TATA AIG Group Accident & Sickness Hospital Cash Policy

Tata AIG General Insurance Company Limited Group Accident and Sickness Hospital Cash is a perfect supplement to the group health insurance policy and can be taken along with any other health insurance schemes.
  • Entry age is 6 months up to 65 years.
  • No medical check up required.
  • Coverage available from Rs. 500 a day to Rs. 25,000 per day.
  • We offer life-long renewal subject to application for renewal.
  • The policy will be issued for a period 1 year.
ENQUIRE NOW!

TATA AIG Health Insurance Review

Sum Insured
3 lacs − 20 lacs options available
Tenure Options
1, 2 or 3 years options available
Claims Incurred Ratio *
78.00%
Claims Settlement Ratio **
80.61%
List of Network Hospitals
4,000+ hospitals
Number of Policies issued *
220,583
Number of Lives Covered *
2,248,000
Maximum Family Floater Coverage
Self, Spouse + 3 dependent children + 2 dependent parents
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Request a Call Back

Name is required
Email is required
Contact is required
Thank you for contacting us

TATA AIG Group Accident & Sickness Hospital Cash policy plan details

  • Features
  • Benefits
  • Exclusions

Key features of Group Accident & Sickness Hospital Cash policy

  • A Daily benefit for Accident & Sickness hospitalization.
  • No Pre-policy check up required.
  • Hospitalisation Cash upto 180 days in case of Accidents or Sickness
  • Tax Benefits-Get tax benefits for premium paid on policies as per section 80D of the Income Tax Act. Tax benefits are subject to changes in tax laws.
  • Flexibility in choosing options-5 different levels.
  • We offer life-long renewal subject to application for renewal
  • 15 days Free Look period (For the new business only)
  • 30 days Grace Period (For renewals only).
  • Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal .
  • Changes will be notified to the policyholders 3 months in advance in case of revision /modification in approved product.

Benefits of TATA AIG Group Accident & Sickness Hospital Cash policy

  • In-hospital Indemnity For Accidents – Pays for Daily Benefit for each Day for Inpatient Hospitalisation due to Illness ,Disease or Sickness.
  • In-hospital Indemnity For Sickness - Pays for Daily Benefit for each Day for Inpatient Hospitalisation due to Injury or Accident.
  • Accident Medical Expense Reimbursement – We will pay the Reasonable and Customary Charges, subject to the Deductible shown in the Policy Schedule, for
  • Covered Medical Expenses that occurs within the Republic of India for medical services which are not due to a Pre-existing Condition up to the maximum amount and benefit period stated in the Policy Schedule for the treatment of an Injury sustained by you.
  • 1 day deductible and 90 days waiting period for under Hospital Indemnity for Sickness
  • Deductible of 5% of benefit amount under Accident Medical expense reimbursement
  • Coverage will be 100% of the Coverage amount in case of Insured and Spouse, 50% in case of each child

Exclusions of TATA AIG Group Accident & Sickness Hospital Cash Policy

  • Pre-existing Condition, any complication arising from it
  • Intentionally self-inflicted Injury or illness;
  • Conditions related to or arising out of HIV;
  • AIDS; War; Congenital anomalies;
  • participation in an actual or attempted felony, riot, crime, misdemeanor, (excluding traffic violations) or civil commotion
  • operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft; or Scheduled Aircraft.
  • any loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any Act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss
  • the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act
  • ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel
  • the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment
  • congenital anomalies or any complications or conditions arising therefrom
  • participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sport, any bodily contact sport or any other hazardous or potentially dangerous sport for which you are trained or untrained
  • any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy.
  • for any loss of which a contributing cause was Your actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or Your resistance to arrest
  • if You are admitted to a Hospital within 90 days immediately following the Effective Date of Coverage stated in the Schedule, unless hospitalization is caused by Injury
  • If You are admitted to a Hospital during the first 3 months immediately following the Policy Effective Date as a result of cataract(s), benign prostatic hypertrophy, hysterectomy for menorrhagia or fibromyoma, hernia, hydrocele, fistula in anus, piles, sinusits and related disorders

