Tata AIG Health Insurance FAQs

Any individual with an entry age of 18 to a maximum age of 65 is eligible for Cancer Plans provided by Tata AIG health insurance.

Yes, a policyholder can easily apply and access cashless treatment at nearby Tata AIG network hospitals for cancer-related expenses.

Yes, Tata AIG health insurance covers alternative cancer treatment.

Yes, Tata AIG Health cancer plans provide coverage for both chemotherapy and radiation therapy. When filing a claim for cancer treatment, you must provide the insurer with all records related to chemotherapy and radiation therapy sessions.

Exclusions for cancer plans may include Bladder's Microcarcinoma, tumours associated with HIV infection, treatments not related to covered illness, self-inflicted injury, any diseases caused by a mental or physical condition during commencement or policy issuance, etc.

The cashless claim process hardly takes much time to settle a claim, however, in the reimbursement claim settlement process, the payment processing after filing the claim may take up to 21 days.

Yes, you can track your claim status online by visiting the official Tata AIG website's Claim page or reaching out to the support team via call 1800-266-7780 on a Toll-Free number or mail at customersupport@tataaig.com.

The policyholder must submit a claim form submission with all personal details, a copy of the health insurance plan, original discharge and pharmacy bills released from the hospital, original prescriptions, test reports, payment receipts, age proof documents, self-declaration/MLC/FIR (for accidental cases), cancelled cheque copy, Bank and KYC details.

Follow these steps if your Tata AIG claim got denied or rejected:

• Identify the reason for claim rejection
• Contact your insurer and provide supporting documents.
• If still, nothing works in your favor, you can reach out to the Ombudsman forum and represent your issue.

Yes, customers can buy a critical illness plan offered by Tata AIG as a standalone policy.

Yes, people only between the age of 18 to 65 years are eligible for Tata AIG Health's critical illness insurance plan.

Yes, policyholders can waive their waiting period by paying an additional premium amount.

Yes, you have the option to add your family members to the Tata AIG critical insurance policy for family floater-based plan

Yes, you have the option to add your family members to the Tata AIG critical insurance policy for family floater-based plan

Yes, policyholders can waive their waiting period by paying an additional premium amount.

Yes, if you are already diabetic, you are allowed to make claims for your policy only after completing 2-4 years of your waiting period. However, if you develop diabetes after the policy purchase, you can make claims after 3 months of the policy purchase.

Yes, if you are already diabetic, you are allowed to make claims for your policy only after completing 2-4 years of your waiting period. However, if you develop diabetes after the policy purchase, you can make claims after 3 months of the policy purchase.

Yes, a person can purchase a Tata AIG diabetes insurance plan even if they have a pre-existing condition, i.e., diabetes. It is important to note that you can make a claim only after your 2-4 years of waiting period is over.

Diabetes insurance plans offer coverage for all expenses and medications related to diabetes. Standard health insurance policies, on the other hand, may not directly provide a cover for diabetes management.

Yes, a period of 2-4 years needs to be completed to claim coverage for diabetes-related expenses under Tata AIG Health's plans.

Yes, the diabetes insurance plan by Tata AIG offers cover for insulin and other diabetes medications.

Yes, Tata AIG health plans include routine check-ups and screenings for diabetes.

Some of the health insurance plans offered by Tata AIG for family are-Mediraksha, Wellsurance Family, MediPlus – Top-up Medical Health Insurance Plan, and MediCare Premier Health Insurance.

Yes, you can get coverage for yourself and your family under the same health insurance policy for a family even if you are living in different cities in India. Just ensure that the network hospitals are available in both the cities to keep the process of the cashless claim at ease.

Family floater health insurance plans by Tata AIG covers all the family members (self, spouse, and children) for one Sum Insured under a single policy. A few plans that it provides also cover dependent parents.

Registered users can login to the portal with their user name and password to check the policy status.

Follow the steps given below to renew your TATA AIG Health Insurance Policy: a)Enter your Policy Number, Expiry Date and Client ID into Renew Online Portal b)Calculate the premium c)Select the premium option-Net Banking or Credit/Debit Card. d)Save/print the premium deposit receipt. Alternatively, you can even pay via cash/cheque at any nearest branch.

Submit your policy with surrender form to your nearest branch. The refund will be directly credited into your account and the policy will stand cancelled upon successful completion of the documentation.

TATA AIG Health Insurance had a Claim Settlement Ratio of 76.04% in the financial year 2019-20.

