TATA AIG General Insurance

TATA AIG is a general insurance company which is formed as a venture between TATA Group and AIG. AIG, American International Group, is a leading financial services group of the USA and TATA Group is a leading Indian industrial conglomerate. The company was established in the year 2001 and since then the company has been offering innovative insurance solutions in the general insurance segment. TATA AIG offers travel insurance, health insurance, motor insurance and even commercial insurance products. As recorded on 30th September, the company had an Asset Under Management that was around INR 14,295 crore. With a workforce of over 6,220 employees spread across India in over 200 office branches, the company has a strong network through the length and breadth of the country.

The health insurance plans of the company are quite popular as the company offers health insurance solutions of all kinds. Here are the features and benefits of TATA AIG’s health insurance plans –

• Indemnity health plans, fixed benefit plans, women-specific health insurance plans are some of the types of plans offered by the company
• Each health insurance plan offers a good scope of coverage at affordable premium rates
• The company is tied up with more than 4000 hospitals in India which allows you to avail easy cashless claim settlements
• The company is available 24*7 online as well as on its customer care helpline for all your queries and complaints

Health insurance plans offered by TATA AIG General Insurance Company Limited:

• Tata AIG Medicare Plan

Medicare is an indemnity health plan which covers the actual cost of hospitalisation incurred in case of illness or injury. The salient features of the plan are as follows –

• International treatments are also covered
• Sum insured is restored if it is exhausted any year
• Sum insured increases by 50% after each claim-free year
• Premium discounts for choosing shared accommodation, opting for a long term cover and also for adding family members
• Accidental death benefit rider can be chosen as an optional cover

Coverage benefits of Tata AIG Medicare Plan:

Bariatric surgery cover	Consumables cover
Inpatient hospitalisation	Pre and post hospitalisation
Day care treatments	Organ donor expenses
Domiciliary treatments	Inpatient dental treatments
AYUSH treatments	Ambulance costs
Free health check-ups after 2 claim-free policy years	Free medical second opinion
Vaccination cover	Cost of hearing aids
Daily cash allowance for shared accommodation and accompanying an insured child	Compassionate travel

Plan parameters and other conditions of Tata AIG Medicare Plan:

Entry age	5 years to 65 years. Dependent children aged 91 days to 5 years can be covered if any parent is covered.
Policy term	1-3 years
Policy type	Individual or family floater
Sum insured	INR 3 lakhs to INR 20 lakhs
Pre-existing waiting period	36 months

• Tata AIG Medicare Protect Plan

This is also an indemnity plan like Medicare but with lower premium rates because the sum insured levels are lower. The salient features of the plan are as follows –

• Lifelong renewal is promised
• The sum insured is restored if it is used up in a policy year on earlier claims
• Sum insured increases by 10% after each claim-free year
• You can choose to opt for accidental death benefit cover

Coverage benefits of Tata AIG Medicare Protect Plan:

Pre hospitalisation expenses	Consumables cover
Inpatient hospitalisation	Post hospitalisation expenses
Day care treatments	Organ donor expenses
Domiciliary treatments	Compassionate travel
AYUSH treatments	Ambulance costs
Free health check-ups after 3 claim-free policy years	Free medical second opinion

Plan parameters and other conditions of Tata AIG Medicare Protect Plan:

Entry age	5 years to 65 years. Dependent children aged 91 days to 5 years can be covered if any parent is covered.
Policy term	1-3 years
Policy type	Individual or family floater
Sum insured	INR 2 lakhs to INR 5 lakhs
Pre-existing waiting period	48 months

• Tata AIG Medicare Premier Plan:

Medicare Premier offers a range of comprehensive coverage benefits to policyholders. The features of the plan include the following –

• Coverage for medical treatments taken abroad is allowed if the insured was diagnosed in India
• The sum insured is restored completely if it is used upon previous claims
• A range of premium discounts are available which make the plan very affordable
• The sum insured is doubled after two claim-free years.

