TATA AIG Wellsurance Executive Policy

What is the Plan all About?

Wellsurance Executive Policy takes care of busy executives and ensures their well-being. This health policy provides adequate health cover against unexpected medical emergencies.

3 Plan Variants can be opted under this plan:

Classic Plan
Supreme Plan
Elite Plan

Key Features

Comprehensive health cover
Daily hospital cash benefit
Fixed lump sum benefit for hospitalization and critical illnesses
Avail Wellsurance Advantage
Lifelong renewability
Enjoy tax benefits

Policy Benefits

A daily benefit is payable (subject to deductible) towards In-patient hospitalization due to injury/accident.
A daily benefit is payable towards In-patient hospitalization due to sickness, with 1 day deductible.
Hospitalization expenses such as nursing expenses, physicians visit, physiotherapy, anesthetist fee, MRI, CT Scan, X-Ray, ECG, & other lab test are payable in case of hospitalization due to injury/sickness.
Lump sum amount is payable towards post hospitalization expenses, in case of post operative physiotherapy (minimum 2 visits), chemotherapy (minimum 3 visits) & kidney dialysis.
A daily benefit is payable (subject to deductible) towards ICU charges are covered in case of hospitalization due to injury or sickness. This benefit is applicable for a maximum of 15 days in a policy year.
A one-time lump sum amount is payable for listed critical illness during the policy period.
A lump sum amount is payable for covered major surgeries, not caused due to any pre-existing condition.
A lump sum amount is payable for covered minor surgeries, not caused due to any pre-existing condition.
A lump sum amount is payable towards convalescence, for recovery at home. It is payable after a minimum hospitalization of 5 consecutive nights.

Value Added Benefits

Sum Insured Enhancement at the policy renewal.
Health Line helps you talk to physicians to discuss your daily routine health issues.
By getting access to Health Portal, you can read ‘Health Articles’.
Health Query helps you to post queries regarding health issues that will be answered by a physician.
Get access to Health & Wellness services at well-discounted prices.
e-News Letter helps you get regular updates on Health & Wellness topics.
Ambulance Charges are payable, as specified under the plan.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

Convalescence benefit of Rs 1500, Rs 2500 & Rs 4000 is payable under Classic, Supreme & Elite Plan respectively.
ICU benefit of Rs 3000, Rs 4500 & Rs 6000 per day is payable under Classic, Supreme & Elite Plan respectively.
Under Classic, Supreme & Elite Plan, Critical illness benefit is payable as Rs 3 Lacs, 5 Lacs, & 7.5 Lacs respectively.
For major surgeries, Classic, Supreme & Elite Plan are capped up to Rs 1 Lac, Rs 1.5 Lacs & Rs 2 Lacs respectively. Several other major surgeries are also capped as specified under the plan.
For minor surgeries, Classic Plan is capped up to Rs 15,000, Supreme & Elite Plan are capped up to Rs 20,000.
Hospital daily cash is payable up to 90 days. Hospital cash of Rs 2000, Rs 3000 & Rs 4000 per day is payable under Classic, Supreme & Elite Plan respectively.
Ambulance charges of Rs 2000 are covered under each plan variant.
Nursing expenses of Rs 750, Rs 1000 & Rs 1250 per day is payable under Classic, Supreme & Elite Plan respectively. This benefit is payable up to a maximum of 90 days.
Physicians visit of Rs 750, Rs 1000 & Rs 1250 per day is payable under Classic, Supreme & Elite Plan respectively. This benefit is payable up to a maximum of 90 days.
Investigation cost is capped up to Rs 1250 for Classic Plan and Rs 1750 for Supreme & Elite Plan.
Anesthetist fees for surgeries of Rs 2500, Rs 5000 & Rs 7500 is payable under Classic, Supreme & Elite Plan respectively.
Physiotherapy cost of Rs 750, Rs 1000 & Rs 1250 per day is payable under Classic, Supreme & Elite Plan respectively.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 4 years from the issuance of the first policy.
Hospitalization Waiting period: In-hospital benefit for sickness can be availed after a waiting period of 90 days.
Minor Surgeries Waiting period: There is a waiting period of 90 days for minor surgeries.
Major Surgeries Waiting period: There is a waiting period of 120 days for major surgeries.
Critical Illness Waiting Period: There is a waiting period of 90 days for critical illness benefit and survival period of 30 days is also applicable.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	18 Years	65 Years
Daily Cash	Rs 2000	Rs 4000
Sum Assured	Based On The Specific Illness And Variant Opted	-
Cover Type	Individual	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-