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TATA AIG General Insurance

Formed on January 22, 2001, TATA AIG General Insurance Company Limited is established as a joint venture between Tata Group and the American International Group (AIG). While Tata Group is one of the largest conglomerates in India, AIG is an international insurance company which has its presence in more than 100 countries worldwide.

TATA AIG is recognized for its quick claim and hassle-free claim settlement.

Since 2001, TATA AIG has made it a goal to provide insurance products so as to meet the needs of their customers. As a result, Tata AIG was awarded the “General Insurer Claims Team of the Year” by Claims Awards Asia 2013. Tata AIG offers consumer as well as commercial businesses general insurance plans.

TATA AIG Insurance Company Mission Vision

To be India's most preferred General Insurance Company is the main vision of TATA AIG General Insurance Company.

This Company wishes to be one-of-the-class General Insurers that would deliver unmatched value to its users, beloved employees as well as shareholders and business partners through their consistent, fair and transparent insurance services.

Health Insurance Plans in November 2024

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Reliance General Insurer

Amount Covered: ₹ 1 Lakh

Deal Price: ₹ 2,094 / Year

Waiting period: 4 yrs

TATA AIG Insurance Company Stats

TATA AIG celebrated 16 years of service in the year 2016
It has launched several innovative products and service over the years
There are around 450 customer service team members, handling customer service and operating from various offices across India
TATA AIG General Insurance Company Limited has an Asset under Management (AUM) of approximate 0.6 billion USD (as of 30th June 2016). - The employee workforce spreads around 2833 employees present in 152 branches across India.

Claims Ratio for Financial Year 2018-19:
- Motor: 70%
- Health: 78%
Source: https://www.tataaig.com

TATA AIG Insurance Company Offers

The TATA AIG Insurance Company offers various insurance products as mentioned below:

TATA AIG Health Insurance
TATA AIG Travel Insurance
TATA AIG Car Insurance
TATA AIG Two-wheeler Insurance
TATA AIG Personal Accident Insurance
TATA AIG Home Insurance
TATA AIG Lifestyle Insurance
TATA AIG Private Client Insurance
TATA AIG Rural Insurance

TATA AIG Insurance Products and Services

TATA AIG Health Insurance

A health insurance plan has become a very important requirement in every individual’s financial portfolio. Tata AIG understands the importance of a health insurance plan and offers different kinds of health plans to prospective customers. Here is a brief discussion on all health plans offered by the company.

Wellsurance Executive Policy: This policy is designed to cover executives. The plan pays a lump sum benefit in case of hospitalization, ICU admission, surgeries, convalescence benefits, outpatient expenses and post hospitalization. 9 critical illnesses are covered under the plan and in case of diagnosis of any illness, a daily cash benefit is paid to the policyholder. Coverage is available for up to Rs. 7.5 lakhs. The plan has a Wellsurance benefit which provides various health-related facilities like free health helpline, health portal, health-related queries, discounted health and wellness services and e-newsletters.

Wellsurance Family Policy: This policy is available as a family floater plan covering the entire family. A lump sum benefit is paid under the plan for hospitalization, ICU admission, for any surgeries, convalescence benefits, outpatient expenses and post hospitalization. Under this plan, 11 critical illnesses are covered and a daily cash benefit is paid even in case of diagnosis of any illness/accidental hospitalization. Moreover, the plan has a children’s education benefit where the lump sum is paid in case of accidental death or total disability of the policyholder. Wellsurance benefit is also available where various health-related facilities are provided by the plan.

Wellsurance Woman Policy: This is a health plan specially designed for women. The plan covers 11 critical illnesses, hospital cash allowance, convalescence benefit and cosmetic reconstruction surgeries in case of an accident. A lump sum or daily cash benefit is paid for these coverage features. The maximum available coverage is up to Rs.7.5 lakhs and the plan offers health-related benefits through Wellsurance advantage. The policyholder can get e-newsletters, call a free health helpline, ask questions for any health-related queries and get discounts in health and wellness services.

