Tata AIG Health Insurance FAQs

Tata AIG Health Insurance

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Highlights

3,000+ Network Hospitals

2,20,583 Policies Issued

Lifelong Renewability

78.93% Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

Claim Settlement

  • How does TATA AIG Health Insurance settle claims?

    You can register your claim online. The claim will be settled upon successful completion of formalities within 7 working days.

  • Can I track/submit my claim online?

    Yes, you can track/submit your claim online by providing the policy number and the claim registration number.

  • What are the documents required at the time of submitting a claim?

    The documents required for claim submission includes claim form duly signed, medicine bills, hospital bills, physician reports, test reports, operation theater notes, and discharge summary.

     

  • How much time does it take for claim settlement in case of reimbursement?

    If the due procedure is followed and all the documents are submitted, the company pays off the claims within 30 days of submission. 

  • Is cashless hospitalisation facility available under TATA AIG's policy for kids?

    Yes, you can avail cashless hospitalisation at 3000+ network hospitals.

Critical Illness

  • What are the critical illnesses covered under TATA AIG Critical Illness Policy?

    TATA AIG Critical Illness Policy covers ailments like heart attack, organ transplant, cancer, CABG, kidney failure, multiple sclerosis, paralysis, stroke, coma, bone marrow transplant, major burns, and blindness.

  • Is second opinion covered under TATA AIG Critical Illness Policy?

    Yes, in case of doubt regarding the diagnosis you can anytime avail the facility of second opinion under TATA AIG Critical Illness Policy. It is all covered.

  • Is there facility of enhancement of sum insured under critical illness policy?

    Yes, at the time of renewal with the feature of "Sum Insured Enhancement" you can increase your coverage amount.

  • If I sustain injury or accident during adventure sports, will it be covered under critical illness policy?

    No, any injury or accident while being involved in adventure sports is not covered under critical illness policy.

  • Is there facility of portability under critical illness policy?

    Yes, if you are not happy with your existing policy, you can easily port your policy and enjoy the accrued benefits. 

  • Does TATA AIG Wellsurance Woman policy cover cancer?

    TATA AIG Wellsurance Woman policy provides critical illness cover with higher cancer cover.

Family Floater

  • Does Tata AIG offer any plan for a family or extended family?

    Yes, Tata AIG provides plans specifically designed for coverage of health expenses of the insured as well as his/her family members.

  • What all are the health insurance plans offered by Tata AIG for a family?

    Some of the health insurance plans offered by Tata AIG for family are-Mediraksha, Wellsurance Family, MediPlus – Top-up Medical Health Insurance Plan, and MediCare Premier Health Insurance.

  • Can I and my family be covered under the same policy if we are staying in different cities in India?

    Yes, you can get coverage for yourself and your family under the same health insurance policy for a family even if you are living in different cities in India. Just ensure that the network hospitals are available in both the cities to keep the process of the cashless claim at ease. 

  • Who all are covered under family floater health insurance plans by Tata AIG?

    Family floater health insurance plans by Tata AIG covers all the family members (self, spouse, and children) for one Sum Insured under a single policy. A few plans that it provides also cover dependent parents. 

Feature

  • What is NCB (No Claim Bonus) under TATA AIG Health care Policy?

    When you do not make a claim within a single year of the policy, you are entitled a benefit in the form of a discount on your subsequent premium in the next year.

General Information

  • What is the toll free customer care number of TATA AIG Health Insurance?

    The 24x7 toll-free helpline number of TATA AIG Health Insurance is 1800-266-7780.

  • What is the Claim Settlement Ratio of TATA AIG Health Insurance?

    TATA AIG Health Insurance had a Claim Settlement Ratio of 69.96% in the year 2017-2018.

  • How can I check my TATA AIG Health Insurance policy status?

    Registered users can login to the portal with their user name and password to check the policy status.

  • How can I renew my TATA AIG Health Insurance policy?

