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Tata AIG Wellsurance Family Health Insurance

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Tata AIG Health Insurance
Wellsurance Family
Claim SettlementDedicated Team
Claim Settlement Ratio76.04%
COVID-19 CoverYes
Network Hospitals 3,000+
Policies Sold2,20,583
RenewabilityLifelong

About Tata AIG Wellsurance Family Health Insurance

TATA AIG’s Wellsurance Family Policy is a unique medical insurance plan which combines critical illness and hospital cash benefits along with other coverage benefits. The plan is a combination of fixed benefit and indemnity coverage as some benefits are paid as fixed benefits while some are paid at actuals. The main coverage under the plan is for specified critical illnesses. If the insured is diagnosed with any of the covered illness, the sum insured is paid in a lump sum. Besides critical illnesses, the plan also pays a daily benefit in case of hospitalisation.

The plan is available in three variants: Classic, Supreme and Elite with the sum insured of Rs. 2 Lakh, Rs. 3 Lakh, and Rs. 4 Lakh respectively. The sum insured is paid in case of critical illness claim and for other claims, the limit of coverage is specified in each variant of the plan.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage against 11 critical illnesses
  • Ambulance costs are paid for transporting the insured to the hospital
  • A lump sum convalescence benefit is paid if the insured is hospitalised for five or more days
  • Education benefit is available in case of accidental death or disablement
  • A daily benefit is paid in case of hospitalisation due to sickness or accident

What's Not Included

  • Pre-existing illnesses are not covered within the first 4 years of the plan
  • Critical illnesses are not covered within the first 90 days of the plan
  • AYUSH treatments and other non-allopathic treatments are not covered
  • Medical expenses incurred due to alcohol or drug abuse are not covered
  • Mental or psychiatric disorders are not covered

4975 Tata AIG Cashless Network Hospitals in India

Wellsurance Family User Reviews

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What users are saying
  • All
  • Perfect one for family

    I purchased this policy from insurancedekho last year and have renewed it too this year. They approved my request timely for claim settlement when my wife got hospitalised. I am happy that I got a plan that covers my entire family and it really helped me at the time of emergency.   

    A
    By Akanksha singh
    On: Feb 28, 2020
  • Helpful product

    I liked wellsurance family health insurance plan for my family because it offered me many benefits like critical illness cover, lump sum convalescence benefit, and the best part is education benefit which is provided in case of accident. The plan also provides daily benefit and i get all this at nominal premium.   

    R
    By Rajat Jain
    On: Feb 28, 2020
  • Nice family plan

    Wellsurance family policy is the perfect plan to cover yourself and your loved ones. I have this plan for sum insured of Rs. 2 lakh and it gets me covered for daily hospital cash benefit, education benefit, ambulance costs and cover for 11 critical illnesses. Its a nice product   

    V
    By Vincent Joseph Sumanth
    On: Feb 17, 2020
  • Good product from tata aig

    I am covered under wellsurance family plan which covers me for a lump sum convalescence benefit if i get hospitalised for five or more days. Ambulance costs are also paid. And 11 critical illness are covered too under the sum insured option i chose.   

    K
    By Khushboo Gupta
    On: Feb 17, 2020
  • Gives education benefit

    The best thing about this plan is that it gets me covered for education benefit in case of accidental death or disablement. Also, it covers expenses against 11 critical illnesses, ambulance costs, convalescence benefit, daily benefit paid for hospitalisation etc. I am satisfied with this plan and recommend it to others too   

    G
    By Gola Rahul Kiran
    On: Feb 05, 2020

Tata AIG Wellsurance Family Expert Review

  • Expert Review

    TATA AIG Wellsurance Family is a family floater health plan which covers you and your family under a single plan. The plan works on a fixed benefit basis meaning that a lump sum amount is paid if you incur the specified medical expenses. Besides the coverage for ambulance costs, which is covered on an indemnity basis, all other coverage benefits offer fixed payments which you can use for your medical or non-medical financial obligations.

    The plan has three variants and each variant offers a different coverage limit. The variants are Classic, Supreme and Elite. Different coverage benefits have different coverage levels and so there is no particular sum insured option under the plan. Adults aged 18 years to 65 years can buy the plan while for dependent children the entry age is 6 months. Children would be covered up to 23 years and the floater plan can be taken for self, spouse and up to two dependent children.

