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Tata AIG Health Insurance Plans

Tata AIG Health Insurance Company

An Overview of Tata AIG General Insurance Co. Ltd.

Tata AIG General Insurance Co. Ltd. is a tie – up between the American International Group (AIG) and the Tata Group. It started operation in India on January 22, 2001, and ever since, has been revolutionising the health insurance industry by introducing several innovative policies over the last 16 years.

Tata AIG General Insurance Co. Ltd. caters to the insurance needs of every section of individuals in the fields of:

  1. Health insurance
  2. Motor Insurance
  3. Home insurance
  4. Travel insurance
  5. Agricultural insurance

The innovative products of the insurer Tata AIG occur in the Commercial Lines vertical, where such unique ideas like:

  • Professional and General Liability Insurance
  • Reps and Warranties and Environmental Insurance
  • Property and Business Interruption Insurance

have been introduced to address the insurance requirements in all types of eventualities.

All the insurance policies under Tata AIG General Insurance are backed by the expertise and experience of two of the world’s leading business houses, with a strong financial backbone. The company endeavours to provide support to its clients at every stage starting with getting the insurance through the entire process of the relationship. The dedicated claims team of the company, that has more than 400 expert executives across 90 offices in the whole country, will provide you with support and help as soon as you place your claim. Moreover, the customer support team is also equally strong with 450 plus executives, ready to extend any support that you need at any point of time.

Tata AIG General Insurance Co. Ltd. Health Insurance Schemes

Tata AIG General Insurance Co. Ltd. provides some of the best health insurance schemes in the country, that are capable of taking care of both your family’s health and your pocket. The major highlights of the medical insurance plans offered by Tata AIG General Insurance Co. Ltd. include:

  • A wide variety of products backed by the best quality services, meant for the health need of every individual in the society
  • A comprehensive solution to all your health care needs
  • Flexibility in plan content for corporate groups and individuals

Why Do You Need Health Insurance For Self and Family

The cost of medication, hospitalisation and treatment has sky-rocketed over the last decade or so. Moreover, the complex lifestyle of the present era does not restrict illnesses and ill – health to the geriatrics only. Health risks now occur for individuals in any age group, and once admitted to the hospital for treatment, can have a big bill tagged to him at the end of the treatment period. In order to safeguard against such sudden fund requirement resulting from unforeseen eventualities leading to hospitalisation and expensive treatment procedures, a health insurance is a must, for yourself as well as every member of your family.

With the schemes introduced by Tata AIG General Insurance Co. Ltd., you can also be guaranteed about good returns on your investment.

About the Health Insurance Schemes Under Tata AIG General Insurance Co. Ltd.

Mediprime

The policy covers medical expenses in the pre and post hospitalization phase in the scale of 30 days immediately before hospitalisation and 60 days following discharge from hospital. The scheme also provides Ayush Benefit, that gives coverage for treatment of hospitalisation through non – allopathic methods, including Homoeopathy, Ayurveda or Unani.

You may log on to www.easypolicy.com to calculate your premium for the policy.

MediRaksha

This is an affordable, comprehensive health insurance policy for the entire family. This will help you face the sudden eventuality of unforeseen hospitalisation. The policy covers all major illnesses, emergency treatment, surgeries and hospitalisation. This is a very popular medical scheme from Tata AIG General Insurance Co. Ltd., and provides all the basic facilities including

  • Cashless treatment facilities over a wide network of partner hospitals.
  • No need to go through medical examination till the age of 55.
  • Free health check-up programmes as renewal incentive
  • Very easy claims settlement procedure
  • If you pay the premium of 2 years at one go, you get an additional discount of 7.5% on premium amount.
  • Entitled to tax benefits under section 80D of the Income Tax Act

Individual Accident and Sickness Hospital Cash

This policy covers the following

  • Sickness – related hospitalisation expenses to a maximum of INR 5000 per day.
  • Accident hospital cash benefit up to a maximum of INR 10,000 per day
  • Accident reimbursement benefit up to a maximum of INR 25,000.

This is a policy, meant specially for those with maximum risks out of living the modern lifestyle.

You can calculate your premium under this scheme with the efficient premium calculator from www.easypolicy.com

Wellsurance Woman

This policy gives the maximum coverage to the women of today against 11 critical illnesses. The benefits escalate if the insured is diagnosed with any sort of cancer. You also get covered for convalescence. Moreover, in case of any accident, you get coverage for cosmetic and reconstructive surgery.

This policy is specially made for the woman of substance, who knows what she wants out of life. She is a real achiever, as she balances her world outside with her family life. She is too devoted to her near and dear ones that she often ignores her own health. Wellurance Health Woman Policy from Tata AIG General Insurance Co. Ltd. is meant to celebrate and pay respect to just that sort of a woman, by not only paying attention to her hospitalisation and treatment expenses, but also her overall medical well-being.

Wellsurance Family Policy

Family Fixed Benefit Plan – This is a basic health insurance scheme for the entire family. It has the special feature of providing children’s education fund in case of total disability or death of the chief earning member of the family.

The policy pays equal attention to all the members of the family, and caters to the requirements of each of them. The policy is meant to protect you from a huge financial liability in case of emergencies. It looks after your family as a well-wisher and its benefits do not remain confined to the mere gambit of a health insurance.

Some of the other popular health insurance schemes under Tata AIG General Insurance Co. Ltd. include

  1. Wellsurance Executive
  2. Critical Illness Policy
  3. MediPlus
  4. MediSenior

each with its own unique features and benefits.

Note that if you want to switch your existing policy from any other vendor to Tata AIG General Insurance Co. Ltd., then here is the simple procedure:

  • Apply at least 45 days prior to the date of premium renewal of the existing policy.
  • The policy will be transferred in totality, including the accrued benefits and time – bound exclusions
  • The IRDA guidelines have to be followed absolutely in this respect.

Some Frequently Asked Questions Answered

What is meant by Hospital Cash?

Answer : It is the amount paid in case of hospitalisation to cover additional expenses apart from surgery, treatment procedures and so on, and covers commutation expenses, special diet, extra care expenses and so on.

What are the benefits of Hospital Cash?

Answer : The major benefits include:

  • Instant coverage without any documentation
  • No medical examination prior to hospitalisation
  • Daily cash reimbursement between INR 500 and 5000
  • Income Tax benefit under section 80D of the IT Act.

Is Hospital cash a substitute to the health plan?

Answer : You cannot claim Hospital Cash in lieu of medical attention. It is rather a supplementary benefit to help you and your family to go through the tough time.