Your coverage amount depends on your lifestyle, medical background, pre-existing diseases, members of your family, annual income, residential address and age.
While applying for a health insurance plan with Tata AIG, the following documents will be required to be submitted as part of KYC (Know Your Customer) process.
No, the policy does not lapse, but continues to remain in force with a reduced sum insured (SI). After your claim is filed and settled, your insurance cover (SI) will be reduced by the claim amount that has already been settled to you. For example, if your policy was issued in January with a ₹5 lac coverage and if you claimed an amount of ₹2 lacs in July, then the balance SI of ₹3 lacs will be available to you between August-December during that policy year. There are some plans of Tata AIG which offer a Restore Benefit, which means that the SI gets restored back to the original SI after the claim is paid. SO in this same case, the SI available to the insured between August – December will be ₹5 lacs.
There is no upper limit on the number of claims during the policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured, unless the insured has the Sum Insured Restoration benefit as part of their plan coverage.
Review TATA AIG health insurance - MediSenior brochure to understand coverage details.
Review TATA AIG health insurance - MediSenior policy wordings which explains the terms and conditions.
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You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque
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Know more »In case of a claim or reimbursement of treatment expenses, notify Tata AIG by contacting them.
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