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  • TATA AIG Health Insurance

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Tata AIG General Insurance Company Limited is a market leader in providing insurance services in the country. The company is a joint venture between the American International Group and the Tata Group.

    Features & Benefits of Tata AIG Health Insurance

    Plans provided by Tata AIG Health Insurance

    Plan Name Plan Basis (individual, family, etc) >Sum Insured (Min and Max) Policy Term
    MediPrime - Cashless Health Insurance Individual and Family Min: Rs.2 lakh Max: Rs.10 lakh 1 or more
    Wellsurance Executive Policy Individual As mentioned in the policy document 1 or more
    Wellsurance Family Family As mentioned in the policy document 1 or more
    Wellsurance Woman For women on an Individual Basis As mentioned in the policy document 1 or more
    Critical Illness Policy Individual and Family As mentioned in the policy document 1 or more
    MediPlus Individual and Family As mentioned in the policy document 1 or more
    MediSenior Individual and Family Min: Rs.2 lakh Max: Rs.5 lakh 1 or more
    MediRaksha Individual Min: Rs.50,000 Max: Rs.1 lakh 1 or more

    MediPrime - Cashless Health Insurance

    The MediPrime - Cashless Health Insurance is specially designed to provide cashless claim services at a faster rate, while also providing good coverage and other benefits.

    Unique Features of MediPrime - Cashless Health Insurance

    • Comprehensive coverage that includes charges incurred towards room, nursing, ICU, day care, domiciliary care, organ donor expenses
    • Tax benefit can be availed
    • Cashless claims network, lifelong renewal
    • Ambulance services, health check-up
    • Dental procedures, alternative treatments, vaccination

    Plan Details

    Policy term 1 or more years
    Entry Age Above 18 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.2 lakh Max: Rs.10 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Only required for those above 50 years
    Co-Payment No co-payment
    Waiting Period General waiting period of 30 days
    No Claim Bonus Yes

    Wellsurance Executive Policy

    The Wellsurance Executive Policy is designed to take care of the health needs of working professionals.

    Unique Features of Wellsurance Executive Policy

    • Tax benefit applicable
    • Coverage provided for hospitalization, pre, and post-hospitalization, ICU, room and nursing charges
    • Cover for surgeries as applicable
    • Up to 9 critical illnesses covered under the policy
    • Wellsurance advantage
    • Daily cash benefit, ambulance cover
    • Additional benefits include access to the Health Portal, Health Query, E-Newsletter and other discounted services

    Plan Details

    Policy term 1 or more
    Entry Age 18 to 65 years
    Plan Basis Individual
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, sum insured, etc
    Medical Screening Only required for those above 50 years
    Co-Payment As mentioned in the policy document
    Waiting Period As mentioned in the policy document
    No Claim Bonus Yes

    Wellsurance Family

    The Wellsurance Family health insurance plan is a comprehensive policy that provides good coverage for families. The benefits include a higher hospital cash allowance and educational benefit for children.

    Unique Features of Wellsurance Family

    • Lifelong protection, tax benefit
    • Education of child in case of death due to accident of the policyholder
    • 11 critical illnesses covered
    • Comprehensive coverage that includes charges incurred towards room, nursing, ICU, day care, domiciliary care, organ donor expenses
    • Additional benefits include access to the Health Portal, Health Query, E-Newsletter and other discounted services

    Plan Details

    Policy term 1 or more
    Entry Age 6 months to 65 years
    Plan Basis Family
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, sum insured, etc
    Medical Screening Only required for those above 50 years
    Co-Payment As mentioned in the policy document
    Waiting Period As mentioned in the policy document
    No Claim Bonus Yes

    Wellsurance Woman Policy

    Specially designed for the woman of today, the Wellsurance Woman Policy provides comprehensive coverage and comes with a host of benefits.

    Unique Features of Wellsurance Woman Policy

    • Tax benefit applicable
    • Daily cash allowance, ICU, ICCU cover
    • Convalescence benefit, cosmetic surgery
    • Lifelong renewal, enhancement of sum insured
    • Comprehensive coverage that includes charges incurred towards room, nursing, ICU, day care, domiciliary care, organ donor expenses

    Plan Details

    Policy term 1 or more
    Entry Age 18 to 65 years
    Plan Basis For women on an individual basis
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, sum insured, etc
    Medical Screening Only required for those above 50 years
    Co-Payment As mentioned in the policy document
    Waiting Period 90 days, no waiting period for accidents
    No Claim Bonus Yes

    Critical Illness

    The Critical Illness health insurance policy is designed to provide protection against specified serious ailments.