Coverage benefits of Tata AIG Medicare Premier Plan:

Bariatric surgery cover	Consumables cover
Inpatient hospitalisation	Pre and post hospitalisation
Daycare treatments	Organ donor expenses
Domiciliary treatments	Inpatient dental treatments
AYUSH treatments	Ambulance costs
Free health check-ups every year	Free medical second opinion
First-year vaccination cover for the newborn baby	Cost of hearing aids
Daily cash allowance for shared accommodation and accompanying an insured child	Compassionate travel
Maternity cover	Newborn baby cover
Vaccination cover for adults	Prolonged hospitalisation recovery benefit
Coverage for high-end diagnostic tests on OPD basis	OPD treatments
OPD dental treatments	Emergency air ambulance cover
Accidental death benefit

Plan parameters and other conditions of Tata AIG Medicare Premier Plan:

Entry age	5 years to 65 years. Dependent children aged 91 days to 5 years can be covered if any parent is covered.
Policy term	1-3 years
Policy type	Individual or family floater
Sum insured	INR 5 lakhs to INR 50 lakhs
Pre-existing waiting period	24 months

• Tata AIG Wellsurance Executive Policy:

Wellsurance Executive is a combination of a fixed benefit health plan and indemnity health plan. The plan pays a lump sum benefit in case of various medical complications and actual costs incurred in case of others. The features of the plan are as follows –

• The plan comes in three variants of Classic, Supreme and Elite
• The amount payable under different circumstances is different and it depends on the plan variant too
• Lump-sum payments help you take care of your financial obligations
• The plan also covers the basic medical expenses which incur in case of hospitalisation 

Coverage benefits of Tata AIG Wellsurance Executive Policy:

Ambulance cost on actuals

Critical illnesses (11 illnesses are covered)

Daily cash allowance paid for hospitalisation for sickness or accident

Operation charges

Major surgeries

Minor surgeries

OPD expenses

Kidney dialysis

Chemotherapy

Hospital cash benefit

Convalescence benefit

Post hospitalisation expenses

Plan parameters and other conditions

Entry age	18-65 years
Policy term	1year
Policy type	Individual
Pre-existing waiting period	48 months

• Tata AIG Wellsurance Family Policy

Wellsurance Family is a family floater health plan which covers you, your spouse, dependent children and even dependent parents. The salient features of the plan include the following –

• The plan pays both lump-sum benefits as well as indemnity oriented claims
• The coverage for different medical costs differs
• The plan has three coverage variants – Classic, Supreme and Elite
• Various value-added services are also offered by the plan

Coverage benefits of Tata AIG Wellsurance Family Policy:

Ambulance cost on actuals

Critical illnesses (11 illnesses are covered)

Daily cash allowance paid for hospitalisation for sickness or accident

Daily cash benefit for ICU admission

Convalescence benefit

Education benefit in case of accidental death or disablement of the insured

Plan parameters and other conditions of Tata AIG Wellsurance Family Policy:

Entry age	Children – 6 months to 23 years Adults – 18-65 years
Policy term	1year
Policy type	Family floater
Pre-existing waiting period	48 months

• Tata AIG Wellsurance Woman Policy

This is a specially designed health insurance plan for women. The salient features of the plan are as follows –

• Both lump sum benefit and actual expenses incurred are paid
• There are three coverage variants – Classic, Supreme and Elite
• Coverage amount depends on the coverage benefits and varies across variants

Coverage benefits of Tata AIG Wellsurance Woman Policy:

Ambulance Cost on actuals

Critical illnesses (11 illnesses are covered)

Daily cash allowance paid for hospitalisation for sickness or accident

Daily cash benefit for ICU admission

Convalescence benefit

Cosmetic reconstruction surgery

Education benefit in case of accidental death or disablement of the insured

Plan parameters and other conditions of Tata AIG Wellsurance Woman Policy:

