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.

Tata AIG Wellsurance Family Health Insurance Wordings

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Highlights

Claim Settlement	Dedicated Team
Claim Settlement Ratio	76.04%
COVID-19 Cover	Yes
Network Hospitals	3,000+
Policies Sold	2,20,583
Renewability	Lifelong

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Tata AIG Wellsurance Family Brochure

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Jun 08, 2019

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Tata AIG Health Insurance Plan List

Senior Citizen (1)
Family (5)
Individual (5)
Kids (2)
Maternity (1)
Woman (1)
Parents (1)
Critical Illness (2)

Name of Plan	Sum Insured
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 18 years; Max: 65 years	50,000 - 5 lakh	Check Premium
MediCare PremierMin: 91 Days; Max; 65 Years	5 Lakh	Check Premium
MediCare Min: 91 Days; Max: 65 Years	3 Lakh	Check Premium
Wellsurance WomanMin: 18 years; Max: 65 years	3 Lakh	Check Premium
Wellsurance FamilyMin: 6 months; Max 65 years	2 Lakh	Check Premium
Wellsurance Executive Policy Min: 18 Years; Max: 65 Years	3 Lakh	Check Premium
Critical Illness PolicyMin: 18 Years; Max: 65 Years	2.5 Lakh	Check Premium
Medicare Protect PolicyMin: 91 days; Max: 65 years	2 Lakh - 5 Lakh	Check Premium

Tata AIG Health Insurance Top Up List

Individual (1)
Top-up (1)

Name of Plan	Sum Insured
Medicare Plus PolicyMin: 91 days; Max: 65 years	3 Lakh - 1 Crore	Check Premium

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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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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.

Tata AIG Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Tata AIG Health Insurance
1800-266-778024x7
customersupport@tataaig.com