Critical Illness: This is a fixed benefit health insurance plan which covers 11 listed illnesses. The plan pays the lump sum benefit in case the policyholder is diagnosed with any of the covered illnesses. Lifelong renewals are provided under the plan and in case of critical illnesses, the plan also allows a free second opinion.

MediPlus: MediPlus is a top-up health insurance plan. This plan allows you to increase your existing health insurance cover at a minimal additional premium. The plan covers pre and post hospitalization, in-patient hospitalization, domiciliary treatments, day care treatments, emergency ambulance costs, etc. Lifelong renewability is available with the plan and the applicable deductibles can be waived if the sum insured is Rs.5 lakhs and above, and the insured is below 50 years of age.

MediSenior: MediSenior is a senior citizen health insurance plan meant for covering older individuals who are aged 61 years and above. The plan offers lifelong renewals and covers organ donor expenses, domiciliary treatments, ambulance expenses up to Rs.2000, day care procedures, etc. The plan can be taken for a 2-year tenure and pre-existing illnesses are covered after 48 months.

MediRaksha: This is an affordable health plan for low-income individuals who are restricted with premium affordability and still require a health cover. There are no pre-policy health check-ups till 55 years of age. There are discounts in the premiums of the plan for covering 2 or more members under the plan or for buying a 2-year policy and paying the premium at once. The plan covers in-patient hospitalization, pre and post hospitalization, organ donor expenses, free health check-ups after 4 years, day care treatments, etc.

TATA AIG Personal Accident Insurance

The TATA AIG General Insurance Company offers personal accident insurance plans at an affordable premium. Let's have a look at these various plans:

Accident Guard Policy: This is a personal accident policy, which provides coverage up to Rs. 30 lakhs. The plan covers accidental death and dismemberment and permanent loss of use. There are 5 optional benefits available under the plan too. These benefits include tuition benefit, repatriation of mortal remains, home alteration and vehicle modification benefit, double dismemberment benefit for eligible children and family transportation.
Accident Shield Policy: This plan will help you minimise any expenses and problems occurring due to an accident. You will get a compensation in case of an injury leading to a permanent disability. In case of permanent total disability, the plan will compensate for your children's education. You also get a lifelong renewal option in case you pay the total premiums on time.
Injury Guard Policy: The policy covers accidental death, fractures, burns, medical expenses incurred for an accidental injury, home alteration and vehicle modification benefit and temporary total disability caused due to an accident. There is no pre-policy check-up required to buy the plan and the plan can be taken by individuals aged up to 75 years.
Income Guard Plan: This is also a personal accident plan, which covers accidental death, dismemberment and loss of use of any physical part of the body due to an accident. Tuition benefit, home alteration and vehicle modification benefit, repatriation benefit and family transportation benefit are also provided with the plan.
Secured Future Plan: This plan pays a monthly income in case of an accident. The policyholder can choose any monthly income amount ranging from Rs.10,000/- to Rs.35,000/- and the benefit is then guaranteed to be paid for a term of 5 years to 20 years. The monthly incomes are triggered in case of accidental death, dismemberment and paralysis and in case of permanent total disability. No pre-entrance medical screening is required and the maximum entry age is 70 years.
Secure Income High Policy: The plan covers accidental death, dismemberment and permanent total loss of limbs. In case of any of these contingencies, the lump sum benefit of 10% of the sum insured is paid. Thereafter, the plan pays monthly incomes of the remaining sum insured for 60 months. Hospital daily cash allowance benefit can also be added to the policy by paying an additional premium.
Maha Raksha Personal Injury Policy: A cash benefit is paid under the plan for accidental injuries and hospitalization. The plan covers accidental death, fractures, burns, hospital daily cash and loss of activities of daily living. Individuals aged 18-75 years can buy the policy and the benefits are payable despite any other health insurance claims payable.

