Everything About Tata AIG Policies

TATA AIG Medicare Policy

This is a pocket friendly policy that provides standard coverage to the insured. It offers benefits such as international coverage and cover for bariatric surgery. The sum insured amount ranges here from INR 3 lakh to INR 20 lakh.

Key Features:

• This policy is available with individual and family floater options.
• The sum insured ranges from INR 3 lakh up to INR 20 lakh.
• If the insured uses the entire sum insured amount, then it will be restored 100% automatically.
• Provides international coverage, if the insured wants to undergo treatment out of India.
• Consumables costs directly related to a treatment are covered such as PPE kits, masks, gloves, crepe bandages, syringes, etc.
• Coverage for surgery costs related to obesity and other weight issues.
• Covers the costs of more than 540 daycare treatments.
• Coverage for inpatient hospitalization treatment costs.
• After two years of continuous policy cover, insured gets the coverage for the cost of HPV and Hepatitis B vaccines. No waiting period for typhoid and anti-rabies vaccines.
• Coverage for expenses related to organ donors.
• Coverage of medical expenses incurred up to a 60 days period immediately before and 90 days immediately after an insured admitted to hospital.

TATA AIG Medicare Protect Policy

This policy is perfect for those who want to cover day to day costs related to hospitalization. This plan provides a wider coverage for pre and post hospitalization expenses.

Key Features:

• If the insured uses the entire sum insured amount, then it will be restored 100% automatically.
• Consumables costs directly related to a treatment are covered such as PPE kits, masks, gloves, crepe bandages, syringes, etc.
• Covers the costs of more than 540 daycare treatments.
• Coverage for Inpatient hospitalization treatment costs.
• Coverage for expenses related to organ donation.
• Coverage of medical expenses incurred up to a 30 days period immediately before and 60 days immediately after an insured admitted to hospital.

TATA AIG Medicare Premiere

This provides a much wider and enhanced coverage than the TATA AIG Medicare plan. Along with all the coverage offered by medicare plan, this policy offers coverage for expensive and high-end diagnostics, OPD, dental treatments, wider air ambulance costs, etc. The sum insured range starts from INR 5 lakh and goes up to INR 50 lakh.

Key Features:

• If the insured uses the entire sum insured amount, then it will be restored 100% automatically.
• Provides international coverage, if the insured wants to undergo treatment out of India.
• Consumables costs directly related to a treatment are covered such as PPE kits, masks, gloves, crepe bandages, syringes, etc.
• Coverage for surgery costs related to obesity and other weight issues.
• Coverage for emergency air ambulances.
• Covers the costs of more than 540 daycare treatments.
• Coverage for inpatient hospitalization treatment costs.
• Coverage up to INR 25,000 per policy year for covered high-end diagnostics costs.
• Coverage for accidental death benefit.
• Maternity coverage is available only after a waiting period of four years:
• Coverage up to INR 50,000 per policy year
• In case of a baby girl, coverage is up to INR 60,000
• After two years of continuous policy cover, insured gets the coverage for the cost of receiving HPV and Hepatitis B vaccines. No waiting period for typhoid and anti-rabies vaccines.
• Coverage for expenses related to organ donors.
• Coverage of medical expenses incurred up to a 60 days period immediately before and 90 days immediately after an insured admitted to hospital.

Tata AIG Super Top Up plan

The Tata AIG Super Top Up plan is a comprehensive add- on policy. It aims to provide additional security, over and above the regular health plan at fairly affordable rates. This policy provides wider sum insured options along with several in-built benefits and optional benefits such as cumulative bonus, coverage for consumables and optional global cover. The policy is available for both for self and family.

Key Features:

• The sum insured amount ranges from INR 3 lakh to INR 1 crore.
• Minimum and maximum entry age is 91 days and 65 years.
• Coverage includes for pre and post hospitalization of 60 days and 90 days, respectively.
• Covers AYUSH treatment costs.
• Post two years of policy, coverage for vaccinations related to rabies and typhoid and for HPV and Hepatitis B.
• Cover up to six family members of the family, including spouse, three children, and parents.
• Cover the cost of consumables such as surgical items, medical aids or equipment, used during the hospitalization.
• Get an additional bonus on the sum insured up to a maximum of 100% of the sum insured amount.
• Optional global cover.

Tata AIG Critical Illness Plans

This critical illness policy provides optimal coverage against life-threatening diseases such as cancer, kidney failure, blindness and coma etc.

Key Features:

• Provides coverage for 11 major critical illnesses like cancer, heart attack, brain tumor, Parkinson, coma, liver, lung or kidney failure etc.
• Offers the lump-sum payout of the sum assured.
• Minimum age of 18 years and maximum age of 65 years can be covered under this plan.
• Benefits such as a second opinion from a medical practitioner is available.
• Coverage provided for daycare treatment costs.
• Multiple options to increase the sum insured options.
• The claim is accepted if the diagnosis of the critical illness happens after the first 90 days from the day one of the policy.
• Pre-existing disease gets coverage after a waiting period of 48 months.

