TATA AIG Wellsurance Woman: The Best Health Insurance for Women?

TATA AIG Wellsurance Woman policy is specially designed to insure women against illnesses and provide them with added benefits such as cashless insurance and hospitalization, recuperation benefit, cosmetic reconstructive surgery, critical illness cover, health lines, health and wellness discounts, health portal, regular health newsletters, and covers a number of additional expenses. Another advantage of this policy is that it can be bought online, can be renewed lifelong and is deductible under Section 80D of Income Tax Act.

TATA AIG Wellsurance Woman policy is available in three categories - Classic, Supreme and Elite. The ages covered are 18 to 65 years, and premiums can be paid directly or via cheque, annually or monthly.

Average Annual Premium Paid for Different Policies

Age Range	Classic Plan with coverage up to INR 1,50,000 (INR 3,00,000 for cancer)	Supreme with coverage up to INR 2,50,000 (INR 5,00,000 for cancer)	Elite with coverage up to INR 3,75,000 (INR 7,50,000 for cancer)
18 to 24	2215	4146	7702
25 to 25	2412	4444	8108
30 to 34	2763	5012	8939
35 to 39	3400	5984	10271
40 to 44	4610	7881	12949
45 to 49	5169	8782	14258
50 to 54	8264	14378	24114
55 to 59	10289	17506	28549
60 to 65	16463	28010	45674
Note: 1. Coverage for cancer insurance under each plan is double the maximum coverage. 2. Premium Amounts are exclusive of taxes.

What is Covered by the Policy?

This policy covers 11 critical illnesses with or without hospitalization, hospitalization cash benefits (including incidental expenses), convalescence benefits (paid in a lump sum after continuous hospitalization for 5 days). And unlike most other health plans, cosmetic reconstructive surgery (paid in lump sum) is too covered under this plan. However, the cosmetic reconstructive surgery is only covered in the case of surgery needed as a result of accident.

Value Added Benefits Include:

A free health helpline where expert medical practitioners can be contacted for advice.
A comprehensive health portal giving information about the network of hospitals, their services and costs.
The portal also provides a personalized tracker to monitor health and fitness levels.
Health queries can be posted on the portal and are replied to by specialized medical practitioners.
Discounts are available at their network partners of over 200 gyms, spas, skin care and weight management centres.
Discounts on health check-ups at their partner hospitals.
Ambulance charges up to INR 2000.

What is Not Covered by the Policy?

As with most policies, this policy does not cover any pre-existing conditions or any complications arising from them. An exception is made if the person insured had a similar Wellsurance policy for at least 4 years since inception. The policy also does not cover intentionally self-inflicted injuries, sexually transmitted diseases, congenital abnormalities, cosmetic procedures, organ transplants, and a few others.

One of the cons of this policy is that it does not cover pregnancy and related conditions. Being a Woman’s policy, it would have been beneficial to cover maternity and a few of the related services. Additionally, claims cannot be made before 90 days from inception of the policy.

Key Features of the TATA AIG Wellsurance Woman Policy

The key features of the policy are as follows:

Coverage of 11 critical illnesses and an higher benefit in case of cancer
Daily hospital cash benefit
Higher hospital cash benefits for patients admitted to ICU/ICCU
Cashless hospitalization at over 3000 network hospitals throughout India
Convalescence benefit for treatment post hospitalization
Cosmetic reconstruction surgeries for injuries caused by accidents
Income Tax benefits under Section 80D
Ability to renew the policy for life
The option to increase the amount of sum insured at the time of renewal
Free look period of 15 days for entry
Grace period of 30 days for renewal.

The TATA AIG Wellsurance Woman policy covers a range of illnesses and conditions. It is easily accessible and can be renewed online, making it hassle free and effortless. In addition, it ensures that the woman to be insured is well taken care of in all phases of life.

Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

*The values taken for effective cost calculation are indicative values and may change as per the selected plan.

*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

*The scope of coverage may vary from plan to plan.

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##On ground claim assistance is available in 114 cities

Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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TATA AIG Wellsurance Woman: Is It The Best Health Insurance for Women?