TATA AIG Travel Insurance

Travel insurance plans are important as they cover financial contingencies faced when travelling abroad or within the country. Tata AIG offers four different types of travel insurance plans which are discussed in brief below:

Travel Guard: Travel Guard is an international travel insurance policy which covers international travel. The policy is available either as a single trip plan covering one trip or an annual multi-trip plan which covers multiple trips taken within a year. This plan comes with $0.5 million medical cover. In addition to medical cover, this plan covers accidental coverages, baggage loss, baggage delay, loss of passport, personal liability, hijacking, flight delay, etc. The plan allows an emergency assistance in times of crisis and repatriation of remains is available anywhere in the world. The plan comes in different variants and each variant has a different sum insured level and coverage benefit.
Student Guard – Overseas Health Insurance Plan: This is an international travel insurance plan covering those students who are going abroad for higher education. There are five plan options and the maximum coverage allowed is $500, 000. This covers study interruption – reimbursement of un-used tuition fees due to various factors. In addition to that, it also covers accidental coverages, loss or delay of baggage passport loss, personal liability, flight delay, hijack etc. The plan provides a special extension with unique coverage features like maternity benefits, cover for mental or nervous disorders, child care, cancer screening, mammography, physiotherapy, coverage for pre-existing illnesses in life-threatening conditions, study interruption, sponsor protection, fraudulent charges in payment card security, etc. The policyholder can also increase the sum insured on plan renewals if required.
Asia Travel Guard Policy: If you are travelling to any foreign country within Asia (except Korea and Japan), this policy is for you. The policy offers different types of assistance services besides the regular travel insurance cover. These services include referral for medical services provider, arrangement of admission to the hospital, assistance for loss of luggage, services for emergency travel and Embassy referral and information service for claims procedure. The plan can be taken by anyone travelling to an Asian country up to 70 years of age.
Domestic Travel Guard Policy: This is a travel plan meant for travelling within India. The policy covers accidental death and dismemberment, missed air or rail departure, emergency medical reimbursement, accommodation expenses incurred in case of trip delay, loss of tickets and emergency medical evacuation. Moreover, the plan also allows round-the-clock assistance for any claim-related queries that the policyholder has.

TATA AIG Home Insurance

TATA AIG offers you a complete package policy for your beloved home at an affordable premium. Let's have a look at the various home insurance policies TATA AIG has to offer:

Instachoice Home Insurance Plan: This plan gives you the liberty to select and design the home insurance coverage instantly. Various covers such as baggage loss, burglary and theft, personal accident, fire, rent for alternative accommodation, special perils etc. are offered in this plan. It is recommended to buy this plan in case you own a house.
Home Coupon Plan: This plan is recommended if you own ahouse.. It offers on-the-spot cover for your home with easy documentation. Coverage such as fire and special perils like earthquake and terrorism as well as burglary is taken care of under this plan.
Standard Fire and Special Perils Plan: The plan is meant for those who own a house or stay in a rented accommodation. Offers coverage against any loss or damage due to fire, aircraft damage, lightning, and bushfire, natural calamities such as earthquake, storm, flood, and inundation. It also covers riots, strikes, landslide, rockslide etc.
Home Secure Supreme: This plan offers 15 comprehensive covers to opt from. This plan offers you a customized cover as well as a choice to select your sum insured. Offers coverage due to loss or damage from plate glass, burglary, fire, audio-visual appliance, medical expense, fire, public liability etc. The Home Secure Supreme Plan offers additional new benefits including medical expenses, purchase protection and temporary resettlement expenses.

TATA AIG Car Insurance

Car insurance is one of the wittiest methods to protect your car financially. Tata AIG understands the importance of a car insurance plan and offers two kinds of car plans to its customers. Here is a brief discussion on both the car insurance plans offered by the company.

Third-party Car Insurance Policy: This is the mandatory third-party liability policy as per the regulations of the Motor Vehicles Act, 1988. The policy covers any financial liability, which arises if your vehicle causes bodily injury to a third party or damages the surrounding property belonging to a third party.
Auto Secure Private Car Package Policy: Auto Secure is a comprehensive car insurance policy, which covers the mandatory third-party financial liability as well as damages faced by the car. The policy allows 13 comprehensive types of add-on covers, which can be added to the plan for an enhanced scope of protection. The company arranges free car pick-ups in case of any claims where the car requires repairs. The repairs that are done on the car come with a 6-month warranty against any faulty repairing. Moreover, the plan guarantees the use of top-quality and genuine spare parts and materials used in repairs.

