TATA AIG Wellsurance Woman Policy

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

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

	Benefits	Classic	Supreme	Elite
1	Diagnosed critical Illness (waiting period 90 days, survival period 30 days)
i>	Cancer of specified severity	3,00,000	5,00,000	7,50,000
ii>	First Heart Attack of specified severity	1,50,000	2,50,000	3,75,000
iii>	Stroke resulting in permanent symptoms	1,50,000	2,50,000	3,75,000
iv>	Kidney Failure requiring regular Dialysis	1,50,000	2,50,000	3,75,000
v>	Coma of specified severity	1,50,000	2,50,000	3,75,000
vi>	Open Chest CABG	1,50,000	2,50,000	3,75,000
vii>	Major Organ Transplant	1,50,000	2,50,000	3,75,000
viii>	Total Blindness	1,50,000	2,50,000	3,75,000
ix>	Permanent Paralysis Of Limbs	1,50,000	2,50,000	3,75,000
x>	Multiple Sclerosis with persisting symptoms	1,50,000	2,50,000	3,75,000
xi>	Major Burns	1,50,000	2,50,000	3,75,000
2	Hospital cash - upto 90 days (Per Day) deductible - 1 day	2000	3000	4000
3	Ambulance Charges	2000	2000	2000
3	while admitting and while discharging from the Hospital	2000	2000	2000
4	ICU Benefit - Max 15 days per policy year (Per Day)	3000	4500	6000
5	Convalescence Benefit	1500	2500	4000
5	( payable after continuous Hospitalization for 5 days)	1500	2500	4000
6	Cosmetic Reconstructive Surgery (applicable only in case of Accident)	50000	100000	200000

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.