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Knowledge Base Health Insurance Tata AIG Wellsurance Plan Review
Friday, 11 March 2011 18:20

Tata AIG Wellsurance Plan Review

Written by  Yashish Dahiya
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Tata AIG Wellsurance Review


Plan Name: Wellsurance
Insurer: Tata AIG General Insurance Company Limited
Category: Health Insurance
Objective: Ensure good healthcare services of your preference

Major USP of Wellsurance:


 

  • Three variants to suit everyone’s need 
  • Critical illness benefit

What are the features of Tata AIG Wellsurance?


Critical Illness: The critical illnesses covered under Wellsurance are Cancer, First Heart Attack, Stroke, Kidney Failure, Coma, Coronary Artery Bypass Grafting, Major Organ transplant, total blindness, Paralysis, Multiple Sclerosis and Major Burns.

Hospital Cash: Additional cash is paid to the insured for miscellaneous expenses.

Convalescence Benefit: Additional amount is made available to the insured after five continuous days of hospitalization.

Tax benefits: You can avail tax benefits under Section 80D to maximum amount of Rs 15,000. For senior citizens, the maximum amount is Rs 20,000.

Tata AIG Wellsurance Variants:


Wellsurance has three types and the benefits vary accordingly. These are:

Wellsurance Family: The additional benefit in Wellsurance Family is Education Benefit which varies from Rs 50,000 to Rs 200,000 as per the Sum Assured opted for. The Sum Assured available with Wellsurance Family is Rs 2, 3 and 4 lacs.

Wellsurance Woman: The additional benefit is cosmetic reconstructive surgery if the insured is involved in accident. The coverage amount varies from Rs 50,000 to Rs 200,000. The Sum Assured for cancer is Rs 3, 5 and 7.5 lacs. For other critical diseases, the Sum Assured is Rs 1.5, 2.5 and 3.75 lacs respectively.

Wellsurance Executive: The additional benefit is the coverage for minor and major surgeries. The Sum Assured for critical diseases is Rs 3, 5 and 7.5 lacs.

What is not covered in Tata AIG Wellsurance?


Wellsurance, a comprehensive health plan does have some exclusions which are:

 

- Any pre existing disease is not cover nor any complication arising from it

- Treatment for internal and external congenital diseases

- Non allopathic treatments

- Cosmetic treatments or plastic surgery

- Abuse of intoxicant things like alcohol or drugs

- Self inflicted injuries

- Mental Disorders

- Act of war, nuclear war or radiation

There are few more exclusion’s which can be verified from the policy document.

Who can buy Tata AIG Wellsurance?


Wellsurance can be bought by anyone aged from 18 years to 65 years. Children from 6 months to 18 years can be covered under same policy. Wellsurance Executive and Woman can be renewed lifelong.

How much premium for Tata AIG Wellsurance?


Mr. Narula aged 30 buys Wellsurance with Sum Assured of Rs 3 lacs. The annual premium is Rs 3,583.

Policybazaar view on Tata AIG Wellsurance:


Wellsurance has been specifically designed for critical illnesses. The treatment of critical illness can be very expensive which Wellsurance covers. Special consideration has been made to the needs of customers in the form of its variants. The coverage of major and minor surgeries is also excellent benefit in Wellsurance Executive.

 

Compare with Other Health Insurance Plans

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9 comments
  • Comment Link P Rajesh Monday, 23 May 2011 16:09 posted by P Rajesh

    I want this policy for my family

  • Comment Link n k chopra Wednesday, 06 July 2011 08:02 posted by n k chopra

    I want to what is the difference between medical insurance policy and Tata AIG well surance policy.

    Please clear me what is entitlement (room charges & doctor fees etc) during the hospitalization.

  • Comment Link Administrator Wednesday, 06 July 2011 16:12 posted by Administrator

    Dear N K Chopra
    Tata AIG offers more benefits and has special coverage through its variants. A normal medical insurance policy would not have cosmetic coverage as well as education benefit. Tata AIG does not cover pre existing diseases which most other health insurance policies do.

    The entitlement is subject to the Sum Assured opted.

  • Comment Link Rajesh Saturday, 24 September 2011 17:24 posted by Rajesh

    While taking this AIG policy do we need to give medicaltest?
    How to identify this is a pre existing dieases

  • Comment Link Administrator Tuesday, 27 September 2011 15:54 posted by Administrator

    Hi Rajesh
    Medical test requirement is up to insurer.
    Pre-existing condition is any medical problem you might have. If you are suffering from medical ailment, then that particular problem or any problem arising from it will be not be covered.

  • Comment Link manoranjan jha Friday, 05 October 2012 22:26 posted by manoranjan jha

    (1)how long to take wellsure family health policy maximum year(2)after each 5 years what% premium increase ?(3)how many % increase into sum insured each year into no claim ?(4)?we take treatment other hospital,aig give treatment money,(5)

  • Comment Link Administrator Tuesday, 09 October 2012 18:32 posted by Administrator

    Hi Manoranjan
    1. You can take the plan for 1 year and can renew after each year for entire life if no break inbetween.
    2. Premium increase depends on the company, it may or may not increase the premium
    3. There is no increase in Sum Assured
    4. You can apply for claim amount in case you take treatment in non-network hospital.

  • Comment Link Harshal Tuesday, 18 December 2012 23:38 posted by Harshal

    Does it includes surgery charges ??
    Take for example if I got to hospitalization for the 5 days, for the some sort of surgery, than, am I able to claim for the surgery charges.or I will just land up in gettting 10,000 only.

  • Comment Link Administrator Friday, 21 December 2012 17:55 posted by Administrator

    Hi Harshal
    Different surgeries have different amount limits. For instance, amount payable in case of hernia repair is Rs 15,000 (classic variant) and amount payable will be Rs 100,000 in case of marjor organ transplant. So it depends whether surgery is major or minor. There are also additional payout for other hospital expenses.

    However this policy is different from other health insurance plan wherein medical expenses are covered up to the limit of Sum Assured regardless whether surgery is minor or major.

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