How To Check TATA AIG Health Insurance Policy Status

With more than 11000 cashless hospitals across the country and a claim settlement ratio of 96.70%, TATA AIG is one of the most reputed names in the health insurance space. A joint venture between the TATA Group and the American International Group (AIG), TATA AIG General Health Insurance Company commenced its operation on January 22nd 2001. Amongst its extensive range of General Insurance offerings, TATA AIG’s health insurance is one of the most prominent products. With this article, you will be able to learn about how to apply for your TATA AIG health insurance, the importance of keeping your health insurance policy information updated, how to check the status of your health insurance policy and answers to some frequently asked questions around your TATA AIG health insurance plans.

How To Apply For Tata AIG Health Insurance Plans?

There are two ways to apply for your TATA AIG health insurance plan online.

Online Mode

In the online mode you can choose to follow the steps mentioned below in purchasing your TATA AIG Health Insurance

Step 1: Visit the InsuranceDekho Website 

Open InsuranceDekho website and visit the Tata AIG health insurance page under the health insurance section.

Step 2: Fill in the Required Details

Fill in the basic information required in the form like gender, age and mobile number, you will then be moved to the next form where you need to mention in case you have any pre-existing conditions.

Step 3: Choose a Plan

You will now see a list of top TATA AIG health insurance plans. Choose the plan that best suits your requirements and choose add on if you require any.

Step 4: Read the Terms and Conditions

Go through the terms and conditions of the policy and read the policy document carefully before purchasing the policy.

Optional Step: Request for a call back from an InsuranceDekho executive if you need any assistance in purchasing the right health insurance plan for you.

Step 5: Make Premium Payment Online

After reviewing the plan go to the payment option and make the payment from the options of net banking, credit/ debit card, UPI, etc.

How to Check the TATA AIG Health Insurance Claim Status Offline?

If you need to check your TATA AIG health claim status offline you can follow the steps as given below:

1. By visiting the Branch Office-Well, nowadays this is not a common practice among the customers for tracking their claim status, you may still want to visit the Insurer’s branch office and get an update on your policy claim status. To find the nearest branch office you can check on the website and find the TATA AIG Insurance Company’s nearest branch office. Make sure that you carry the documents when visiting their office.

2. Through SMS-Keeping a track of your policy status is also possible through the SMS service. You can check your Tata AIG health insurance policy claim status using the SMS number provided by the insurer. The same can be used to know other policy details, like claim number, policy number, etc.

Some Common Issues That Buyers Face While Buying Your Health Insurance Policy

1. Transparency About Your Health Issues And Pre-existing Diseases

If you are planning on buying a health insurance from TATA AIG or any other insurer , it is extremely important that you are completely transparent about your pre-existing health conditions. In case you lie on your insurance policy agreement and it is later found out then you may not get the claim for the same without serving the specific waiting period for that disease, It is to be noted that in this case, insurance companies can also cancel your health insurance policy. This may further decrease your chances of getting a new policy.

2. Not Reading The Policy Document Carefully

If you are someone who agrees to the policy terms without going through the policy document, exclusions, inclusions, and other terms and conditions, it can be difficult during claim settlement in case you are not well aware of what your policy wording holds. Make sure you have complete knowledge and understanding of the health insurance plan you are signing up for.

3. Being Under or Over Insured

When you lack proper knowledge of the parameters on which to choose your health insurance policy you either end up being under or over insured. In case you are under insured, you end up paying for a lot of things out of your own pocket during hospitalisation. However, in cases where you take too many add ons or choose the wrong plan without the need for them, you end up paying a high premium amount out of our pocket on a yearly basis.

4. Not Checking Policy Updates or Comparing Your Policy With Other Updated Plans in The Market

During the time of policy renewal it should be a non negotiable to check the updated rules and regulations of your insurer and also compare your existing policy with the new plans in the market by your existing insurer and other players. This helps in making an informed decision about the best plan to choose as per your requirements.

5. Miscommunication And Disputes With The Insurer

If you haven’t gotten into a proper agreement or checked your policy details properly, there can be a chance of future miscommunication or dispute with your insurer. In order to avoid any such situation during your claim process, it is recommended to clarify all your doubts beforehand. It is to be noted that in case of any dispute, your policy document will be considered the only binding document to clear the dispute.

Importance of Keeping Your Health Insurance Policy Information Updated

It is important to keep your health insurance policy details up to date for the following top reasons:

• For Avoiding Claim Rejection: In case you get a medical condition after taking the health insurance, it is important to inform your insurer about the same to avoid any future claim rejection during the proximate cause of the disease.
• For Ensuring Right Coverage: Keeping your information updated also means that you will be able to ensure that the right coverage is available for you or that you update your health insurance plan in case needed.
• For Avoiding Disputes With Your Insurer: In case you do not update your insurance policy and there arises a case of dispute between you and your insurer, in that case your policy document will be the only document to be referred. If your information isn’t updated, you may lose the fight against your insurer.

Conclusion

Tata AIG Health Insurance is amongst the biggest and most popular health insurers in India. The company has received many prizes including the “Best Product Innovation” award and the “Company of the Year” award. The insured has an excellent customer support team for the policyholders to call in and get their issues solved. One of the biggest reasons for Tata AIG’s popularity is that the company offers health insurance at affordable rates. These reasons make the Tata AIG Health Insurance plans much in demand and very well-loved.

Also read: How To Buy Health Insurance

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Frequently Asked Questions (FAQs) 

Ques 1. What is the claim settlement ratio of TATA AIG health insurance?

Ans. The claim settlement ratio (CSR) of TATA AIG health insurance is 96.70%.

Ques 2. What is the pre existing disease waiting period for TATA AIG Health Insurance?

Ans. The pre-existing disease waiting period ranges from anywhere between 2 to 4 years for TATA AIG Health Insurance. During this waiting period, you cannot receive most of the benefits for that specific disease. Please read your policy document carefully to understand the details or connect with an InsuranceDekho advisor on call 7551196989 to further understand the policy details.

Ques 3. What are the factors to consider while buying a health insurance plan?

Ans. The factors to consider while buying a health insurance plan are the total amount of sum insured, the number of network hospitals across the country and in your city, list of all blacklisted hospitals, waiting period for all pre-existing diseases, maternity, any initial waiting period etc, add ons available with the insurance plan, age limits, and claim settlement ratio.

Ques 4. What is the customer care number of InsuranceDekho?

Ans. The customer care number for InsuranceDekho is 7551196989, you can also contact us through email on support@insurancedekho.com

Ques 5. How to reduce health insurance premium?

Ans. In order to reduce health insurance premium of your policy make sure you buy your health insurance plan early in life, compare major/ top health insurance plans properly, choose your cover wisely ensuring to take add ons that are absolutely necessary, connect with an InsuranceDekho agent to get proper assistance by calling on 7551196989 or writing to us at support@insurancedekho.com