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About TATA AIG Health Insurance

TATA AIG is a general insurance company which is formed as a venture between TATA Group and AIG.AIG, American International Group, is a leading financial services group of the USA and TATA Group is a leading Indian industrial conglomerate.The company was established in the year 2001 and since then the company has been offering innovative insurance solutions in the general insurance segment.TATA AIG offers travel insurance, health insurance,motor insurance and even commercial insurance products.As recorded on 30th September,the company had an Asset Under Management that was around INR 14,295 crore. With a workforce of over 6,220 employees spread across India in over 200 office branches, the company has a strong network through the length and breadth of the country.

TATA AIG Claim Settlement Ratio

96.43%

TATA AIG

94.21%

Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. TATA AIG has a claim settlement ratio of 96.43%, as compared to the industry average of 94.21%.

TATA AIG Health Insurance Plans Overview

TATA AIG health insurance offers 3 health insurance plans. The premium of these plans starts from Rs. 2640/yr. The sum insured ranges from Rs. 2 Lakh - 50 Lakh. Details of the comprehensive coverage provided by the following 3 TATA AIG health insurance plans are listed below:

TATA AIG MediCare Policy

Starting Premium- 4,812/Yr

Eligible Age

91 days - 65 years

Coverage

3 Lakh - 20 Lakh

TATA AIG MediCare Premium Policy

Starting Premium- 6,535/Yr

Eligible Age

91 days - 65 years

Coverage

5 Lakh - 50 Lakh

TATA AIG MediCare Protect Policy

Starting Premium- 2,640/Yr

Eligible Age

91 days - 65 years

Coverage

2 Lakh - 5 Lakh

Top Features From TATA AIG Health Plans

The health insurance plans of the company are quite popular as the company offers health insurance solutions of all kinds.

Here are the features and benefits of TATA AIG’s health insurance plans

  • Indemnity health plans, fixed benefit plans, women-specific health insurance plans are some of the types of plans offered by the company
  • Each health insurance plan offers a good scope of coverage at affordable premium rates
  • The company is tied up with more than 4000 hospitals in India which allows you to avail easy cashless claim settlements
  • The company is available 24*7 online as well as on its customer care helpline for all your queries and complaints

Exclusions Across TATA AIG Health Plans

All the health insurance plans offered by TATA AIG offer unmatched coverage benefits. However, there are certain situations in which the plan does not provide coverage. These are called policy exclusions. Almost all health insurance plans of the company have some common coverage exclusions which include the following

  1. Self-inflicted injuries attempted suicides or deliberate acts of harm to self
  2. Injuries sustained when you are under the influence of alcohol/drugs or when you are committing a criminal act
  3. Sexually transmitted diseases, HIV or AIDs infections and other venereal diseases
  4. Maternity expenses, childbirth and pregnancy unless these costs are specifically covere
  5. Expenses incurred on an outpatient basis unless they are expressly covered
  6. Treatments taken at a place which is not a hospital
  7. Experimental and unproven treatments
  8. Pre-existing illnesses would not be covered during the specified waiting period
  9. Any illness occurring within the first 30-60 days of buying the policy would not be covered. However, accidental injuries are covered from the first policy date
  10. Accidents and injuries due to war, nuclear threats or contamination, civil unrest, etc.
  11. Cosmetic treatments and procedures
  12. Mental disorders or psychiatric conditions and treatment
  13. Congenital disorders, etc.

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TATA AIG Customer Care

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TATA AIG Claim Process

TATA AIG supports both cashless claims and reimbursement claims. This section covers the information on how to check TATA AIG health insurance claim status, fill TATA AIG health insurance claim form, and the claim settlement process.

