Tata AIG Group EMI Protect Plan
  • In-patient hospitalization
  • Critical illness cover
  • Personal accident cover
Tata AIG Group EMI Protect Plan
Network hospitals

Network hospitals

11000+

Claim settlement ratio

Claim settlement ratio

96.70%

Sum insured

Sum insured

Up to 3 Crores

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

3.9

Pan India Presence

Pan India Presence

221+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

Tata AIG Group EMI Protect Plan

Tata AIG Group EMI Protect policy is specially designed to offer insured members financial protection if they cannot work due to an accident or the diagnosis of a critical illness. Also, this policy provides worldwide coverage for in-patient hospitalisation, facilitating treatment and medical expenses in severe conditions.

It covers a specified number or amount of EMIs burdened on the insured after an accidental hospitalisation, in case of a critical illness diagnosis, etc.

You can enrol under the Tata AIG Group EMI Protect policy through your employer's reference, the premiums under which should be deducted from the employee's account. For more such details of this plan, read till the end of this article or check your policy wording thoroughly.

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Tata AIG Group EMI Protect Plan Specifications

To understand Tata AIG Group EMI Protect Plan Insurance in detail, take a look at the below table:

Entry Age

18 Years

Policy Type

Critical Illness Health Insurance

Sum Insured

To be opted as per schedule

Initial Waiting Period*

30 Days

Renewability

Lifelong

Policy Term

1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Specifications of Tata AIG Group EMI Protect policy

Section B1: In-patient hospitalization

The insurer will pay an EMI based on hospitalization expenses related to an accident or injury that leads the policyholder to a 24-hour (or above) hospital admission.

Section B2: Critical illnesses

The following critical illnesses would be covered as per the specifications of your policy:

  • Cancer of specified severity
  • End-stage renal failure requiring dialysis
  • Major organ/bone marrow transplant
  • Open heart valve replacement/repair
  • Open chest coronary artery bypass graft
  • Myocardial infarction (first heart attack of specific severity)
  • Refractory heart failure
  • Cardiomyopathy
  • Stroke resulting in permanent symptoms
  • Permanent paralysis of limbs
  • Parkinson's disease
  • Primary (idiopathic) pulmonary hypertension
  • End-stage lung failure
  • Aplastic anemia
  • End-stage liver failure

Note: These critical illness benefits can be claimed only once for particular ones in a policy term. Also, the claim should be raised after 90 days of the first date from risk commencement. Also, PEDs won’t be covered, if not intentionally informed to the insurer.

Section B3: Personal accident

These are a category of personal accidents that you can claim under your Group EMI Protect policy:

  • Accidental death
  • Disappearance
  • Permanent total disability

TATA AIG Health Insurance Company Network Hospital List

TATA AIG Health Insurance Company Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, TATA AIG Health Insurance Company ensures that you are medically secured, irrespective of the city you reside in.

Tata AIG Group EMI Protect Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under the Tata AIG Group EMI Protect Plan are:

Hospitalization out of war, riot, strike, and nuclear weapons

Intentional self-injury

AIDS

Miscarriage, and Abortion

Congenital disease

Infertility and in vitro fertilization

How can I claim my Tata AIG Group EMI Protect policy?

  • Step 1

    Reach out to the TPA help desk and submit all the supporting documents like medical records, etc

  • Step 2

    The insurer will verify the pre-authorization form and approve the payable amount as per policy specifications

  • Step 3

    In the final step, the insurer will settle your medical bills directly with the respective hospital

  • Step 1

    If you're hospitalized in a non-network hospital, get the treatment and pay your medical bills upfront.

  • Step 2

    Fill out the reimbursement claim form carefully and attach all the medical records such as treatment papers, consultation charges, and other bills with hospital stamps on them.

  • Step 3

    Submit your claim form with attached documents within 30 days from the hospital discharge to the following address:

    Corporate Health claims Tata AIG General Insurance Company Limited, H.No 7-1-6-617/A, 5th and 6th Floor, Imperial Towers, Door No 615,616, Ameerpet, Hyderabad 500016, Telangana.

  • Step 4

    The insurer will review your claim and verify the respective details submitted by you

  • Step 5

    This is a crucial step. If your claim matches the policy's terms and conditions, they will credit a specified amount (a/c policy coverage) into your account. On the other hand, the claim may also be rejected if any details don't match your documents or you delay submitting the claim form.

Summary

Tata AIG Group EMI Protect is comprehensively designed for a group of people to benefit them against any EMIs, debts, loans, and so on in case of an unforeseen event or an injury that has led them to inability to earn their livelihood.

Want to know more? Reach out to our customer care executives at 1800 4200 269 for further details of the plan.

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Tata AIG Group EMI Protect Plan: FAQs

1. What is the Group EMI Protect plan of Tata AIG health insurance?

It provides you with extensive coverage benefits such as critical illness, worldwide in-patient hospitalization, and accidental death coverage.

2. Who should buy the Tata AIG Group EMI Protect policy?

Everyone should be covered under this policy, especially when you have a family history of critical illnesses, or your job includes an operational risk, or likewise.

3. Is maternity covered with the Tata AIG Group EMI Protect plan?

No, maternity and related expenses are excluded from the policy.

4. Can I get a refund for terminating my Tata AIG Group EMI Protect policy?

Yes, you’ll receive a refund amount (% specified as per policy term and other factors) based on the period of your policy cancellation (as per schedule). For more details, contact us at 1800-4200269.

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.