Wellsurance Family Health Policy
Introduction/Overview Wellsuranceoffers a bundle of health insurance benefits right from covering hospitalisation expenses to childrens education benefit in case of accidental death. The policy also pays benefit amount on diagnosis of 11 specified critical illnesses. The family plan option of Tata AIG Wellsurance extends the policy cover to all the members of the family. Tata AIG Wellsurance Family pays special attention to each member of your family, to prevent unexpected emergencies from affecting your financial health. This policy aims to provide a fixed insurance cover in case of medical emergencies. Key Features Guaranteed insurance cover at renewals. Hospitalisation & Post-Hospitalisation: Fixed lumpsum paid to cover hospitalization, Intensive care unit (ICU) admission and convalescence benefit Fixed benefit payable on diagnosis of any of the 11 covered critical illnesses. Coverage continues for remaining covered critical illnesses even after claiming benefit for diagnosed critical illness. Childrens Education benefit in case of Accidental death/Permanent total disability of the policyholder. Cashless claim settlement across a 3000+ network of hospitals in India Get Double Claim Benefit. You can claim with us even if you have filed a claim under any other health insurance policy and benefit is payable irrespective of actual expenses. lifelong renewal provided premium is paid without any break. unique Wellness benefits. Sum Insured Enhancement Income tax benefit on the premium paid as per Section 80D of the Income Tax Act. Family Floater Option is allowed under this plan. 10% Family discount in Individual plan if 3 or more family members are covered. Free Look Period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy
Wellsurance Family Health Policy Overview
Sum Inssured can be enhanced at the time of renewal Coverage for children under the policy will be 50% of Sum Insured limits Wellsurance Health Perks – discounts on selected health check up packages at our wide range of network hospitals Children over 6 months can be covered No waiting period for accident related hospitalization 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.
Details About Premium Annual premium in Rupees *The above rates may change. Please check the policy wordings for more details. Policy Details Coverage type: Individual/ family floater 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 :15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. Policy termination: 3 months prior to the expiry of the policy
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 for the policyholder, spouse and parents is 18 years to 65 years with lifetime renewal option. Tata AIG General Insurance Launches Three New Health Products for Consumers Tata AIG to Double its Exposure in Health Insurance