TATA AIG Health Insurance Plans for 2024 | TATA AIG Medical Insurance Review in Hindi
In today's video, we will talk about Tata AIG Health Insurance.
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In our last video, we learned about the Kotak Health Care Plan
and also understood how important it is to have health care insurance in your life.
In Tata AIG Health Insurance,
if you take the 5 lakhs insurance plan,
you will get a premium of Rs. 662.
There is also an advantage of cashless hospitals.
Tata AIG has 7000 plus network hospitals.
In this plan, expenses before 60 days of hospitalization
and expenses after hospitalization of 90 days,
which includes doctor's fees, consultancy charges and medication charges.
Talking about room expenses,
in Tata AIG, you can select any room according to your convenience,
whether it is a single room or a sharing room.
The advantage of selecting a sharing room is that your premiums can be reduced.
COVID-19 is also included in this plan.
No matter what variant you have, everything is included in this plan.
Now let's talk about the restoration benefit.
Let's understand the restoration benefit with an example.
For example, if 5 people are included in my policy,
where the sum assured is Rs. 5 lakhs.
If someone in my family falls ill and their expenses become Rs. 4 lakhs,
and another person falls ill and their expenses are Rs. 3 lakhs,
then in the restoration benefit,
my family can bear an extra expense of Rs. 5 lakhs plus Rs. 1 lakh.
But if both the members of the family have the same illness,
then some companies do not give you an additional claim.
In the case of Tata AIG,
no restoration claim will be given on the related illness.
Instead, through our example,
you will have to bear an additional expense of Rs. 1 lakh.
But remember, this is applicable only on related illnesses.
If you have any pre-existing diseases,
then you can claim their related expenses only after 3 years of taking the policy.
Here, you will not get any kind of maternity benefit.
Now let's talk about the claim settlement ratio.
Claim settlement ratio means
how many claims the company has passed out of 100 claims.
In Tata AIG, the claim settlement ratio is 94.21%, which is very good.
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