TATA AIG Wellsurance Woman Policy

Introduction/Overview

This policy has been specially designed to insure women. It provides an insurance cover against specific illnesses and other benefits.

Key Features

• Benefit amount on diagnosis of any of 11 Critical Illnesses. Higher benefit in case of Cancer
• Cashless hospitalization at over 3000+ network hospitals across India
• Daily Hospital Cash benefit
• Higher Hospital Cash for ICU/ICCU admissions
• Convalescence benefit, for post hospitalization treatment
• Cosmetic Reconstruction Surgery benefit for accidental injuries
• Income Tax benefit under Sec 80D
• Free Look Period of 15 days from the date of policy document  receipt to review the terms and conditions of this Policy

Benefits

Details About Premium

Annual premium in Rupees

*The above rates may vary. Check the policy wordings for more details.

Policy Details

Coverage type: Individual women

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

Free Look Period :15 days from the date of  receipt of the Policy document to review the terms and conditions of this Policy.

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

Additional Features Or Riders

• Sum Assured can be enhanced at the time of  renewal
• Wellsurance Health Perks -  discounts on selected health check up packages at our wide range of network hospitals
• Ambulance benefit is a lumpsum amount paid on usage of ambulance during the incidence of hospitalization. No waiting period for Accident related hospitalization
• Hospital Cash : 1 day deductible for Hospital Cash benefit. Not applicable for hospitalisation due to any accident. 

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 / etc.
  

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 is between 18 years to 65 years with lifetime renewal option.