TATA AIG Health Insurance Benefits

All the health insurance plans offered by TATA AIG offer unmatched coverage benefits. However, there are certain situations in which the plan does not provide coverage. These are called policy exclusions. Almost all health insurance plans of the company have some common coverage exclusions which include the following

1. Self-inflicted injuries attempted suicides or deliberate acts of harm to self
2. Injuries sustained when you are under the influence of alcohol/drugs or when you are committing a criminal act
3. Sexually transmitted diseases, HIV or AIDs infections and other venereal diseases
4. Maternity expenses, childbirth and pregnancy unless these costs are specifically covere
5. Expenses incurred on an outpatient basis unless they are expressly covered
6. Treatments taken at a place which is not a hospital
7. Experimental and unproven treatments
8. Pre-existing illnesses would not be covered during the specified waiting period
9. Any illness occurring within the first 30-60 days of buying the policy would not be covered. However, accidental injuries are covered from the first policy date
10. Accidents and injuries due to war, nuclear threats or contamination, civil unrest, etc.
11. Cosmetic treatments and procedures
12. Mental disorders or psychiatric conditions and treatment
13. Congenital disorders, etc.