Wellsurance Woman Policy
  • Designed for women
  • Check your Eligibility
  • Quick Claim Process

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Wellsurance Woman Policy

Today, when the world is being outspoken about gender equality, Feminism, it's high time to pull your socks up and pay more attention to women's health care and hygiene. Often, women get so burdened with family responsibilities that they forget about their own health. To ensure total health cover for women, Tata AIG Health Insurance has introduced Wellsurance Women Policy. This plan is specially designed to protect women against certain illnesses and provides various benefits such as cashless facility, cosmetic surgery, critical illness cover, discounts on health and wellness. Apart from all these benefits, the policy also covers hospitalization and pays daily hospital cash in such cases.

The plan is available in three variants - Classic, Supreme, and Elite. The coverage limits and the sum insured options for each variant where classic is the most basic variant and Elite provides the highest coverage option. Let's understand each plan and its variant in detail,

Key Features and Benefits of Wellsurance Woman Plan

One should always be aware of their availed policy. Here are the key features and benefits of the Wellsurance Woman plan,

  • This plan provides cashless facilities during hospitalization at over 6000+ network hospitals across India. In cashless hospitalization, you don't have to pay a single penny to the hospital for medical treatment.
  • Get the Hospital Daily Cash Benefit where a fixed amount per day of hospitalization is paid is a lump sum amount to the policyholder.
  • The plan offers higher hospital cash for ICU/ICCU admission to the hospital.
  • Convalescence benefit for the post-hospitalization treatment. The insurer pays the lump sum amount for the recovery at home.
  • Offers coverage for the cosmetic Reconstruction Surgery caused due to accident/injuries.
  • Benefits on Tax Savings under section 80(D) Income Tax Act.
  • It provides you with an option of cancelling your policy without penalty i.e., called Free look period of 15 days.
  • It offers lifetime renewability that saves your pocket from financial stress and burdens.
  • Provides a benefit amount on the diagnosis of 12 critical illnesses listed in the policy's documents.
    1. Critical illnesses covered
    2. Cancer
    3. First Heart Attack
    4. Stroke
    5. Kidney Failure
    6. Coma
    7. Coronary Artery Bypass Grafting (CABG)
    8. Major Organ Transplant
    9. Total Blindness
    10. Paralysis
    11. Multiple Sclerosis
    12. Major burns

Other Additional Benefits

  1. Free Helpline

    Wellsurance Woman plan provides you with an option to reach out to physicians or medical practitioners to get help on health and wellness-related information from Monday to Saturday (09:00 am - 07:00 pm). For information, you can call on their toll-free number 1800 103 5252.

  2. Discount offerings on Health and Wellness

    Get discounts on approximately 200 selected gyms, spas, weight management centres, and skincare diagnostic centres.

  3. Tax Benefits

    Get tax-saving benefits on the premiums paid under section 80(D) of the Income Tax Act.

  4. Tata AIG portal

    The portal of TATA AIG provides information about the network hospitals, their services, and costs. Also, there is a personalized tracker that monitors health and fitness.

Eligibility Criteria

Entry Age 18-65 years
Renewability Lifelong Renewability
COVID-19 Covered

**Last Updated on 05-05-2021

Coverages under Wellsurance Women Plan

Benefits Classic Supreme Elite
Ambulance charges - This benefit is a lump sum amount paid on an ambulance during the hospitalization. The expenses incurred in the admission and the discharge from the hospital up to Rs.2000/-
The hospital cash benefit is covered for up to 90 days along with 1 day-deductible.
*Not applicable for hospitalization because of an accident.
2000 per day 3000 per day 4000 per day
Cosmetic Reconstructive Surgery is only applicable in case of accidents/injury 50000 100000 200000
Convalescence Benefit is to be paid by the insurer after five continuous days of hospitalization. 1500 2500 4000
ICU charges are covered up to 15 days for a policy year 3000 per day 4500 per day 6000 per day
Diagnosis of critical illnesses
For cancer 300000 500000 750000
Major organ transplantation/Coma/Coronary artery bypass grafting (CABG), first heart attack/stroke/kidney failure/Total blindness/major burns/multiple sclerosis/paralysis 150000 250000 375000

**Last Updated on 05-05-2021

Sample Premium Rates

This table illustrates the premium payable by individuals under classic, supreme, and elite plans at different ages. Let's understand the Wellsurance women premium plan for better understanding,

Age (in years ) Classic Supreme Elite
30 3104 5632 10044
40 5180 8855 14549
50 9285 16155 27095
60 18498 31472 51319

**Last Updated on 05-05-2021

Wellsurance Woman Premium: Classic, Supreme, and Elite

Wellsurance Woman Premium: Classic, Supreme, and Elite

As per the graph, the premium is increasing with age as the chances of health problems also arise. The classic plan is the most basic and ideal variant while Elite provides the highest coverage option. In order to make the best possible purchase of a health insurance policy, it is advisable to consider few aspects such as age, the sum insured, coverage, pre-existing illnesses, number of network hospitals, work profile, family history, marital status. Out of all these factors, age is a primary factor that affects health insurance premiums. If you know your exact age, you will be able to decide on a perfect plan that covers all your medical needs.

Exclusions

The major exclusions of Wellsurance Women Policy are,

  • Any pre-existed illnesses or any complications associated with it.
  • Sexually transmitted diseases
  • Self-inflicted injuries /Attempted suicide
  • Mental or nervous disorder, anxiety, depression, or stress.
  • AIDS/HIV
  • Adventurous/professional sports injury or any hazardous activities
  • Weight management programs or obesity or improving physical appearance
  • Any surgery for the donation of organs
  • War, civil war, invasion, or act of foreign enemies
  • Congenital anomalies, defects, or diseases are not covered.
  • Any policyholder attempting to commit a breach of law with criminal intent.
  • Alcoholic/drug/substance abuse

For detailed information about the exclusions, please refer to policy brochures/documents.

Buying Process of Wellsurance Woman Policy

To buy this plan, you need to visit the nearest branch of Tata AIG, as this plan is not available online. In case you get into some trouble while buying from Tata AIG, get in touch (1800-4200-269) with the experts of PolicyX.com.

Claim Process of Wellsurance Woman Policy

For all claims-related services, contact E-Meditek (TPA) Services Ltd. All claims will be cashless subject to admission into in-network hospitals.

If you are admitted to a non-network hospital, then submit your bills to E-Meditek (TPA) Services Ltd for availing the reimbursement option up to the specified limits.

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Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.7/5 (15 Total Rating)

May 5, 2021

Sunita Kukreja
Kanpur

Thanks to policyx. they guided me very well because i want to buy tata aig plans. The company is very good. No complaints and all queries resolved quickly.

April 30, 2021

Ila Kapoor
Bhopal

I bought this policy because my sister referred this company to me. Honestly i am very much satisfied with the services. Good Company.

May 5, 2021

Kajal Sharma
Guwahati

Medicare plus plan from tata aig is the best plan. It provides you all benefits you need. Morover, their customer service is commendable. Really happy.

May 3, 2021

Kamini Rathi
Indore

Tata aig is a good company and their insurance plans are very reliable. My friend suggested me to buy this plan. Now i am satisfied

April 6, 2018

Rupali
Cuttack

I have my Wellsurance Family Policy with Tata Aig Health Insurance from past 3 years. The policy coverage will be for 5 lakhs rupees. This policy have the coverage for my family as well.

Last updated on 05-05-2021

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