    Unique Features of Critical Illness

    • Coverage provided for 11 critical illnesses
    • Lump sum handed out once an ailment is diagnosed
    • Second opinion cost covered
    • Tax benefit applicable

    Plan Details

    Policy term 1 or more
    Entry Age 18 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, sum insured, etc
    Medical Screening Only required for those above 50 years
    Co-Payment As mentioned in the policy document
    Waiting Period As mentioned in the policy document
    No Claim Bonus Yes

    MediPlus

    MediPlus is a health insurance plan that provides additional top-up coverage and acts as a supplement to an already existing health insurance policy.

    Unique Features of MediPlus

    • Coverage for hospitalization expenses such as room charges, nursing, medicines, pre and post-hospitalization cost, day care expenses, domiciliary care, organ donor expenses, ambulance cover
    • Cashless claim network
    • Tax benefit applicable
    • Lifelong policy tenure

    Plan Details

    Policy term 1 or more
    Entry Age 91 days to 65 years
    Plan Basis Individual and Family
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, sum insured and other factors
    Medical Screening As mentioned in the policy document
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days, 48 months for pre-existing diseases
    No Claim Bonus Yes

    MediSenior

    This is a health insurance policy specially formulated and designed to provide comprehensive coverage to senior citizens.

    Unique Features of MediSenior

    • Coverage for hospitalization expenses such as room charges, nursing, medicines, pre and post-hospitalization cost, day care expenses, domiciliary care, organ donor expenses, ambulance cover
    • Cashless claim network
    • Lifelong policy tenure
    • Tax benefit applicable
    • Portability of policy

    Plan Details

    Policy term 1 or more
    Entry Age Age of entry is 61 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.2 lakh Max: Rs.5 lakh
    Premium Depends on age, sum insured and other factors
    Medical Screening As mentioned in the policy document
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days in general
    No Claim Bonus Yes

    MediRaksha

    The MediRaksha policy offers basic health insurance cover at reasonable rates.

    Unique Features of MediRaksha

    • Affordable premium
    • Tax benefit applicable
    • Coverage for hospitalization, pre-hospitalization, post-hospitalization, daycare

    Plan Details

    Policy term 1 or more
    Entry Age 91 to 65 years
    Plan Basis Individual
    Sum Insured Range Min: Rs.50,000 Max: Rs.1 lakh
    Premium Depends on age, sum insured and other factors
    Medical Screening As mentioned in the policy document
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days in general
    No Claim Bonus Yes

    Checklist before Buying Tata AIG Health Insurance

    • Finalize the coverage amount
    • Choose and finalize an appropriate health policy as per personal, financial, health requirements and limitations
    • Take a look at the exclusions
    • Read the policy document thoroughly
    • Keep all documents ready

    Documents Required for Purchasing Tata AIG Health Insurance

    • Id proof
    • Address proof
    • Medical certificates, if asked

    Reasons to choose Tata AIG Health Insurance

    Hassle-free claim settlement
    Online purchase and renewal
    Host of discounts
    Additional benefits

    Incurred Claim Ratio of Tata AIG Health Insurance

    The incurred claim ratio, usually represented as a percentage, is nothing but the aggregate number of claims that are settled by the insurance company in a particular year. This number is usually calculated using a formula and is given out as a percentage.

    Year Incurred Claim Ratio
    2016-17 57.20%

    Extra Benefits from Tata AIG Health Insurance

    24/7 customer support Tata AIG provides customer support at any time and helps customers resolve any queries related to purchase, renewal, claim settlement, etc

    Tata AIG Health Insurance Renewal

    To renew health insurance policies, log on to the website and choose the ‘Renew’ option and proceed to make payment.

    Tata AIG Health Insurance Network Hospitals for Cashless Treatment

    To locate the nearest cashless claim hospital, log on to their website. Tata provides pan India coverage.

    Claim Procedure in Tata AIG Health Insurance

    Cashless claim:

    • Inform the insurance provider immediately
    • Seek prior approval, provide health card
    • Bills will be paid by the insurance company directly to the network hospital

    Reimbursement claim:

    • Fill claim form
    • Bills, invoices, and discharge summary should be kept ready
    • Submit the relevant documents along with the claim form
    • Reimbursements will be made within 7 working days

    Terms and Conditions of the Insurer

    • In many cases, the insurance company can officially withdraw the policy or cancel it at any point of time if any information provided by the policyholder is untrue, misrepresented or concealed.
    • Claims will not be settled or processed if adequate documentation is not submitted or if claim forms are not handed out before the deadline
    • If there is a delay if submitting the claim, the insurance company has the right to decide what to do
    • Claims cannot be made for any exclusions

    Tata AIG Health Insurance Co. Ltd.

