TATA AIG Group Health Insurance Policy – Coverages, Features, Benefits, Exclusions, Claim Process, Eligibility Criteria, Quotes | Buy & Renew Online

What is TATA AIG Group Health Insurance Policy?

TATA AIG Group Health Insurance Policy provides comprehensive Health Insurance Coverage for medical expenses incurred by employees and their family members during the Policy Period. The Policy provides coverage for Hospitalisation Expenses, Pre and Post-Hospitalisation Expenses and Daycare Procedures. A Group Health Insurance Policy insures a group of employees under a common Health Insurance Plan thereby making it more affordable than Individual Health Insurance Plans.

About TATA AIG General Insurance Company

TATA AIG General Insurance Company is a leading General Insurance Company in India. The Company was incorporated on 22 January 2001 as a Joint Venture between the Tata Group and AIG. Tata AIG offers a range of insurance products such as Group Health Insurance, Motor Insurance, Fire Insurance, Cyber Insurance, Marine Insurance, Liability Insurance etc.

What does TATA AIG Group Health Insurance Policy cover?

TATA AIG Group Health Insurance Policy provides the following coverages:

1. Coverage for Hospitalisation Expenses

TATA AIG Group Health Insurance Policy provides coverage for hospitalisation expenses including Room Rent, Doctor’s Fees, Nursing Charges, Pharmacy Bills, Surgery Charges, and other medical expenses incurred.

2. Coverage for Pre and Post-Hospitalisation Expenses

In addition to Hospitalization Expenses, TATA AIG Group Health Insurance Policy also provides coverage for Pre and Post-Hospitalisation Expenses incurred before admission and after discharge from a hospital. TATA AIG Group Health Insurance Policy provides coverage for Pre and Post-Hospitalisation Expenses usually for a period of 30 days and 60 Days respectively.

3. Coverage for Day Care Procedures

Daycare Procedures are medical treatments or surgeries that do not require a 24-hour hospital stay due to technological advancement. TATA AIG Group Health Insurance Policy covers a wide range of daycare procedures like Cataract Surgery, Chemotherapy, Dialysis, and Minor Surgical Interventions that do not require hospitalization.

4. Maternity Benefits

TATA AIG Group Medical Insurance Policy provides coverage for maternity expenses including Normal and C-Section Delivery Expenses and also provides a New-Born Baby Cover without any waiting period. This is very helpful for female employees as well as spouses of male employees as maternity expenses.

What are the Major Exclusions in TATA AIG Group Health Insurance Policy?

The major exclusions in TATA AIG Group Health Insurance Policy are as follows:

1. TATA AIG Group Health Insurance Policy does not cover treatments availed outside India
2. Change of gender treatments or cosmetic surgeries/procedures are not covered by the Policy
3. TATA GIG GMC Policy does not cover any expenses related to admission for enforced bed rest and not for receiving treatment.
4. Expenses relating to treatment of obesity or treatment for weight control are not covered unless the conditions mentioned in the policy are covered
5. Expenses incurred for any treatment required due to injuries caused by participation in hazardous or adventure sports as a professional are not covered by TATA AIG Group Health Insurance Policy
6. Expenses incurred for admission mainly for investigation or diagnostic purposes are excluded under the Group Health Insurance Policy
7. Treatment for Alcoholism, drug or substance abuse or any addictive condition are excluded from Coverage under TATA AIG Group Health Insurance Policy

What are the features of TATA AIG Group Health Insurance Policy?

The features of Tata AIG Group Health Insurance Policy are as follows:

Comprehensive Coverage

TATA AIG Group Mediclaim Policy covers a wide range of medical expenses Inpatient Expenses, Pre and Post-Hospitalisation Expenses, OPD Expenses, Daycare Procedures, Domiciliary Hospitalisation Expenses etc. The features of Tata AIG Group Health Insurance Policy can be customised based on the budget and requirements of the employer and employee.