You can buy and apply for any TATA AIG Health Insurance Policy online from the official website of TATA AIG Health Insurance at www.tataaig.com or through online broker’s website like insurancedekho.com.

No, cosmetic surgeries are excluded from the coverage in individual health insurance policies.

If you want to cancel your health insurance policy before the end date, your insurance will cease to exist. As per the policy terms, you will get a part of your premium refunded. This will vary from plan to plan.

Health insurance plans for individual cover a person only. It reimburses the expenses for hospitalisation and medical expenses arising from treatment of an illness or injury as mentioned in the policy document.

The pre-existing illness under TATA AIG kids policy is covered after a waiting period of 4 years.

The eligibility for children under TATA AIG's policy is 6 months to 18 years (23 years in case studying for higher education).

Yes, a waiting period of 9 to 36 months is available for maternity insurance plans.

If you are already pregnant, you may not get maternity health insurance as it will come under a pre-existing condition. However, you have another option to purchase a regular health insurance plan during your maternity period.

Yes, Tata AIG Health's maternity insurance offers coverage to prenatal check-ups, delivery, and postnatal care.

Yes, Tata AIG Health Maternity Insurance covers newborn baby expenses.

Yes, both normal and cesarean deliveries are covered by Tata AIG maternity insurance plans.

TATA AIG's plans for parents cover pre-existing diseases after a waiting period of 4 years since the commencement of the policy.

Yes, the plan for parents such as MediSenior covers about 140 daycare procedures.

TATA AIG's plan for parents provide value-added services in the form of free services on insurer's health portal, you can seek health-related queries and avail health and wellness discounts.

Yes, Tata AIG provides health plans tailored to people with active lifestyles.

There are certain health plans provided by Tata AIG that include wellness incentives for people who have a healthy BMI or maintain a healthy lifestyle.

Yes, most Tata AIG plans include AYUSH treatment cover.

Yes, Tata AIG policyholders have the option to make their premium payments on installment basis, i.e. monthly, quarterly, or annual basis.

No, when you port your existing policy to another policy, the accrued benefits like waiting period and time bound exclusions get transferred.

Generally, Tata AIG Health Insurance premium starts from 550 per month, but it also depends on the plan you have selected. The premium cost for Tata AIG health plans may vary from policy to policy.

Yes, insured individuals have the option to pay premium amounts on a monthly basis for Tata AIG health plans.

The maximum limit for Tata AIG health insurance premiums may vary from policy to policy. For example, the maximum limit for individual health plans might be less in comparison to family health plans (due to more members) and senior citizen health plans (age factor).

Yes, selecting a higher deductible option for your Tata AIG Policy will automatically reduce your premium amount.

Yes, it is best to renew your existing policy within the provided grace period if your policy expired. But, if you renew after the grace period, you might have to pay a heavy penalty or undergo an underwriting process.

Policyholders can renew their Tata AIG health insurance plans 15 days before expiry.

Yes, policyholders have the option to switch to a different plan during their renewal process.

Yes, insured individuals can contact the support team to make a request for adjusting their sum insured amount during policy renewal.

Senior citizen health insurance covers the hospitalisation/medical needs of the elder persons. Such plans are available with conditions and exclusions.

Tata AIG has a plan specifically designed for elder citizens by the name of-MediSenior – Senior Citizen Health Insurance Plan.

Yes, daycare treatments covered under senior citizens health insurance policy by Tata AIG.

Yes, the health insurance plan for senior citizens cover expenses for treatment at home.

Under Section 80D of the Income Tax Act, Tata AIG policyholders can claim tax deductions between ₹25,000–₹50,000 based on their age.

Yes, the mode of premium payment selected does not create any impact on filing a claim tax benefit.

Yes, even if you pay through a Health Savings Account (HSA) you are eligible for tax deductions on premiums.

No restrictions apply on claiming tax benefits for health premiums even if you are an NRI.

Yes, but you need to first complete your waiting period to claim benefits under Tata AIG Health Top-Up plans in case of pre-existing conditions.

You will have to pay from your pocket if the claim amount exceeds both base plan and Top-up plan sum insured.

No, Tata AIG policyholders cannot avail Top-up plan benefits if outside India unless they have global coverage riders added to the policy.

Yes, Tata AIG policyholders can customize their policy and add additional riders for more benefits.

Yes, under TATA AIG's woman policy the cosmetic reconstructive surgery benefit is payable in lump sum.

The minimum entry age for TATA AIG's Wellsurance Woman policy is 18 years and maximum entry age is 65 years. There is a life-long renewability option under this plan.