TATA AIG Wellsurance Executive Health Policy

(39 Reviews)
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hospitals

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12101

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Claims paid within 3 months*

100%

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₹350/month

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Sum insured

Up to ₹2 Cr

plans

No. of Plans

6

ped

PED Coverage

Covered after 2 years

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      Health insurance plans for Tata AIG
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      Medicare Premier
      200 cashless hospitals
      Feature-rich plan with in-built OPD and High-end Diagnostics Coverage

      No Room Rent Limit

      ₹2.5 lakh No Claim Bonus

      Restoration of cover once a year

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      ₹5 Lakh
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      200 cashless hospitals
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      Restoration of cover once a year

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      Medicare Plus
      200 cashless hospitals
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      ₹5 Lakh
      Starting at
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      Disclaimer: The list of plans mentioned are for a ₹ 5 lakh Health insurance for a 21-year-old male, living in Jaipur with no pre-existing diseases. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in Read more

      TATA AIG Wellsurance Executive Health Policy

      To combat the increasing cost of healthcare services, you can buy Tata AIG Wellsurance Executive Plan and get compensation for the maximum medical expenditures with minimum fuss.  Most of the hospitalization expenses are covered and it wards off the financial burden of getting a healthcare treatment in one of the best hospitals in the country.

      Read More

      Key Features Tata AIG Wellsurance Executive Plan

      • Hospitalization Expenses: Hospitalization expenses if the policyholder is hospitalized to get treatment for the illness or injury covered.
      • Post-hospitalization Expenses: It includes payment of the lump sum amount in case of the following expenses:
        • 3-visit of chemotherapy or radiation. It will be paid only once during the lifetime of the policyholder
        • 2-visit of postoperative physiotherapy
        • Kidney dialysis expenses to be paid once during the lifetime of the policyholder/insured
        1. Value-added services: Facilities like free health portal, health line, health query, health and wellness discounts and e-newsletter subscription where you will have access to useful health articles and can also take experts consultation for any health-related queries.

      Coverage Benefits of Tata AIG Wellsurance Executive Plan

      • Critical Illness Benefits: In case there is a diagnosis of any critical illness (first time during the policy term) you will get lump sum payment shall be made to the insured. The signs and symptoms of the critical illness should appear after 90 days of the policy commencement date and a survival period of 30 days should be there from the date of diagnosis. Payment shall be made in the lump sum and only once during a policy term irrespective of the number of critical illness. Once the payment is made this benefit will be terminated. It can only be availed after renewing the policy.
      • In-Hospital Benefit for Accident: This plan includes daily cash benefit for inpatient hospitalization across India due to an accident or injury (subjected to deductibles). The total benefits are subjected to the maximum in-hospitalization limits. During a hospitalization that requires ICU and regular treatment, the insurer shall pay against daily hospital cash or ICU expenses as subjected to deductibles. 
      • Convalescence Benefit: The insurer pays in a lump sum to the patient for the recovery period after getting discharged from the hospital and the minimum hospitalization tenure is of 5 consecutive nights.
      • In-Hospitalization Cover Benefit for Sickness: Daily cash benefit is paid on daily basis for expenses incurred during the hospitalization for treatment of any disease, illness and it is subjected to a waiting period of 90 days. Hospitalization needs to recommend by a doctor. The treatment should be recommended by a physician. The total benefits are subjected to the maximum in-hospitalization limits. During a hospitalization that requires ICU and regular treatment, the insurer shall pay against daily hospital cash or ICU expenses as subjected to deductibles
      • Covers Major Surgeries: The insurer pays a lump sum amount for specific major surgeries that are not resulting due to any pre-existing condition.
      • Covers Minor Surgeries: The insurer pays a lump sum amount for specific minor surgeries that are not resulting due to any pre-existing condition.
      • Ambulance Expenses: The plan covers expenses incurred on the ambulance before hospitalization and after getting discharged from the hospital.

      Exclusions of Tata AIG Wellsurance Executive Plan

      There are a lot of expenses that this plan covers, but the following medical expenses are not covered:

      • All the pre-existing illnesses will be covered after a waiting period of 4-years from the date of policy commencement
      • Any sign of critical illness or disease that appeared within the waiting period of 90 days
      • weight control programs, homeopath or naturopath and Ayurveda treatments
      • HIV and AIDS infection, congenital anomalies or complications, childbirth or pregnancy-related treatments
      • Elective, plastic or cosmetic surgery, unless it has resulted due to accidental injuries
      • Stress, anxiety, mental disorders, depression, and stress
      • Medical expenses resulting due to drugs and alcohol addiction
      • Intentional self-injuries
      • War, invasion, civil war, nuclear weapon, hostilities induced hospitalization
      • Health issues, injuries and illnesses resulting due to involvement in adventure sports and hazardous activities
      • For detailed benefits, limitations, terms & conditions you can refer to the policy wordings

      Claim Process of Tata AIG Wellsurance Executive Plan

      The procedure to file a claim is enumerated below:

      • If the hospitalization is required for any illness or disease then you need to file a claim within 48 hours of taking admission in the hospital
      • If it was done in an emergency then you need to file a claim within 24 hours of the hospitalization
      • You also need to submit the claim form
      • If all the procedures are followed and the documents are submitted then the insurer will recompense the amount/settle the claim within 30 days of submission of all the reports and any other additional information. The claim will be settled in accordance with the IRDA guidelines, 2002.

      Documents Required at the Time of Claim

      The documents that you need to submit are as follows:

      • Claim form duly signed
      • Pharmacy Bills
      • Hospital Bills/Receipts
      • Investigation Reports
      • Operation Theatre Notes
      • Hospital Discharge Summary
      • A prescription from the doctor
      • Claim Intimation proof
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      book-home-visit
      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

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