Overview of TATA AIG health Insurance

 

TATA AIG health insurance provides one of the most wide spread ranges of policies with an extensive range of 10 policies portfolio. The Tata healthcare services are one of the most renowned in the country. There is an extensive number of tata aig health insurance hospital list where these policies can easily be used.

 

Types of Health Insurance Policies Provided by TATA health Insurance:

 

  1. TATA AIG MediPrime Health Insurance
  2. TATA AIG Wellsurance Executive Insurance
  3. TATA AIG Wellsurance Family Insurance
  4. Tata AIG Wellsurance Woman Plan
  5. Tata AIG Critical Illness Policy
  6. Tata AIG Individual Accident and Sickness Hospital Cash
  7. TATA AIG Medi Plus Health Insurance
  8. Tata AIG MediSenior Plan
  9. Tata AIG MediRaksha Policy
  10. Tata AIG Group Accident and Sickness Hospital Cash Policy

 

The following table is a detailed tabular column of the plan details under the TATA AIG health insurance:

MediPrime Wellsurance executive Wellsurance Family Wellsurance Woman Critical Illness Policy Medi Plus Health Insurance MediSenior Plan MediRaksha Policy
Policy term >1 year >1 year >1 year >1 year >1 year >1 year > 1 year >1 year
Age 18 years and above 18 – 65 years 6 months – 65 years 18 – 65 years 18 – 65 years 91 days -65 years Above 61 years 91 days to 85 days
Plan Basis Family and individual Individual Family Individual – limited to women Family and individual Family and individual Family and individual Individual
Range of sum insured 2 lakh – 10 lakh Unique to policy document Unique to policy document Unique to policy Unique to policy Unique to policy 2 lakh – 5 lakh Rs.50,000 – 1 lakh
Premiums Dependant on age/sum insured/etc Dependant on age/sum insured/etc Dependant on age/sum insured/etc Dependant on age/sum insured/etc Dependant on age/sum insured/etc Dependant on age/sum insured/etc Dependant on age/sum insured/etc Dependant on age/sum insured/etc
Medical screening Only for 50 years and above Only for 50 years and above Only for 50 years and above Only for 50 years and above Only for 50 years and above Only for 50 years and above Only for 50 years and above Only for 50 years and above
Co-Payment None Dependant on policy document Dependant on policy document Dependant on policy document Dependant on policy document Dependant on policy document Dependant on policy document Dependant on policy document
Waiting period Approximate 30 days Dependant on policy document Dependant on policy document 90 days, however no waiting period in case of accident Dependant on policy document 30 days, 48 months for pre-existing disease 30 days 30 days
No Claim Bonus Available Available Available Available Available Available Available Available

 

Each policy under the TATA AIG health insurance is different from the other and has its own perks. Following are the unique features of each plan under the TATA AIG health insurance:

  1. MediPrime – Cashless TATA health insurance

 

  • It provides a coverage that is very comprehensive. It includes ICU, day care, domiciliary care, nursing, room and organ donor expenses
  • You can avail a tax benefit with this insurance plan
  • Lifetime renewal with cashless claim network
  • Regular health check-ups and TATA health care can be done for free
  • Covers charges for ambulance services
  • Additional check-ups and services such as dental procedures, vaccinations and treatments

 

Note: TATA AIG health insurance reviews claim that this is the most frequently opted Tata health insurance.

 

  1. Wellsurance executive Policy

 

  • A tax benefit can be availed with this insurance plan
  • It provides coverage for hospitalisation, pre and post-hospitalisation expenses, room, ICU and nursing charges
  • Charges for certain surgeries are covered under this plan as well
  • Almost 9 critical illnesses are covered under this plan
  • Ambulance services are covered
  • Daily cash benefit is provided
  • Benefits such as health portal, health queries, E-newsletters and discounted services will be provided

 

  1. Wellsurance Family Policy

 

  • A tax benefit can be availed with this insurance plan
  • Lifelong protection for the family or dependants
  • 11 critical illnesses are covered under this plan
  • It provides a coverage that is very comprehensive. It includes ICU, day care, domiciliary care, nursing, room and organ donor expenses
  • Benefits such as health portal, health queries, E-newsletters and discounted services will be provided

 

  1. Wellsurance Women Policy

 

  • A tax benefit can be availed with this insurance plan
  • Daily cash allowance will be provided
  • ICU and ICCU charges will be covered
  • Convalescence benefits and cosmetic surgery charges
  • A renewal of lifetime along with an enhancement of sum insured
  • It provides a coverage that is very comprehensive. It includes ICU, day care, domiciliary care, nursing, room and organ donor expenses

 

  1. Critical Illness policy

 

  • 11 critical illness is covered under this policy
  • Once diagnosis is complete, a lump sum amount is given
  • A tax benefit can be availed with this insurance plan
  • Cost for second opinion charges is covered

 

  1. MediPlus

 

  • It provides a coverage that is very comprehensive. It includes ambulance, nursing, medicines, day care expenses, ICU, day care, domiciliary care, nursing, room and organ donor expenses
  • A tax benefit can be availed with this insurance plan
  • This policy is for a lifelong tenure
  • Cashless claim network is available
  1. MediSenior

 

  • It provides a coverage that is very comprehensive. It includes ambulance, nursing, medicines, day care expenses, ICU, day care, domiciliary care, nursing, room and organ donor expenses
  • Cashless claim network is available
  • This policy is for a lifelong tenure
  • This policy is portable

Note: Under the TATA AIG health insurance reviews, this is one of the most convenient options to take up for senior citizens opting for a TATA AIG health insurance.

 

  1. MediRaksha

 

  • A tax benefit can be availed with this insurance plan
  • Premiums are affordable
  • It provides coverage for hospitalization, pre and post hospitalization charges and day care and TATA health care services