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Health Insurance 480 views July 23, 2021
TATA AIG Wellsurance Family Insurance Plan provides financial protection against a list of critical illnesses during the policy term. The key benefits of the plan are as follows:
- 3 plan variants
- Cover 11 specified critical illnesses
- Hospital cash benefit
- Ambulance cover
- ICU Benefit
- Convalescence Benefit
- Education Benefit
Read this page further and know more about the TATA AIG Wellsurance Family Insurance Plan coverage
Table of Contents
TATA AIG Wellsurance Family Insurance Plan Variants
This policy allows you to choose your coverage from the following variants:
| Classic | Supreme | Elite |
|---|---|---|
| Coverage for critical illnesses up to INR 2 Lakh Hospital cash of INR 2,000 per day Ambulance cover up to INR 2,000 Hospital cash for ICU or ICCU admission is 3,000 per day Convalescence benefit of INR 1,500 Children’s education benefit of INR 50,000 | Coverage for critical illnesses up to INR 3 Lakh Hospital cash of INR 3,000 per day Ambulance cover up to INR 2,000 Hospital cash for ICU or ICCU admission is 4,500 per day Convalescence benefit of INR 2,500 Children’s education benefit of INR 1 Lakh | Coverage for critical illnesses up to INR 4 Lakh Hospital cash of INR 4,000 per day Ambulance cover up to INR 2,000 Hospital cash for ICU or ICCU admission is 6,000 per day Convalescence benefit of INR 4,000 Children’s education benefit of INR 2 Lakh |
List of Critical Illnesses Covered Under TATA AIG Wellsurance Family Insurance Plan
The insurer shall cover the following critical illnesses –
- Cancer
- First Heart Attack
- Stroke
- Kidney Failure
- Coma
- Coronary Artery Bypass Grafting (CABG)
- Major Organ Transplant
- Total Blindness
- Paralysis
- Multiple Sclerosis
- Major Burns
TATA AIG Wellsurance Family Insurance Plan Eligibility Criteria
You need to meet the following age criteria to purchase the TATA AIG Wellsurance Family Insurance Plan –
- Minimum Age at Entry – 18 years
- Maximum Age at Entry – 65 years
- Minimum Eligible Age for Children – 6 months
- Maximum Eligible Age for Children – 18 or 23 years in case of higher studies
Exclusions from TATA AIG Wellsurance Family Insurance Plan
The insurer shall not pay against any of the following incidents:
- Any pre-existing condition or any complication arising from it
- Intentional self-inflicted injury or illness
- Sexually transmitted conditions
- Mental or nervous disorder
- Anxiety, stress or depression
- Acquired Immune Deficiency Syndrome (AIDS), Human Immunodeficiency Virus (HIV) infection
- Suicide
- Illness/injury directly or indirectly related to war, civil war, invasion, insurrection, revolution, an act of a foreign enemy, hostilities, rebellion, mutiny, use of military power or usurpation of government or military power
- If the insured is serving in any branch of the military or armed forces of any country
- Illness/injury directly or indirectly related to ionizing radiation or contamination by radioactivity from any nuclear fuel or nuclear waste, radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of the equipment
- Congenital anomalies or any complications or conditions arising from it
- Participation in any professional sports and hazardous activities
- Cosmetic or plastic surgery or any elective surgery or cosmetic procedure
- Circumcision unless it is a result of an injury caused by an accident
- Surgical and non-surgical treatment of obesity including morbid obesity and weight control programs or treatment of an optional nature
- Routine health check-ups
- Convalescence, custodial care, general debility, lethargy, rest cure
- Vitamins, tonics and any other health supplement
- Vaccination or inoculation of any kind
- Any investigation or treatment not related to the covered illness or injury
- Any surgery done on the organ, provided they are not infected or affected
- Services, supplies, or treatment, which are not recommended, approved, and certified as medically necessary
- Expenses incurred for hospitalization or surgery for a donation of organs
- Pregnancy-related conditions including diagnosis or treatment of infertility, inability to conceive a child, birth control, surgical procedures and devices except for ectopic pregnancy
- Alcohol or drug abuse
- Any surgery for a donation of organs
- Treatment of Spondylosis/Spondylitis
- Cost of spectacles and contact lenses, hearing aids, walkers, crutches, wheelchairs and such other aids
- Any Ayurvedic, Homeopathy or naturopathy treatments.
Terms & Conditions
- Critical illness benefit is payable after a survival period of 30 days from the date of diagnosis
- A waiting period of 90 days from the date of policy inception applies to hospitalization. However, there’ no waiting period for accident-related hospitalization
- Critical illness benefit is available for self and spouse only
- Coverage for children is available up to 50% of the sum insured as mentioned in the policy schedule
- Hospital cash is available up to 90 days after a 1-day deductible
- The hospital cash benefit is not applicable for hospitalization due to any accidents
- The benefit for each critical illness will be paid once during the entire lifetime
- Upon renewal, critical illness benefit is available for all illnesses except for the one that has been claimed in the previous year
- The policy covers hospitalization in India only
- Ambulance benefit is payable in a lump sum during hospitalization
- Children’s education benefit is payable in case of accidental death or permanent total disability