Top Tata AIG Health Insurance Plans

TATA AIG health policy

This is a pocket-sized policy that provides standard coverage for the policyholder. It offers benefits such as international insurance and bariatric surgery insurance. Here the sum insured varies from 3 to 20 thousand rubles.

Main features:

• This policy is available in individual and family mobile options.
• The insured sum is from 3 to 20 thousand rubles.
• If the insured uses the entire sum insured, this will automatically be reimbursed to the extent of 100%.
• Provides international coverage if the policyholder seeks treatment outside India.
• Expenses for consumables directly related to the treatment, such as PPE kits, masks, gloves, crepe bandages, syringes, etc.
• Coverage of obesity and other weight-related surgeries.
• Includes over 540 days of treatment.
• Coverage of medical expenses for hospitalized patients.
• After two years of continuous coverage, the policyholder receives HPV and Hepatitis B vaccination coverage and there is no waiting period for typhoid and rabies vaccinations.
• Coverage of expenses related to organ donation.
• Coverage of urgent medical expenses 60 days before and 90 days after the insured person's hospitalisation.

TATA AIG Medicare protection policy

This policy is ideal for those who want to cover the daily costs associated with hospitalization. This plan provides greater coverage before and after hospitalization

Main features:

• If the insured uses the entire sum insured, this will automatically be reimbursed to the extent of 100%.
• Expenses for consumables directly related to the treatment, such as PPE kits, masks, gloves, crepe bandages, syringes, etc.
• Includes over 540 days of treatment.
• The cost of hospital treatment.
• Coverage of expenses related to organ donation.
• Coverage of urgent medical expenses up to 30 days and after 60 days of hospitalization of the insured person.

Premier TATA AIG Medicare

It provides much wider and better coverage than TATA AIG Medicare. In addition to the comprehensive coverage Medicare provides, this policy provides coverage for high-quality and expensive diagnostic procedures, OPD, dental procedures, comprehensive emergency bills, and more. Coverage varies from INR 5 lakh to INR 50 lakh. . .

Main features:

• If the insured uses the entire sum insured, this will automatically be reimbursed to the extent of 100%.
• Provides international coverage if the policyholder seeks treatment outside India.
• Expenses for consumables directly related to the treatment, such as PPE kits, masks, gloves, crepe bandages, syringes, etc.
• Coverage of obesity and other weight-related surgeries.
• Emergency medical insurance.
• Includes over 540 days of treatment.
• Coverage of medical expenses for hospitalized patients.
• Cover up to INR 25,000 annually for high quality diagnostics.
• Accidental Death Cover.
• Maternity insurance is only available after a four-year wait;
• Coverage up to INR 50,000 per policy year
• In the case of a girl, the insurance coverage goes up to INR 60,000.
• An insured person receives HPV and hepatitis B vaccination coverage after two years of continuous coverage without a waiting period for typhoid and rabies vaccinations.
• Coverage of expenses related to organ donation.
• Coverage of urgent medical expenses 60 days before and 90 days after the insured person's hospitalisation.

Tata AIG Super Up plan

Tata AIG Super Top-Up Plan is a comprehensive add-on policy. It is meant to provide additional protection than your regular health insurance plan at quite affordable rates. This policy offers a wide range of coverage options with many built-in benefits and additional benefits such as cumulative bonus, consumables coverage and optional global coverage. The policy is available to both you and your family.

Main features:

• The insured sum is from 300,000 to 1,000,000 rubles.
• The minimum and maximum age of entry ranges from 91 days to 65 years.
• Coverage covers 60 days and 90 days before and after hospitalization, respectively.
• AYUSH covers medical expenses.
• Coverage against rabies and typhoid, as well as HPV and hepatitis B vaccinations after two years of the policy.
• Coverage for up to six family members, including a spouse, three children and parents.
• Cover expenses for consumables such as surgery, medical services, or equipment used during a hospital stay.
• Get an additional bonus to the guaranteed amount up to 100% of the guaranteed amount.
• Additional coverage worldwide.

Tata AIG plans to treat complex diseases

This critical illness policy provides the best coverage for life threatening illnesses such as cancer, kidney failure, blindness, coma and others.

Main features:

• It provides coverage for 11 major critical illnesses such as cancer, heart attack, brain tumor, Parkinson's disease, coma, liver, lung or kidney failure, etc.
• It offers a one-time payment of the sum insured.
• A minimum age of 18 and a maximum age of 65 may be covered by this plan.
• There are benefits such as a second opinion from a doctor.
• The costs of treatment in a day hospital are covered.
• There are several options for increasing the sum insured.
• A claim is accepted if a critical illness is diagnosed within the first 90 days of the first day of the policy.
• Pre-existing medical conditions are covered after a 48-month waiting period.

Policy Tata AIG Arogya Sanjeevani

This policy is a standard health insurance plan that covers basic health care costs. The insured sum is from 1 to 5 thousand rubles. TATA AIG Arogya Sanjeevani covers pre-hospital and post-hospital expenses, as well as other benefits such as life extension and a savings bonus. This plan is a one-year policy option and is available on both an individual and family basis.

