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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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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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