TATA AIG Health Insurance & Coverage Benefits

Evaluate your medical history, ongoing health conditions, and family healthcare requirements to determine the level of protection necessary for your circumstances.

Select a coverage amount sufficient to handle major hospitalisation and medical expenses in your city, ensuring financial security during emergencies or critical treatments.

Review features like room rent limits, day-care procedures, pre- and post-hospitalisation coverage, and the size of the cashless hospital network to find the most suitable plan.

Understand waiting periods for pre-existing conditions and check which illnesses, procedures, or treatments are excluded from the policy to avoid claim surprises.

Consider optional riders such as critical illness, maternity, or personal accident coverage if they align with your health requirements and enhance overall protection.

Choose a health insurance provider with a strong claim settlement record, efficient customer support, and a reliable reputation for seamless claim processing during emergencies.

Most illnesses (excluding accidents) are subject to a 30‑day waiting period from policy inception. Claims for illness-based hospitalisation cannot be filed during this period.

Pre‑existing conditions disclosed at policy purchase become eligible for coverage only after a 3‑year waiting period under standard health plans.

Certain listed diseases or procedures — for example hernia, ENT issues, or other specified illnesses — have a waiting period, typically around 2 years before they become claimable.

For plan variants that include maternity and newborn cover, there is generally a 4‑year waiting period before you can claim maternity or childbirth-related expenses.

If your policy includes optional covers like OPD, dental, or specialised benefits, these may also come with their own waiting periods, often 24–48 months.

Covers diabetes-related hospitalisation, complications, and treatment costs once the pre-existing disease waiting period is completed. Includes monitoring, medication, and emergency care when medically required.

Hospitalisation, tests, and treatments for high blood pressure complications are covered after the mandatory waiting period. Claims apply for medically necessary procedures and doctor-advised therapies.

Both hyperthyroidism and hypothyroidism are covered after the waiting period. Includes consultations, diagnostics, medicines, and hospitalisation when symptoms worsen or complications arise.

Asthma attacks, emergency care, and long-term treatment are covered post-waiting period. Plans include hospitalisation, nebulisation, and monitoring for chronic or severe cases.

Stable heart conditions, including controlled angina, arrhythmia, or valve issues, are covered after the waiting period. Includes hospitalisation, procedures, and diagnostic tests when medically required.

Treatment for high cholesterol and related complications is covered after the PED waiting period. Includes investigations, medications, and hospitalisation for associated conditions.

Health issues caused by obesity—like sleep apnea, knee problems, or metabolic complications—are covered post-waiting period when medically necessary and supported by doctor-prescribed treatment.

Long-term respiratory conditions such as COPD or chronic bronchitis are covered after the waiting period. Includes hospitalisation, oxygen therapy, and specialist evaluations.

Chronic joint diseases such as osteoarthritis or rheumatoid arthritis are covered after the PED period. Includes surgeries, pain management, and related investigations.

Chronic kidney issues that are stable are covered after the waiting period. Includes hospital admission, dialysis (if included), and doctor-advised treatment protocols.