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Tata AIG Critical Illness Health Insurance

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Tata AIG Health Insurance
Critical Illness Policy
Claim SettlementDedicated Team
Claim Settlement Ratio76.04%
COVID-19 CoverYes
Network Hospitals 3,000+
Policies Sold2,20,583
RenewabilityLifelong

About Tata AIG Critical Illness Health Insurance

TATA AIG Critical Illness Policy is a fixed benefit medical insurance plan which covers major critical illnesses and medical procedures. The plan pays a lump sum benefit if the insured suffers from any of the covered illnesses or undergoes the covered procedures. The illnesses and procedures covered under the plan are complex and incur heavy expenses if the insured suffers from them. Therefore, by paying a fixed benefit the policy aims to ease the financial hardship faced by the insured in such medical contingencies.

The plan also provides the facility of the second opinion if the insured suffers from a covered illness and a claim is made. This opinion helps the insured to seek expert medical help on the illness suffered. The premiums for the plan are affordable so that individuals can easily buy the policy. Moreover, the premiums paid also help in saving tax as they are allowed as a deduction under the provisions of Section 80D of the Income Tax Act.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage for 11 critical illnesses and major surgical procedures
  • Illnesses covered include first heart attack, total blindness, cancer, coma, major burns, multiple sclerosis, etc.
  • Surgical procedures which are covered include open-chest CABG and organ or bone marrow transplant
  • Second medical opinion is available if the insured suffers from any of the covered illnesses
  • Permanent paralysis of limbs is also covered

What's Not Included

  • Any treatments or procedures other than the covered illnesses and surgeries
  • Pre-existing illnesses and their complications are not covered
  • Congenital disorders, psychiatric, mental disorders, defects, genetic disorders or anomalies
  • Expenses for the treatment of STDs, HIV, AIDS-related illnesses are excluded
  • Treatment for self-inflicted injuries, attempts to commit suicide or the injury due to unlawful acts are not covered

4975 Tata AIG Cashless Network Hospitals in India

Critical Illness Policy User Reviews

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What users are saying
  • All
  • Purchasing health insurance plans from insurancedekho is the right thing to do as sometimes it can be confusin...

    Read More
    S
    By Suruchi Khushwaha
    On: Feb 27, 2020
  • As an informed buyer, you must always opt for critical illness policy which covers you for maximum illnesses a...

    Read More
    D
    By Dimply Chawla
    On: Feb 27, 2020
  • I get good coverage under this plan. It gives me cover for 11 critical illnesses, major surgical procedures, s...

    Read More
    S
    By Sujit Kumar
    On: Feb 17, 2020
  • I dont have even a single complaint from tata aig since i have purchased its health insurance plan. I havent m...

    Read More
    L
    By Loveen Agarwal
    On: Feb 17, 2020
  • Critical illness policy by TATA AIG is a great policy that covers me for many critical illnesses. There are ma...

    Read More
    S
    By Shashi
    On: Feb 04, 2020

Tata AIG Critical Illness Policy Expert Review

  • Expert Review

    TATA AIG Critical Illness policy is a fixed benefit critical illness health insurance plan which covers a range of critical illnesses. If the insured suffers from any of the covered critical illnesses, the policy pays the sum insured in one lump sum benefit. The policyholder can use this benefit for meeting any type of financial need, whether it is to arrange for advanced treatments or for meeting any other obligation.

    The policy is available on an individual sum insured basis only. The minimum entry age is 18 years and the maximum is 65 years. The coverage starts from Rs. 1 Lakh and goes up to Rs. 15 Lakh. The sum insured would be paid if the insured survives for 30 days after being diagnosed with a covered illness.

  • Major Attractions

    The major attractions of the policy include the following –

    • The policy covers 11 critical illnesses which include stroke, cancer, first heart attack, open chest CABG, total blindness, kidney failure which requires regular dialysis, bone marrow transplant or transplant of a major organ, permanent paralysis of limbs, major burns, coma and multiple sclerosis
    • Free second opinion is also available if the insured is diagnosed with any of the covered critical illnesses
    • No pre-entrance medical examination is required to buy this policy
    • The policy entails the survival period of 30 days or more from the date of diagnosis
    • All the payout under the policy are on Benefits basis
    • No cost sharing is applicable under the plan
    • There is no additional loading on the policy premium at the time of renewal based on claims experience 
  • What’s More?

    Besides offering good coverage for common critical illnesses, the policy also allows the following benefits –

    • The policy has no maximum cover ceasing age. You can renew the plan lifelong
    • A grace period of 30 days is provided for renewing the policy
    • The premium that is paid for the plan would be allowed as a deduction from taxable income under Section 80D of the Income Tax Act
  • Conclusion

    TATA AIG’s Critical Illness policy provides coverage against some of the most commonly occurring critical illnesses. It is, therefore, a good plan which can be bought for a sum insured level which best suits your coverage requirements.

    You can buy the plan online as the online medium would help you to compare other critical illness policies and then buy a policy which has the best coverage benefits. InsuranceDekho is an online website which gives you the platform to compare and buy the best policy for your needs.

Tata AIG Critical Illness Policy Brochure

  • 32.78 KB
  • PDF Document
  • Jun 03, 2019

Claim Process at Tata AIG Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Critical Illness Policy Health Insurance Plan

  • Is pre-acceptance medical check-up required for buying the policy?

    No, there is no requirement of any pre-acceptance medical check-ups for buying the policy. 

  • What is the coverage tenure?

    The policy’s coverage tenure is 1 year after which the policyholder is required to renew the policy for continuous coverage benefits.

  • At what age can the policy be bought?

    The policy can be bought for individuals who are aged 18 years or more. The maximum entry age, however, is restricted to 65 years.

  • Is lifelong renewal allowed under the plan?

    Yes, the plan can be renewed lifelong without any maximum coverage age.

  • Will the policy continue after the payment of claim?

    No, once a claim has been paid under the policy, the coverage would terminate. No further claims would be provided even if the insured suffers from another covered illness or undergoes another covered surgery.

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