Entry age	18-65 years
Policy term	1 year
Policy type	Individual
Pre-existing waiting period	48 months

• Tata AIG Critical Illness Insurance Plan:

This is a fixed benefit critical illness policy which has the following features –

• The policy pays a lump sum benefit if the insured suffers from any of the covered critical illnesses
• The benefit paid can be used for medical treatments or for other financial obligations

Coverage benefits of Tata AIG Critical Illness Insurance Plan:

11 Critical illnesses are covered like – First heart attack of specified severity Major burns Cancer of specified severity Open chest CABG Total blindness Stroke which causes permanent symptoms Transplant of major organs or bone marrow Multiple Sclerosis which has persisting symptoms Permanent paralysis of limbs Coma of specified severity Renal failure which requires regular dialysis

Free medical second opinion in case of any covered critical illness

Plan parameters and other conditions of Tata AIG Critical Illness Insurance Plan:

Entry age	18-65 years
Policy term	1 year
Policy type	Individual
Survival period	30 days after diagnosis of the covered illness

TATA AIG MediCare Plus

TATA AIG MediCare Plus is a health companion on which you can always rely. Being a super top-up plan, MediCare Plus plan offers additional health benefits on top of your health insurance plan. In short, it boosts your existing health coverage policy. This plan provides an added advantage when you have maxed out the claims against your general health insurance policy. Medicare Plus by TATA AIG offers in-patient benefits. It covers the hospitalization expenses caused because of any injury, disease, or illness of the insured individual. Also, it covers all medical expenses during the hospitalization period of 24 hours or more.

Here are a few features of this plan:

1. In the case of the pre-hospitalization phase, the plan covers medical expenses up to 60 days from the day of admission to the hospital
2. For the post-hospitalization phase, covers medical expenses for a maximum of 90 days after being discharged from the hospital
3. It covers expenses for day-care treatments that are taken at any day-care centre or hospital during the active policy tenure because of illnesses, diseases, or injuries of the insured person
4. Besides, the plan also covers both surgical and medical expenses of the organ donor for easy harvesting of their organs to the insured individual
5. Medicare Plus covers medical expenses incurred for doing treatment at home, which would otherwise have needed hospitalization
6. In case of domiciliary hospitalization, pre and post-hospitalization expenses are also covered
7. This plan also covers the expenses associated with the dental treatment of the insured under anaesthesia caused because of any illness, injury, or disease
8. All medical expenses incurred for the treatment of Homeopathy, Unani, Ayurveda, or Siddha are covered in this top-up insurance plan
9. The expenses incurred during the transportation of the insured person through a registered ambulance during emergencies from one hospital to another to gain better medical treatment and facilities are also covered
10. The plan also provides you with a second opinion of a medical practitioner or network provider for the diagnosis of any illness in the policy period
11. Preventive health check-up expenses are offered up to 1% of the policy’s previous insured sum subject to a maximum of INR 10,000 for each policy
12. Cumulative bonuses are also available for the insured that reduce a lot of financial pressure off the individual.
13. Expenses incurred for specified consumables related to the insured person’s surgical or medical treatment are covered by the plan.
14. This top-up plan also reimburses medical expenses for only day-care hospitalization and in-patient outside India.
15. It has a huge network of healthcare centres, and cashless facilities are available at more than 7,200-partnered hospitals across India.
16. Tax benefits are also available under the policy
17. TATA AIG offers easy and simple insurance portability.
18. The insurance purchase facilitates paperless procedures and can be availed online from their official website.
19. Discounts are available for:
• Anyone who purchases the policy online
• 5% discount on a 2-year tenure and 10% discount on a 3-year term
• The family floater discounts are as follows:
1. A 20% discount is given when the policy is bought for only 2 members
2. A 28% discount is available when you buy the plan for 3 members
3. A 32% discount is available if you purchase the MediCare Plus plan for more than 3 members

Eligibility Criteria for TATA AIG MediCare Plus:

Waiting period for pre-existing disease:	36 months
Premium paying term:	Same as Base Policy
Type of Policy:	Super Top Up Policy

TATA AIG Arogya Sanjeevani

During any medical emergencies, health insurance financially protects your family to a great extent. TATA AIG Arogya Sanjeevani Health Insurance is a comprehensive yet simple plan that is designed while keeping in mind the rising medical costs. All basic medical needs are covered by this plan, along with financial help during emergencies. Some of the features of this insurance plan are given below.

