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Tata AIG Wellsurance Family


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.

Entry Age (years) 
Minimum18; 6 months for children
Maximum65; 18 yrs (23 yrs in case studying for higher education) for children
Maximum Policy Renewal Age (years)Life long renewal
Coverage TypeFamily on an individual sum insured basis
Sum Insured (Rs) 
MaximumAs stated in the policy document. Children will be covered for 50% of basic sum insured
MinimumAs stated in the policy document. Children will be covered for 50% of basic sum insured
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
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
Annual Premium
Age (in years)Classic PlanSupreme PlanElite Plan
Family Option- 1 (Self+Spouse+upto 2 children)
Family Option- 2 (Self+Spouse)
Family Option -3 : (Self + upto 2 Children)
Premiums are exclusive of service tax and cess