Tata AIG Health Plan Benefits, Feature, Buy & Renew

Tata AIG Health Plan – The Tata AIG General Insurance Co. Ltd. joint venture is owned by American International Group Company and Tata Group. This year marks the insurer’s 20th anniversary. The insurer has established itself as one of India’s most popular private health insurance providers since its inception. The insurer offers a variety of individual and business health insurance options. There are 200 offices all over India for the business. With the most recent technological advancements, AIG health insurance plans consistently strive to provide superior customer experiences.

Would you like to know about Tata AIG Health Plan? If so, this is the blog for you! We’ll be discussing everything from the plan itself to how to get the most out of it. So whether you’re looking for tips on how to save money on your healthcare costs, or just want to know what the plan has to offer, we’ve got you covered. Enjoy!

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Tata AIG Health Plan

The various health insurance plans offered by Tata AIG are like a trusted companion. The Tata AIG Medicare Plus Plan is a top-up plan that falls under this category. This plan is a low-cost option that adds coverage to your existing health insurance policy in addition to your basic policy. So, if you already have health insurance and want to add coverage up to INR 1 crore to it, you can choose the Tata AIG Medicare Plus Plan for a small premium to add coverage. After you pay the initial deductible in accordance with your current insurance coverage, coverage would be provided under this plan.

Are you looking for an affordable and comprehensive health insurance plan? If so, you may be interested in Tata AIG Health Plan. This plan offers an impressive array of benefits, including access to a wide range of medical treatments and treatments for chronic illnesses. It’s also one of the few plans that allows you to remain in good health even if you experience a financial setback. If you’re looking for an affordable health insurance plan that offers a wide variety of benefits, Tata AIG Health Plan may be the right option for you.

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Tata AIG Health Plan

Details Tata AIG Health Plan

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About Tata AIG

The TATA Group and the American International Group (AIG) formed the joint venture known as TATA AIG General Insurance Company Limited. Since its inception on January 22, 2001, TATA AIG General Insurance has been a part of the insurance industry for nearly two decades. Over the course of its history, the company’s unparalleled services and extensive product selection have helped it establish itself as a household name in the insurance industry.

Health insurance plans for individuals, families, women, and seniors, as well as plans for specific diseases and critical illnesses, are among the many options available through TATA AIG General Insurance. To ensure that its customers can settle their claims quickly, easily, and without any hassle, the insurer maintains partnerships with more than 3,000 hospitals that are part of its network of cashless hospitals.

What Are The Key Features of Tata AIG Health Insurance?

Looking for health insurance that offers great value for money? Look no further than Tata AIG Health Insurance! This comprehensive policy offers coverage for a wide range of medical treatments and emergencies, making it the perfect choice for anyone interested in taking care of their health. Plus, the company’s customer service is top-notch, so you can be sure that you’ll be able to deal with any issues quickly and easily. Ready to see for yourself? Check out the Tata AIG Health Insurance website today!

When it comes to Tata AIG health insurance, it has some key features which can attract customers:
1. Cashless Hospitals: The Tata AIG health insurance policy’s network includes more than 7,200 hospitals where policyholders can receive treatment without having to pay for it. Since it can help any policyholder locate a nearby cashless treatment, this feature is excellent.
2. Claim Settlement Ratio: In the fiscal years 2020-2021, Tata AIG demonstrated its commitment to promptly settle policyholder claims with a claim settlement ratio of 94.43 percent. Policyholders feel more confident because of this feature.
3. Covid-19 Coverage: Generally speaking, everyone in the world is prepared for the costs associated with Covid-19 treatment. After a policyholder is diagnosed with Covid-19, Tata AIG provides coverage for treatment.

Top TATA AIG Health Insurance Plan Types

TATA AIG is one of the largest insurance companies in the world, and they offer a wide range of health insurance plans to their customers. If you’re looking for a health insurance plan that covers all of your medical costs, you’ll want to read on for details about the top TATA AIG health insurance plan types. We’ll outline the benefits and drawbacks of each type, and help you decide which one is best for you. So what are you waiting for? Get started! TATA AIG Health Insurance offers a variety of best health insurance plans.

