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Tata AIG Wellsurance Family

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Tata AIG Wellsurance Family Insurance Policy

 

Tata AIG Wellsurance offers a bundle of health insurance benefits right from covering hospitalisation expenses to children’s education benefit in case of accidental death. The policy also pays benefit amount on diagnosis of 11 specified critical illnesses. The family plan option of Tata AIG Wellsurance extends the policy cover to all the members of the family.

 

 

Key Features of Tata AIG Wellsurance Family Insurance Policy

 

  • Policy pays benefit amount on diagnosis of 11 specified critical illnesses
  • Provides daily hospital cash benefit
  • Higher hospital cash is given for ICU and ICCU admissions
  • Has post hospitalisation benefit, that is, benefit given for the period of recovery
  • No waiting period for accident related hospitalisation in the first 90 days from policy start date

 

 

Variants in Tata AIG Wellsurance Family Insurance Plan

 

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

  1. Classic
  2. Supreme
  3. Elite

 

 

Benefits of Tata AIG Wellsurance Family

Classic

Supreme

Elite

Diagnosed Critical Illness (in Rs.)

200,000

300,000

400,000

Hospital Cash (in Rs.)

2,000 per day

3,000 per day

4,000 per day

Ambulance Charges (in Rs.)

2,000

2,000

2,000

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

3,000 per day

4,500 per day

6,000 per day

Education Benefit (in Rs.)

50,000

100,000

200,000

Convalescence Benefit (Post hospitalisation)

1,500

2,500

4,000

 

 

What is covered in Tata AIG Wellsurance Family Insurance Plan?

 

  • Expenses incurred during Hospitalisation
  • Benefit amount on diagnosis of critical illness like Cancer, First Heart Attack, Coma, Kidney Failure, Major organ transplant, Stroke, Coronary artery bypass surgery, Total blindness, Paralysis, Major burns and Multiple sclerosis
  • Hospital cash up to 90 days
  • ICU benefit up to 15 days per year
  • Benefit given for the period of recovery after 5 continuous days of hospitalisation
  • Children’s education benefit is paid in case of accidental death / permanent total disability of the sole earning member of the family

 

 

Additional Benefits of Tata AIG Wellsurance Family Insurance Plan

 

  • Discounts at select gyms, skin care, weight management centers and spas
  • Children over 6 months can be covered
  • Ambulance benefit is paid as a lumpsum amount during hospitalisation.

 

 

Eligibility and Restrictions of Tata AIG Wellsurance Family Insurance Policy

 

 

 

Minimum

Maximum

Policy Term (in years)

1

1

Entry Age (in years)

18

65

 

 

Family floater policy will cover

 

An individual,  spouse and children

 

 

Tax Benefits in Tata AIG Wellsurance Family 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 Family 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
  • Diseases existing at birth (Congenital) and pregnancy related
  • 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
  • Overdose of drugs, alcohol
  • If more than one policy taken from Tata AIG, only one amount will be payable as per the policy which has the highest benefit amount

 

 

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