No Room Rent Limit

TATA AIG Group Health Insurance Policy provides coverage for hospitalisation expenses without any Room Rent Capping. This means that the Insured Employee can choose any room without fear of any deduction in medical expenses. This is a big benefit of Tata AIG Group Health Insurance Policy

Coverage for Pre-Existing Diseases

Pre-Existing Disease is ailment or disease which is diagnosed by a Medical Practitioner before purchasing the Group Health Insurance Policy. TATA AIG Group Health Insurance Policy covers Pre-Existing diseases without any waiting period while Individual Health Insurance Policy have a Waiting Period of 2 to 4 years. This is a big benefit of Group Health Insurance Policy.

Coverage for Family Members

Tata AIG Group Health Insurance Policy provides coverage to employees and their family members of employees, including their Spouse, Children, Parents, and Parents-In-Law. This ensures that the complete family is covered under the Group Health Insurance Plan which is a big support for the employee.

Tax Benefits

The Premiums Paid towards TATA AIG Health Insurance Policy for are a tax-deductible expense for Employers. The Tax Benefits of a Group Health Insurance Policy make it an attractive option to provide employee benefits for employers.

Co-Payment

TATA AIG Group Health Insurance Policy provide coverage without any Co-Payment Clause. This means that the Insured does not have to bear a certain percentage of the Claim Amount from his own pocket, which is again a big benefit.

Cashless Claims Settlement

TATA AIG Group Health Insurance Policy offers Cashless Claim Settlement facilities across a network of more than 11,000 network hospitals across India. The Insured Person can avail cashless claim settlement by showing their health card at the network hospital. As a result, the Insured Employee does not have to pay any money out of his own pocket and the claim is directly settled by TATA AIG with the Hospital.

You can view the list of TATA AIG Health network hospitals at this Link: https://www.tataaig.com/locator/cashless-network-hospitals

What are the Benefits of TATA AIG Group Health Insurance Policy?

TATA AIG Group Health Insurance Policy provides benefits for both Employers and Employees as follows:

Benefits of TATA AIG Group Health Insurance Policy for Employers

1. Employee Satisfaction: Employees with comprehensive Health Insurance Coverage often have higher satisfaction as they are aware that their medical expenses are covered. A well-motivated workforce boosts employee productivity and thus is beneficial to the organisation.
2. Attractive Recruitment Tool: Health Insurance Coverage is a crucial factor which employees seek before accepting a job. Providing Group Health Insurance Coverage can be a excellent way of attracting and retaining talented employees.
3. Affordable: TATA AIG Group Health Insurance Policy is affordable and the premiums are lesser than Individual Health Insurance Policies. Thus, employers can offer insurance coverage at much more reasonable prices.

Benefits of TATA AIG Group Health Insurance Policy for Employees

1. No Waiting Periods for Pre-Existing Diseases: TATA AIG Group Health Insurance Policy offers coverage for Pre-Existing Diseases from Day 1. This is a big benefit as a regular Health Insurance Policy has a Waiting Period of 2 to 4 years before they offer coverage for Pre-Existing Diseases.
2. Cashless Hospitalization: The Policy offers cashless hospitalisation facilities across a network of more than 11,000 hospitals across India. This means that the Insured Employee can avail cashless treatment across all major hospitals in India and does not have to worry about arranging cash for hospitalization expenses.
3. No Need for Medical Check-Up: Individual Health Insurance Policies require all people over 50 years of age to undergo a medical check-up before they can avail a Health Insurance Policy. In many cases, the Insurance Company rejects Health Insurance Coverage for people with Pre-Existing Diseases. However, there are no such restrictions of a compulsory medical check-up under TATA AIG Group Health Insurance Policies.

What is the Claim Process for TATA AIG Group Health Insurance Policy?

The Policyholder can file a Claim in 2 ways under TATA AIG Group Health Insurance Policy:

1. Reimbursement Claim
2. Cashless Claim

What is the Reimbursement Claims Process for TATA AIG Group Health Insurance Policy?

