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Tata AIA Health Secure offers fixed benefit payouts for health needs, covering 57 critical illnesses, unlimited daycare procedures, surgeries, and hospitalization, regardless of hospital bills. It provides end-to-end healthcare solutions, including consultations, physiotherapy, diagnostics, medicines, health check-ups, dental care, digital yoga, nutrition, and emotional wellness tools like podcasts and mood trackers. You can choose between cashless, or reimbursement claims and also enjoy the Tata AIA Vitality2 Program to promote a healthier lifestyle.
Provides fixed payouts for surgeries covered by the rider1, including unlimited daycare surgeries like cataracts and dental treatments.
Provides fixed amount benefit per day ranging from Rs. 500/- till 20,000/- as chosen by you.
Provides double benefit (2x) of HospiCash per day benefit in case of ICU hospitalization.
An extra 5% of the HospiCash amount is paid if you're hospitalized for at least 7 continuous days.
Provides payout on diagnosing of any of the 57 critical illnesses covered under the policy. The multistage payouts cover Minor, Major, and Catastrophic conditions.
Get your family members protected with comprehensive health cover by adding them in the same policy.
Provides payout on diagnosing of any of the 20 juvenile critical illnesses for your child.
Provides fixed payouts for the ambulance cost incurred.
Pre-existing diseases and their treatment costs are covered under this rider after 36 months.
It offers the Tata AIA Vitality program benefits that motivate you to live healthier life and get discount3 on rider premium amount.
Restoration Benefit: On exhaustion of annual limits, get your HospiCash and SurgiCash Sum Assured restored automatically for further claims.
Diagnostic Test Benefit: Additional 5% of claim amount up to Rs. 25,000/- is payable towards Diagnostic Tests and Procedures.
Overseas Treatment Booster (OTB): Additional 10% of CritiCash sum assured to manage expenses like travel, accommodation, companion cost on availing major CI treatment in abroad.
In addition to the above benefits, you can avail exclusive benefits by choosing one of the following:
OPD Prime
OPD Elite
OPD Royal
Below is the summary for the individual benefits available under each option
|
Benefit Category |
Benefit details |
OPD Prime |
OPD Elite |
OPD Royal |
Virtual consultations (Cashless only) |
Virtual Consultations |
Tele-Consultations via Chat/Phone/Video with GP |
Unlimited |
Unlimited |
Unlimited |
|
Tele-Consultations via Chat/Phone/Video across 18+ Specialties |
||||
Emotional Wellness |
Tele-Consultations via Chat/Phone/Video with Psychologists- 24*7 |
||||
Nutrition Management |
Teleconsultations with Nutritionists & Health Coaches |
||||
Wellness & Assistance |
Preventive health check up |
On cashless basis only and within vendor network.
|
Yes |
Yes |
Yes |
Dental wellness |
Preventive screening and dental cleaning/polishing/ scaling |
Yes |
Yes |
Yes |
|
Chronic Care Management* |
Chronic Disease Management Programs for conditions like Thyroid Management, Hypertension, Weight Management & Alcohol/Smoking Cessation etc |
Basic Health Coaching. |
Basic Health Coaching. |
Basic Health Coaching. |
|
Yoga Sessions- Digital via App |
Digital Yoga and wellbeing as courses to be added for Tata AIA, additionally monthly yoga webinars to be completed (live sessions) |
Yes |
Yes |
Yes |
|
Value Added Services
|
Discounted Pharmacy Ordering - In Store / Home Delivery (Upto 15% discount) |
Yes |
Yes |
Yes |
|
Discounted Diagnostics- Home Sample collection/Centre Visit (Upto 20% discount) |
|||||
OPD coverage |
Outpatient Consultations |
In-person OPD Consultations with General Physicians & Specialists (Cashless & Non-cashless available) |
|
5 |
10 |
OPD Treatment |
Diagnostic Cover (Pathology + Radiology) |
|
5 |
10 |
|
Pharmacy Cover- On cashless basis only. Wallet credit of Rs 500 each on every prescribed incident. |
|
5 |
10 |
||
Prescribed Physiotherapy Sessions |
|
5 |
10 |
||
|
|
|
|
|
Reimbursement in common wallet. Wallet balance can be used for other services also on vendor platform |
Health conditions have always been one of the most uncertain and unfortunate event in a person’s life. Technological developments have brought in lifestyle changes which have added on to this uncertainty. There is a growing need to visit doctors for regular medical consultation and treatments. To provide you cover against these regular unexpected expenses, customers can avail the above outpatient consultation benefits.
