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About TATA AIG Health 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.

TATA AIG Claim Settlement Ratio




Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. TATA AIG has a claim settlement ratio of 96.43%, as compared to the industry average of 94.21%.

TATA AIG Health Insurance Plans

TATA AIG health insurance offers 10 health insurance plans. The premium of these plans starts from Rs. 714/yr. The sum insured ranges from Rs. 50,000 - 2 Cr. Details of the comprehensive coverage provided by the following 10 TATA AIG health insurance plans are listed below:

TATA AIG Arogya Sanjeevani

Starting Premium- ₹ 2,264/yr

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

Eligible Age

91 days - 65 years

PED Waiting Period

4 years


50,000 - 5 Lakh


50% increase in cover

TATA AIG Corona Kavach

Starting Premium- ₹ 714/yr

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

Eligible Age

18 years - 65 years

PED Waiting Period

15 days


50,000 - 5 Lakh



Tata AIG Critical Illness Insurance Plan

Starting Premium- ₹ 1,965/yr

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

  1. The policy pays a lump sum benefit if the insured suffers from any of the covered critical illnesses
  2. The benefit paid can be used for medical treatments or for other financial obligations
  3. First heart attack of specified severity

Coverage benefits of Tata AIG Critical Illness Insurance Plan

  1. 11 Critical illnesses are covered like
  2. First heart attack of specified severity
  3. Major burns
  4. Cancer of specified severity
  5. Open chest CABG
  6. Total blindness
  7. Stroke which causes permanent symptoms
  8. Transplant of major organs or bone marrow
  9. Multiple Sclerosis which has persisting symptoms
  10. Permanent paralysis of limbs
  11. Coma of specified severity
  12. Renal failure which requires regular dialysis
  13. Free medical second opinion in case of any covered critical illness

Eligible Age

18 years - 65 years

PED Waiting Period

4 years


5 Lakh - 2 Cr



Top Features From TATA AIG Health Plans

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

Exclusions Across TATA AIG Health Plans

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

  1. Self-inflicted injuries attempted suicides or deliberate acts of harm to self
  2. Injuries sustained when you are under the influence of alcohol/drugs or when you are committing a criminal act
  3. Sexually transmitted diseases, HIV or AIDs infections and other venereal diseases
  4. Maternity expenses, childbirth and pregnancy unless these costs are specifically covere
  5. Expenses incurred on an outpatient basis unless they are expressly covered
  6. Treatments taken at a place which is not a hospital
  7. Experimental and unproven treatments
  8. Pre-existing illnesses would not be covered during the specified waiting period
  9. 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
  10. Accidents and injuries due to war, nuclear threats or contamination, civil unrest, etc.
  11. Cosmetic treatments and procedures
  12. Mental disorders or psychiatric conditions and treatment
  13. Congenital disorders, etc.

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TATA AIG Customer Care

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TATA AIG Claim Process

TATA AIG supports both cashless claims and reimbursement claims. This section covers the information on how to check TATA AIG health insurance claim status, fill TATA AIG health insurance claim form, and the claim settlement process.

If you want a cashless claim settlement you should take the following steps

  1. 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
  2. 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
  3. Based on the pre-authorisation form, the company assesses and approves the claim
  4. Once the claim is approved, you can avail cashless treatments. The hospital bills would be directly settled by the company
  5. 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

  1. You would have to bear the medical costs yourself.Later on, you can file your claim with the insurance company
  2. 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. urtlemint 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

TATA AIG Health Insurance Renewal Process

Online Renewal Process for Tata AIG Health Insurance Policy

Renewing your TATA AIG Health Insurance policy online is a straightforward process. Follow these steps:

Step 1: Visit the Official Website: Navigate to the official Tata AIG website.

Step 2: Select Health Option: On the website, locate the 'Health' tab among the options and click on it.

Step 3: Choose Renew Option: Proceed with the 'Renew Existing Tata AIG Policy' option.

Step 4: Enter Required Details: After selecting the renewal option, input your 10-digit policy number.

Step 5: Click on Renew: Click 'Renew' to initiate the premium payment for your policy's renewal.

Step 6: Confirmation: Upon successful payment, an email confirmation will be sent, validating the renewal of your health insurance policy.

Offline Renewal Process for TATA AIG Health Insurance Policy

Alternatively,you have the option to renew your health insurance policy offline by dialing the toll-free number of Tata AIG at 1800-266-7780 and detailing your specific renewal requirements.

Another way is by visiting the nearest Tata AIG branch to initiate your policy renewal.

You can also renew your TATA AIG Health Plan with the help of Turtlemint and our expert insurance advisors. For instant policy renewal, visit www.turtlemint.com or renew your policy by downloading the Turtlemint App here.


Yes, the co-payment clause is applicable in certain health insurance plans offered by TATA AIG. Under this clause, a percentage of the health insurance claim would be paid by you and the remaining claim would be settled by the insurance company

Daycare treatments are those which do not require hospitalisation of 24 hours or more. These treatments take a few hours after which you can be discharged because of the advanced medical techniques which are now practised. Daycare treatments are covered under all health insurance plans

Top-up plans have a concept of deductible up to which no claims are admissible. As soon as any claim exceeds the deductible limit, the excess is then covered under top-up health insurance plans. For instance, suppose, a top-up plan is bought with a sum insured of INR 5 lakhs and a deductible of INR 2 lakhs. A claim of INR 1.9 lakhs would not be covered by the plan because it is below the deductible limit. However, if the claim is for INR 201,000, the excess of INR 1000 would be covered under the top-up plan. Thus, top-up plans cover only those claims which exceed the deductible limit

Yes, the premiums paid for health insurance plans have tax-saving benefits. The premiums are allowed as a deduction under Section 80D. You can claim a maximum deduction of up to INR 25,000 on the premium you pay for your health insurance. However, for a senior citizen, the 80D limit is INR 50,000 per annum

So, if you buy a separate plan for your senior citizen dependent parents and pay their premiums, you are eligible for an additional income tax deduction of INR 50,000. Thus, you can claim a deduction of up to INR 50,000 on the premiums you pay for yourself and your family and another INR 50,000 for premiums paid for your dependent parents. This brings the total deduction to up to INR 1 lakh

Usually, family floater health insurance plans allow coverage only for a spouse, dependent children and dependent parents. However, there are some family floater health plans which allow extended relations to also be covered under the policy. Under such health plans, you can get coverage for your dependent siblings.

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