Top Women Specific Health Insurance Plans Offered by TATA AIG General Insurance

It is high time now that we bring into practice the concept of feminism. Equality for women is what we talk about in theory, but in practice, we fail to indulge in it. While taking a health insurance policy, which is crucial for every individual, women of the family are usually included in the family floater plans. Such plans do not bear any useful benefits for the women at times of emergency. However, if we consider the individual plans specifically designed for women, then we can analyze that special benefits like maternity plans, cosmetic surgery, and insurance cover for newborns are also included, which are more fruitful than regular covers offered by the companies. 

TATA AIG General Insurance is a global leader in the health insurance company and is very well known for its trustworthy services. It has a customized health insurance plan which is primarily for women. TATA AIG General Insurance has introduced into the market an exclusive plan for women which is TATA AIG Wellsurance Women. 

TATA AIG Wellsurance Women

TATA AIG Wellsurance Women incorporates the benefits of regular health insurance policies and also some additional advantages like cosmetic reconstructive surgery, cashless benefits, health and wellness discount, critical illness cover, and many more. The plans under this policy come under three variants - Classic, Supreme, and Elite. Another added advantage is that the policy can be bought online using the TATA AIG General Insurance online portal, making the whole process quick and hassle-free. Let us look at some of the key features of TATA AIG Wellsurance Women: 

• It provides cashless benefits in 3,000+ linked hospitals to its policyholders. 
• Daily hospital cash benefits are included by the company. 
• In case of accidental injuries, cosmetic reconstruction surgery benefits are available. 
• Income tax benefits are available under Section 80D of the Income Tax Act 
• The insurer provides a free-look period of 15 days to its customers. 

Value-Added Benefits And Covers Included In TATA AIG Wellsurance Women Plan

TATA AIG Wellsurance Women policy has an entry age limit, which ranges from 18 to 65 years with a lifetime renewability option. Along with the comprehensive coverage plans, the policy includes some value-added benefits that make the TATA AIG Wellsurance Women policy different from other regular policies. Some extra added covers are: 

• The policy covers 11 critical illnesses with or without hospitalization for its policyholders. 
• The insured get access to a free helpline number, which can be dialed to seek medical advice from experts. 
• The network partners of the company offer attractive discounts in over 200 gyms, spas, and skin cares. 
• Health check-up discounts are available at the partner hospitals. 
• Ambulance charges are covered under the TATA AIG Wellsurance Women policy. 
• In case of an accident, the amount for cosmetic reconstruction surgery is paid in a lump sum. 
  After continuous hospitalization for 5 days, convalescence benefits are paid in a lump sum. 
  At the time of renewal, the sum assured can be enhanced. 

Exclusions In The TATA AIG Wellsurance Women Policy

Certain features and benefits that are not included in the TATA AIG Wellsurance Women policy are: 

• Policy benefits cannot be availed for pre-existing diseases during the first 4 policy years. 
• Charges for the treatments done within 30 days from the commencement of the policy will not be included unless it is an accident or emergency.
• Covers for diseases or illnesses due to alcohol intake or any other addictive substance will not be included. 
• For some conditions, the waiting period is 24 months, while for pre-existing conditions it is specified to be 48 months. 
• Claim for any treatment which begins during the waiting period will not be settled. Exceptional cases include accidents or emergencies.

Conclusion 

TATA AIG Wellsurance Women Plans can be purchased online by providing the necessary documents digital copies. In some cases, a medical examination might be required, which depends on the sum insured and the age of the applicant. Make sure you go through the policy-related documents carefully.

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Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.