TATA AIG Two Wheeler Insurance

Two-wheeler insurance is one of the cleverest methods to protect your bike financially. Tata AIG understands the importance of a bike insurance plan and offers three kinds of two-wheeler insurance plans to its customers. Here is a brief discussion on all the three bike insurance plans offered by the company.

Third-party Two-wheeler Insurance Policy: This compulsory third-party liability policy is to be taken up in accordance to the regulations of the Motor Vehicles Act, 1988. It covers financial liabilities that arise when the two-wheeler causes bodily damage to a third-party or when it damages the property that belongs to a third party.
Auto Secure – Two-wheeler Package Policy: This is a comprehensive policy designed for your two-wheeler. The policy pays claims if your two-wheeler suffers any damages or if you cause damages to a third party or property. In this policy, there are seven add-on covers available. The policyholder can choose one or more add-ons by paying an additional premium for increased coverage. If no claims are made in any year, the policyholder can earn No Claim Bonus and discounts on the renewal premiums. Moreover, the repaired parts have a pre-defined rate of depreciation to ensure maximum claim settlement.
Auto Secure – Two-wheeler Long-Term Policy: This is a comprehensive two-wheeler insurance plan, which is offered for a longer tenure stretching up to 3 years. Thus, the policyholder is spared the hassles of renewing his two-wheeler insurance policy every year. The long-term policy has several benefits besides reducing the hassles of annual renewals. Firstly, the third party premium component of the plan does not change during the policy tenure. Secondly, even in case of a claim, you do not lose the entire NCB discount. Thirdly, you get discounts on premium if you choose a long-term policy.

TATA AIG Rural Insurance

Motor Insurance: This plan offers insurance protection against different automobiles used in rural India such as tractors, two-wheelers, private vehicles for captive use, commercial vehicles such as three-wheelers, passenger-carrying vehicles and goods-carrying vehicles.
Property Insurance: This plan offers insurance protection for homes, machinery like pump sets, schools, shops and outlets. Offers coverage against any loss or damage due to fire, aircraft damage, lightning, and bush fire, natural calamities such as earthquake, storm, flood, and inundation. It extends its coverage to strikes, landslides, rockslides, riots etc.
Livestock or Cattle Insurance: This plan offers a complete insurance cover for cattle against death occurring due to accidents, diseases, riots, terrorism or loss, which is a permanent damage to the milk-yielding capacity arising from a disease.
Personal Accident Insurance: This plan offers personal accident insurance for the people staying in rural areas offering coverage such as accidental hospital cash, repatriation of remains, tuition benefit, permanent total disability, accidental death or disappearance cases where the dead body cannot be located, emergency accident medical expenses etc.

TATA AIG Lifestyle Insurance

Personal Identity Protection Plan: This plan is basically to offer protection against misuse done using your personal identity cards or payment cards. It offers coverage against any expenses to resolve the identity threat. It also offers coverage for instances such as lost wages, cost of notarizing the documents, fraudulent charges cover, ATM assault and robbery cover, expenses related to lost or stolen wallet cover.
Personal Travelling Protection Plan: This plan covers the loss or liability caused due to your personal travel. It offers home protection especially when you are away from your home that includes loss of household goods. It includes the personal trip effects cover that offers coverage for loss or theft or accidental damage to your personal stuff, money and documents. Additionally, it offers a personal trip legal liability arising out of third-party property damage, accidental bodily injury etc.
Personal Credit Card Protection Plan: This plan offers insurance coverage due to any loss or liability done to the products bought by you. The various covers offered here are price protection cover, key replacement cover and purchase protection cover.

