Health First

Tata AIG Life Health First is a comprehensive lump sum payout health plan from Tata AIG Life Insurance. This plan is different from those offered by non – life insurance companies, which only reimburse the actual expenses incurred. While this is important, it is also important to note that these do not provide for other related expenses such as replacement of income that is lost due to hospitalization or expenses of follow up treatment.

This policy offers a number of covers under the same plan, with each cover having a different coverage amount. This ensures that many health-related problems can be financially covered under the same plan – coverage such as Hospitalization, Critical Illness, Surgery, Post-hospitalization and Unfortunate Death.

• In case of hospitalisation the policy pays from day 1
• Pays the entire coverage amount if a covered unfortunate event were to occur, irrespective of the actual expense incurred. This ensures that additional money is available as income replacement.
• Premiums remain the same during the policy term of 5 years, which means that you don’t have to pay a higher premium each year, as is the case with most traditional reimbursement plans. Also, claims made will not affect the premium during the policy term.
• Over the entire policy term, it is possible to make multiple claims for the hospitalisation benefits, meaning that the coverage is available every year.
  
  
  

• Policy offers a daily hospitalisation benefit up to 90 days. The per-day benefit is paid irrespective of the actual bill.
• In case the policy holder is diagnosed with a critical illness, then this policy provides a lump sum amount after 30 days of the first diagnosis
• If the policy holder wants to undergo a surgery, then the policy offers a lump sum payment for the surgery. Surgical Benefit payable irrespective of Daily Hospital Benefit is payable
• Post hospitalisation benefit is offered up to 3 days to pay for expenses like nursing help
• Cashless hospitalisation facility
• There is a component of death benefit which is paid to the policy holder
• This is a 5-Year Renewable Non-Participating Health Product        

• Housewives are allowed to buy this Plan up to 4 Units
• Free look period of 15 days is offered where the premium will be refunded if the policy holder changes his mind
• The policy can be reinstated within 5 years in case it has lapsed 
• Critical illness covers Cancer, Stroke, Heart Attack, Paralysis, Total Blindness, Coronary Bypass Surgery, Parkinson’s disease, Heart valve surgery, Chronic Renal Failure, Major Organ Transplant, Aorta Surgery, Benign Brain Tumor

• Premiums paid under this policy are eligible for tax deductions under Section 80D for Health Insurance Benefits
• Premiums paid are exempt from taxable income under Section 80C for Life Insurance Benefits under IT Act, 1961

• Those Critical Illness for which the signs or symptoms first occurred within the first 180 days of the Policy Issue Date / Commencement Date or last reinstatement of this Policy
•  Any abnormalities or congenital defect that was diagnosed before the Insured attains the age of 17
• Performance of any procedure or surgery which is not medically necessary
• Any surgery or treatment which has not been performed by a Registered Medical Practitioner
• Post- Hospitalization Benefit is not payable for admission to un-pre-approved hospitals even for Emergency Medical Condition
• Benefit is paid only once for the same Critical Illness

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