Health Insurance
TATA AIG
Tata AIG General Insurance is a joint venture between Tata Group and American International Group. Founded in 2001, the company has a range of insurance products across motor, home, marine, travel, health sectors. One of its health insurance policies offer international cover where in you can get a treatment abroad after the diagnosis in India.
TATA AIG Health insurance plans
Medicare Premier
Tata Medicare Premier is a great policy considering it covers most bases and then goes beyond the traditonal feature set to offer dental cover, to offer coverage for international treatments and even pay for outpatient consultations. All of these are subject to certain conditions of course, but if you are looking for comprehensive coverage very few policies can beat this. The only caveat - It is an expensive policy.
Medicare Senior
Medicare Senior policy is meant for people aged 60 and above. But it's a letdown considering you'll have to foot 30% of the bill in the event you have to replace your joints or get an angiography or deal with some other select procedure. So if you have joint or cardiac problems, you could look at other similar policies designed for Seniors.
Medicare Protect
Tata Medicare protect is a fairly inexpensive policy and does a decent job for the most part. But if you are planning to pick a single private room during hospitalization, they'll make you split the bill. So do read more below.
Medicare LITE
This is a basic health insurance policy from the TATA AIG stable. The plan offers a list of staple features and has nothing unique. On the other hand, the plan has a few caveats that can’t be overlooked if you are in the market for a comprehensive policy - room rent restrictions (up to a single private room) and a 20% mandatory copayment (if the policyholder is 61 years or above during purchase).
Medicare
Tata Medicare is a good policy. It's economical. It covers most bases. It doesn't have outrageous conditions and they even pay for international treatments. All in all, a good pick.
Medicare Plus Super Top-up
One of the most comprehensive super top-up plans out there. It covers most bases, allows you to top up your cover up to a crore, and doesn't include any outrageous conditions. The only downside perhaps is that it isn't the most affordable option either.
Health SuperCharge
TATA AIG’s Health SuperCharge is an okay policy that may not turn out to be a great option after all. While the plan does offer a Loyalty bonus (50% up to 500%), and a 5% young family discount (in case the policyholder is 40 years old or less during policy purchase), the caveats are a tad bit concerning. There is a room rent restriction (up to a single private room) and disease-wise sub-limits on multiple ailments (including cataracts, robotic surgery, hernia, renal stones, knee replacement, and hysterectomy). Additionally, the waiting period for PEDs is an extensive 4 years. Honestly, if you are in the market for a health insurance policy that is comprehensive, affordable, and worth the pennies you pay as your premium, you better look out for other options in the market.
Elder Care
TATA AIG’s Elder Care Plan, as the name suggests, is targeted towards senior citizens. The policy has a 2-year waiting period for PEDs. However, as far as the pros of the plan go, this is where it ends. The policy has a mandatory copayment (20%), apart from a room rent restriction (up to a single private room), and no restoration perks or domiciliary coverage. Additionally, there is a disease-wise sub-limit on cataracts and joint replacement surgeries. Considering that the plan lacks or has a cap on most of the common ailments that affect senior citizens, this might not be a good option. We say, look around a bit more!
TATA AIG Health insurance claim process
TATA AIG claims can be of different types based on the hospital in which you are getting the treatment. If it’s part of TATA AIG's network hospitals, you can get a “Cashless claim” in which insurance company directly pays the bills to the hospital. But if your choice of hospital is not part of their network, then you have to pay the bills and apply for reimbursement claim. Here’s a brief process for both types of claims:
Cashless Claims
Inform the Hospital Desk
All network hospitals have an insurance desk. You can submit your policy copy (even soft copy works), ID proof, initial diagnosis report and the insurance desk will request the insurance company for “pre-authorization”. In case of planned treatments, you need to do this process 2 days before hospitalization
Insurer’s decision
Based on the provided documents, insurance company approve the claim and the hospital will start the treatment and they will co-ordinate with insurer for the treatment costs. In case of Cashless claim rejection, you can still go ahead with the treatment. In this case, you will need to pay the bills initially and can file for a reimbursement claim later
Discharge
If your cashless claim is approved, at the time of discharge, the insurance company will do the final settlement with the hospital and once that is sorted, you are good to go.
Reimbursement Claims
Inform the insurance company
For any planned treatments, you need to inform the insurance company 2 days before hospitalisation. In case of emergency, you can inform within 24 hours of admission. Insurance company will acknowledge the intimation.
Hospitalization
You need to submit a insurance claim form along with original copies of hospital bills, doctor consultation reports, and diagonstic reports.
File the claim
Within 30 days post discharge, you can initiate the claim online or at any of the registered offices of the insurance company. You need to fill a claim form and attach all the reports and bills.
Insurer’s decision
Based on the claim form and submitted documents, insurance company will settle the claims as per policy terms and conditions.
TATA AIG Health Insurance Renewal
Firstly, if you’ve purchased the policy online, you’ll always receive an intimation e-mail from the insurer around 30 days before the renewal date. The e-mail will have a renewal link that will directly take you to the page where you can make the payment and check policy details. And it’s done. You’ll receive the policy document via e-mail.
However, in case you choose to do it on your own, here’s what you need to do:
Visit the website
Visit the TATA AIG website and then go to the Renewal section here.
Enter details
You’d be asked to provide your current policy number which you can find in the policy soft copy. You may as well be asked to enter your mobile number, email ID, Date of Birth or policy expiry date.
Review and edit the policy details
Next, you’ll be able to see details of your new policy and the renewal premium you need to pay. Also, you’ll be given the option to make some changes related to sum insured, existing covered members, etc.
Complete the payment and it’s done
Once you confirm the details, you’ll be directed to the payment gateway. Once the payment is complete, you’ll receive your new policy soft copy via e-mail.
Few things to consider when renewing your TATA AIG health insurance policy
- If you want to increase your Sum Insured, now is the time. You can’t do it anytime during the year.
- If you didn’t make a claim in the past year, make sure you have been given a no-claim bonus if your policy offers it.
- If you want to add members like your spouse or kids, you have the option to do so only at the time of renewal. So do give this a thought.
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