    Tata AIG General Insurance Company Limited is a market leader in providing insurance services in the country. The company is a joint venture between the American International Group and the Tata Group.

    Features & Benefits of Tata AIG Health Insurance

    • Special plans for women, working executives: Tata AIG has come out with a dedicated health insurance plan to address the healthcare needs of working women in today’s age and working executives who are always on the go. These plans are designed in such a way that they address the needs of these groups of people.
    • Additional benefits: Tata AIG health insurance policies comes with a wide range of benefits including features such as the Health Portal, the E-newsletter and other discounts on premium and sum insured.

    Plans provided by Tata AIG Health Insurance

    Plan Name Plan Basis (individual, family, etc) Sum Insured (Min and Max) Policy Term
    MediPrime - Cashless Health Insurance Individual and Family Min: Rs.2 lakh Max: Rs.10 lakh 1 or more
    Wellsurance Executive Policy Individual As mentioned in the policy document 1 or more
    Wellsurance Family Family As mentioned in the policy document 1 or more
    Wellsurance Woman For women on an Individual Basis As mentioned in the policy document 1 or more
    Critical Illness Policy Individual and Family As mentioned in the policy document 1 or more
    MediPlus Individual and Family As mentioned in the policy document 1 or more
    MediSenior Individual and Family Min: Rs.2 lakh Max: Rs.5 lakh 1 or more
    MediRaksha Individual Min: Rs.50,000 Max: Rs.1 lakh 1 or more

    MediPrime - Cashless Health Insurance

    The MediPrime - Cashless Health Insurance is specially designed to provide cashless claim services at a faster rate, while also providing good coverage and other benefits.

    Unique Features of MediPrime - Cashless Health Insurance

    • Comprehensive coverage that includes charges incurred towards room, nursing, ICU, day care, domiciliary care, organ donor expenses
    • Tax benefit can be availed
    • Cashless claims network, lifelong renewal
    • Ambulance services, health check-up
    • Dental procedures, alternative treatments, vaccination

    Plan Details

    Policy term 1 or more years
    Entry Age Above 18 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.2 lakh Max: Rs.10 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Only required for those above 50 years
    Co-Payment No co-payment
    Waiting Period General waiting period of 30 days
    No Claim Bonus Yes

    Wellsurance Executive Policy

    The Wellsurance Executive Policy is designed to take care of the health needs of working professionals.

    Unique Features of Wellsurance Executive Policy

    • Tax benefit applicable
    • Coverage provided for hospitalization, pre, and post-hospitalization, ICU, room and nursing charges
    • Cover for surgeries as applicable
    • Up to 9 critical illnesses covered under the policy
    • Wellsurance advantage
    • Daily cash benefit, ambulance cover
    • Additional benefits include access to the Health Portal, Health Query, E-Newsletter and other discounted services

    Plan Details

    Policy term 1 or more
    Entry Age 18 to 65 years
    Plan Basis Individual
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, sum insured, etc
    Medical Screening Only required for those above 50 years
    Co-Payment As mentioned in the policy document
    Waiting Period As mentioned in the policy document
    No Claim Bonus Yes

    Wellsurance Family

    The Wellsurance Family health insurance plan is a comprehensive policy that provides good coverage for families. The benefits include a higher hospital cash allowance and educational benefit for children.

    Unique Features of Wellsurance Family

    • Lifelong protection, tax benefit
    • Education of child in case of death due to accident of the policyholder
    • 11 critical illnesses covered
    • Comprehensive coverage that includes charges incurred towards room, nursing, ICU, day care, domiciliary care, organ donor expenses
    • Additional benefits include access to the Health Portal, Health Query, E-Newsletter and other discounted services

    Plan Details

    Policy term 1 or more
    Entry Age 6 months to 65 years
    Plan Basis Family
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, sum insured, etc
    Medical Screening Only required for those above 50 years
    Co-Payment As mentioned in the policy document
    Waiting Period As mentioned in the policy document
    No Claim Bonus Yes

    Wellsurance Woman Policy

    Specially designed for the woman of today, the Wellsurance Woman Policy provides comprehensive coverage and comes with a host of benefits.