Adding riders1 to base plan will cover specific risks and provide additional financial benefits in the event of any unfortunate events.
Compared to purchasing a separate product for managing emergencies or specific events in life, purchasing a rider by paying an additional premium is considered as an affordable option.
As the add-on riders are optional, you can purchase them based on your requirements considering the risks that you feel must be covered based on your lifestyle and family medical history. Moreover, you can determine the fixed benefits that you might feel is needed during your toughest times. Truly giving you an experience of making your own plan.
Adding riders to base plan is convenient. You can add it online at the time of purchase and pay the applicable premium together instead of managing to pay for the coverage separately.
Our experts are happy to help you!
We provide our customers with quick and hassle-free settlements through our effective Cashless and Reimbursement claims process. Click the link below to Know More.
Are surgery expenses covered under Tata AIA Health Secure?
Yes, Tata AIA Health Secure covers a wide range of surgeries related to the different organs in the body and provides a fixed benefit payout on occurrence of the event. In addition, the rider provides coverage for unlimited Day Care surgeries like cataracts, dental treatment, etc.
What is the advantage of adding a rider that provides the critical illness benefit?
An advantage of additional financial support if the policyholder gets diagnosed with a critical illness.
Are dental surgeries and eye cataract operation expenses covered under TATA AIA Health Secure Rider?
Yes, Tata AIA Health Secure Rider provides payouts for dental surgeries and eye cataract operation under day care procedures category.
Are the expenses related to Cancer Chemotherapy and Radiotherapy for Cancer covered under TATA AIA Health Secure plan?
Yes, the Cancer Chemotherapy and Radiotherapy for Cancer expenses are covered under TATA AIA Health Secure plan under Day Care procedures.
Who should purchase Tata AIA Health Secure Rider?
Considering the changing lifestyle conditions and the increasing medical expenses, it is important for every individual to have financial coverage for health-related expenses. And it is highly crucial for individuals having pre-existing diseases and a family history of diseases such as cancer. It can help them cover the medical expenses for wide-ranging diseases, critical illnesses, surgeries, and Day Care procedures.
Are the hospitalization expenses covered if I am admitted into the ICU (Intensive Care Unit)?
Yes, Tata AIA Health Secure Rider provides a fixed amount of cash daily as a hospitalisation benefit for 24 hours or more, ranging from Rs. 500/- as decided by you. And the benefit is doubled in case of ICU admission.
What is the Tata AIA Vitality Program?
The Tata AIA Vitality Program is a holistic wellness program that empowers and rewards customers based on its personalised approach to guiding them in their wellness routine to help them lead healthier and happier lifestyles. Customers can avail of regular health check-ups and resort to wellness activities, ensuring a healthy body condition. In addition, it provides upfront and renewal discounts on their rider premium amount.
How can I access the Tata AIA Vitality Program benefits?
The Tata AIA Vitality Program2 benefits are accessible through a user-friendly mobile application. It has three sections:
Know Your Health - Helps assess current health and wellness conditions.
Get rewarded - Offers rewards on premiums in the form of discounts3 on rider premium upon reaching certain specific milestones related to wellness.
How many family members can be added under Health Secure rider?
You can add your spouse and up to 3 children under Health Secure rider.
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