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Tata AIG Wellsurance Executive


This policy aims to provide insurance coverage to all family members and the sum insured for each member can be chosen by the policyholder.

Suited for

Any individual between 18 to 65 years of age can buy this policy as an add-on to a basic health insurance.

What does it do?

It is a fixed benefit policy and comes in three variants- Classic, Supreme and Elite. Classic is the lowest variant offering low sum insured and Elite is the top most variant. This policy covers hospitalisation expenses, surgeries, 9 critical illnesses and post hospitalisation expenses. Each benefit is fixed at the amount stated in policy document. The policy will pay the specified lump sum if a claim is made.


Cover for postoperative physiotherapy and kidney dialysis is useful.
This policy can be bought online and allows lifelong  renewal.
Premium paid towards this policy is deductible under Section 80D of the Income Tax Act.

Our View

The policy will pay a fixed benefit as stated in the policy statement.Though it offers wide coverage, it is not a substitute for basic health policy. This is a critical illness plan offering hospitalisation and other benefits as add-ons. This policy can be bought as an add-on to a basic health insurance to enhance the scope of coverage. A critical illness policy is a must for those who with a family history of any such illness.

Entry Age (years) 
Maximum Policy Renewal Age (years)Life long renewal
Coverage TypeIndividual
Sum Insured (Rs) 
MaximumAs stated in the policy document
MinimumAs stated in the policy document
Policy Term (years)1
Grace Period for Policy Renewal15 days
Policy TerminationInsurer 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 
AddressRegistered Office:TATA AIG Insurance, 9th Floor, Piramal Towers, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400 01
Mail to[email protected]
Call to1800-266-7780
SMSTAG to 5616181
Additions to the Plan
Scope of Cover
Plan Options
Hospitalisation benefits
Hospital Cash (up to 90 daysfor room rent, boarding, etc)2000 per day3000 per day4000 per day
ICU Benefit (upto 15 days)3000 per day4500 per day6000 per day
Nursing andPhysicians Visit750 per day1000 per day1250 per day
Investigation -MRI250035003500
Investigation u0096 CT Scan orDoppler study125017501750
Investigation u0096 Lab Test,X-ray or ECG350500750
Anesthetist's fees250050007500
Physiotherapy - while hospital confined upto 30 days750 per day1000 per day1250 per day
Ambulance charges200020002000
Convalescence benefit(payable after 5 continuous days of hospitalisation150025004000
Major and minor surgeriescovered upto a certain sum as stated in the policy document
Post Hospitalisation- outpatient expenses
Post operative physiotherapy minimum 2 visits350050007000
Chemotherapy/Radiation u0096 min. 3 visits150000250000300000
Kidney Dialysis150000200000250000
Critical Illnesses
Cancer / First Heart Attack/ Stroke / Kidney Failure / Coma / Total Blindness / Permanent Paralysis of limbs / Multiple Sclerosis / Major burns3 lakh5 lakh7.5 lakh
Other benefits
Health and Wellness Offerspolicyholder will receive discounts at select gyms, spas, skin care and weight management centres
Wellsurance Health PerksPrivileged customers get discounts on selected health check up packages at network hospital
Exclusions and Waiting Period
Pre-existing diseasescovered after 48 months of continuous policy renewal
No claim period90 days from inception of the policy or 120 days for major surgeries
Waiting period90 days from inception of the policy
Survival periodinsured person needs to survive for a minimum of 30 days starting from the day of contracting any of the covered critical illness
Annual Premium
Plan Options
Age(in years)Classic SupremeElite
Annual premium rates are exclusive of service tax and cess. For renewal premiums for age 66 years or above, contact insurance company office.