  • Major Attractions

    The coverage benefits of the plan are its major attractions which include the following –

    • 11 critical illnesses are covered under the plan. If the insured suffers from any of the covered illness, the critical illness sum insured is paid at once. The sum insured for critical illness coverage ranges from Rs. 2 Lakh to Rs. 4 Lakh depending on the plan variant
    • In case of hospitalisation, whether due to accidents or sickness, the plan pays a specified daily benefit for each day that the insured is admitted to the hospital
    • In case the insured is admitted in the ICU, an increased daily benefit is paid for each day
    • Ambulance costs are covered up to specified limits
    • In case hospitalisation exceeds 5 continuous days, a lump sum convalescence benefit is paid under the plan
    • In case of accidental death or permanent total disability suffered by the insured, a lump sum education benefit is paid to meet the education costs of the dependent child
    • There are various value-added benefits too which include health line, health portal, e-newsletters, health query and discounts on health and wellness related services
  • What’s More?

    Besides offering a good coverage, the plan also offers the following benefits –

    • The premiums paid are allowed as a deduction up to a limit of Rs. 25,000 as per the provisions of Section 80D
    • The plan allows lifelong renewability for the policyholder and his/her spouse
    • Easy portability option is available under the plan
  • Conclusion

    TATA AIG’s Wellsurance Family is a good health insurance plan with unique coverage benefits which not only take care of the medical expenses but also of other non-medical expenses which cause a strain in times of emergencies. So, you can buy the plan and get yourself protected against medical emergencies.

    The policy can be bought online from your own home or office. InsuranceDekho website offers you the ease of buying the policy from its portal. You can do a need analysis using the website’s analysis tools to find the most optimal coverage for your family. So, go online and buy the policy from InsuranceDekho website.

Tata AIG Wellsurance Family Brochure

  • 401.46 KB
  • PDF Document
  • Jun 08, 2019

Claim Process at Tata AIG Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Wellsurance Family Health Insurance Plan

  • Does the plan have any value-added benefits?

    Yes, a range of value-added coverage benefits are available under the plan. These include health line for doctor’s consultations, health portal for monitoring one’s health, health query for raising health related questions, discounted health and wellness related services and e-newsletters containing health related articles.

  • Which critical illnesses are covered under the plan?

    The plan covers 11 illnesses which include first heart attack, cancer, major burns, stroke, total blindness, kidney failure for which regular dialysis is required, multiple sclerosis, coma, open chest CABG, permanent paralysis of limbs and transplant of a major organ or bone marrow.

  • Is there any survival period for critical illness claims?

    Yes, the insured is supposed to survive for at least 30 days after the diagnosis of the illness to become eligible for critical illness claims.

  • What is the limit of hospital cash benefit and for how long is the benefit paid?

    The limit of hospital cash benefit is 1% of the sum insured. That means that for Classic Plan where the sum insured is Rs. 2 Lakh, hospital cash is payable @ Rs.  2000. For the other two plan variants of Supreme and Elite where the sum insured is Rs. 3 Lakh and Rs. 4 Lakh respectively, hospital cash is paid @ Rs. 3000 and Rs. 4000 respectively. Hospital cash benefit is paid for a maximum of 90 days.

  • Is the benefit paid on ICU admission higher?

    Yes, if the insured is admitted to the ICU, the hospital cash benefit would be higher. It would be Rs. 3000, Rs. 4500 and Rs. 6000 for the three variants of Classic, Supreme and Elite respectively.

  • What is convalescence benefit?

    If the insured is hospitalised for 5 days or more, a convalescence benefit is paid in lump sum to pay for the recovery expenses. The lump sum benefit paid as convalescence benefit is Rs. 1500 for Classic variant, Rs. 2500 for Supreme variant and Rs. 4000 for Elite variant.

  • What is education benefit?

    If the insured suffers accidental death or permanent total disability due to an accident, a lump sum education benefit is paid under the plan. The value of benefit is Rs. 50,000 for Classic variant, Rs. 1 Lakh for Supreme variant and Rs. 2 Lakh for Elite variant.

  • What is the eligible age for buying the plan?

    Adults can buy the plan from ages 18 years to 65 years. Children aged 6 months to 18 years can be covered under the plan. 

  • For what age does the coverage continue?

    For adults coverage is available lifelong. For children, however, coverage is available for up to 23 years of age.

  • How many individuals can be covered under the plan?

    Up to four individuals can be covered under the plan which includes self, spouse and up to two dependent children.

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