Tata AIG Aarogya Sanjeevani Policy

This policy is a standard health plan that covers the basic health-related expenses. The sum insured ranges from INR 1 lakh to INR 5 lakh. TATA AIG Aarogya Sanjeevani plan covers pre and post hospitalization costs along with other benefits such as lifelong renewals and cumulative bonus. The policy tenure option of this plan is one year and is available on both individual and family floater basis.

Key Features:

• Wide range of benefits, such as coverage for hospitalization expenses, pre and post-hospitalization expenses, cataract treatment, and AYUSH treatment.
• Coverage for daycare procedures and ambulance expenses.
• Access to more than 7,200 hospitals for cashless insurance.
• Option to cover the entire family under one plan.
• Enhance the sum insured amount by five to 50% without any additional premium costs for every claim-free policy year.
• Option to pay premium on a yearly, half-yearly, quarterly, or monthly basis.
• Coverage for cataract treatment is limited to 25% of the sum insured or INR 40,000, whichever is less.
• Coverage for high-cost surgical procedures such as balloon sinuplasty, oral chemotherapy, robotic surgeries, deep brain stimulation, stem cell therapy, etc.

Tata AIG Corona Kavach Policy

This is a newly launched plan specifically designed for covering the various medical costs related to ongoing global pandemic. Here, the sum insured amount covers the expenses related to the positive diagnosis of Covid-19.

Key Features:

• The sum insured ranges between INR 50,000 to INR 5 lakh.
• Cover for costs related to pre-hospitalisation and post-hospitalisation such as PPE kits, medicine bills, mask and gloves, intensive care unit (ICU) expenses etc.
• Coverage available for daycare procedures.
• Covers treatment costs related to the AYUSH.
• The cost of the health check-ups is covered under this policy.
• Home quarantine expenses are not covered and if the insured is quarantined at a non-approved center, then the expenses won’t be covered in this policy.
• Cost related to the treatment of any critical illnesses is not covered under this policy.
• This policy has a waiting period of 30 days, meaning within the first 30 days of the policy tenure, the insured cannot file a Covid-19 policy claim.

Tata AIG Corona Rakshak Policy

TATA AIG also has another Covid-policy as Corona Rakshak Policy. This policy comes up with a sum insured range starting from INR 2.5 lakh to INR 5 lakh.

Key Features:

• Coverage for the cost related to the hospitalization of 72 hours and more.
• Coverage for the cost of PPE kits, masks, gloves, oxygen cylinders, among others.
• Option to get coverage for co-morbidities in Covid-19 insurance, with an additional premium.

Tata AIG Personal Accident Policy

This is a comprehensive personal accident policy by the Tata AIG health insurance. It aims to provide the protection to the insured and their family against any kind of financial pain of an accident. It covers death, permanent or temporary disability and hospitalization caused due to an accident. In the case of any unfortunate events, this policy provides extensive coverage for ambulance costs, hospital expenses, the loss of an income, and even the child’s education cost.

Below mentioned are the various insurance plans sold under TATA AIG personal accident policy:

Accident Guard Policy

Key Features:

• The sum insured ranges from INR 5 lakh to INR 1 crore.
• The policy is for both individuals and family between the age group of 18 to 65 years and the children aged between six months to 18 years.
• Free look period of 15 days and the insured can renew the policy within 30 days of the grace period.
• 10% escalation benefit is applicable on renewal maximum up to 50%, in claim free policy year.
• Covers 100% of the sum insured amount in case of an injury that leads to loss of life.
• Covers weekly benefit in case of temporary total disability.
• Covers benefit amount for children’s education, in case the insured meets an ill-fated event.

Accident Shield Policy

Key Features:

• Eligibility is minimum of six months up to maximum of 65 years.
• This policy is available to individual, family, where self, spouse and two dependent children can be covered.
• The policy tenure is up to three years.
• Free look period of 15 days and the insured can renew the policy within 30 days of the grace period.
• Covers 100% of the sum insured amount in case of an injury that leads to loss of life.
• Covers weekly benefit in case of temporary total disability.
• Covers up to 10% of the sum insured or up to INR 1 lakh, whichever is less, to the child education fund.
• If permanent partial disability occurs due to an accident, within 180 days of the date of mishap, the policy covers up to the entire sum insured.

