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TATA AIG Health Insurance Plans Overview

TATA AIG health insurance offers 1 health insurance plan. The premium of these plans starts from Rs. 1965/yr. The sum insured ranges from Rs. 5 Lakh - 2 Cr. Details of the comprehensive coverage provided by the following 1 TATA AIG health insurance plan is listed below:

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

Coverage

5 Lakh - 2 Cr

NCB

NA

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FAQs

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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