How To Claim TATA AIG Health Insurance Policy?
Updated On Apr 11, 2024
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Tata AIG Health Insurance is a very well-known health insurance company in India. The company is one of the most popular private health insurance providers. It has numerous mediclaim plans that you can choose from. The company offers good and wholesome health insurance coverage at pocket-friendly rates and this makes it affordable for everyone to have medical insurance.
How to Apply for Tata AIG Health Insurance Plans?
You may purchase the Tata AIG health plans online or offline. The different ways of buying Tata AIG health insurance plans include –
- Through an Agent or Broker - You can buy the plan through an insurance agent. Tata AIG Health Insurance has a huge number of insurance agents working with them. You can contact an agent, get a briefing about the available plans, and then buy the plan that matches your requirements. The agent can guide you with it and can also help you complete the formalities and paperwork. The agent will charge a brokerage amount in return for the services offered.
- Through the Branch of the Company - If you feel more comfortable going directly to the insurer, you can visit any branch and make the purchase then and there. It is always safe and reliable to buy your plan directly from the insurance provider and make the payment physically as well.
- Through the Company’s Website - Your other option is to buy the plan online. You can purchase by visiting Tata AIG Health Insurance’s official website. All the health insurance plans are listed there. Go over the plans and their brochures to understand which plan would suit your requirements. It is very easy and convenient to buy the plan online. You can do so while sitting at home. You can do it at any point of the day or night. You get a lot of flexibility and convenience when shopping online for a Tata AIG Health Insurance policy.
- Through an Insurance Aggregator Website - These days, you come across some very good insurance aggregator websites. They offer many services like a health insurance premium calculator, the option to compare, and also to make a purchase then and there. If you have a good aggregator website that you trust, you can visit the portal and buy a good Tata AIG Health Insurance plan from them. Make the payment online and get awesome health insurance coverage.
The Tata AIG Health Insurance Claim Process
Tata AIG Health Insurance offers two types of claims - cashless and reimbursement. Let us take a look at the steps involved in both:
Cashless - For cashless claims, there are a few important points to keep in mind.
- First and foremost, you need to ensure the plan you have has a cashless facility. Most of the Tata AIG Health Insurance plans have cashless facilities but check the policy wordings to be doubly sure.
- Next, you need to get admitted to a network hospital. Tata AIG Health Insurance has over 5,800 network hospitals spread across the entire country, so you can get admitted to any one of those.
- If it is a planned hospital stay, inform Tata AIG Health Insurance at least 48 hours before getting admitted. If it is an emergency, inform them within 24 hours of getting admitted.
- Submit the pre-authorisation form to the hospital and allow them to inform the insurer and initiate the claim process.
Reimbursement - If you get admitted to a non-network hospital, or if your plan does not have the cashless facility, you need to get the claim amount reimbursed. For this, you first need to pay the hospital bill on your own. Then, send the documents to the insurer and they will reimburse the amount to you. For this, you need the following documents:
- Properly filled up and signed the claim form
- Copy of policy document
- A doctor’s declaration stating the need for hospitalisation
- The discharge summary
- Original copies of the hospital bills and pharmacy bills
- All prescriptions of all the doctors, surgeons, anesthetists, etc.
- Original reports of any diagnostic exam carried out
- FIR, if there was an accident
- You can also file the claim online by visiting the claim section of the Tata AIG Health Insurance portal. Enter some details about yourself and your policy and register your claim.
- You can also check the status of your claim at the same place.
Conclusion
Tata AIG Health Insurance is amongst the biggest and most popular health insurers in India. The company has received many prizes including the “Best Product Innovation” award and the “Company of the Year” award. The insured has an excellent customer support team for the policyholders to call in and get their issues solved. One of the biggest reasons for Tata AIG’s popularity is that the company offers health insurance at affordable rates. These reasons make the Tata AIG Health Insurance plans much in demand and very well-loved.
