Tata AIG Health Insurance

Entry Age

Minimum is 18 years (91 days for children) and maximum is 65 years

Coverage Type

Individual and family floater

Sum Insured

1. Maximum is Rs. 10 lakh;
2. minimum is Rs. 2 lakh.
3. Sum Insured can be enhanced at the time of renewal (as per the underwriting guidelines of the company)

Policy Term

1 or 2 years

Pre & Post hospitalization

Avail 30 days before and 60 days after hospitalization

Ayush Benefit

Coverage for non- allopathic in-patient treatments like Ayurveda, Unani etc.

Tax Benefits

Premiums paid up to Rs. 15,000 (individuals) & Rs. 20,000 (senior citizens) are tax deductible under section 80D of the Income Tax Act

Benefits

1. Cash Benefit for accompanying on hospitalization of an insured child 
2. Coverage for non-allopathic in-patient treatments like Ayurvedic, Unani or Homeopathy 
3. Health check-up every 4 years of continuous renewal 
4. Bonus of 10% increase of annual Sum Assured every claim free year 
5. Sum Assured can be enhanced at the time of renewal 
6. Organ donor transplant expenses 
7. Emergency ambulance costs 
8. Option to migrate to similar Indemnity health insurance policy 

Exclusions

1. Pre-existing diseases will be covered after a waiting period of 48 months 
2. Treatment in the first 30 days from the commencement of the policy, except accidents 
3. Intentional self-injury, drugs abuse, alcohol addiction, obesity, maternity, psychiatric, congenital diseases and HIV/AIDS among others 

Entry Age

18 to 65 years. This policy can be bought as an add-on to basic health insurance

Policy Term

1 year

Tax Benefits

Get tax benefit for premium paid as per section 80D of the Income Tax Act

Benefits

1. Critical Illness benefits are available on diagnosis of specified ailments without hospitalisation of the insured. In case of hospitalisation, it can be converted into cashless claim facility. 
2. Hospitalisation benefits including major and minor surgeries as per the limits specified 
3. Hospital cash benefits are payable based on the number of days the insured is hospitalized. 
4. Convalescence benefit is paid in lumpsum after every continuous hospitalisation of 5 days 
5. Value added benefits include expert medical practitioners, personalized health tracker, exclusive wellness articles 
6. Discounts on select gyms, spas and weights management centers 
7. Discounts on select health check up packages at network hospitals 

Exclusions

1. First 90 days of hospitalisation 
2. Critical illness benefit not paid more than once 
3. Hospitalisation outside India 
4. Pre-existing diseases 
5. Spondylitis treatment 
6. Pregnancy and related conditions 
7. Diseases existing at birth (congenital) 
8. Non-allopathic treatments like Ayurveda, naturopathy or homeopathy 
9. War, invasion and people serving in military or armed forces 
10. Toxic or radioactive contamination 
11. Injuries due to dangerous activity 
12. Cosmetic surgeries 
13. Obesity related treatments 
14. Self-inflicted injuries 
15. Cost of spectacles, hearing aids, crutches, and wheelchairs among others 
16. Abuse of drugs, alcohol 
17. HIV / AIDS and related conditions 

Waiting Period

1. Survival period of 30 days for all critical ailment benefits 
2. 90 day waiting period for critical ailment benefits 
3. No waiting period for accident related hospitalization benefits 
4. 120 day waiting period for major surgeries 
5. Waiting period of 90 days for minor surgery benefits 

Entry Age

18 to 65 years

Type

Family floater plans

Payout Basis

1 year

Waiting Period

1. Waiting period of 90 days and survival period of 30 days for all critical ailment benefits 
2. Waiting period of 90 days for sickness related hospitalization benefits 
3. No waiting period for accident related ailments 

Exclusions

1. Critical illness benefit for each ailment is not paid more than once 
2. Critical illness benefits are not available for children covered under the policy 
3. All benefits are reduced by 50% for children covered in the policy 
4. Pre-existing conditions and related complications are excluded except in cases where the insured has been covered for four consecutive years since inception of the policy 
5. First 90 days for hospitalisation 
6. Hospitalisation outside India 
7. Spondylitis treatment 

Entry Age

The entry age for this policy is from 18 years to 65 years of age.

Type

Individual

Policy Period

1 year

Waiting Period

90 days(For all illnesses)

Ambulance charges

Up to Rs. 2,000 will be covered

Free-look period

15 days

Cashless hospitalisation

Over 3,000 hospitals

Benefits

1. You can get in touch with medical specialists over the phone for free. 
2. This policy can be bought online making it very convenient to purchase 
3. The sum insured can be increased at the time of renewing the policy. 

