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Tata AIG Wellsurance Executive

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Tata AIG Wellsurance Executive Health Insurance Policy

 

Tata AIG Wellsurance Executive Health Insurance policy is specifically designed to cover unforeseen medical expenses of busy executives. It pays for critical illnesses, surgeries, miscellaneous hospital expenses, benefits like daily hospital cash, convalescence etc.   

 

 

Key Features of Tata AIG Wellsurance Executive Health Insurance Policy

 

  • Benefit amount is paid on diagnosis of 9 critical illnesses
  • Benefit amount on major and minor specified surgeries
  • Daily hospital cash benefit
  • Benefit given for gradual recovery of health after hospitalisation
  • Higher amount of hospital cash given for ICU or ICCU admissions

 

 

Variants in Tata AIG Wellsurance Executive Health Insurance Plan

 

There are three variants available in Tata AIG Wellsurance Family Insurance Policy. They are -

  • Classic
  • Supreme
  • Elite

 

 

Benefits of Tata AIG Wellsurance Family

Classic

Supreme

Elite

Diagnosed Critical Illness (in Rs.)

300,000

500,000

750,000

Hospitalisation (in Rs.)

750 per day

1,000 per day

1,250 per day

Physiotherapy (in hospital up to 30 days)

750 per day

1,000 per day

1,250 per day

Minor Surgeries (in Rs.)

10,000

10,000

15,000

Major Surgeries (in Rs.)

100,000

150,000

200,000

ICU Benefit (up to 15 days per policy year in Rs.)

3,000 per day

4,500 per day

6,000 per day

Heart Valve Replacement

100,000

150,000

200,000

Convalescence Benefit (Post hospitalisation)

1,500

2,500

4,000

 

 

What is covered in Tata AIG Wellsurance Executive Health Insurance Plan?

 

  • 9 Critical Illnesses covered are Paralysis, Cancer, Stroke, Coma, First Heart Attack, Total Blindness, Major Burns, Multiple Sclerosis and Kidney Failure
  • Surgeries like knee replacement, hip replacement, spinal surgery, tumor of eye ball, post-traumatic surgery etc
  • Major surgeries like angioplasty, organ transplant, bone marrow transplant, tumor removal
  • Minor surgeries like removal of kidney stones, appendectomy etc
  • Hospitalisation expenses
  • Cost of diagnostic tests
  • Daily hospital cash
  • Higher hospital cash for ICU and ICCU admission
  • Convalescence or rest cure benefit
  • Physiotherapy while in hospital for maximum  up to 30 days

 

 

Additional Benefits of Tata AIG Wellsurance Executive Health Insurance Plan

 

  • Discounts on selected health check up packages at network hospitals
  • Discounts at select gyms, spas, weight management centers and skin care
  • Ambulance benefit is paid as a lump sum amount during hospitalisation
  • Access to exclusive health and wellness related articles

 

 

Eligibility and Restrictions of Tata AIG Wellsurance Executive Health Insurance Policy

 

 

 

Minimum

Maximum

Policy Term (in years)

1

1

Entry Age (in years)

18

65

 

 

Tax Benefits in Tata AIG Wellsurance Executive Health Insurance Policy

 

Premiums up to Rs.15,000 paid towards this policy are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.

 

 

 

Exclusions - What is not covered in Tata AIG Wellsurance Executive Health Insurance Policy?

 

  • First 90 days for sickness and hospitalisation
  • Critical illness benefit for each illness not paid more than once during the entire lifetime
  • Hospitalisation outside India
  • Pre-existing diseases
  • Spondylitis treatment
  • Pregnancy and related conditions
  • Diseases existing at birth (Congenital)
  • Non-allopathic treatments like Ayurveda, naturopathy or homeopathy
  • War, invasion etc and people serving in military or armed forces
  • Toxic, nuclear or radioactive contamination
  • Professional sports or any other dangerous activity
  • Cosmetic or plastic surgery and obesity related treatments
  • Self-inflicted injuries
  • Cost of spectacles, hearing aids, crutches, walkers, wheel chairs etc
  • Abuse of drugs, alcohol similar substances
  • HIV / AIDS and related conditions

 

 

 

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