Tata AIG Wellsurance Woman

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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)
Minimum		18
Maximum		65
Maximum Policy Renewal Age (years)		Life long renewal
Coverage Type		Individual woman
Policy Term (years)		1
Sum Insured (Rs)
Maximum		As stated in the Covers and Exclusions
Minimum		As stated in the Covers and Exclusions
Grace Period for Policy Renewal		15 days
Policy Termination		Insurer may cancel the policy by providing a 15 days prior notice
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		customersupport@tata-aig.com
Call to		1800-266-7780
SMS		TAG to 5616181

 

	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
Critical Illnesses
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
Other benefits
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

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