    Follow the steps given below to renew your TATA AIG Health Insurance Policy: a)Enter your Policy Number, Expiry Date and Client ID into Renew Online Portal b)Calculate the premium c)Select the premium option-Net Banking or Credit/Debit Card. d)Save/print the premium deposit receipt. Alternatively, you can even pay via cash/cheque at any nearest branch.

  • How can I cancel my TATA AIG Health Insurance?

    Submit your policy with surrender form to your nearest branch. The refund will be directly credited into your account and the policy will stand cancelled upon successful completion of the documentation.

Help to Buy

  • How to buy and apply for TATA AIG health policy?

    You can buy and apply for any TATA AIG Health Insurance Policy online from the official website of TATA AIG Health Insurance at www.tataaig.com or through online broker’s website like Insurancedekho.com.

  • Why should I buy a TATA AIG Health Insurance Policy?

    TATA AIG Health Insurance provides a comprehensive health insurance plan along with varied add-on features and benefits.

Individual

  • Who all can be covered under the individual health insurance policy?

    Health insurance plans for individual cover a person only. It reimburses the expenses for hospitalisation and medical expenses arising from treatment of an illness or injury as mentioned in the policy document.

  • Can I buy more than two individual health insurance policies for myself?

    Yes, you can purchase more than one health insurance policies but must declare the same to the health insurance companies.

  • Are cosmetic surgeries included in health insurance for individuals?

    No, cosmetic surgeries are excluded from the coverage in individual health insurance policies. 

  • What happens if I cancel my individual health insurance policy?

    If you want to cancel your health insurance policy before the end date, your insurance will cease to exist. As per the policy terms, you will get a part of your premium refunded. This will vary from plan to plan. 

  • How is the premium for individual health insurance determined?

    The premium for individual health insurance depends on the age of the person to be insured and the amount of coverage that he requires. Other factors include coverage for pre-existing diseases, health conditions and so on. 

Kids

  • Which health plan of TATA AIG covers child education?

    Under TATA AIG's Wellsurance Family health policy you can get coverage for not only your parent's medical expenses but also your child's education. 

  • Is pre-existing illness covered under TATA AIG health policy for kids?

    The pre-existing illness under TATA AIG kids policy is covered after a waiting period of 4 years. 

  • What is the eligibility criteria for TATA AIG's health policy for kids?

    The eligibility for children under TATA AIG's policy is 6 months to 18 years (23 years in case studying for higher education). 

  • Is cashless hospitalisation facility available under TATA AIG's policy for kids?

    Yes, you can avail cashless hospitalisation at 3000+ network hospitals.

Maternity

  • Does Tata AIG provide maternity benefits under its health insurance plans?

    Yes, Tata AIG provides maternity benefits under its health insurance plans. 

  • Does health insurance cover me for maternity or pregnancy-related expenses?

    No, many health insurance policies do not cover pregnancy-related expenses. But some of them do include these benefits for those who have been already covered under the policy since 2-4 years continuously. 

  • Can I buy health insurance covering maternity expenses online?

    Yes, you can buy such health insurance plans online. 

Parents

  • Does TATA AIG offer plans for parents?

    Yes, TATA AIG has various plans specifically designed to provide cover to elder members of the family including Wellsurance Family Health Policy, MediSenior, etc. 

  • Are pre-existing diseases covered under TATA AIG's plans for parents?

    TATA AIG's plans for parents cover pre-existing diseases after a waiting period of 4 years since the commencement of the policy. 

  • Are daycare treatments covered under the TATA AIG's plan for parents?

    Yes, the plan for parents such as MediSenior covers about 140 daycare procedures. 

  • What are the value-added services available under TATA AIG's plan for parents?

    TATA AIG's plan for parents provide value-added services in the form of free services on insurer's health portal, you can seek health-related queries and avail health and wellness discounts.

Portability

  • Is there facility of portability under critical illness policy?

    Yes, if you are not happy with your existing policy, you can easily port your policy and enjoy the accrued benefits. 

