Tata AIG Health Insurance – Simple Overview
Tata AIG Health Insurance is a well-known health insurance provider in India that offers financial protection against medical and hospitalisation expenses for individuals, families, and groups.
What Tata AIG Health Insurance Covers
Most Tata AIG health insurance plans generally include:
Hospitalisation expenses such as room rent, ICU charges, doctor fees, medicines, and procedures
Pre-hospitalisation and post-hospitalisation medical expenses
Day-care treatments that do not require overnight hospital stay
AYUSH treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy
Ambulance charges during medical emergencies
Preventive health check-ups in selected plans
Cashless treatment at network hospitals
Tax benefits under applicable income tax laws
Types of Tata AIG Health Insurance Plans
Individual Health Insurance
Covers a single person with flexible sum insured options.
Family Floater Health Insurance
One policy that covers multiple family members under a shared sum insured.
Group Health Insurance
Designed for employers to provide health cover to employees and their dependents.
Senior Citizen Health Insurance
Special plans with benefits tailored for elderly individuals.
Critical Illness Insurance
Provides a lump-sum payout on diagnosis of specified serious illnesses.
Super Top-Up Plans
Offers additional coverage once the base policy limit is exhausted.
Common Exclusions (What Is Usually Not Covered)
Pre-existing diseases during the waiting period
Medical treatment taken within the first 30 days of the policy start date
Cosmetic or aesthetic treatments unless medically required
Dental and vision treatments unless caused by an accident
Self-inflicted injuries or injuries due to illegal activities
Treatment related to substance abuse
Key Benefits of Tata AIG Health Insurance
Financial protection against rising healthcare costs
Wide network of hospitals for cashless treatment
Customisable plans with optional add-ons
Preventive health and wellness benefits
Reliable customer support and digital claim services
Tax deductions under Section 80D (as per tax laws)
Things to Consider Before Buying
Check waiting periods for pre-existing conditions and specific treatments
Understand sub-limits, co-payment clauses, and exclusions
Compare premium versus sum insured
Review renewal terms and lifelong coverage options