Exclusions

1. Injuries caused by acts of war or exposure to radiation and nuclear material. 
2. Attempted suicide or injuries inflicted upon oneself. 
3. HIV and AIDS 
4. Vaccinations, inoculations, any cosmetic procedure or elective surgery that you opt for. 
5. Illnesses or requirement of medical attention which results from substance abuse. 

Entry Age

18 years and 65 years

Type

Individual

Policy Period

1 year

Sum Insured

The sum insured can range from Rs. 2.5 lakhs to 15 lakhs

Free-look period

15 days

Grace period

30 days

Tax benefits

Under Section 80(D) of the Income Tax Act

Exclusions

1. Pre-existing conditions and resultant complications will not be covered. 
2. Exposure to radioactivity, nuclear material or toxic substances will not be covered. 
3. Complications arising from congenital conditions will not be covered. 
4. All illnesses that are not a part of this policy will not be covered. 
5. Self-inflicted injuries or STDs will also not be covered. 
6. Injuries or illnesses arising from HIV/AIDS or attempted suicide will not be covered. 

Entry Age

This policy can be taken by anyone between the ages of 18 years and 65 years.

Type

Individual or Family

Policy Period

1 year

Medicals

No medicals are required to take this policy

Sum Insured

The policy offers daily cash ranging from Rs. 500 a day to Rs. 25,000 per day.

Deductible

5% of the benefit amount is deductible when reimbursements are made under Accident Medical

Exclusions

1. Treatments conducted outside India will not be covered. 
2. Pre-existing conditions and complications that are a result of these conditions won't be covered. 
3. Conditions resulting from the abuse of substances like drugs and alcohol will not be covered. 
4. HIV/AIDS, STDs, nervous disorders, attempted suicide, etc. will also not be covered. 
5. Congenital diseases and resulting complications will not be covered under this policy. 
6. Injuries or sickness resulting from participation in extreme or dangerous sports will also not be covered. 

Benefits

1. The sum insured can be increased when the policy is renewed. 
2. The indemnity for accidents has no waiting period and is activated the moment the policy commences. 
3. Dependents covered by this policy get the option to migrate to other similar policies provided they have reached an exit age. 

Entry Age

91 days to 65 years. If dependent children are to be covered they, must be between the ages of 91 days and 21 years and unmarried.

Type

Individual & Family

Policy Period

1 year or 2 years

Discounts

You can get a 10% discount if you insure 2 or more family members. If you pay the premium for 2 years then you get a 7.5% discount.

Sum Insured

Rs. 5 lakhs

Coverage

1. Ambulance charges up to Rs. 2,000 will also be covered. 
2. Dental treatments, if necessitated by an accident or illness, will be covered. 
3. Pre-existing conditions will be covered after a waiting period of 4 years. 
4. Other specified illnesses will be covered after a waiting period of 2 years. 
5. Medical expenses incurred by you for organ donation will be covered along with expenses for harvesting the organ from the donor. 

Benefits

1. The policy offers tax benefits under section 80D of the IT Act for premiums paid. 
2. You can avail cashless treatment at over 3,000 network hospitals across India with this policy. 
3. If your children are between the ages of 91 days and 21 years and are unmarried then they too can be covered under this policy. 

Entry Age

61 years and above

Type

Individual or Family

Policy Period

1 year or 2 years

Medicals

Medicals will be required prior to taking the policy however, 50% of the cost of the medicals will be reimbursed.

Sum Insured

There are 3 options for the sum assured, Rs. 2 lakhs, Rs. 3 lakhs and Rs. 5 lakhs.

Discount

1. 7.5% if the premium is paid for 2 years. 
2. 5% discount is offered if 2 family members are insured under this policy. 
3. 5% cumulative discount is offered on premiums for every claim free year. 

Co-Payments

15% for all day care procedures

15% for shared rooms

30% for single rooms or rooms of a higher category

Coverage

1. In-patient expenses like ICU charges, operating theatre charges, medicines, nursing charges etc. will be covered. 
2. Pre-hospitalisation expenses for 30 days and post hospitalisation expenses of 60 days will be covered. 
3. The policy will cover over 140 day care procedures. 
4. Ambulance services up to Rs. 2,000 will be covered. 
5. Certain illnesses will be covered after a waiting period of 2 years 
6. Pre-existing conditions will be covered after a period of 4 years. 
7. Cover for accidental injuries will start the moment the policy comes in effect. 
8. Domiciliary treatment will be covered if you can't be moved to a hospital due to your condition or availability of beds at the hospital. 
9. In case you need an organ transplant then its cost and the cost to the donor for harvesting the organ will be covered. 