  • What are the documents required for portability?

    The documents required for portability include portability form, documents of existing policy, policy renewal documents, and in case of no claim self-declaration by policyholder and in case of claim all documents pertaining to claim.

  • Do I need to bear waiting period again if I port the policy?

    No, when you port your existing policy to another policy, the accrued benefits like waiting period and time bound exclusions get transferred.

     

Premium

  • How to pay a premium for TATA AIG Health Insurance?

    TATA AIG General Insurance Company offers 2 modes of premium payment, viz., 1)Cash payment at the branch. 2)Online payment. For the online payment, the policyholder can pay via- 1.Credit Card 2.Debit Card 3.Net Banking

  • How is the premium for individual health insurance determined?

    The premium for individual health insurance depends on the age of the person to be insured and the amount of coverage that he requires. Other factors include coverage for pre-existing diseases, health conditions and so on. 

  • What are the factors that decide premium for health insurance plans by Tata AIG?

    Factors such as family status, individual age, health condition, type of policy, add-ons, rider, etc. decide the premium. 

  • How can I calculate the premium for health insurance policies of Tata AIG?

    You can visit the official website of Tata AIG (www.tataaig.com) and click on the Get Quote tab after filling in your personal details to get an idea of the premium amount.  You can also visit the health insurance broker’s website like www.insurancedekho.com to get the best price. 

  • Can I hand over my insurance premium cheque or cash to my agent and get a receipt from him?

    Insurance is a contract between the insurer and the insured. The agent can only facilitate the process of depositing the cheque or cash but cannot issue the receipt for the same.

Senior Citizen

  • Does Tata AIG provide any health insurance plan for senior citizens?

    Yes, Tata AIG offers a health insurance plan specifically designed for senior citizens.

  • What all is covered under senior citizen health insurance plans by Tata AIG?

    Senior citizen health insurance covers the hospitalisation/medical needs of the elder persons. Such plans are available with conditions and exclusions.  

  • What is the name of the plan for senior citizens provided by Tata AIG?

    Tata AIG has a plan specifically designed for elder citizens by the name of-MediSenior – Senior Citizen Health Insurance Plan.

  • Are daycare treatments covered under senior citizens health insurance policy by Tata AIG?

    Yes, daycare treatments covered under senior citizens health insurance policy by Tata AIG.

  • Does the health insurance plan for senior citizens cover expenses for treatment at home?

    Yes, the health insurance plan for senior citizens cover expenses for treatment at home.

Top-up

  • What is the eligibility for TATA AIG top-up plan?

    An individual who is between the age group of 18 years and 65 years can buy the TATA AIG top-up plan. For children covered under floater policy, the minimum age is 91 days. 

  • What is the waiting period for TATA AIG top-up plan?

    For pre-existing diseases the waiting period under top-up plan is 48 months and for specified illnesses it is 24 months.

  • Is there lifelong renewability option available under top-up plan?

    Yes, the top-up plan can be renewed lifelong.

  • What are the exclusions under TATA AIG top-up plan?

    The exclusions under top-up plan includes:

    • Injuries or illnesses due to war
    • Congenital diseases
    • General dental treatments
    • Cosmetic surgeries
    • Non-allopathic treatments

  • What is the deductible amount under TATA AIG MediPlus top-up plan?

    The deductible amount available under TATA AIG MediPlus top-up plan is Rs. 1 Lakh to Rs. 5 Lakh.

Woman

  • Does TATA AIG offer woman health insurance policy?

    Yes, TATA AIG's Wellsurance Woman Policy is specifically designed for the woman. It provides cashless health insurance as well as wellness offers.

  • Does TATA AIG Wellsurance Woman policy cover cancer?

    TATA AIG Wellsurance Woman policy provides critical illness cover with higher cancer cover.

  • Is cosmetic reconstructive surgery benefit available under TATA AIG's woman policy?

    Yes, under TATA AIG's woman policy the cosmetic reconstructive surgery benefit is payable in lump sum. 

