health-insurance

Tata AIG Health Insurance Plans

Company Overview

Tata AIG General Insurance Company Limited is a joint venture between Tata Group and American International Group (AIG). Tata AIG General Insurance Company Limited celebrated 18 years of service this year (2018) since it commenced operations in India on January 22, 2001. The company offers a range of general insurance covers for businesses and individuals and has a comprehensive range of general insurance products for Liability, Marine Cargo, Personal Accident, Travel, Rural-Agriculture Insurance, Extended Warranty etc. Each product offering is backed by professional expertise. Tata AIG General Insurance Company Limited has an asset base of approximate 0.6 billion USD, a workforce of 5174 employees and 15155 agents. It is present in 187 locations across India.

Tata AIG General Insurance Company Limited, IRDA of India Regn. No. 108. U85110MH2000PLC128425.

Address:- Peninsula Business Park, Tower A, 15thFloor, G.K.Marg, Lower Parel, Mumbai-400 013, Maharashtra, India.

Email: customersupport@tataaig.com.   Website: www.tataaig.com/health-insurance

Fax: 022 66938170   Toll-Free: 1800-266-7780.

List of Tata AIG Health Plans

With cashless health insurance in just four hours, tax saving and no co-payment, say goodbye to financial crunch of medical expenses. Our MediPrime policy has been crafted to give you the peace of mind necessary to get better faster.

Key Features

  • In-patient treatment including room rent, ICU, nursing, medicines drugs & consumables covered without any sub-limits.

  • Pre and Post Hospitalization medical expenses: Medical expenses incurred upto 30 days immediately before hospitalization and upto 60 days immediately post hospitalization. The coverage period can be extended upto 60 days before hospitalization & 90 days after discharge by submitting relevant documents to us at least 5 days before the Hospitalisation.

  • Day Care Procedures: The policy covers medical expenses for 140 different day care treatments which do not require 24 hours hospitalization

  • Domiciliary Treatment: The policy covers for the medical expenses incurred for availing medical treatment at home on the advice of the attending Medical Practitioner which would otherwise have required Hospitalisation.

  • Organ Donor: The policy covers Medical Expenses on harvesting the organ from the donor for organ transplantation.

  • Dental Treatment (in case of Accident): We will reimburse Medical Expenses of any necessary dental treatment from a Dentist provided that the Dental treatment is required as a result of an Accident. Our maximum liability shall be limited to the amount specified in the Schedule of Benefits.

  • Ayush Benefit: The policy covers you for medical expenses incurred for In-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy, upto Rs. 20,000 for sum insured from 2lacs to 4lacs and upto Rs. 25,000 for sum insured from 5 lacs to 10 lacs per policy year.

  • Vaccination: The policy covers Inpatient coverage upto 100% of sum insured and outpatient treatment upto Rs. 5,000 per policy year

Wellsurance Executive

Trying to keep up with increasing work pressure can take toll on your health but keeping your unique requirements in mind, we offer a health insurance product that protects you all round with minimum fuss and maximum gain.

Key Features

  • Hospitalisation: Specified hospitalisation benefit shall be provided if the insured person is hospitalized for the treatment of injury/sickness.

  • Post Hospitalization Expenses: Pays lumpsum amount after hospitalisation under following circumstances only

    1. Post operative physiotherapy-eligibility: Minimum of 2 visits.

    2. Chemotherapy and/or radiation-eligibility: Minimum of 3 visits. Payable once during the lifetime of the insured.

    3. Kidney dialysis: Payable once during the lifetime of the insured.

  • Value added service: Facilities like free health line, health portal, health query, discounted services for the health and wellness and e-news letter will be provided to the insured where he will get access to various health articles and will be able to raise queries and get them answered by experts. 

Wellsurance Family

Want a single policy that covers your child’s education and your parents’ medical expenses too? We have it for you. Protect your whole family with Wellsurance Family Policy and stay relaxed. It’s single policy for everyone’s happiness.

Key Features

  • Intensive care unit benefit: We will pay a daily benefit for each day you are an inpatient admitted in the intensive care unit in a hospital due to injury/sickness subject to any applicable deductible shown in the policy schedule and commences under the circumstances described in a hazard and while this policy is in effect, subject to the maximum shown in the policy schedule.

  • Ease of hospitalisation: When a family member is admitted to the hospital for a illness or injury, we will provide them with a daily cash allowance for up to 90 days. 

  • Ambulance Charges: Pays upto the specified amount towards the medical transportation fees and services incurred for bringing the insured to the hospital following an accident and returning to the normal place of residence after being discharged from the hospital.

  • Value added service: Facilities like free health line, health portal, health query, discounted services for the health and wellness and e-news letter will be provided to the insured where he will get access to various health articles and will be able to raise queries and get them answered by experts. 

Wellsurance Woman

Don’t let your own health slip up while you carry the weight of the whole family on your shoulders. So, we give you a plan that takes care of everything for you, from a simple illness to a critical emergency.

Key Features

  • Ambulance Charges: Pays upto the specified amount towards the medical transportation fees and services incurred for bringing the insured to the hospital following an accident and returning to the normal place of residence after being discharged from the hospital.

