TATA AIG Wellsurance Woman Policy
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TATA AIG Health Insurance
- TATA AIG Wellsurance Woman Policy
TATA AIG Wellsurance Woman Policy
This policy has been specially designed to insure women. It provides an insurance cover against specific illnesses and other benefits.
Key Features
- Benefit amount on diagnosis of any of 11 Critical Illnesses. Higher benefit in case of Cancer
- Cashless hospitalization at over 3000+ network hospitals across India
- Daily Hospital Cash benefit
- Higher Hospital Cash for ICU/ICCU admissions
- Convalescence benefit, for post hospitalization treatment
- Cosmetic Reconstruction Surgery benefit for accidental injuries
- Income Tax benefit under Sec 80D
- Free Look Period of 30 days from the date of policy document receipt to review the terms and conditions of this Policy
Benefits
|
Benefits |
Classic |
Supreme |
Elite |
|
|
1 |
Diagnosed critical Illness (waiting period 90 days, survival period 30 days) |
|||
|
i> |
Cancer of specified severity |
3,00,000 |
5,00,000 |
7,50,000 |
|
ii> |
First Heart Attack of specified severity |
1,50,000 |
2,50,000 |
3,75,000 |
|
iii> |
Stroke resulting in permanent symptoms |
1,50,000 |
2,50,000 |
3,75,000 |
|
iv> |
Kidney Failure requiring regular Dialysis |
1,50,000 |
2,50,000 |
3,75,000 |
|
v> |
Coma of specified severity |
1,50,000 |
2,50,000 |
3,75,000 |
|
vi> |
Open Chest CABG |
1,50,000 |
2,50,000 |
3,75,000 |
|
vii> |
Major Organ Transplant |
1,50,000 |
2,50,000 |
3,75,000 |
|
viii> |
Total Blindness |
1,50,000 |
2,50,000 |
3,75,000 |
|
ix> |
Permanent Paralysis Of Limbs |
1,50,000 |
2,50,000 |
3,75,000 |
|
x> |
Multiple Sclerosis with persisting symptoms |
1,50,000 |
2,50,000 |
3,75,000 |
|
xi> |
Major Burns |
1,50,000 |
2,50,000 |
3,75,000 |
|
2 |
Hospital cash - upto 90 days (Per Day) deductible - 1 day |
2000 |
3000 |
4000 |
|
3 |
Ambulance Charges |
2000 |
2000 |
2000 |
|
while admitting and while discharging from the Hospital |
||||
|
4 |
ICU Benefit - Max 15 days per policy year (Per Day) |
3000 |
4500 |
6000 |
|
5 |
Convalescence Benefit |
1500 |
2500 |
4000 |
|
( payable after continuous Hospitalization for 5 days) |
||||
|
6 |
Cosmetic Reconstructive Surgery (applicable only in case of Accident) |
50000 |
100000 |
200000 |
Details About Premium
Annual premium in Rupees
*The above rates may vary. Check the policy wordings for more details.
Policy Details
Coverage type: Individual women
Grace period: 30 days for renewing the Policy. However, coverage would not be available for the period for which no premium has been received.
Free Look Period: 30 days from the date of receipt of the Policy document to review the terms and conditions of this Policy.
Policy termination: 15 days prior to the expiry of the policy
Additional Features Or Riders
- Sum Assured can be enhanced at the time of renewal
- Wellsurance Health Perks - discounts on selected health check up packages at our wide range of network hospitals
- Ambulance benefit is a lumpsum amount paid on usage of ambulance during the incidence of hospitalization. No waiting period for Accident related hospitalization
- Hospital Cash : 1 day deductible for Hospital Cash benefit. Not applicable for hospitalisation due to any accident.
Exclusions
- Pre existing diseases will not be covered for the first 4 policy years given there has been continuous renewal from the policy start date
- Treatment done in the first 30 days from the commencement of the policy, unless the treatment is done as a result of accident or emergency. This is referred to as a waiting period.
- Any illness or disease contracted due to intake of alcohol/drugs or other addictive substances will not be covered.
- The waiting period for specific conditions will be 24 months Any pre-existing condition will be covered after a waiting period of 48 months
- Any treatment which begins during waiting periods except Accident related / War / Intentional self injury or attempted suicide / Abuse of drugs and alcohol and nicotine addiction / Treatment of Obesity / Sleep Apnoea / Maternity / Psychiatric or mental disorders / Congenital diseases / Conditions related to or arising out of HIV/AIDS / etc.
Documents Required
Policyholder has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.
Eligibility
Entry age is between 18 years to 65 years with lifetime renewal option.
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*
Health insurance companies
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.
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