  • What is the eligibility for TATA AIG's woman policy?

    The minimum entry age for TATA AIG's Wellsurance Woman policy is 18 years and maximum entry age is 65 years. There is a life-long renewability option under this plan.

Tata AIG Health Insurance Plan List

Name of PlanSum Insured
MediCare Min: 91 Days; Max: 65 Years3 Lakh Get Quotes Now
Critical Illness PolicyMin: 18 Years; Max: 65 Years2.5 Lakh Get Quotes Now
Wellsurance Executive Policy Min: 18 Years; Max: 65 Years3 Lakh Get Quotes Now
MediPrimeMin: 91 days; Max: 65 years2 Lakh Get Quotes Now
Wellsurance FamilyMin: 6 months; Max 65 years2 Lakh Get Quotes Now
Wellsurance WomanMin: 18 years; Max: 65 years3 Lakh Get Quotes Now
MediSeniorMin: 61 years; Max: No limit2 Lakh Get Quotes Now
MediCare PremierMin: 91 Days; Max; 65 Years5 Lakh Get Quotes Now
MediRakshaMin: 91 Days; Max: 65 Years50 Thousand Get Quotes Now
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach Policy Get Quotes Now

Tata AIG Health Insurance Top Up List

Name of PlanSum Insured
MediPlusMin: 91 Days; Max: 65 Years5 lakh Get Quotes Now

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.

Tata AIG Health Insurance User Reviews

  • Beneficial plan for families

    I bought this Arogya Sanjeevani Policy for my family from InsuranceDekho platform on the recommendation of their customer support staff. But now I am ...

    Read More
    T
    Tushar Jain
    On: Jun 18, 2020 | Views
  • Highly recommended policy

    The ‘Get Instant Quote’ section of the InsuranceDekho helped me find this Arogya Sanjeevani Plan. Besides the standard offerings, it offer...

    Read More
    V
    Varun Khare
    On: Jun 16, 2020 | Views
  • Brilliant customer support

    The customer support executive of InsuranceDekho advised me to buy this health insurance plan after listening to my requirements. I am surprisingly ha...

    Read More
    G
    Gaurav
    On: Jun 14, 2020 | Views
  • Top-notch insurance policy

    This Arogya Sanjeevani Policy has got everything a family needs. It offers me a sum insured option up to Rs. 5 lakh, lifelong renewability, coverage f...

    Read More
    U
    Usha Mishra
    On: Jun 12, 2020 | Views
  • Best plan

    The executive of InsuranceDekho offered me this Arogya Sanjeevani Plan after listening to my requirements. I am using this now for more than 6 months ...

    Read More
    W
    Waseem Saifi
    On: Jun 09, 2020 | Views
  • Easy to understand policy

    Tata AIG’s Wellsurance Executive policy is the product. It is not only easy to understand, but also comes with many coverage features. It covers...

    Read More
    T
    Tommy Wibowo
    On: Jun 03, 2020 | Views
  • Health insurance is a must buy

    When my wife got hospitalised recently, I had no health insurance so had to pay lakhs from my own pocket. That was when I realised the importance of h...

    Read More
    S
    Saurabh Sharma
    On: Jun 01, 2020 | Views
  • Got Everything Covered

    I got Tata AIG health insurance plan for my Parents with the guidance of a knowledgeable team of insurancedekho. The coverage and plan benefits are re...

    Read More
    R
    Raju SIngh
    On: May 29, 2020 | Views
  • Great insurance plans to choose from

    Tata AIG is a great insurer that offers comprehensive health insurance plans to my family. This is the second time I chose this insurer for my healthc...

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    N
    Nia Chandan
    On: May 27, 2020 | Views
  • Suitable enough!

    TATA Aig Arogya Sanjeevani Policy is suitable enough for me and my family. I have purchased the policy with the sum insured of 5 lac.

    A
    Anil Sharma
    On: May 26, 2020 | Views

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