1. TATA AIG MediCare Health Insurance Plan:

A comprehensive and simplified health insurance plan is TATA AIG Medicare. The plan covers inpatient, pre-hospital, and post-hospital expenses incurred in India as well as expenses incurred outside of India for the insured person’s inpatient and daycare hospitalization, provided the diagnosis was made in India. Bariatric surgery to treat obesity and control weight is covered by the TATA AIG Medicare Health Insurance plan. In addition, the plan includes a compassionate travel cover and a vaccination cover that covers expenses up to Rs. 20,000 for a round-trip ticket in economy class on an airplane or first-class on a train to allow the insured person’s immediate family member to be by his bedside during his hospital stay.

2. TATA AIG MediPlus Health Insurance Plan

(DISCONTINUED): It’s a supplement plan that gives you more coverage in case of a medical emergency, so you can live a carefree, relaxed life. The TATA AIG Mediplus top-up plan serves as a safety net, shielding the policyholder and their loved ones from any unanticipated medical emergencies. It covers anyone, from a baby who is 91 days old to 65 years old. This supplement plan can only cover up to seven people. The plan covers the costs of in-patient, pre-hospital, and post-hospital care, as well as dental, domiciliary, and organ transplant procedures and day care services. This plan’s key features include a simple claim process, portability, lifelong renewal, and coverage for ambulance costs up to Rs. 2,000.

3. TATA AIG MediSenior Health Insurance Plan

(DISCONTINUED): It is a health insurance plan for senior citizens that aims to guarantee that the policyholder and their spouse will receive the appropriate medical care and financial support. This plan covers costs associated with organ donation, home-based medical treatments, in-patient, pre-hospital, and post-hospital care, and day care services. Additionally, ambulance expenses up to Rs. 2,000 per stay in the hospital. The TATA AIG Medisenior policy can be renewed for life, allowing you to increase your guaranteed amount and enjoy hassle-free claim settlement.

4. TATA AIG Critical illness Health Insurance Policy:

The plan covers 11 critical conditions, including stroke, heart attack, cancer, open-chest CABG, kidney failure, organ and bone marrow transplant, major burns, multiple sclerosis, and paralysis. Also covered by this plan are the costs of getting a second opinion from a doctor or hospital about the critical illness. The “Sum Insured Enhancement” feature of this plan also lets you increase your coverage. The plan’s notable feature is that the entire coverage amount is paid out in one lump sum.

5. TATA AIG Wellsurace Woman Health Insurance Plan:

This is a women-only health insurance plan that covers everything, from minor illnesses to major emergencies. In addition to convalescence benefits, the TATA AIG Wellsurace Woman Health Insurance plan provides benefits for critical illness, in-hospital benefits for accidents, in-hospital benefits for sickness, and benefits for the intensive care unit. In addition, the plan covers the costs of an ambulance, an intensive care unit for 15 days, cosmetic reconstruction surgery, and value-added services like a free health line, a health portal, a health query, discounted health and wellness services, and an electronic newsletter.

Also Read-Max Bupa Health Plan Benefits

Why Choose TATA AIG Health Insurance?

If you’re looking for a reliable and comprehensive health insurance provider, you should definitely consider TATA AIG Health Insurance. This company offers a wide range of health plans that are designed to meet the needs of both employees and their families. Plus, TATA AIG Health Insurance is known for being one of the most affordable providers out there. So if you’re looking for a company that provides top-quality coverage at an affordable price, you should definitely consider this provider.

Customers of TATA AIG Health Insurance can choose from a variety of options. The following are a few of them:
  • More than 3,000 Cashless Hospitals The insurer’s network includes more than 4,300 hospitals where policyholders can easily receive cashless treatment. Settlement of cashless claims is straightforward and painless thanks to the extensive strength of the cashless hospital network.
  • Experience of Almost Twenty Years: In the insurance industry, TATA AIG General Insurance is a well-known brand. The insurer has been present in the industry for nearly two decades. The insurance company has been successful in gaining the confidence of millions of customers by providing excellent services and products.
  • Good ratio of claims settled: In FY 2019-20, the insurer had a favorable claim settlement ratio of 76.04 percent for its health insurance claims.

TATA AIG Health Insurance Claim Settlement Ratio

The Claim Settlement Ratio denotes a ratio of the number of health insurance claims settled out of the total health insurance claims received by an insurance provider during a financial year. Here are the figures of the health insurance Claim Settlement Ratio of TATA AIG Health Insurance for the last two consecutive years:

Financial YearClaim Settlement Ratio
FY 2018-201978.93%
FY 2019-202076.04%

Tata AIG Health Plan Claim Process

If you have had a health insurance claim denied or have any other questions about Tata AIG Health Plan, read on for answers. This post will guide you through the claim process, answer any questions you may have, and provide tips on how to get the best out of your Tata AIG Health Plan experience. So read on and don’t hesitate to get in touch if you need any help!

