Features of Tata AIG Health Insurance

• Wide Cashless Hospital Network - Tata AIG has 10,000+ network hospitals across India, enabling policyholders to avail cashless treatment in network hospitals.
• Quick and Easy Online Purchase - You can buy Tata AIG health insurance online and get the policy issued instantly, which means coverage begins without long waiting or complex documentation.
• Claim Settlement Timeline - Most cashless claims are processed quickly once pre-authorization is approved by the hospital. For reimbursement claims, the insurer aims to settle valid claims within a reasonable period, usually within 30 days of receiving all required documents.
• Cashless and Reimbursement Claims - Tata AIG supports both cashless claims at network hospitals and reimbursement claims, giving flexibility depending on where you choose treatment.
• Coverage for Pre and Post Hospitalisation - The plans typically include expenses before hospitalisation and after discharge, so policyholders are covered for ongoing medical needs around hospital stays.
• Health Checkup Facility - Many Tata AIG health plans offer free or discounted annual health checkups based on the sum insured and policy tenure, encouraging preventive care.
• Day Care and Modern Treatment Coverage - The policies cover treatment for procedures that do not require long hospital stays, including advanced and minimally invasive treatments.
• Restore Benefit - Some plans offer sum insured restore benefit, where the sum insured gets replenished if it is exhausted during the policy year.
• No Claim Bonus - Policyholders can earn bonus coverage for claim-free years, increasing the sum insured without proportionately increasing the premium.
• Focus on Different Customer Needs - Tata AIG health insurance has plans tailored for individuals, families, and senior citizens, focusing on comprehensive hospitalisation cover and benefits relevant to different life stages.
• Wellness Support - Selected plans provide access to wellness programs and health support services that promote preventive care and healthy living.
• Transparent Policy Terms - All inclusions, exclusions, waiting periods, and limits are clearly explained so customers know what they are buying without surprises at claim time.

Plans Offered By Tata Aig Health Insurance

Tata AIG Health Insurance offers a wide range of health insurance plans designed for different life stages and medical needs. From comprehensive individual and family health insurance plans to senior citizen health insurance, critical illness cover, and high-value top-up plans, Tata AIG focuses on flexible coverage with modern features. These plans are built to handle rising medical costs, offer cashless treatment across network hospitals, and provide value-added benefits like wellness support and preventive health check-ups. Whether you are buying health insurance for the first time or upgrading your existing policy, Tata AIG health insurance plans aim to balance affordability, coverage depth, and long term, here are the list of plans offered by tata aig health insurance:

Claim Process of Tata AIG Health Insurance

The claim process of Tata AIG Health Insurance is structured to support customers when they need help the most. Whether it is a planned treatment or a sudden medical emergency, the process is kept straightforward to reduce stress for the policyholder and their family. Tata AIG allows both cashless and reimbursement claims, giving flexibility based on the hospital and situation. With digital support and clear guidance, customers can stay informed at every stage of the claim journey:

• Cashless treatment can be used at network hospitals by showing the health card and completing the pre authorization process
• For planned hospitalisation, informing the insurer in advance helps in quicker approvals and smoother coordination
• In emergency situations, claim intimation can be done within the allowed time after hospital admission
• Reimbursement claims can be filed by submitting hospital bills, and discharge documents after treatment
• Once all documents are verified, the claim amount is processed as per policy terms within the defined timeline
• Customers can easily check their claim status online, helping them stay updated without repeated follow ups.

Common Exclusions of Tata AIG Health Insurance

The exclusions of Tata AIG Health Insurance are clearly defined to help policyholders understand what is not covered under the policy. These exclusions are common across most health insurance plans and are meant to avoid misuse while keeping premiums affordable. Knowing these limits in advance helps customers set the right expectations and avoid confusion during claim time. Reading the exclusions carefully is just as important as understanding the benefits of the policy:

• Medical expenses related to pre existing illnesses during the waiting period
• Treatment taken during the initial waiting period except for accidental hospitalisation
• Costs related to cosmetic or aesthetic procedures unless medically necessary
• Expenses for non prescribed supplements, vitamins, and tonics
• Dental treatments and eye care unless caused by an accident
• Hospitalisation for self inflicted injuries or substance abuse
• Treatments not recommended by a registered medical practitioner
• Expenses related to experimental or unproven medical procedures