Tata AIG Health Insurance Riders

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      Tata AIG Health Insurance Riders

      Tata AIG Health Insurance riders expand the coverage level of a Tata AIG medical insurance policy by paying an extra premium amount. They allow policyholders to purchase coverage that are otherwise missing from their base health policy. These riders can be purchased from the Tata AIG General Insurance Company while buying or renewing the policy.

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      List of Tata AIG Health Insurance Riders in India

      Check out the list of Tata AIG health insurance riders available in India:

      1. Tata AIG Accidental Death Benefit

        The Tata AIG Accidental Death benefit rider pays a fixed lump sum amount to the insured’s family if he/she dies in an accident. This rider is available under Tata AIG MediCare and Tata AIG MediCare Protect plans.

      2. Tata AIG Wellsurance Benefit

        The Tata AIG Wellsurance benefit pays a lump sum amount to the policyholder if the insured undergoes minor surgery, major surgery & post-operative physiotherapy and avails ambulance services. This rider is available under the Tata AIG Criti-MediCare policy. However, coverage for minor and major surgical benefits are available after a waiting period of 90 days.

      3. Tata AIG Global Cover

        The Tata AIG Global cover rider pays for the cost of in-patient hospitalization and day care procedures incurred outside India. This rider is available under the Tata AIG MediCare Plus policy. However, this rider applies to cases where the insured went abroad to treat a condition that was first diagnosed in India.

        People also read: Global Health Insurance

      4. Tata AIG Child Enhancement Benefit

        The Tata AIG Child Enhancement benefit rider doubles the accidental dismemberment benefit amount if the insured child losses limbs/ legs/ eyesight/ hearing due to an accident. This rider is available under the Tata AIG Accident Guard policy.

      5. Tata AIG Home Alteration and Vehicle Modification Benefit

        The Tata AIG Home Alteration and Vehicle Modification benefit rider reimburses the cost of modifying the house or vehicle of the insured if he/she suffers from an injury listed under the accidental dismemberment benefit or paralysis cover. This rider is available under the Tata AIG Accident Guard policy.

        People also read: Accident Insurance Policy – Benefits and Exclusions

      6. Tata AIG Repatriation Benefit

        The Tata AIG Repatriation benefit rider will pay for the actual expenses incurred on repatriating the mortal remains of the insured. This rider is available under the Tata AIG Accident Guard policy.

      7. Tata AIG Family Transportation Benefit

        The Tata AIG Family Transportation benefit rider will pay for the actual transportation costs of an immediate family member if the insured is hospitalized due to an accident at least 150 km away from his/her residence. This rider is available under the Tata AIG Accident Guard policy.

      8. Tata AIG Escalation Benefit

        The Tata AIG Escalation benefit rider will increase the principal sum insured by 5% for up to 25% on each renewal in case of no coverage interruption. This rider is available under the Tata AIG Accident Guard policy.

      Benefits of Tata AIG Health Insurance Riders

      Here are a few benefits of buying Tata AIG health insurance riders:

      1. Broader Coverage

        Riders help to increase the coverage level of a Tata AIG health insurance policy to make it more comprehensive. Thus, policyholders can add their desired cover to their base policy instead of buying another medical insurance policy.

      2. Affordable Premium

        Policyholders can get their desired medical coverage by buying riders that are more affordable than buying another health insurance policy. As a result, they end up paying less money to get coverage of their choice.

      3. Easy to Customize

        Tata AIG health insurance riders enable policyholders to customize their health insurance policy without worrying about paying expensive premiums.

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
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      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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