TATA AIG Wellsurance Executive Health Policy

*Please note that the quotes shown will be from our partners

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

 

Benefits

Classic

Supreme

Elite

i>

Diagnosed Critical Illness ( waiting period 90 days, survival period 30 days)

     

i>

Cancer of specified severity

300000

500000

750000

ii>

First Heart Attack of specified severity

300000

500000

750000

iii>

Stroke resulting in permanent symptoms

300000

500000

750000

iv>

Kidney Failure requiring regular Dialysis

300000

500000

750000

v>

Coma of specified severity

300000

500000

750000

vi>

Total Blindness

300000

500000

750000

vii>

Permanent Paralysis Of Limbs

300000

500000

750000

viii>

Multiple Sclerosis with persisting symptoms

300000

500000

750000

ix>

Major Burns

300000

500000

750000

2

Hospitalisation:

     

a

Hospitalisation Miscellaneous

     
 

Nursing services - Max upto 90 days

750

1000

1250

 

Physician’s visit - Max upto 90 days

750

1000

1250

 

Investigation- MRI

2500

3500

3500

 

Investigation- CT scan or Doppler study

1250

1750

1750

 

Physiotherapy( while hospital confined) max upto 30 days

750

1000

1250

 

Investigation- lab test, and or x-ray and or ECG

350

500

750

b

Operation charges

     
 

Anaesthetist’s fees

2500

5000

7500

c

Major surgeries

     

1

CABG- coronary artery bypass grafting

100000

150000

200000

2

Angioplasty -PTCA( percutaniuos transluminal coronery angioplasty)

100000

150000

200000

3

Brain surgery including Craniotomy, tumor removal and intercranial drainage

100000

150000

200000

4

Post traumatic surgery ( skull fracture, pelvis fracture, complicated fracture )

50000

75000

100000

 

Skull fracture

     
 

Traumatic amputation of upper and /or lower limb

     
 

Pelvis / Hip Fracture

     
 

Compound communicated fracture of any part where ORIF is required

     

5

Bone marrow transplant

100000

150000

200000

6

Major organ transplant ( Heart, Lung, Liver, Pancreas

100000

150000

200000

7

Knee replacement

75000

125000

150000

 

Traumatic / septic arthritis

     
 

Severe irreparable knee injury

     

8

Hip replacement

75000

125000

150000

 

Traumatic hip injury- both partial and total

     

9

Spinal surgeries

40000

75000

100000

 

Traumatic spinal injuries

     

10

Enucleation

40000

60000

75000

 

Malignant tumor of eye ball

     
 

Severe trauma to eye ball

     
 

Odentogenic cyst

     

11

Heart valve replacement

100000

150000

200000

12

Pacemaker implant

75000

100000

125000

13

Knee ligament surgery - trauma related

75000

125000

150000

d

Minor Surgeries

     

1

Appendectomy

10000

10000

15000

2

Cholecystectomy/ Removal of Gall Stone

15000

20000

20000

3

Removal of kidney stones

10000

10000

15000

4

Hernia repair

15000

20000

20000

5

Haemorrhoids

10000

10000

15000

6

Biopsy of growth

15000

20000

20000

3

Outpatient

     
 

Post operative Physiotherapy eligibility Min 2 visits

3500

5000

7000

 

Chemotheraphy and/or radiation eligibility Min 3 visits

150000

250000

300000

 

Kidney Dialysis

150000

200000

250000

4

Ambulance Charges

     
 

while admitting and while discharging from the Hospital

2000

2000

2000

5

Hospital Cash ( Max 90 days ) (Per Day)

2000

3000

4000

6

ICU Benefit - Max 15 days per policy year (Per Day)

3000

4500

6000

7

Convalescence Benefit( payable after continuous Hospitalization for 5 days)

1500

2500

4000

 

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.