Wellsurance Women Policy
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. Let's understand each plan and its variant in detail,
Key Features and Benefits of Wellsurance Women Plan
One should always be aware of their availed policy. Here are the key features and benefits of the Wellsurance Women plan,
- This plan provides cashless facilities during hospitalization at over 6200+ 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.
- Critical illnesses covered
- Cancer
- First Heart Attack
- Stroke
- Kidney Failure
- Coma
- Coronary Artery Bypass Grafting (CABG)
- Major Organ Transplant
- Total Blindness
- Paralysis
- Multiple Sclerosis
- Major burns
Other Additional Benefits
Free Helpline
Wellsurance Women 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.
Discount offerings on Health and Wellness
Get discounts on approximately 200 selected gyms, spas, weight management centres, and skincare diagnostic centres.
Tax Benefits
Get tax-saving benefits on the premiums paid under section 80(D) of the Income Tax Act.
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 August, 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 August, 2021
TATA AIG Health Insurance Network Hospital List
TATA AIG Health Insurance Network Hospitals are present in 30 states nationwide. With a wide network of hospitals, TATA AIG Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
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 Women 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 Women 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.
As per my experience, TATA AIG is one of the best health companies to rely on. I am so glad that I choose this insurance company for protecting my healthcare needs.