Best Health Insurance Plans
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Popular Plan of Tata AIG Insurance Company
Here is the list of Tata AIG health insurance plans that can make a big difference in providing financial protection in case of medical emergencies:
| Plan Name | Plan Type | Key Benefits |
|---|---|---|
| Tata AIG Medicare Plan | Individual and Family Floater | Covers hospitalization, day-care procedures, pre & post-hospitalization, and cashless hospitals. |
| Tata AIG Wellsure Women Policy | Women Centric Plan | Focused on women’s health, covers maternity, critical illnesses, and preventive care. |
| Tata AIG Criti Medicare | Critical Illness Plan | Provides financial protection against major illnesses like cancer, heart attack, and stroke. |
| Tata AIG Elder Care Insurance Plan | Senior Citizen Plan | Designed for seniors, covers age-related illnesses, preventive check-ups, and home healthcare. |
| Tata AIG Accident Shield Policy | Accident Health Insurance | Covers accidental injuries, medical expenses, and emergency hospitalization. |
Health Insurance Plans By Tata AIG
Riders Available with Tata AIG Health Insurance Plans
Riders are additional benefits that can be added to a base health insurance plan for extra protection. They require an additional premium and enhance coverage beyond the standard plan. Here is the list of add-ons with their benefits to the insured:Critical Illness Cover Lump sum payout on the first diagnosis of serious illnesses like cancer, stroke, or heart failure.Preventive Annual Health Check-Up Annual full-body check-up to detect health issues at an early stage.Accident Cover Compensation for accidental death or disability. It is available as a standalone or as an add-on.Day Care Procedures Covers treatments that do not need an overnight hospital stay, like cataract surgery or dialysis.Domestic & International Second Opinion Get a second medical opinion from doctors in India or abroad.Emergency Assistance Services Ambulance, first aid, and emergency support during accidents.Inflation Protection With this add-on, the sum insured increases with inflation on policy renewal.Cumulative Bonus Shield Retains bonus for claim-free years on policy renewal.Sum Insured Carry Forward Unused sum insured can be carried forward to the next year.Vaccination Cover Reimbursement for vaccinations like COVID-19 or hepatitis.Consumables Expenses Covers items like gloves, syringes, and bandages used during treatment.Daily Cash Allowance Fixed daily allowance for hospitalisation-related expenses.Voluntary Co-Payment Premium discount in exchange for sharing part of the claim cost.Room Eligibility Modification Adjusts room entitlement when availing premium discounts.Premium Waiver Benefit Next year’s premium is covered in case of accidental death or specific cancer.Modification in Pre-Existing Disease Waiting Period Reduces waiting period to 12 or 24 months.Waiver of Age-Linked Co-Payment Removes age-related co-payment for eligible claims.Extension of Pre and Post-Hospitalisation Cover Covers medical expenses before and after hospitalisation for up to 180 days.High-End Diagnostics OPD coverage for advanced diagnostic tests like PET-CT, MRI, or liver biopsy.OPD Treatment & Dental OPD and dental treatments are covered after 2 years of continuous insurance.Global Cover for Planned Hospitalisation Planned treatment abroad is covered with reimbursement.Compassionate Travel Travel costs for the family to visit a hospitalised insured person.First Year Vaccinations Vaccinations for a newborn child are covered up to ₹10,000–15,000.Domiciliary Treatment At-home treatment coverage for illnesses exceeding 3 days.Emergency Air Ambulance Cover Air ambulance for life-threatening emergencies.Prolonged Hospitalisation Benefit Fixed payout if hospitalised for over 10 days.Wellness Services & Program Health support, teleconsultations, and reward points for fitness milestones.Daily Cash for Accompanying Child or Shared Accommodation Daily allowance for caregivers or shared room stays.Hearing Aid Costs are covered every third year up to Rs. 10,000 or 50% of the cost.Women-Specific Covers Maternity, delivery complications, and reduced waiting periods for maternity benefits.Note: Not all riders are available with every plan, so availability depends on the chosen Tata AIG health insurance policy. Refer to the policy document to know the exact information.
Inclusion and Exclusion
Every policy has its own inclusion and exclusion. It is always better to refer to the particular policy brochure to under the plan in a better way. Here are some general inclusions and exclusions to consider:
What it Covers
ospitalization Expenses
Pays for medical treatment when you are admitted to a hospital.
Pre & Post-Hospitalization
Covers medical costs before and after the hospitalization.
Day Care Procedures
Pays for treatments that need less than 24 hours in a hospital.
Ambulance Cover
Covers the cost of ambulance services during emergencies.
Organ Donor Expenses
Pays for the medical and surgery costs of an organ donor.
AYUSH Treatment
Covers treatments like Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy.
Domiciliary Treatment
Covers treatment at home if you cannot be moved to a hospital.
What Does it not Cover
Self-Inflicted Injuries
Injuries intentionally caused to oneself are not covered.
Addiction Treatment
Expenses for substance abuse or rehabilitation are excluded.
Adventure Sports
Injuries from high-risk or extreme sports are usually not covered.
Non-Prescribed Treatment
Treatments not recommended by a medical professional are not included.
FAQs
Tata AIG Health Insurance Plans are policies that help cover medical expenses like hospitalization, surgeries, and treatments.
Yes, Tata AIG Health Insurance Plans for Family allow multiple members to be covered under a single policy, making it easier to manage healthcare for everyone.
Select a plan based on your needs, such as individual coverage, family coverage, or critical illness protection. You can compare features and benefits to pick the best option.
It covers inpatient treatment, day-care procedures, pre and post-hospitalization costs, ambulance services, and optional add-ons like maternity or critical illness coverage.
Yes, the Tata AIG Health Insurance Plan can be purchased online. After choosing the plan and paying the premium, the policy is sent to your registered email.