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Tata AIG Wellsurance Family

Objective

This policy aims to provide a fixed insurance cover in case of medical emergencies.

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.

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.

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

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
Policy Term (years)
1
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
[email protected]
Call to
1800-266-7780
SMS
TAG to 5616181

Additions to the Plan

Scope of Cover
Plan Options
Classic PlanSupreme PlanElite Plan
Hospitalisation benefits
Hospital Cash (1 day deductible; up to 90 days for room rent, boarding, etc)2000 per day3000 per day4000 per day
ICU Benefit (upto 15 days)3000 per day4500 per day6000 per day
Ambulance charges payable per incident of hospitalisation200020002000
Convalescence benefit (payable per incident of hospitalisation)150025004000
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 burns2 lakh3 lakh4 lakh
Education benefit500001 lakh2 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 4 years 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

Cost Details

Annual Premium
Age (in years)Classic PlanSupreme PlanElite Plan
Family Option- 1 (Self+Spouse+upto 2 children)
18-243368594510350
25-293835663911269
30-344775804513141
35-3962921029716129
40-4493981492622279
45-49108751713225217
50-54148992314433217
55-59193462973841957
60-65309534758167131
Family Option- 2 (Self+Spouse)
18-24278249128550
25-29316854849309
30-343944664610855
35-395198850613323
40-4477641233018405
45-4989841415420831
50-54123071912027440
55-59159812456734660
60-65255703930655456
Family Option -3 : (Self + upto 2 Children)
18-24234241367200
25-29266846187839
30-34332155969141
35-394377716311219
40-4465381038315498
45-4975651191917542
50-54103641610123108
55-59134582068729187
60-65215333310046700
Premiums are exclusive of service tax and cess