Benefits

1. This policy give you access to cashless treatment at over 3,000 hospitals. 
2. It comes with a grace period of 30 if the premium is not paid by the due date. 
3. It also comes with a free-look period of 15 days. 
4. Policyholders can migrate to other indemnity policies of Tata AIG at any time. 
5. The sum insured can be increased at the time of renewing the policy. 

Exclusions

1. Injuries or illnesses contracted while involved in illegal activities will not be covered. 
2. Injuries or illnesses contracted as a result of war, exposure to toxic material like radiation or nuclear material won't be covered. 
3. Treatment sought for weight loss will not be covered. 
4. If you require treatment as a result of substance abuse (drugs/alcohol) then you will not be covered. 
5. Expenses for screening of potential organ donors won't be covered. 
6. Cosmetic surgery won't be covered unless required because of injuries or illness. 

Entry Age

Adults between the ages of 18 years and 65 years can take this policy. In the case of dependent children, the entry age ranges from 91 days to 21 years.

Type

Individual or Family

Policy Period

1 year or 2 years

Medicals

Not required if you are taking the policy before the age of 55 years

Sum Insured

There are 3 choices for the sum insured, Rs. 50,000, Rs. 75,000 and Rs. 1 lakh.

Discount

7.5% if you are paying the premium for 2 years. 10% if 2 or more family members are covered by this policy.

Co-Payments

15% of every claim made under this policy

Coverage

1. In-patient expenses like ICU charges, room rent, medicine cost, nursing charges, etc. will be covered. 
2. Pre-hospitalisation expenses for 30 days and post-hospitalisation expenses for 60 days will be covered. 
3. In case of pre and post hospitalisation expenses the lesser of 1% of admissible claim or the actual expense will be paid. 
4. The policy will cover 144 day care procedures for which hospitalisation is for less than 24 hours. 
5. The policy will also cover the organ donor’s expense. 
6. At the end of 4 years the policy will offer 1% of the insured amount or a max of Rs. 1,000 towards medical check-ups. 
7. Pre-existing conditions will be covered after a period of 4 years. 
8. Specific illnesses will be covered after a waiting period 2 years. 

Benefits

1. The policy offers free medical check-ups when it is renewed. 
2. Premiums paid will be eligible for tax benefits under section 80D of the IT Act. 
3. If you are under the age of 55 years then you don't have to undergo medicals prior to taking this policy. 
4. The policy offers cashless treatment at network hospitals. 
5. The policy provides access to over 3,000 hospitals where cashless treatment can be availed. 

Exclusions

1. Injuries or illnesses that result from illegal activities won't be covered. 
2. Treatment for mental illnesses, Alzheimer's or Parkinson's disease won't be covered. 
3. HIV/AIDS and complications arising from them won't be covered. 
4. Treatment resulting from abuse of substances like drugs and alcohol won't be covered. 
5. Cosmetic surgery won't be covered unless required as a result of injury or illness. 
6. Experimental or unproven treatment won't be covered. 
7. Diagnostic procedures like x-rays and lab exams won't be covered. 

Daily Cash Benefit

Avail for injury, accidents and disease.

Hospitalization cash

180 days in case of accidents/ sickness.

Free look period

15 days

Grace period

30 days

Benefits

1. Changes/modification in the policy will be intimated to the policyholder 3 months prior. 
2. Option to migrate to similar health Insurance policy is available. 
3. The policyholder will be informed about the possible withdrawal of the policy 3 months prior to expiry of the policy. 
4. Accident medical expense repayment is available by using which you can get your daily medical bills reimbursed for accidental injuries with/without hospitalization. 
5. Enjoy coverage up to 100% for you and your spouse, and 50% for your children. 

Exclusions

1. War or wartime conditions. 
2. Intentional self-injury, suicide attempt (sane or insane), committing a breach of law. 
3. Participation in naval, military or air-force operation. 
4. Participation in dangerous sports like racing, scuba-diving, parachuting etc. 
5. Substance abuse including Alcohol, Drugs and smoking cessation programs. 
6. Weight control programs and treatments for obesity. 
7. Congenital conditions, psychiatric mental disorders, Parkinson’s, Alzheimer’s etc. 
8. Acquired Immune Deficiency Syndrome (AIDS) and similar sexually transmitted diseases. 
9. All conditions concerning pregnancy, maternity and birth. 
10. Treatment for infertility, sterility or similar treatments. 
11. Plastic or cosmetic surgery. 
12. Experimental, investigational and/or untested treatments. 
13. All preventive care, vaccination including inoculation and immunizations. 
14. Hospitalization charges that aren’t explicitly mentioned as being covered, including admission charges, discharge, administration, registration etc. 
15. Treatment rendered by a Medical Practitioner which is outside his discipline or the discipline for which he is licensed.