The process by which a policyholder requests reimbursement for medical expenses incurred by the insurance company is known as the health insurance claim process. There are two ways to process a health insurance claim: the cashless claim and the reimbursement claim.

Cashless Claim Process of TATA AIG Health Insurance

The claim is processed in a cashless manner when an insured member seeks treatment at a network hospital of their insurance provider. This means that the insurer reimburses the hospital for any incurred costs.
Here are simple steps to raise a cashless claim with TATA AIG Health Insurance:
Step 1: Intimate the Insurer
In the event of planned hospitalization, inform TATA AIG Health Insurance at least 48 hours prior to your hospital admission. In the event of an emergency, you can call 1800 266 1363 to notify the insurer within 24 hours of admission.
Step 2: Pre-Authorization Request
The disease report, details about the treatment, and the necessary certification from the doctor or hospital should all be submitted by policyholders.
Step 3: Verification of Documents
The insurer will receive the documents from the network hospital. The insurer’s claim settlement team will check the provided documents.
Step 4: Claim Approval
During the verification process, the insurer’s claim settlement team may request additional reports or information. The claim would either be accepted or rejected according to the verification procedure.
Step 5: Settlement of Claim
The insurer must pay the admissible claim amount and issue pre-authorization to the network hospital for a cashless facility if the claim request is approved.

How to Make a TATA AIG Health Insurance Reimbursement Claim?

If a policyholder receives treatment at a hospital that is not part of TATA AIG Health Insurance’s network, the policyholder will be responsible for paying all associated costs. TATA AIG Health Insurance will later pay the bills, subject to the policy’s terms and the amount insured.

The straightforward steps for submitting a TATA AIG Health Insurance reimbursement claim request are as follows:

Step 1: Get the Medical Treatment
Take advantage of your insurance company’s non-network hospital for treatment and pay for all of the associated costs. Collect all of the documents, reports, bills, and receipts.
Step 2: Submit Necessary Documents
Send all the relevant documents listed in the policy terms to the insurance provider after discharge from the hospital.

Documents Required for TATA AIG Health Insurance Reimbursement Claim:

  • Duly completed claim form
  • Original bills, receipt and discharge certificate from the hospital
  • Original cash memos from hospital or chemists with proper prescriptions
  • Original receipt and pathological test reports with proper prescriptions
  • Surgeon’s report stating nature of operation performed with original bill and receipt
  • Attending doctor’s or specialist’s original bill and receipt with the report of diagnosis
  • Medical history or summary of the insured individual
  • Original bills & receipts for claiming ambulance charges
Step 3: Verification of Documents
To verify the provided information or documents, the insurance provider will conduct a verification process. For the purpose of verification, they might even demand additional reports, documents, or information.
Step 4: Claim Settlement
The insurance company will reimburse the insured person for the entire admissible amount of the claim after making any necessary deductions if it determines that all of the reports and medical records are accurate and valid.

Advantages of Tata AIG Health Plan

Do you have health insurance? If so, you’re not alone. According to a report by the National Association of Health Plans, nearly half of all Americans have health insurance through an employer rather than buying it on their own. However, if you’re looking for a good health plan, there are a few things to keep in mind. In this post, we’ll discuss the advantages of Tata AIG Health Plan, one of the best health plans out there. So if you’re looking for a quality health plan that offers great benefits, be sure to check it out!

The Tata AIG’s numerous advantages make it an excellent choice for health insurance. The following are a few of the benefits of having Tata AIG health insurance:

1. Cashless Hospitalization: In the event of an emergency, Tata AIG gives you access to a nationwide network of more than 7,200 hospitals that will assist you in obtaining cashless hospitalization. In such instances, your hospital costs are directly covered by the insurer.
2. Assistance Around the Clock: The insurance company provides customers with round-the-clock customer service, allowing them to contact the company whenever they have an emergency to obtain the appropriate response to their question.
3. High Claim Settlement Ratio: With a health insurance claim settlement ratio of 94.43 percent for the fiscal years 2020-2021, working with Tata AIG can help you quickly settle your claim.

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