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can you tell me , 62y_M(diabastic, bp), 54_f(sugar), 14kid_f; planning to take health insurence, what would be best sum assumed for 3 members a family flotter, give me the quotion for TATA aig?
ChatGPT said:

For a family floater covering a 62-year-old male (diabetic & hypertensive), a 54-year-old female (diabetic), and a 14‑year-old child, here are key considerations and a sample premium estimate from Tata AIG:


✅ Suggested Sum Insured

Given the ages and health conditions, it's wise to choose a higher sum insured to ensure coverage for potential hospitalizations, medication, and chronic condition management:

  • Recommended range: ₹10 lakh to ₹25 lakh

  • Many senior citizens opt for ₹15–20 lakh to cover major procedures, pre- and post-hospitalization, and chronic illness management Axis Bank+15TATA AIG+15PolicyX+15


📋 Tata AIG Policy Options

Tata AIG should suit these needs:

  • MediCare Premier: sums from ₹5 lakh up to ₹3 crore; includes OPD, home care, global cover, ambulance, and higher diagnostics coverage TATA AIG

  • Family Floater Plans: customizable, group coverage under one sum insured TATA AIG+1TATA AIG+1


💰 Estimated Premium for ₹15 Lakh Sum Insured

While exact premiums vary by location, age, and add-ons, a rough estimate:

From Ditto (for a 35 + 30 couple with two children, ₹5 lakh sum insured):

Adjusting for higher sum and older, less healthy lives, multiply by roughly 2.5–3× per person:

Sum InsuredEstimated Annual Premium
₹10 lakh₹35,000 – ₹50,000
₹15 lakh₹50,000 – ₹75,000
₹20 lakh₹65,000 – ₹1,00,000

These include key riders (OPD, diagnostics), and may increase further if adding Global Cover or critical illness rider.


📲 Next Steps – Tata AIG Quote

To get a customized premium, follow these steps:

  1. Visit Tata AIG’s Health Insurance Premium Calculator.

  2. Select Family Floater, enter ages and known health conditions.

  3. Choose ₹15 lakh (or more) sum insured.

  4. View personalized premium, add riders like Global Cover, OPD, or air ambulance.

  5. Click Get Plan and complete required details (DOB, pincode) to view exact quotes Policybazaar+3TATA AIG+3TATA AIG+3PolicyXPolicybazaar+13Policybazaar+13TATA AIG+13TATA AIG.


✅ Summary

  • Ideal sum insured: ₹15–20 lakh floater for this family’s age and health profile.

  • Estimated premium: ₹50,000–₹75,000/year (may vary by location and coverage riders).

  • Use the online calculator for an accurate, tailored quote from Tata AIG.

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