TATA AIG Private Client Insurance

Motor Insurance: This plan offers insurance cover for loss or damage to your personal assets like high-value vehicles in India, an advantage from the concierge level claims service and extra coverage with the 8 add-ons offered as well as comprehensive cover for third-party liability cover.
Home and Contents Insurance: This plan offers coverage for any loss or damage caused to your building as well as household contents. It offfers advantage from the concierge level of claims services, risk management services as well as many other add-ons.
Exceptional value: This plan offers concierge level of claims service, client-centric coverage, detailed property appraisals etc. It also offers arrangement for loss or damage of a valuable item by restoring it to its original condition.

Premium Payment process of TATA AIG Insurance Company

Online Payment Process

TATA AIG General Insurance has made the online payment facility available for their customers. It is the most convenient way that allows the customers to pay premiums with just a few clicks. All the policyholder needs to do is make the premium payment by accessing the TATA AIG General Insurance website www.tataaiginsurance.in. There would be different product options that the policyholder will have to select from. For example, in case of health insurance payment, the policyholder will have to click on health insurance category and click on 'make payment', and then enter the policy number to make the payment in the space given. For online payment, the policyholder can use his debit cards, credit cards, or net banking. Thus, with only a few simple steps, the policyholder can make hassle-free payment through the official website.

Offline Payment Process

TATA AIG General Insurance Company also offers offline payment service for their customers who aren't tech-savvy. Nevertheless, the below modes of payment can be used for offline method:

Drop boxes
Cash/ Cheque collection centre
Payment collection centre
Company branch
Agents representing TATA AIG General Insurance Company
Insurance brokers representing TATA AIG General Insurance Company
Buying on phone, which depends upon the individual company
Banks, retail houses or any other commercial ventures which are channel partners with TATA AIG General Insurance Company

TATA AIG Insurance Renewal

Online Renewal Process at TATA AIG Insurance Company

It is strongly recommended to renew your insurance before expiry of the existing insurance. TATA AIG General Insurance offers hassle-free renewal to their policyholders through the online renewal process. All they have to do is log in to the company website www.tataaiginsurance.in and select renew now option. Then follow the link leading to secure payment process.

There would be different product options that the policyholder will have to select one from. For example, in case of health insurance renewal, the policyholder will have to click on health insurance category and click on 'renew'. Then enter the policy number to make the payment in the space given. For online payment, the policyholder can use his debit cards, credit cards, or net banking. Thus, with only a few simple steps, the policyholder can make hassle-free online renewal through the official website.

Compare insurance plans provided by other insurers with TATA AIG insurance?

There are many general insurers today in the market. However, the below mentioned pointers make TATA AIG General Insurance Company stand out than the other insurers. Let's have a look at them:

SBI General Insurance Company doesn't offer lifestyle insurance, rural insurance and private client insurance. However, TATA AIG General Insurance Company does offer a varied range of these products at a reasonable rate.
The Health insurance plans offered by TATA AIG offers customized plans for executives as well as women centric plans as compared to National Insurance Company

Awards and Achievements of TATA AIG Insurance Company Limited

Awards Won by TATA AIG Insurance Company

TATA AIG was awarded as the "General Insurer Claims Team of the Year" by Claims Awards Asia 2013
Tata AIG was awarded as the "Best Travel Insurance Company of the Year" by CNBC Awaaz Travel Awards 2013
TATA AIG's Health Insurance Cover MediPrime was recognised as the Best product Innovation award in the health sector

Achievements of TATA AIG Insurance Company Limited

TATA AIG General Insurance Company was recognised as the Best Employer of the year by Asia Insurance Review, Singapore
TATA AIG's CEO Mr. K.K.Mishra was recognised with the "Corporate Excellence Award for CEOs with Excellence in Finance" award by the Institute of Public Enterprise
TATA AIG's VP – Marketing & E-Business Mr. Gunjan Ghai was awarded as 50 Most Talented CMO’s of India. This recognition was given at the 22nd Edition of World Brand Congress

Source: tataaig.com

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TATA AIG Insurance FAQs

What kinds of policies are available online with TATA AIG Insurance Company Limited?