Main features:

• A wide range of benefits such as hospitalization coverage, pre-hospital and post-hospital expenses, cataract treatment and AYUSH treatment.
• Childcare and emergency call insurance.
• Access to more than 7200 hospitals for cashless insurance.
• Possibility to cover the whole family in a single plan.
• An increase in the sum insured of 5-50% for each year without insurance policy without additional insurance premium.
• Possibility of paying annual, semi-annual, quarterly or monthly bonuses.
• Coverage for cataract treatment is limited to 25% of the sum insured or INR 40,000, whichever is less.
• Coverage for expensive surgical procedures such as balloon rhinoplasty, oral chemotherapy, robotic surgery, deep brain stimulation, stem cell therapy and more.

Politics Tata AIG Corona Kavach

This is a recently launched program specifically designed to cover various medical expenses related to the ongoing global pandemic. Here, the sum insured covers the costs associated with a positive diagnosis of Covid-19.

Main features:

• The insured sum is from 50,000 to 5,000,000 rubles.
• Coverage of pre-hospital and post-hospital costs such as PPE kits, medication bills, masks and gloves, intensive care unit (ICU) costs, etc.
• The upholstery is available for daily treatment.
• Covers medical expenses related to AYUSH.
• The costs of the medical examination are covered by this policy.
• Home quarantine costs are not covered, and if you are quarantined in an unauthorized facility, the costs are not covered under this policy.
• This policy does not cover medical expenses associated with any critical illness.
• This policy has a 30 day waiting period which means that the policyholder cannot make any claims under the Covid-19 policy during the first 30 days of the policy term.

Polis Tata AIG Crown Protector

TATA AIG also has other covid policies such as Coronavirus Protection Policy. This policy offers insurance coverage from INR 2.5 lakh to INR 5 lakh.

Main features:

• Hospital coverage for 72 hours or more.
• Covers the cost of PPE kits, masks, gloves, oxygen tanks, etc.
• Opportunity to get comorbidity coverage with Covid-19 insurance at an additional cost.

Accident policy Tata AIG

This is Tata AIG's Comprehensive Medical Accident Insurance. It is intended to protect you and your family members from any financial loss caused by an accident. This includes accidental death, permanent or temporary disability, and hospitalization. In the event of an adverse event, this policy fully covers emergency expenses, hospital bills, loss of income and even the cost of a child's education.

Listed below are the various insurance plans sold under the TATA AIG Accident Insurance policies:

Accident Protection Policy

Main features:

• The sum insured varies from 5 million rubles to 1 million rubles.
• The policy is for individuals and families aged 18 to 65 and children aged six months to 18 years.
• The free review period is 15 days and the policyholder can renew the policy within 30 days after the grace period.
• A renewal surcharge of 10% applies up to a maximum of 50% of no-claims renewals during the insurance year.
• It covers 100% of the sum insured in the event of a fatal accident.
• Includes weekly allowance in case of temporary total disability.
• Covers the amount of school allowance for a child in the event of an accident to the insured person.

Accident Protection Policy

Main features:

• Eligibility ranges from six months to a maximum of 65 years.
• This policy is available to individuals, families where me, my spouse and two dependent children can be insured.
• The policy is valid for up to three years.
• The free review period is 15 days and the policyholder can renew the policy within 30 days after the grace period.
• It covers 100% of the sum insured in the event of a fatal accident.
• Includes weekly allowance in case of temporary total disability.
• It covers up to 10% of the sum insured or INR 1 million, whichever is less, for the children's education fund.
• If an accident results in permanent partial disability, the policy covers the entire sum insured within 180 days of the date of the accident.

A solid plan for the future

Main features:

• This policy guarantees the safety of other members of the insured family in the event of an accident with the insured.
• This policy is issued annually.
• The insurance is provided only to earning family members.
• Ages 18 to 70.
• It offers a flexible choice of monthly benefits ranging from INR 10,000 to INR 35,000 for periods ranging from 5 to 20 years. The policyholder can choose the option according to their monthly expenses.
• In the event of accidental death, compensation is up to 100% of the sum insured.
• In the event of partial disability, coverage ranges from 25% of the insured sum to 100% of the insured sum.
• The possibility of increasing the sum insured upon renewal of the policy.

MahaRaksha - Personal Injury Policy

Main features:

• Ages 18 to 75 years.
  Lifetime renewal plans available.
• This policy applies to yourself, your spouse, mother and father on an individual and family basis.
• Free trial period: 15 days and preferred period: 30 days.
• Comprehensive coverage in the event of accidental death.
• Includes daily allowance for inpatient care.
• Injuries resulting from a fracture, dislocation or burn within 90 days of the date of the accident are covered.
• Cover is available if the policyholder does not engage in any of the three daily activities specified in the policy for an uninterrupted period of 180 days.