Submit all these documents at the following address-

TAGIC Health Claims, TATA AIG General Insurance Company Limited, 5th and 6th Floor, Imperial Towers, H.No 7-1-6-617/A, GHMC No – 615,616, Ameerpet, Hyderabad – 500016, Telangana. 

Step 3: The company will verify your documents. If approved, the company will provide you with the claim amount. However, please note that it takes around 21 days from the time the documents reach the company to the date of processing the payment.

Frequently Asked Questions

1. Are there any exclusions to TATA AIG health insurance plans?

Yes, TATA AIG health insurance plans come with a certain set of excluded conditions under which no coverage is provided to the policyholder. Here is a list of some of the general exclusions- 

  • Pre-existing Diseases
  • Treatment related to cosmetic or plastic surgeries.
  • Expenses related to surgical treatment of obesity
  • Treatment expenses arising due to committing or attempting to commit a breach of law with criminal intent. 
  • Expenses related to Sterility and infertility.
  • Medical treatment expenses related to maternity and childbirth.
  • Treatment costs related to participation in hazardous events or sport
  • Expenses arising due to war or terrorist invasion

2. Is my TATA AIG health insurance plan valid across all cities in India?

Yes, TATA AIG allows its customers to enjoy their policy cover across all Indian cities. The company has tie-ups with more than 7200 hospitals across the country and customers can easily enjoy cashless claim service at these hospitals.

3. Can I cancel my health insurance policy if I am not satisfied with it?

Yes, the policyholder can cancel their insurance policy if they are not satisfied with it. They should give a 15 days written notice stating the reason for cancellation and the company shall refund premium for the unexpired policy period as per the terms and conditions of the policy.

4. I forgot to renew my policy on the renewal date. Will my policy terminate now?

If the renewal date of your policy has expired, then the company will provide you with a grace period of 30 days during which the customer can get their policy renewed. However, if the grace period has expired then the policy cover shall discontinue and the benefits will be ceased.