    Unique Features of Wellsurance Woman Policy

    • Tax benefit applicable
    • Daily cash allowance, ICU, ICCU cover
    • Convalescence benefit, cosmetic surgery
    • Lifelong renewal, enhancement of sum insured
    • Comprehensive coverage that includes charges incurred towards room, nursing, ICU, day care, domiciliary care, organ donor expenses

    Plan Details

    Policy term 1 or more
    Entry Age 18 to 65 years
    Plan Basis For women on an individual basis
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, sum insured, etc
    Medical Screening Only required for those above 50 years
    Co-Payment As mentioned in the policy document
    Waiting Period 90 days, no waiting period for accidents
    No Claim Bonus Yes

    Critical Illness

    The Critical Illness health insurance policy is designed to provide protection against specified serious ailments.

    Unique Features of Critical Illness

    • Coverage provided for 11 critical illnesses
    • Lump sum handed out once an ailment is diagnosed
    • Second opinion cost covered
    • Tax benefit applicable

    Plan Details

    Policy term 1 or more
    Entry Age 18 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, sum insured, etc
    Medical Screening Only required for those above 50 years
    Co-Payment As mentioned in the policy document
    Waiting Period As mentioned in the policy document
    No Claim Bonus Yes

    MediPlus

    MediPlus is a health insurance plan that provides additional top-up coverage and acts as a supplement to an already existing health insurance policy.

    Unique Features of MediPlus

    • Coverage for hospitalization expenses such as room charges, nursing, medicines, pre and post-hospitalization cost, day care expenses, domiciliary care, organ donor expenses, ambulance cover
    • Cashless claim network
    • Tax benefit applicable
    • Lifelong policy tenure

    Plan Details

    Policy term 1 or more
    Entry Age 91 days to 65 years
    Plan Basis Individual and Family
    Sum Insured Range As mentioned in the policy document
    Premium Depends on age, sum insured and other factors
    Medical Screening As mentioned in the policy document
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days, 48 months for pre-existing diseases
    No Claim Bonus Yes

    MediSenior

    This is a health insurance policy specially formulated and designed to provide comprehensive coverage to senior citizens.

    Unique Features of MediSenior

    • Coverage for hospitalization expenses such as room charges, nursing, medicines, pre and post-hospitalization cost, day care expenses, domiciliary care, organ donor expenses, ambulance cover
    • Cashless claim network
    • Lifelong policy tenure
    • Tax benefit applicable
    • Portability of policy

    Plan Details

    Policy term 1 or more
    Entry Age Age of entry is 61 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.2 lakh Max: Rs.5 lakh
    Premium Depends on age, sum insured and other factors
    Medical Screening As mentioned in the policy document
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days in general
    No Claim Bonus Yes

    MediRaksha

    The MediRaksha policy offers basic health insurance cover at reasonable rates.

    Unique Features of MediRaksha

    • Affordable premium
    • Tax benefit applicable
    • Coverage for hospitalization, pre-hospitalization, post-hospitalization, daycare

    Plan Details

    Policy term 1 or more
    Entry Age 91 to 65 years
    Plan Basis Individual
    Sum Insured Range Min: Rs.50,000 Max: Rs.1 lakh
    Premium Depends on age, sum insured and other factors
    Medical Screening As mentioned in the policy document
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days in general
    No Claim Bonus Yes

    Checklist before Buying Tata AIG Health Insurance

    • Finalize the coverage amount
    • Choose and finalize an appropriate health policy as per personal, financial, health requirements and limitations
    • Take a look at the exclusions
    • Read the policy document thoroughly
    • Keep all documents ready

    Documents Required for Purchasing Tata AIG Health Insurance

    • Id proof
    • Address proof
    • Medical certificates, if asked

    Reasons to choose Tata AIG Health Insurance

    Hassle-free claim settlement
    Online purchase and renewal
    Host of discounts
    Additional benefits

    Incurred Claim Ratio of Tata AIG Health Insurance

    The incurred claim ratio, usually represented as a percentage, is nothing but the aggregate number of claims that are settled by the insurance company in a particular year. This number is usually calculated using a formula and is given out as a percentage.

    Year Incurred Claim Ratio
    2015-16 64.85%

    Extra Benefits from Tata AIG Health Insurance

    24/7 customer support Tata AIG provides customer support at any time and helps customers resolve any queries related to purchase, renewal, claim settlement, etc

    Tata AIG Health Insurance Renewal

    To renew health insurance policies, log on to the website and choose the ‘Renew’ option and proceed to make payment.

