Tata AIG Wellsurance Family

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Tata AIG Wellsurance Family

Objective		This policy aims to provide a fixed insurance cover in case of medical emergencies.
Suited for		Any individual between 18 and 65 years of age can buy this policy for his family as an add-on to existing health insurance cover.
What does it do?		This is a fixed benefit cover which means that it will provide a pre-stated amount in case a covered medical emergency strikes. It is available in three variants- Classic, Supreme and Elite. All three variants offer hospitalisation benefit in the form of daily cash, ambulance charges and convalescence (recovery) benefit. It also pays a pre-fixed amount if insured member contracts any of the covered critical illness. Education benefit in the event of death or permanent total disability of parent is another useful feature.
Our View		This is not a substitute for a basic health insurance policy. Anyone covered under a basic health insurance policy may buy it to widen the scope of insurance coverage. A critical Illness policy is a must if your family history evidences any such disease. Depending on your budget, you may go for this plan as it also offers daily cash benefits along with cover for critical illness
Eligibility
Entry Age (years)
Minimum	18; 6 months for children
Maximum	65; 18 yrs (23 yrs in case studying for higher education) for children
Maximum Policy Renewal Age (years)	Life long renewal
Coverage Type	Family on an individual sum insured basis
Policy Term (years)	1
Sum Insured (Rs)
Maximum	As stated in the policy document. Children will be covered for 50% of basic sum insured
Minimum	As stated in the policy document. Children will be covered for 50% of basic sum insured
Grace Period for Policy Renewal	15 days
Policy Termination	Insurer may cancel the policy by providing a 15 days prior notice. Insured person may also cancel the policy at any time. Insurer will refund a proportionate premium as stated in the policy document
Customer Service
Address	Registered Office:TATA AIG Insurance, 9th Floor, Piramal Towers, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400 01
Mail to	customersupport@tata-aig.com
Call to	1800-266-7780
SMS	TAG to 5616181

 

Scope of Cover
	Plan Options
	Classic Plan	Supreme Plan	Elite Plan
Hospitalisation benefits
Hospital Cash (1 day deductible; up to 90 days for room rent, boarding, etc)	2000 per day	3000 per day	4000 per day
ICU Benefit (upto 15 days)	3000 per day	4500 per day	6000 per day
Ambulance charges payable per incident of hospitalisation	2000	2000	2000
Convalescence benefit (payable per incident of hospitalisation)	1500	2500	4000
Critical Illnesses (available for self and spouse only)
Cancer / First Heart Attack / Stroke / Kidney Failure / Coma / Coronary Artery Bypass Grafting (CABG) / Major Organ Transplant / Total Blindness / Paralysis / Multiple Sclerosis / Major burns	2 lakh	3 lakh	4 lakh
Education benefit	50000	1 lakh	2 lakh
Other benefits
Health and Wellness Offers	policyholder will receive discounts at select gyms, spas, skin care and weight management centres
Wellsurance Health Perks	Privileged customers get discounts on selected health check up packages at network hospital

 

Exclusions and Waiting Period
Pre-existing diseases	covered after 4 years of continuous policy renewal
No claim period	90 days from inception of the policy or 120 days for major surgeries
Waiting period	90 days from inception of the policy
Survival period	insured person needs to survive for a minimum of 30 days starting from the day of contracting any of the covered critical illness

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