If you want a cashless claim settlement you should take the following steps

  1. Seek treatments in a hospital which is tied-up with TATA AIG. The list of tied-up hospitals can be checked on the company’s website or you can call the company’s customer care helpline and find out the networked hospitals in your area
  2. You need to fill and submit a pre-authorization claim form containing the details of your claim. This form is available at the hospital’s TPA desk and you should fill and submit it within the prescribed timeline. In case of emergency hospitalisation, the form is required to be submitted within 24 hours of hospitalisation. In case of planned hospitalisation, however,you should submit the form at least 3-4 days before being hospitalised
  3. Based on the pre-authorisation form, the company assesses and approves the claim
  4. Once the claim is approved, you can avail cashless treatments. The hospital bills would be directly settled by the company
  5. Once you are discharged, submit your medical bills,medical reports and Discharge summary in original to the insurance company with your claim form

If, however, you take treatment at a non-networked hospital

  1. You would have to bear the medical costs yourself.Later on, you can file your claim with the insurance company
  2. Submit all the relevant documents and you would get reimbursement of the expenses you paid.

There is another alternative way to handle your health insurance claims

  • You can contact Turtlemint and get your claims settled in an easier way. urtlemint has an in-house dedicated claim settlement department which handles all customers’ claims.You simply have to inform Turtlemint through a phone call at its toll-free number 1800 266 0101 or drop an email at the company’s email ID claims@turtlemint.com.Once Turtlemint has been intimated, your claim would be handled by the company and you can relax. Turtlemint’s team would coordinate your claim with the health insurance company and help you get a settlement within the quickest possible time

TATA AIG Health Insurance Renewal Process

Online Renewal Process for Tata AIG Health Insurance Policy

Renewing your TATA AIG Health Insurance policy online is a straightforward process. Follow these steps:

Step 1: Visit the Official Website: Navigate to the official Tata AIG website.

Step 2: Select Health Option: On the website, locate the 'Health' tab among the options and click on it.

Step 3: Choose Renew Option: Proceed with the 'Renew Existing Tata AIG Policy' option.

Step 4: Enter Required Details: After selecting the renewal option, input your 10-digit policy number.

Step 5: Click on Renew: Click 'Renew' to initiate the premium payment for your policy's renewal.

Step 6: Confirmation: Upon successful payment, an email confirmation will be sent, validating the renewal of your health insurance policy.

Offline Renewal Process for TATA AIG Health Insurance Policy

Alternatively,you have the option to renew your health insurance policy offline by dialing the toll-free number of Tata AIG at 1800-266-7780 and detailing your specific renewal requirements.

Another way is by visiting the nearest Tata AIG branch to initiate your policy renewal.

You can also renew your TATA AIG Health Plan with the help of Turtlemint and our expert insurance advisors. For instant policy renewal, visit www.turtlemint.com or renew your policy by downloading the Turtlemint App here.

FAQs

Yes, the co-payment clause is applicable in certain health insurance plans offered by TATA AIG. Under this clause, a percentage of the health insurance claim would be paid by you and the remaining claim would be settled by the insurance company

Daycare treatments are those which do not require hospitalisation of 24 hours or more. These treatments take a few hours after which you can be discharged because of the advanced medical techniques which are now practised. Daycare treatments are covered under all health insurance plans

Top-up plans have a concept of deductible up to which no claims are admissible. As soon as any claim exceeds the deductible limit, the excess is then covered under top-up health insurance plans. For instance, suppose, a top-up plan is bought with a sum insured of INR 5 lakhs and a deductible of INR 2 lakhs. A claim of INR 1.9 lakhs would not be covered by the plan because it is below the deductible limit. However, if the claim is for INR 201,000, the excess of INR 1000 would be covered under the top-up plan. Thus, top-up plans cover only those claims which exceed the deductible limit

Yes, the premiums paid for health insurance plans have tax-saving benefits. The premiums are allowed as a deduction under Section 80D. You can claim a maximum deduction of up to INR 25,000 on the premium you pay for your health insurance. However, for a senior citizen, the 80D limit is INR 50,000 per annum

So, if you buy a separate plan for your senior citizen dependent parents and pay their premiums, you are eligible for an additional income tax deduction of INR 50,000. Thus, you can claim a deduction of up to INR 50,000 on the premiums you pay for yourself and your family and another INR 50,000 for premiums paid for your dependent parents. This brings the total deduction to up to INR 1 lakh

Usually, family floater health insurance plans allow coverage only for a spouse, dependent children and dependent parents. However, there are some family floater health plans which allow extended relations to also be covered under the policy. Under such health plans, you can get coverage for your dependent siblings.
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