TATA AIG Wellsurance Executive Health Policy

Introduction/Overview

Tata AIG Wellsurance Executive Health Insurance policy is specifically designed to cover unforeseen medical expenses of busy executives. It pays for critical illnesses, surgeries, miscellaneous hospital expenses, benefits like daily hospital cash, convalescence etc. 

Wellsurance Executive is a unique combination of health insurance and wellness program. In addition to the above mentioned Insurance benefits it also offers a host value added services like Health Line & health query, Health & wellness discounts on selected diagnostic centers, gymnasiums and spas, Health portal, response to your Health queries by experts and regular health newsletters. It is beyond health insurance

Key Features

• Benefit amount on diagnosis of any of 9 critical illnesses
• Cashless Hospitalization at 3000+ hospitals in India
• Benefit amount for specified major & minor surgical procedures
• Higher Hospital Cash for ICU/ICCU admissions
• Daily Hospital Cash benefit
• Convalescence benefit for post hospitalization treatment
• Income Tax benefit under Section 80D

Benefits

Details About Premium

 Annual premium in Rupees

Policy Details

Coverage type: Individual

Grace period: 30 days for renewing the Policy. However, coverage would not be available for the period for which no premium has been received.

Policy termination: 15 days prior to the expiry of the policy

No Claim Period: 90 days from inception of the policy or 120 days for major surgeries

Additional Features Or Riders

• Discounts on selected health check up packages at network hospitals
• Discounts at select gyms, spas, weight management centers and skin care
• Ambulance benefit is paid as a lump sum amount during hospitalisation
• Access to exclusive health and wellness related articles
• Free Health Helpline

Exclusions

• Pre existing diseases will not be covered for the first 4 policy years given there has been continuous renewal from the policy start date
• Treatment done in the first 30 days from the commencement of the policy, unless the treatment is done as a result of accident or emergency. This is referred to as a waiting period.
• Any illness or disease contracted due to intake of alcohol/drugs or other addictive substances will not be covered.
• The waiting period for specific conditions will be 24 months Any pre-existing condition will be covered after a waiting period of 48 months
• Any treatment which begins during waiting periods except Accident related / War / Intentional self injury or attempted suicide / Abuse of drugs and alcohol and nicotine addiction / Treatment of Obesity / Sleep Apnoea / Maternity / Psychiatric or mental disorders / Congenital diseases / Conditions related to or arising out of HIV/AIDS / Intentionally self-inflicted Injury or illness.
• Professional Sports, Hazardous Activities

Documents Required

Policyholder has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.

Eligibility

Entry age for the policyholder, spouse and parents is 18 years to 65 years with lifetime renewal option.