TATA AIG Wellsurance Family Health Policy
In this single policy, you can get coverage for your parents’ medical expenses and your
Read More
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