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Tata AIG Wellsurance Woman

Objective

This policy has been specially designed to insure women. It provides an insurance cover against specific illnesses and other benefits.


Suited for

It can be bought by females on an individual basis.


What does it do?

This policy comes in three variants:- Classic, Supreme and Elite. While Classic is a basic variant, Elite is the highest version of this policy offering larger sum insured compared to the other two. This policy will pay a lump sum in case the insured female contracts any of the covered 11 illnesses. It also pays a daily cash benefit to take care of other routine expenses outside the insurance coverage. The policy can also pay for ambulance, recovery, discounts at specific gyms and spas, and discounts on selected health check-up packages at network hospitals.


Pros

This policy can be bought online.
It allows lifelong renewal and premium paid can avail tax deduction under Section 80D of Income Tax Act.


Our View

This is a recommended policy that can be bought as an add on to a basic health insurance policy. Apart from covering critical illnesses, it provides for other subsidiary expenses which are otherwise not covered under a basic policy. A major advantage is that the policy allows renewal up to lifetime of the insured person.

Eligibility
Entry Age (years) 
Minimum18
Maximum65
Maximum Policy Renewal Age (years)Life long renewal
Coverage TypeIndividual woman
Sum Insured (Rs) 
MaximumAs stated in the Covers and Exclusions
MinimumAs stated in the Covers and Exclusions
Policy Term (years)1
Grace Period for Policy Renewal15 days
Policy TerminationInsurer may cancel the policy by providing a 15 days prior notice
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
Benefits (per policy year)ClassicSupremeElite
Cashless facilityavailable if treatment taken in a network hospital
Reimbursement facilityavailable if treatment availed in a non-network hospital
Critical Illnesses
Cancer3 lakh5 lakh7.5 lakh
First Heart Attack, Stroke, Kidney Failure, Coma, Coronary Artery Bypass, Grafting (CABG), Major Organ Transplant, Total Blindness, Paralysis, Multiple Sclerosis, Major burns1.5 lakh2.5 lakh3.75 lakh
Other benefits
Daily Hospital Cash Benefit(upto 90 days , 1 day deductible)2000 per day3000 per day4000 per day
ICU/ICCU admission (upto 15 days per policy year)3000 per day4500 per day6000 per day
Convalescence benefit (payable after 5 days of continuous hospitalisation150025004000
Cosmetic Reconstruction Surgery (only in case of accident)500001 lakh2 lakh
Ambulance chargesreimburses maximum upto Rs 2000
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 diseasesnot covered
No claim period90 days from inception of the policy
Waiting periodconvalescence benefit will be paid after 5 days of hospitalisation
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)Plan Options
ClassicSupremeElite
18-24221541467702
25-29241244448108
30-34276350128939
35-393400598410271
40-444610788112949
45-495169878214258
50-5482641437824114
55-59102891750628547
60-65164632801045674
Premium rates are exclusive of service tax and cess.

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