TATA AIG Health Insurance Faqs

Frequently asked questions about TATA AIG health insurance

FAQ’s Related to Claims

What does Cashless claim settlement mean?
Is Cashless claim facility available in all hospitals/medical centers?
Whom to contact in case of a claim?
How can I avail Cashless claim facility in case of a planned hospitalization?
Does Wellsurance cover maternity expenses?
How can I avail Cashless claim facility in case of emergency hospitalization?
What happens to my claim if I get medical treatment at any of the non network hospitals?
Can I avail of Critical Illness benefit without getting hospitalized? If yes what is the process?
How many times can I claim benefits under a Wellsurance policy?
What is the time frame within which the claim intimation has to be made?
Can I get the claim amount if I have already registered a claim with another insurer?
Will Tata AIG honor my claim if I don't have original medical reports & bills, in case I have submitted original documents to another insurer?
Can we give wellsurance to NRIs? If yes then please let me know the conditions?
There is very renowned hospital named XYZ which is not in the tie up list for wellsurance. Can I know whether that hospital can be put in the tie up list? All the high net worth customers would like to have this hospital in the tie up list. Kindly let me know whether we can include this hospital?
For hospitalization will we get the money on actuals or the benefit that is mentioned, even if the actual amount is lesser than the benefit mentioned?
In case if the SI is 3 lakhs. If the insured gets 2 critical illnesses in the same year say he gets cancer and takes 3 lacs and soon after 6 months gets a heart attack. In such a scenario will he again get the 3 lacs for heart attack in the same year?
Please explain the cashless claim benefits. In case if insured goes for cashless and wants to also claim for his mediclaim in that case what would be the process for cashless. Since the insured needs to submit original papers for mediclaim how can he get the same is goes in for cash less for wellsurance?
Can the insured claim for the medical tests like x-ray, lab tests without hospitalization?
For family option we cover up to 2 children only. Incase if some one had 3 kids in that case what will be the scenario. Can the 3rd child be covered?
Under pre-existing diseases if someone have a hole in heart? Will that be covered after the waiting period?
Incase of a person undergoing Histectomy (uterus removal). In case if recommended by doctor to undergo an MRI every year. Will that person be paid for the same as it's recommended by doctor?
If someone have had cancer in past and is now cured completely and since last 4 years the person is in good health. After taking wellsurance if the cancer reoccurs will he be covered and paid all benefits.No?
Biopsy of growth (DNC) if done in daycare where the person is not hospitalized for 24hrs. What benefits will he receive?
Cancer once paid in wellsurance plan and the patient gets cured completely. Will the plan pay any further money if the same form of cancer reoccurs subsequently after a few years?
For the Executive plan is there any criterion that the women need to be working. Can we give the Executive and woman plan to women who are housewives?
Will a person be paid hospitalization benefits if admitted due to any other illness than critical illness? E.g. if a person has malaria or dengue and due to which he is recommended to get hospitalized. Will he be able to get hospital benefit and the related cost of MRI and other tests?
If a person already had cancer and cured and if he gets heart attack as a side effect of radiation. Will he get benefits after the waiting period of 90 days?
If a person has diabetes as per-ex. Will any related disease due to diabetes be covered after 4 yrs?
Wife wants to take the executive plan and files return. However due to shortage of funds in her account she is unable to give the cheque in her name and wants to give cheque which is in her husband's name. Is it allowed to do that?

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