Tata AIG Wellsurance Woman
This policy has been specially designed to insure women. It provides an insurance cover against specific illnesses and other benefits.
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.
This policy can be bought online.
It allows lifelong renewal and premium paid can avail tax deduction under Section 80D of Income Tax Act.
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.
|Entry Age (years)|
|Maximum Policy Renewal Age (years)||Life long renewal|
|Coverage Type||Individual woman|
|Sum Insured (Rs)|
|Maximum||As stated in the Covers and Exclusions|
|Minimum||As stated in the Covers and Exclusions|
|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|
|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]|
|SMS||TAG to 5616181|
Additions to the Plan
|Scope of Cover|
|Benefits (per policy year)||Classic||Supreme||Elite|
|Cashless facility||available if treatment taken in a network hospital|
|Reimbursement facility||available if treatment availed in a non-network hospital|
|Cancer||3 lakh||5 lakh||7.5 lakh|
|First Heart Attack, Stroke, Kidney Failure, Coma, Coronary Artery Bypass, Grafting (CABG), Major Organ Transplant, Total Blindness, Paralysis, Multiple Sclerosis, Major burns||1.5 lakh||2.5 lakh||3.75 lakh|
|Daily Hospital Cash Benefit(upto 90 days , 1 day deductible)||2000 per day||3000 per day||4000 per day|
|ICU/ICCU admission (upto 15 days per policy year)||3000 per day||4500 per day||6000 per day|
|Convalescence benefit (payable after 5 days of continuous hospitalisation||1500||2500||4000|
|Cosmetic Reconstruction Surgery (only in case of accident)||50000||1 lakh||2 lakh|
|Ambulance charges||reimburses maximum upto Rs 2000|
|Health and Wellness Offers||policyholder will receive discounts at select gyms, spas, skin care and weight management centres|
|Wellsurance Health Perks||Privileged customers get discounts on selected health check up packages at network hospital|
|Exclusions and Waiting Period|
|Pre-existing diseases||not covered|
|No claim period||90 days from inception of the policy|
|Waiting period||convalescence benefit will be paid after 5 days of hospitalisation|
|Survival period||insured person needs to survive for a minimum of 30 days starting from the day of contracting any of the covered critical illness|
|Age (in years)||Plan Options|
|Premium rates are exclusive of service tax and cess.|