1. The plan is a standard health insurance plan that offers a convenient way for you to manage your medical expenses
2. It provides a huge range of benefits and gives coverage associated with indemnity-based health insurance
3. Boarding, nursing, room rent is covered up to 2% of the sum insured or INR 5,000 per day
4. ICU and ICCU expenses are covered up to 5% of the sum insured or INR 10,000 per day
5. Pre-hospital medical costs and post-hospitalization medical expenses are covered in this plan up to 30 and 60 days respectively
6. The policy also covers all daycare procedures
7. Expenses on cataract treatment are covered up to INR 40,000 or 25% of the sum insured, whichever is less
8. The ambulance used for the insured member’s transport is indemnified up to INR 2,000
9. Three modes of premium payment are available for this policy. They are as follows:
• Half-yearly- You pay the premiums every 6 months
• Yearly- You pay once every year 
• Monthly- You pay your premiums every month
• Quarterly- You pay every three months
10. Depending on the individual’s claim, there will be no extra loadings
11. There is also the availability of tax benefits. The premium you pay for this policy is qualified for deduction of Income Tax under Section 80D of the Income Tax Act
12. The plan offers a life-long renewal for your policy, provided the premium is paid without any break
13. The plan offers a cumulative bonus. The insured sum, excluding the cumulative bonus, is increased by 5% in every year of the claim-free policy. However, the policy must be renewed without any break, subject to 50% of the insured sum
14. In case a claim is made in a particular year, the accrued cumulative bonus will get reduced at the same rate at which it had been accrued
15. The cashless facility extended by the insurer to the policyholder allows the insured to opt for payment from anywhere across the world
16. Migration facilities are also available for policyholders so that they can transfer the credit gained whenever required

Eligibility parameters for TATA AIG Arogya Sanjeevani:

Age	Between the age of 18 – 65 years Children between 3 months and 25 years can be covered
Policy Period	1 year
Sum Insured	INR 50,000 to INR 10 lakhs, in multiples of 50,000
Co-payment	● A co-payment doesn’t diminish the sum insured ● The policyholder will bear a particular percentage of the permissible claim amount ● 5% copay would be applicable on all claims
Waiting period for Pre-Existing Disease	24/ 48 months
Type of Policy	Individual Basis- The insured sum applies to every member of the family Family Floater Basis- The insured sum is applicable to the entire family

TATA AIG Corona Kavach

Health insurance is a must-have in the current COVID-19 pandemic situation. Corona Kavach by TATA AIG helps you to avail yourself of hassle-free medical treatment and handle emergencies with ease. The cases of COVID-19 are rising with each passing day, and no one is fully safe. Thus, this plan helps you to mitigate the expenses of quality and expensive healthcare treatments. So, some significant features of the plan are discussed below. 

TATA AIG Corona Kavach incurs all medical expenses that a person undergoes from being tested COVID-19 positive in a government-authorized hospital or testing centre to hospitalization that lasts for 24 hours or more. Let us take a look at the main features of this plan: 