Secured Future Plan

Key Features:

• This policy provides security to the other covered family members, in case of some unfortunate event that happens to the insured.
• This policy is issued on an annual basis.
• Coverage is given to only earning members of the household.
• Eligibility is minimum of 18 years up to the maximum of 70 years.
• Offers flexibility to choose monthly income benefits starting from INR 10,000 to INR 35,000 for a time period of five years to 20 years. The insured can select the option according to their monthly expenditure.
• In case of an accidental death, coverage is up to 100% of the sum insured.
• In case of the partial disability, the coverage ranges from 25% of the sum insured up to 100% of the sum insured.
• Option to enhance the sum insured at the time of policy renewal.

MahaRaksha – Personal Injury Policy

Key Features:

• Eligibility is minimum of 18 years up to the maximum of 75 years.
  Lifelong renewal plan is available.
• This policy is for individual and family basis, which covers self, spouse, mother and father.
• Free look period of 15 days and grace period is of 30 days.
• Full coverage for accidental death.
• Covers daily benefit for every day in case of the inpatient hospitalization.
• Coverage given if any injury causing fractures, dislocation or burns, happens within 90 Days from the date of the accident.
• Coverage is available, if the insured is not able to perform any three daily living activities, mentioned in the policy, for a continuous period of 180 days.

• The minimum and maximum entry age for dependent children is between 90 days to 25 years of age, respectively.
• The minimum and maximum entry age for adults is between 18 years to 65 years of age, respectively.

• Costs related to plastic surgery or cosmetic surgery.
• Injuries related to defense operations or any adventurous activities such as racing, diving, etc.
• Injuries or death cause by suicide.
• Illness or injury caused due to consumption of tobacco, intoxicating drugs, and alcohol.
• Intentional self-injuries or attempt to commit suicide.
• Treatment done by a doctor which is outside his discipline.
• Cost related to rehabilitation measures, private duty nursing,
  Objects related to personal comfort and convenience such as television, telephone calls, internet, hygiene articles, body care products or visitor service.

• Hospitalization costs arising out of any illness or injury will be covered
• Pre-hospitalization expenses incurred 30 to 60 days prior to the hospitalization and post-hospitalization expenses incurred 60 to 90 days after the discharge from the hospital.
• Day care procedures and ambulance coverage
• Maternity coverage with no limit on the number of deliveries.
• Coverage of the costs related to the AYUSH treatment.
• Policy covers pre- and post-hospitalization expenses related to Covid-19.

Let’s see the situations in which the insured can file a claim in the Tata AIG health policies:

Case 1: If the insured have received the treatment at network hospital, then following is the process to be followed:

• Notify the insurance company and give details about the cashless claim form at least 48 hours before hospitalization.
• The insured will receive the confirmation letter and then he or she can intimate the network hospital about the claim.
• As a next step, the insured must submit the health card and the confirmation letter received from the Tata AIG, and then the company would pay the bills.

Case 2: If the insured visits the network hospital in emergency:

• Submit the cashless claim form to the company, before 24 hours after being hospitalized.
• Submit the relevant documents along with the form to initiate the cashless claims benefit.
• Below is the list of the documents that need to be submitted to start the cashless claims process:
  A copy of your health insurance policy
  Insurance cards
  Photo identification proof such as aadhar card, voter ID, passport, PAN Card, and driving license.
  Duly filled Central Know Your Customer (CKYC) form in case the claim amount exceeds INR 1 lakh.
• Once the company receives the cashless claim from the hospital, they will issue an authorization letter and settle the bills with the hospital.

Case 3: If the insured takes up the treatment from a non-network hospital:

• The insured is required to pay the expenses and bills then file a reimbursement claim by informing the insurance company.
• Post intimating the claim, the buyer needs to fill the online claim form and upload the relevant documents, mentioned below, to start the process.
• Once the insurance company receives the requirement claim form and the required documents, then they proceed to initiate the claim settlement process and award the reimbursement to you.

• Duly filled claim form with signature of the applicant.
• Valid identity proof such as aadhar card, voter ID, passport, PAN Card, and driving license.
• Prescription by a doctor suggesting hospitalization, diagnostic tests and medicines.
• Medicine bills, case papers, discharge summary and ambulance receipt.
  Insurance policy stating the name, address, illness and other details of the insured.

The Tata AIG General Insurance policyholders can buy insurance policy online by logging to their official website. Below mentioned is the quick step-by-step guide which helps you in buying the policies of Tata AIG General Insurance online:

• Visit the official webpage of the company and log in with the registered user name and password.
• Click on the tab “buy insurance policies” and select the kind of policy you would like to buy. The policies could be a mix of health insurance, motor insurance, travel insurance.
• Once you have selected the type of policy and coverage required, fill-in all the required details such as full name, date of birth, pin code, e-mail id, age, gender.
• Once you have selected the policy and fill in all the details, proceed to buy it online via website.
• Premium can be paid online via credit/debit card or e-wallets, net banking among others.

As we have already mentioned the online process of buying a policy, you can also buy or renew your policy by directly connecting with the company. Following are the details of their respective customer care :