TATA AIG Health Insurance
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
Tata Medicare is a good policy. It's economical. It covers most bases. It doesn't have outrageous conditions and they even pay for international treatments. All in all, a good pick.
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.
Medicare Plus Super Top-up
One of the most comprehensive super top-up plans out there. It covers most bases, allows you to top up your cover up to a crore, and doesn't include any outrageous conditions. The only downside perhaps is that it isn't the most affordable option either.
Tata Medicare Premier is a great policy considering it covers most bases and then goes beyond the traditonal feature set to offer dental cover, to offer coverage for international treatments and even pay for outpatient consultations. All of these are subject to certain conditions of course, but if you are looking for comprehensive coverage very few policies can beat this. The only caveat - It is an expensive policy.
Tata Medicare protect is a fairly inexpensive policy and does a decent job for the most part. But if you are planning to pick a single private room during hospitalization, they'll make you split the bill. So do read more below.
TATA AIG Health insurance claim process
TATA AIG Health Insurance 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:
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
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
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.
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.
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.
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
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