1. Bed charges, room rent, ICU/ICCU expenses, and nursing fees are all covered promptly by the plan
2. It also covers the consultation fees for specialist surgeons, doctors, anaesthetists, and medical practitioners.
3. Expenses for oxygen, blood, ventilator, surgical appliances, operation theatre, and anaesthesia are all covered
4. Expenses regarding drugs and medicines can be mitigated with the help of this plan
5. Diagnostic imaging modalities, gloves, PPE kit, mask, and other diagnostics are all covered in the plan.
6. It also covers the costs incurred while transporting the insured person from one hospital to another under the recommendation of a medical expert. Expenses of the road ambulance service opted for COVID-19 emergency are covered up to INR 2,000 per hospitalization.
7. Expenses for undergoing doctor prescribed treatment at home for up to 14 days after a COVID-19 positive diagnosis at a government-authorized hospital or centre are covered by the Corona Kavach plan.
8. Expenses related to the advice of a medical practitioner for the patient’s treatment are covered by the plan.
9. Monitoring of charts with proper treatment records is maintained by the plan.
10. In-patient treatment expenditure under Yoga, Ayurveda, Naturopathy, Siddha, Unani, and Homeopathy right after the diagnosis of COVID-19 positive in a government-authorized diagnostic centre are covered by the plan.
11. This policy renders coverage of medical expenses incurred for pre-hospitalization for up to 15 days before hospital admission.
12. All medical expenses for 30 days after getting discharged from the hospital or completing home care of COVID-19 treatment are covered in this plan.
13. Corona Kavach plan comes with the add-on benefit of Hospital Allowance as well. It helps you to mitigate your day-to-day healthcare spends.
14. There is an availability of three discount plans for the COVID-19 Corona Kavach plan:
• 15% discount for 2 members
• 20% discount for 3 members
• 25% discount for more than 3 members
15. Healthcare workers are eligible for special premium rates that provide a 5% additional discount.

Eligibility Criteria of TATA AIG Corona Kavach:

Age	18 years old or more
Co-payment	Not applicable
Waiting period	15 days from the day you buy the policy
Policy Term	3 ½ months, 6 ½ months, 9 ½ months
Type of Policy	Individual and Family Floater Basis
Sum Insured	INR 50,000 to INR 5 lakhs

TATA AIG Corporate Health Insurance

Employees in a corporate sector need to be valued. Thus, the TATA AIG Corporate Health Insurance plan helps you to cover the health insurance of your employees at an affordable price. It is of great help when it comes to disability, unfortunate death, and hospitalization as well. Apart from offering low-cost premium rates, the main features of the plan are described below. The plan offers a convenient way of registering your claims and tracking your claim status anytime, anywhere. The flexibility offered by the plan allows you to make changes to your policy and update your contact details all by yourself.

Let us take a look at the main features of the plan:

1. The plan facilitates 24*7 worldwide coverage.
2. Based on the salary or category offered by the client to employees, the sum is insured.
3. Depending on the client’s requirements, they can tailor the policy based on their choices of benefits and combine it with the Accidental Death Benefit.
4. You primarily get to choose from two insurance plans:
• Group Personal Accident
1. The Group Personal Accident covers the following in the case of the family plan option:
2. Death because of uncertain accidents.
3. It provides coverage in case of dismemberment like loss of eyesight, libs, hearing, and more.
4. If an injury results in permanent disability.
5. If an injury leads to permanent partial disability.
6. In the case of loss of payment during a temporary time because of your accident.
7. It also covers both inpatient expenses and OPD.
8. It offers educational allowance, modification allowance, family transportation, and repatriation of remains.
• Group MultiGuard Personal Accident
1. The Group MultiGuard Personal Accident policy is solely for employees.
2. It renders double coverage in case of uncertain dismemberment or accidental death due to common carriers like trains, or buses, etc
3. This policy also offers a triple coverage on dismemberment or accidental death caused by natural disasters like floods, volcanic eruptions, and landslides.
4. You can earn regular cash benefits in the case of hospitalization due to an accident.
5. The coverage is given in 4 levels to provide better flexibility.
6. Group MultiGuard Personal Accident covers the following:
1. Accidental dismemberment and death caused by a common carrier up to INR 10,00,000
2. Accidental dismemberment and death caused by natural disasters up to INR 15,00,000
3. Accidental medical expenses up to INR 5,000
4. Accidental dismemberment and death benefit up to INR 5,00,000
5. Permanent total loss or disability up to INR 5,00,000
6. Accident hospital cost per day up to INR 1,000
7. Remains’ repatriation up to INR 5,000