  • ICU charges for 15 days are included in our hospitalisation benefit. So, don’t stress about daily expenses when you’re admitted to the Intensive care unit.  

  • Cosmetic Reconstruction Surgery: Pays the specified amount if the surgery is conducted as a reconstructive procedure on structures of the body for the purpose of the restoring/improving bodily function or correcting significant deformity resulting from accidental injury as covered under the hazard, subject to the maximum shown in the policy schedule.

  • Value added service: Facilities like free health line, health portal, health query, discounted services for the health and wellness and e-news letter will be provided to the insured where he will get access to various health articles and will be able to raise queries and get them answered by experts. 

You deserve a healthy and peaceful life in your sunset years. Keeping your need to be self-reliant and have a life of dignity, Medisenior policy aims to ensure you and your spouse have the best medical treatment and financial backup.

Key Features

  • Wide network of hospitals: If you are above 61 years, then you can purchase this policy which covers a network of over 3,000+ hospitals.

  • Discounts: You can avail a 7.5% discount on your policy premium if you pre-pay the premium of two years. You also get a 5% family discount if two family members are covered under the Medisenior policy.

  • Organ donation expenses sorted: The policy covers kidney and other organ transplants. It will also bear the costs incurred by the donor in harvesting the organs.

  • In-patient treatment: Don’t worry about hospitalisation expenses. Everything from room rent, ICU to nursing expenses, medicines, drugs, and consumables are covered. 

  • Treatment at home: Don’t stress if you or your spouse require medical treatment at home during an emergency. Focus on the recovery because we cover this as well.

Don’t let rising medical costs, emergencies and illnesses bog you down. Secure yourself and your family with the Mediraksha Policy and shield yourself from life’s uncertainities to ensure your peace of mind—for life.

Key Features

  • More coverage, greater security: This policy extends coverage to seven family members. That means besides yourself, you can secure your spouse, parents, and three children too.

  • No hassle of medical tests: You don’t have to undergo medical tests until the age of 55.

  • In-patient treatment: The policy covers the costs of hospitalisation due to illness or an accident. The covered expenses include room rent, boarding, ICU, and nursing. You also receive coverage for medicines, drugs and other consumables.

  • Organ donor: The policy also covers the costs of an organ transplant – both for the organ receiver and the donor in the harvesting stage.

  • Day-care procedures: In case you need any Day care procedures, your policy is bound to take care of the expenses. Just look at the 144 day care procedures we cover.

A top-up plan providing extra coverage is what your family needs to lead a relaxed carefree life. Our Mediplus Top-up plan is that security umbrella that buffers you and your loved ones against any unforeseen medical situations.

Key Features

  • Everyone covered: It covers everyone from a 91-day-old baby to those who are 65 years old. 

  • Save money with discounts: You pay 10% less premium if you cover two or more family members with the policy. And if you opt for a 2-year policy, you can avail another 7.5% discount.

  • Cover up to7 people: You can buy a single policy that covers you, your spouse, three children, and your parents.

  • In-patient treatment: The policy covers the costs of room rent, ICU, and nursing. The coverage also extends to medicines, drugs, and consumables.

  • Organ transplant: Receive coverage for in-patient expenses incurred by the organ donor while harvesting the organ as well as the costs incurred by the recipient.

  • Pre- and post-hospitalisation: The policy covers the costs of medical expenses incurred 60 days prior and up to 90 days after hospitalisation. 

  • Domiciliary treatment: You may need medical care at home for a condition that otherwise requires hospitalisation. Provided this care is based on your physician’s advice, the policy will cover the costs.

Critical Illness Policy

Don’t let a health issues stop you from living your life to the fullest. Get the best treatment without having to stress over medical expenses. We’ll take care of that so you can focus on getting better quickly.

Key Features

  • No money worries, no stress: We give the entire coverage amount in a lump-sum. 

  • Our checklist for critical ailments: Heart attack, Cancer, Stroke, Open chest CABG, Kidney failure, Organ transplant, Bone marrow transplant, Blindness, Coma, Major burns, Multiple Sclerosis, and Paralysis are the critical illnesses covered.

  • Go for a second opinion: Assailed by doubts regarding your diagnosis? Go to another doctor/hospital for a second opinion. It’s all covered.

  • Enhance your sum assured: If you later decide to increase your coverage amount, our ‘Sum Insured Enhancement’ feature can kick-in during your policy renewal. 

Claim Process

For Claim Process visit www.tataaig.com/claims

Product and UIN.

  1. MediPrime (UIN: IRDA/NL-HLT/TAGI/P-H/V.I/34/13-14);
  2. Wellsurance Executive (UIN: IRDA/NL-HLT/TAGI/P-H/V.I/69/13-14);
  3. Wellsurance Family (UIN: IRDA/NL-HLT/TAGI/P-H/V.I/48/14-15);
  4. Wellsurance Woman (UIN: IRDA/NL-HLT/TAGI/P-H/V.I/47/14-15);
  5. MediSenior (UIN: TATHLIP14001V011314).
  6. MediRaksha (UIN: TATHLIP14002V011314).
  7. MediPlus (UIN: TATHLIP14003V011314).
  8. Critical Illness Policy (UIN: TATHLIP05001V010405).