Health Insurance
TATA AIG
Tata AIG General Insurance is a joint venture between Tata Group and American International Group. Founded in 2001, the company has a range of insurance products across motor, home, marine, travel, health sectors. One of its health insurance policies offer international cover where in you can get a treatment abroad after the diagnosis in India.
TATA AIG Health insurance plans
Medicare Premier
The TATA AIG Medicare Premier plan is a comprehensive health insurance policy offering sum insured options from ₹5 lakhs to ₹3 crores. Key features include 100% automatic restoration of the base sum insured, coverage for daycare procedures (up to SI), and global cover for planned hospitalizations (up to SI). It also provides benefits like bariatric surgery (up to SI), high-end diagnostics cover (up to ₹25,000/year for SI up to ₹50L; up to ₹50,000/year for SI from ₹75L to ₹3 Cr), and OPD cover (up to 20K for OPD & up to 25K for OPD Dental treatments depending on SI opted for), and emergency air ambulance services (up to ₹5L for SI up to ₹50L; for SI above ₹50L, up to ₹5L outside network and full SI within network). Additional coverages include vaccination cover (up to SI), hearing aid expenses (50% of actuals; maximum 10,000 per policy ), and daily cash for shared accommodations (0.25% of base Sum Insured; maximum 2,000 per day).
Medicare Plus Super Top-up
The TATA AIG Medicare Plus Super Top-up is a health insurance policy designed to supplement existing health coverage. It offers sum insured options up to ₹1 crore and features a global cover option (optional benefit) for daycare and in-patient treatments provided that the diagnosis was made in India. The plan also includes benefits like domiciliary treatment, AYUSH treatment, and ambulance cover (in case of an emergency, subject to Rs. 3000 per Hospitalization). In addition, it provides a cumulative bonus of maximum up to 100% of Base SI for claim-free years and offers lifelong renewability. The plan also comes with premium discounts for longer policy terms and family coverage.
Health SuperCharge
The TATA AIG Health SuperCharge plan is a comprehensive health insurance policy offering sum insured options from ₹5 lakhs to ₹20 lakhs. Its USPs include a 5X SuperCharge Bonus, which provides a 50% increase in the base sum insured annually (up to 500%) irrespective of claims, and a 5% young family discount for policyholders aged 40 or below. The plan also offers optional benefits like unlimited restore, reduced waiting periods for specific pre-existing conditions, and annual preventive health check-ups.
Elder Care
The Tata AIG Elder Care plan is a specialized health insurance policy designed for senior citizens aged 61 years and above, offering sum insured options up to 25L. Its key features include home nursing services for post-operative care, home physiotherapy sessions, and a personalized health manager to assist with healthcare coordination. The plan also features annual preventive health consultations, compassionate care for extended home treatment, and wellness services like teleconsultations and discounts on medicines. It focuses on both curative and preventive healthcare needs for seniors.
Medicare
The Tata AIG MediCare offers sum insured options from ₹3 lakhs to ₹20 lakhs. Its key features include worldwide coverage for medical emergencies and planned treatments (up to SI, provided diagnosis was done in India), a 100% restoration of the sum insured, and wellness services for maintaining & improving good health.. The plan also comes with a cumulative bonus (50% increase up to 100% of Base SI) if no claims are made, coverage for 540+ daycare procedures, domiciliary treatments (up to SI), and AYUSH coverage (up to SI). It provides preventive health check-ups every two years and vaccination cover (up to ₹ 5000 per policy).
Medicare LITE
The TATA AIG Medicare LITE plan is a basic health insurance policy offering essential coverage at an affordable price. It includes features like in-patient treatment, pre- and post-hospitalization expenses (up to 60 and 180 days), daycare procedures, organ donor expenses, and domiciliary treatment all up to SI. The plan also provides a restore benefit to reinstate 100% of the sum insured once per policy year (if exhausted). Additionally, it offers annual health check-ups and teleconsultations for preventive care.
Medicare Protect
The TATA AIG Medicare Protect plan is a health insurance policy offering sum insured options from ₹2 lakhs to ₹5 lakhs. Key features include 100% automatic restoration of the base sum insured, coverage for daycare procedures, and domiciliary treatment benefits. It also covers pre- and post-hospitalization expenses (30 and 60 days), organ donor expenses, and provides a cumulative bonus of a 10% increase up to 100% of base SI for claim-free years. Room rent is covered for shared accommodations, with a 10% co-payment for higher categories. However, do note that Tata AIG Medicare Protect has been discontinued. Generally, when a company withdraws a product, it is no longer available for new business or purchase. However, existing policyholders are typically given the option to either migrate to an upgraded or alternative plan within the same company, or to port their policy to another insurer altogether. Since the withdrawal took effect on 5th September 2024, it is likely that TATA offered similar options to its existing customers. And in case you need help in migrating or choosing another plan, you can always feel free to contact insurance experts at Ditto Insurance.
Medicare Senior
Medicare Senior policy is meant for people aged 60 and above. But it's a letdown considering you'll have to foot 30% of the bill in the event you have to replace your joints or get an angiography or deal with some other select procedure. So if you have joint or cardiac problems, you could look at other similar policies designed for Seniors.
TATA AIG Health insurance claim process
TATA AIG claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of TATA AIG's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
TATA AIG Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the TATA AIG website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your TATA AIG health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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