Tata AIG Health Insurance Coverage exclusions

All the health insurance plans offered by TATA AIG offer unmatched coverage benefits. However, there are certain situations in which the plan does not provide coverage. These are called policy exclusions. Almost all health insurance plans of the company have some common coverage exclusions which include the following –

• Self-inflicted injuries attempted suicides or deliberate acts of harm to self
• Injuries sustained when you are under the influence of alcohol/drugs or when you are committing a criminal act
• Sexually transmitted diseases, HIV or AIDs infections and other venereal diseases
• Maternity expenses, childbirth and pregnancy unless these costs are specifically covered
• Expenses incurred on an outpatient basis unless they are expressly covered
• Treatments taken at a place which is not a hospital
• Experimental and unproven treatments
• Pre-existing illnesses would not be covered during the specified waiting period
• Any illness occurring within the first 30-60 days of buying the policy would not be covered. However, accidental injuries are covered from the first policy date
• Accidents and injuries due to war, nuclear threats or contamination, civil unrest, etc.
• Cosmetic treatments and procedures
• Mental disorders or psychiatric conditions and treatment
• Congenital disorders, etc.

The premium for TATA AIG Health Insurance Plans:

The premium for TATA AIG’s health insurance plans is calculated after taking into consideration a lot of factors. These factors either increase or decrease the premium rate. Let’s understand what these factors and how they affect the premium rate of TATA AIG’s health insurance policies –

How to buy TATA AIG’s health insurance plans?

There are various ways to buy TATA AIG’s health insurance plans. These ways include the following –

• Through an agent – you can meet with an agent of TATA AIG and then buy a plan from him/her as per your requirements.
• Through the company’s branch – instead of looking for an agent, you can visit the branches of the company which are located throughout India. At these branches, you can meet up with the executives of the company and buy a health insurance plan with their help.
• Over the phone – you can call the company’s toll-free number 1800 266 7780 and talk to the company’s customer care executive. The executive would help you buy the health insurance plan that you want to buy.
• Online – the online medium has developed and nowadays you can easily buy TATA AIG’s health insurance plans online. To buy the plan online, go to the website of the company, the steps are as follows –
• Visit the company’s home page https://www.tataaig.com/ and choose ‘Health’
• Enter the relevant details asked in the ‘Health’ section like your gender, area PIN code and the members that you are looking to cover
• Hit ‘Get Quote’ and you would be asked to provide your date of birth
• You would have to provide your contact details and any pre-existing illnesses if you have
• After all the details are entered, you can check the premium rates of the different health insurance policies offered by the company
• Choose the policy as per your coverage requirements, pay the premiums online and the policy would be issued.

If you choose to buy the policy online, there is another alternative way through Turtlemint. Turtlemint is an online website which offers you a range of health insurance solutions for your needs. On Turtlemint’s website, you can not only buy TATA AIG’s health insurance plans, but you can also compare the plans with other plans and then choose to buy the best policy. Thus, Turtlemint offers you an edge over buying a health insurance policy. The steps to buy are simple too. These include the following –

• Visit Turtlemint’s website at www.turtlemint.com and choose ‘Health’
• You would get three options from which you should choose ‘Buy new policy’
• In the following pages you would have to enter your details like your gender, members which you would like to cover, yours and your family members’ age, history of diseases, area PIN code, income and your contact details
• Based on the details that you have entered, you would be able to check the different policies available in the market
• The sum insured would also be recommended by Turtlemint and you can choose to increase or decrease the level as per your requirements
• You can choose add-ons and check the updated quotes of the policies which are displayed
• You can then choose the most suitable policy from the range of policies listed on Turtlemint’s platform and insure yourself and your family.

