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

**Last Updated on 05-05-2021

Coverages under Wellsurance Women Plan

**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,

**Last Updated on 05-05-2021

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.