Tata Aig General Insurance

Key Features

Claim Settlement Ratio 94.21%

Claim Settlement Facility 100%

Network Hospitals 7200

Renewability 100%

COVID-19 Cover Yes

Incurred Claim Ratio 60.68%

TATA AIG Health insurance plans


The minimum entry age under the plan is 91 days with policy tenure options of 1/2/3 years. The policy covers up to 7 members including self, spouse, up to 3 dependent children and up to 2 parents/ parents-in-law.

Medical checkup

The policy doesn't require any medical checkups for applicants having less than 45 years of age and Tele- medical examination report for applicants more than 46 years of age.

Sum Insured

The minimum and maximum sum insured under the policy is Rs. 3 lakhs and Rs. 20 lakhs.

Day care procedures

TATA AIG health insurance plan covers more than 540 day care treatment procedures due to illness or disease during the policy period.

Consumables Benefit

The policy covers expenses incurred for specific consumables which are consumed during the hospitalization directly related to the insured person’s medical treatment. The consumables such as gloves etc would be covered under the health insurance plan.

Vaccination cover

The policy covers the expenses incurred to HPV & Hepatitis-B vaccine after 2 years of continuous coverage whereas there is no waiting period for Anti-rabies vaccine and typhoid vaccine.

Compassionate travel

The policy covers the expenses up to Rs.20,000 related to a round trip economy class air ticket allowing the immediate family member to be at the insured person’s stay in the hospital. This benefit shall be payable only if the claim is admissible under the in-patient hospitalization.

Accidental death rider

TATA AIG health insurance policy provides compensation of 100% of the sum insured in the event of the death of the insured person due to an accident. This benefit is not applicable for dependent children covered under the policy.

Emergency air ambulance

The policy covers the expenses incurred by the insured towards transportation by airplane or helicopter for emergency life threatening conditions requiring immediate ambulance transportation to the hospital.

OPD Dental treatment

The policy covers the OPD dental expenses up to Rs.10,000 related to root canal filling, tooth extractions. This sum insured is over and above the basic sum insured mentioned under the policy. Customers availing this benefit does not affect the cumulative bonus accumulated under the policy.

High end diagnostics

The policy covers the insured customers for listed diagnostic tests on OPD basis if required as a part of the treatment subject to Rs.25,000 per policy year.

Maternity Cover

The policy covers the maternity expenses incurred by the insured up to Rs.50,000 ( in case of girl child this amount would be Rs.60,000) per policy. There is no limit on the number of delivery events under this policy.