Documents required to buy a Tata AIG Health Insurance Policy

The following documents would be required when you are buying the policy for the first time –

• Identity proof
• Address proof
• Age proof
• Photograph
• Medical examination report (if required depending on your age and sum insured selected)
• Any other document as required by TATA AIG

How to renew TATA AIG’s Health Insurance plans?

Renewing TATA AIG’s health insurance plans is also as simple as buying the policy. You can renew the policy through an agent of the company, by visiting the branches of the company, over the telephone or online. Online renewals are easy, quick and simple and include the following steps –

• Visit the company’s website at www.tataaig.com
• Choose ‘Renew’ and then choose ‘Health’
• Enter your mobile number which is registered with TATA AIG and the policy number of your existing policy
• Once your existing policy details are provided, you can check the details and make any changes if you want
• The renewal premium would be shown which you should pay online and the policy would be renewed.

Turtlemint also allows you easy online renewals of your TATA AIG health insurance plans. For doing so you have to take some simple steps which are as follows –

• Visit Turtlemint’s website which is www.turtlemint.com
• Choose ‘Health’ and you would again get three options
• You can choose ‘Buy new policy’ or ‘Change insurer’ to renew with another insurance policy
• Then you would have to enter your personal details based on which the premiums for different policies would be shown
• You can compare the policies and then choose the one which offers the best coverage benefits at the lowest premium rates
• Pay the premiums online and you can get the policy issued instantly.

TATA AIG’s health insurance claims:

TATA AIG allows you to register your health insurance claims online on its website. Visit the website of the company and choose ‘Claims’. You can, then, register or track your claims and even download claim documents from the website. Once the claim is registered, the company would verify it, assess it and settle your claims.

Health insurance claims can be cashless or through reimbursement. If you want a cashless claim settlement you should take the following steps –

• Seek treatments in a hospital which is tied-up with TATA AIG. The list of tied-up hospitals can be checked on the company’s website or you can call the company’s customer care helpline and find out the networked hospitals in your area
• You need to fill and submit a pre-authorization claim form containing the details of your claim. This form is available at the hospital’s TPA desk and you should fill and submit it within the prescribed timeline. In case of emergency hospitalisation, the form is required to be submitted within 24 hours of hospitalisation. In case of planned hospitalisation, however, you should submit the form at least 3-4 days before being hospitalised
• Based on the pre-authorisation form, the company assesses and approves the claim
• Once the claim is approved, you can avail cashless treatments. The hospital bills would be directly settled by the company
• Once you are discharged, submit your medical bills, medical reports and Discharge summary in original to the insurance company with your claim form
• If, however, you take treatment at a non-networked hospital, you would have to bear the medical costs yourself. Later on, you can file your claim with the insurance company, submit all the relevant documents and you would get reimbursement of the expenses you paid.

There is another alternative way to handle your health insurance claims. You can contact Turtlemint and get your claims settled in an easier way. Turtlemint has an in-house dedicated claim settlement department which handles all customers’ claims. You simply have to inform Turtlemint through a phone call at its toll-free number 1800 266 0101 or drop an email at the company’s email ID claims@turtlemint.com. Once Turtlemint has been intimated, your claim would be handled by the company and you can relax. Turtlemint’s team would coordinate your claim with the health insurance company and help you get a settlement within the quickest possible time.

Documents required for making TATA AIG’s health insurance claims

The following documents would have to be submitted when raising a claim under TATA AIG’s health insurance plans –

• Claim form which should be duly filled in with all the relevant details
• Discharge Summary which is given by the hospital after you are discharged
• All original medical bills which show the costs incurred
• All original medical reports which show the proof of treatments taken
• Any other medical documentation related to the claim
• Identity proof of the insured member
• Health card issued by the company
• Police FIR if hospitalisation is due to an accident
• Any other documents if required by the insurance company

Once all the documents are submitted the claim would be settled at the earliest.