TATA AIG Wellsurance Family Health Policy

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      TATA AIG Wellsurance Family Health Policy

      In this single policy, you can get coverage for your parents’ medical expenses and your child’s education. You can protect your entire family with this policy and enjoy your peace of mind. There are various value-added services that make the plan all the more worth it.

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      Key Features of TATA AIG Wellsurance Family Insurance Plan

      • Hospitalization Expenses: In case any of your family members are admitted in the hospital the insurer will recompense the expenses incurred on the treatment if the injury or illness, with daily cash allowance up to a maximum of 90 days.
      • ICU Expense Cover: Daily benefit is provided in case you are admitted in the ICU in a hospital. It is subjected to deductibles and the limit is as specified by the insurer.
      • Ambulance Charges: The insurer pays off a specified amount incurred towards medical transportation. Ambulance charges for bringing the insured member to the hospital after an accident and taking back home after discharged are covered in this plan.
      • Value Added Service: You can avail free services on their health portal, seek health queries, and avail health and wellness discounts. You will also get e-newsletter where you can subscribe to various health policies articles and seek consultation from the experts.

      Coverage Provided In TATA AIG Wellsurance Family Insurance Plan

      • Critical Illness Cover: Lump sum payment shall be provided if the insured person is diagnosed with specified critical illnesses for the first time during the policy period. The symptoms of the illness should appear post 90 days of the policy inception date and 30 days of survival period is required from the diagnosis of the illness.
      • Irrespective of the number of critical illnesses, the insurer will only pay once during a policy term in lump sum amount. To avail the benefits you need to renew the policy in the subsequent year.
      • In-Hospitalization cover for Accident: Daily compensation is provided for each day in case of inpatient hospitalization within India due to an injury or accident subject to the deductibles as per the policy terms and conditions. The hospitalization should be medically required and recommended by a doctor.
      • During the period of hospitalization requiring regular and ICU hospitalization, the insurer shall pay against ICU expenses or daily hospital cash as per the applicable limit and deductibles that are applicable.  
      • In-Hospital Cover for a Disease: Daily compensation is provided for each day in case of inpatient hospitalization within India due to a health emergency subjected to a waiting period of 90 days and deductibles. The hospitalization should be medically required and recommended by a doctor.
      • The benefits are provided only once during a policy period. During the period of hospitalization requiring regular and ICU hospitalization, the insurer shall pay against ICU expenses or daily hospital cash as per the applicable limit and deductibles that are applicable. 
      • Education Benefit: If the policyholder suffers permanent total disabilities and accidental death then the insurer will pay off the sum insured as per the policy schedule
      • Convalescence Benefits: The insurer pays off a lump sum amount equal to the sum insured amount, for the period of home recovery at home, after getting discharged. Hospitalization should be for a minimum of 5 continuous nights in the hospital.

      Exclusions of TATA AIG Wellsurance Family Insurance Plan

      • Pre-existing illnesses are not covered until the completion of a waiting period of 4-consecutive years from the policy commencement date.
      • Medical emergencies resulting due to the overdose of alcohol or drugs
      • Self-inflicted injuries are also not recompensed
      • Any critical illness that has been diagnosed within or prior to the waiting period of 90 days
      • Any homeopathy, Ayurveda, weight control programs and naturopathy treatments
      • AIDS, STDs, HIV infection, childbirth, and pregnancy complications are not recompensed
      • Congenital complications and anomalies are not covered
      • Any mental disorder, anxiety, nervous disorders, depression or stress or related illnesses
      • War, invasion, nuclear weapons, civil war, induced hospitalization are not covered
      • professional sports injuries and hazardous activities induced illness
      • Cosmetic or plastic surgeries are not covered unless it is an accidental case

      For more details please refer to the policy wordings

      Claim Process of Tata AIG Wellsurance Executive Plan

      The procedure to file a health claim with Tata AIG is enumerated below:

      • For any disease and illness related hospitalization, you need to lodge a claim at least 48 hours after the hospital admission
      • If there was an emergency then register your claim within 24 hours of getting hospitalized
      • Also, furnish your claim form
      • If all the documents are submitted timely and the procedure is followed then the insurance company will pay-off the claim amount within 30 days of report submission. All the claims shall be settled in as per the IRDA guidelines.

      Documents Required at the Time of Claim

      The documents that you need to submit are enumerated below:

      • Pharmacy Bills
      • Claim form duly signed
      • Hospital receipts/bills
      • Operation theatre notes
      • Medical investigation reports
      • The discharge summary from the hospital
      • Doctor’s prescription
      • Claim Intimation proof
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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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. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *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.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##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.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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