1. Intimate the Claim to the TATA AIG General Insurance Company. The Company will provide a Claim Intimation Number to Track the Claim Status.
2. Make the payment to the hospital for the medical expenses incurred and submit original copies of all the Bills, Reports and other documents to the Insurance Company
3. TATA AIG examines the relevant documents and then approves or rejects the Insurance Claim.

What are the documents Required for a Reimbursement Claim under a Group Health Insurance Policy?

The Insured needs to submit the following documents to TATA AIG to avail Reimbursement Claim Settlement under the Policy:

1. Photo ID, E-Card and Address Proof of the Insured Person
2. Duly Filled and Signed Claim Form
3. Diagnostic Reports
4. Prescriptions and Pharmacy Bills
5. Pre and Post-Hospitalisation Bills
6. Final Hospital Bills
7. Discharge Card

What is the Cashless Claims Process under TATA AIG Group Health Insurance Policy?

In case of cashless Claims Settlement, TATA AIG issues a Health Card to all the Insured Employees. The employee just needs to show the E-Card at any of the Network Hospitals and he will be able to avail Cashless Claim Settlement. The employee does not have to bear any of hospitalisation expenses in case of a Cashless Claim as the Insurance Company settles the bill directly with the hospital.

What is the Eligibility Criteria for TATA AIG Group Health Insurance Policy?

Usually, Employers purchase TATA AIG Group Health Insurance Policy for Employees. However, other non-employee groups like customers of a bank, members of a club or a professional association can also purchase the Group Health Insurance Policy. TATA AIG requires a minimum of 25 employees for a Group Health Insurance Policy

How to purchase a TATA AIG Group Health Insurance Policy with Qian?

Qian is a licensed Group Health Insurance Broker and can assist you in purchasing a comprehensive Group Health Insurance Policy for Employees. Employers need to follow the below-mentioned steps to purchase a TATA AIG Group Health Insurance Policy for employees:

1. Contact Qian: If you wish to purchase a TATA AIG Group Health Insurance Policy, contact the Group Health Insurance Team at Qian by mailing them at insurance@qian.co.in. Provide them with the employee data such as employee name, date of birth and gender.
2. Finalise Coverage and Quote: The next step is to finalise Policy Coverage based on the budget and requirements. The team at Qian will provide you with quotes from top Group Health Insurance Companies so that you can finalise the Policy
3. Onboard Employees: After purchasing TATA AIG Group Health Insurance Policy, the team at Qian will assist you with the onboarding process for employees, share E-Cards and also assist you with the entire Claims Process in Group Health Insurance Policy.

How to renew a TATA AIG Group Health Insurance Policy with Qian?

If you are interested in renewing your TATA AIG Group Health Insurance Policy, you can contact Qian via email at insurance@qian.co.in and follow the below mentioned steps:

1. Provide Qian with employee data such as employee name, date of birth and gender. Additionally provide the Expiring Policy Copy as well as the Claims MIS
2. The Team at Qian will provide you with Group Health Insurance Coverages and Quotes from multiple Insurance Companies. You can select one which best suits your requirements in terms of coverages and budget.

Is Medical Check-up Required Before Buying TATA AIG Group Health Insurance Policy?

TATA AIG Group Health Insurance Policy does not require pre-medical check-up for any of the Insured Employees. This is a big advantage of TATA AIG Group Health Insurance Policy.

Download TATA AIG Group Health Insurance Policy Wordings

TATA AIG Group Health Insurance Policy Wordings can be downloaded at the following link:

TATA AIG Group Health Insurance Policy Wordings

Buy TATA AIG Group Health Insurance Policy with Qian!

TATA AIG Group Health Insurance Policy offers comprehensive coverage at reasonable premiums. At Qian, we customize the features of Group Health Insurance Policy as per the needs and the budgets of the employer and also assist in providing a hassle-free claim settlement process. If you wish to purchase a Group Mediclaim Policy for employees, you can email us at insurance@qian.co.in or call us on 022-35134695. We would be glad to assist you