    Tata AIG Health Insurance Network Hospitals for Cashless Treatment

    To locate the nearest cashless claim hospital, log on to their website. Tata provides pan India coverage.

    Claim Procedure in Tata AIG Health Insurance

    Cashless claim:

    • Inform the insurance provider immediately
    • Seek prior approval, provide health card
    • Bills will be paid by the insurance company directly to the network hospital

    Reimbursement claim:

    • Fill claim form
    • Bills, invoices, and discharge summary should be kept ready
    • Submit the relevant documents along with the claim form
    • Reimbursements will be made within 7 working days

    Terms and Conditions of the Insurer

    • In many cases, the insurance company can officially withdraw the policy or cancel it at any point of time if any information provided by the policyholder is untrue, misrepresented or concealed.
    • Claims will not be settled or processed if adequate documentation is not submitted or if claim forms are not handed out before the deadline
    • If there is a delay if submitting the claim, the insurance company has the right to decide what to do
    • Claims cannot be made for any exclusions

    This insurance company/organisation is not a partner of Bankbazaarinsurance.com. The content provided here is for informational purposes only. Readers should visit the branch office/website of the insurer for more details. The logos, trademarks, and other intellectual property on display belong to their respective owners.

    TATA AIG Health Insurance Co. Ltd. Reviews

    • Tata AIG Health Insurance
      "Good "
      0.5 4.0/5 "Great!"
      My health insurance is with TATA AIG. The customer support is good and there were no hassles. The medical coverage is good. There are good benefits in the policy. The premium is also normal. Fortunately there has been no claim experience till date.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 25, 2018
    • Tata AIG Health Insurance
      "Overall good"
      0.5 4.0/5 "Great!"
      I have taken my car insurance with TATA AIG. The IDV is good and there are no hassles in the whole process. The customer support is also good as they provided all the details. In all there were no issues to buy the policy. I got the policy copy as well.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Jun 20, 2018
    • Tata AIG Health Insurance
      "GREAT"
      0.5 4.0/5 "Great!"
      I am holding from 1 year. I had no claim experience. Complete covered from my insurance and it is a good coverage. Documentation is good and took from the on line. This is for my family. I will be doing payment through on line year once. Customer service not yet contacted. This is costly.
      Was this review helpful? 0
      , thane
      Reviewed on May 31, 2018
    • Tata AIG Health Insurance
      "Very Good Policy"
      0.5 5.0/5 "Blown Away!"
      They have too many benefits one is personal accidental cover another is general accident cover your family get 2 lakhs. If i have a child he can claim 80% of the sum assured amount. I'm paying for 1 lakh for i have to pay Rs.2218. I have to pay yearly.
      Was this review helpful? 0
      , kaliaganj
      Reviewed on May 17, 2018
    • Tata AIG Health Insurance
      "Better Service"
      0.5 3.0/5 "Satisfactory"
      They are providing cashless treatment. Finally, I have closed this policy. I don't have any claim experience with this TATA AIG health insurance. Overall, it is a okay experience with the TATA AIG. I'm not aware of the pre-existing disease cover.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 16, 2018
    • Tata AIG Health Insurance
      "Company package health insurance policy. "
      0.5 4.0/5 "Great!"
      As I'm holding TATA AIG Health insurance policy so i'm paying Rs. 25000 every year. It is floating the whole family coverage policy. Cashless medical policy is available. Many good hospital list is available. I'm not aware of the Pre-existing diseases cover since i don't need it.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 15, 2018
    • Tata AIG Health Insurance
      "Average policy"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy from Tata Aig. I faced a little issue with the policy as when I was hospitalized recently the policy did not reimburse me any amount at the time of claim, so I was not satisfied. My total premium I paid is around rs.3,900 and sum assured to me is around Rs. 5,00,000.
      Was this review helpful? 0
      , nagpur
      Reviewed on Mar 05, 2018
    • Tata AIG Health Insurance
      "Not happy with the process"
      0.5 1.0/5 "Really Bad"
      My experience with TATA AIG is not up to the mark. Initially TATA AIG confirmed that the plan name is Maharaksha is in exsistence. Later I was told that the Maharaksha plan is no more and I was forced to take another plan named well health policy. The premium was of 40K approximately. At the time of retirement I could not pay that so i have lost the continuity. Once more the team came up to me for the Maharaksha plan and I declined their offer. I suggest that the provider should see about the customers continuity and not about their sale.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 05, 2018
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