Tata AIG health insurance claims

Claim related information:

For any claim related query, intimation of claim and submission of claim related documents, you can contact Your TPA through:
  • Name of TPA : Family Health Plan Insurance TPA Ltd (FHPL)
  • Website : www.fhpl.net
  • Email
  • Toll Free
    • 1800-425-4033
    • 040- 23552899 (for Senior Citizens)
  • Fax : +91-40-23541400
  • Submit claim
    • Claims Department, Family Health Plan Insurance (TPA) Ltd, Srinilaya – Cyber Spazio Suite # 101,102,109 & 110, Ground Floor, Road No. 2, Banjara Hills, Hyderabad, 500 034.

Procedure for Reimbursement of medical expenses

  • The TPA (Third Party Administrator) must be informed no later than 7 days of completion of such treatment, consultation or procedure using the Claim Intimation Form.
  • Please send the duly signed claim form and all the information/documents mentioned therein to your designated TPA within 15 days of the occurrence of the Incident. Please refer to claim form for complete documentation.
  • If there is any deficiency in the documents/information submitted by the insured, the TPA will send the deficiency letter within 7 days of receipt of the claim documents.
  • On receipt of the complete set of claim documents, Tata AIG will send the payment for the admissible amount, along with a settlement statement within 30 days.
  • The payment will be sent in the name of the proposer.
(Note: Payment will only be made for items covered under your policy and upto the limits therein.)

Procedure to avail cashless treatment

  • For any emergency Hospitalisation, the designated TPA must be informed no later than 24 hours after hospitalization.
  • For any planned hospitalization, kindly seek cashless authorization from the designated TPA atleast 48 hours prior to the hospitalization.
  • TPA will check your coverage as per the eligibility and send an authorization letter to the provider. In case there is any deficiency in the documents sent, the same shall be communicated to the hospital within 6 hours of receipt of documents.
  • Please pay the non-medical and expenses not covered to the hospital prior to the discharge.
  • In case the ailment /treatment is not covered under the policy a rejection letter would be sent to the provider within 6 hours.
(Note: n Insured person is entitled for cashless coverage only in our empanelled hospitals.)

Grievance redressal procedure

Tata AIG is committed to extend the best possible services to the insured. However, if you are not satisfied with our services and wish to lodge a complaint, please call our 24X7 Toll free number 1800266-7780 or 022-66939500 (toll number) or 1800 22 9966 (For Senior Citizens) or you may email to the customer service desk at customersupport@tataaig.com.
After examining the issue and subsequent closure, Tata AIG will send our response within 10 days from the date of receipt of the complaint by them. In case the resolution is likely to take a longer time, we will inform you of the same through an interim reply.
Escalation level 1
In case you do not receive a resolution within 10 days or if the resolution still does not meet your expectations, you can write to manager.customersupport@tataaig.com . After analysing the matter internally and subsequent closure, we will send our response within a period of 8 days from the date of receipt at this email id.
Escalation level 2
In case you do not receive a resolution within 8 days or if the resolution still does not meet your expectations, you can write to Head - Customer Services at head.customerservices@tataaig.com . After examining the matter, we will send you our final response within 7 days from the date of receipt of your complaint on this email id.
TATA AIG health insurance
Compare health insurance quotes - Find the best TATA AIG health insurance
Call Agent: 080-4110 1026

Search TATA AIG health insurance

Welcome to NRIOL Indian Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required
logo

NRIOL.COM, the premier online community since 1997 for the Non Resident Indians. NRIOL provides a range of resourceful services for immigrants and visitors in the US, the UK, UAE, Australia and other nations with large NRI communities.

CONTACT

NRI Online Pvt. Ltd.

Phone: +91-80-41101026

Email:

Estd. 1997 © Copyright NRI Online Pvt. Ltd. All rights reserved worldwide.