The TATA AIG Insurance Company offers various insurance products online as mentioned below:

TATA AIG Health Insurance
TATA AIG Travel Insurance
TATA AIG Car Insurance
TATA AIG Two-wheeler Insurance
TATA AIG Personal Accident Insurance

How to renew TATA AIG insurance policy online?

There would be different product options that the policyholder will have to select one from. For example, in case of health insurance renewal, the policyholder will have to click on health insurance category and click on 'renew'. Then enter the policy number to make the payment in the space given. For online payment, the policyholder can use his debit cards, credit cards, or net banking. Thus, with an only a few simple steps, the policyholder can make hassle-free online renewal through the official website.

Why should you buy TATA AIG Health Insurance Policy?

A health insurance plan has become a very important requirement in every individual's financial portfolio. Tata AIG also understands the importance of a health insurance plan and offers different kinds of health plans to prospective customers. Below are the reasons why you must buy TATA AIG Health Insurance Policy:

Offers comprehensive health cover which allows cashless claim settlement facility
Offers customised health insurance plans
Lifelong renewals are provided under some of the plans and in case of critical illnesses, the plan also allows a free second opinion
The Women Health Insurance plan covers 11 critical illnesses, hospital cash allowance, convalescence benefit and cosmetic reconstruction surgeries in case of an accident
The Child Health Insurance plan has a children's education benefit where the lump sum is paid in case of accidental death or total disability of the policyholder
The Wellsurance Plan offers various health-related facilities like free health helpline, health portal, health-related queries, discounted health and wellness services and e-newsletters

Why should you buy TATA AIG Car Insurance Policies?

Car insurance is clearly one of the smartest ways of financially protecting your car. Tata AIG emphasizes on the importance of the plan by offering two such plans to its users. Below are the reasons why you must buy TATA AIG Car Insurance Policy:

Offers comprehensive car insurance policy, which covers the mandatory third party financial liability as well as damages faced by the car
Offers 13 different add-on covers that can be conveniently added to expand the protection coverage Offers 13 comprehensive types of add-on covers, which can be added to the plan for an enhanced scope of protection
Offers free car pick-ups in case of any claims where the car requires repairs
Offers third-party liability cover that offers coverage to any financial liability, which arises if your vehicle causes bodily injury to a third party or damages the surrounding property belonging to a third party

How can I download Tata AIG policy online?

Once you purchase an insurance policy from TATA AIG, the company sends the policy document on your registered email id. To download your TATA AIG policy, simply check your email and read the steps mentioned to download the document. Follow the steps and save the document on your desktop so as to keep it handy when needed.

How can I renew my Tata AIG bike insurance?

To renew your bike insurance, you need to place a request within 90 days from the expiry date. This can be done for Inspection and renewal on the company‘s toll-free number i.e. 1800-266-7780. In case the policy expiration date crosses more than 90 days, then you have to apply for a new Insurance policy. For this, you can either call the toll-free number or visit the nearest TATA AIG branch.

What is the maximum entry age for Travel Guard in Tata AIG?

The Maximum entry age for Travel Guard in TATA AIG is 100 years.

What is Tata AIG General Insurance customer care number?

The customer care number of TATA AIG General Insurance is 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders)

What is the period of Tata AIG general insurance policy?

Each policy from TATA AIG General Insurance has a different policy tenure.

Does Tata AIG General Insurance allow checking Tata AIG Motor Insurance claim status online?

Yes, a policyholder can check the claim status of his TATA AIG Motor Insurance Policy.

Customer Reviews

Average Customer Rating:

Tata AIG General Insurance Company Limited | Online Tata AIG Insurance

1.5 / 5 ( 94 reviews )

Madhubhai Parmar

Great Platform

I used Coverfox for health and car insurance. Experience is great experience till now. Coverfox team is great in support. They are very efficient. Coverfox platform is itself great. I myself is a software engineer. Good to see such platform serving customers in India.

28 Jan 2020

Tata Aig General Insurance