TATA AIG Wellsurance Family Policy – Family Fixed Benefit Plan

What is the Plan all About?

You always want to secure your family with the best health insurance. Wellsurance Family Policy provides you financial cover against unexpected medical emergencies. It takes care of your family’s well-being.

3 Plan Variants can be opted under this plan:

Classic Plan
Supreme Plan
Elite Plan

Key Features

Comprehensive family cover
Daily hospital cash benefit
Fixed lump sum benefit for hospitalization and critical illnesses
Avail unique wellness benefits
Migration option for dependents at their exit age
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.
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 lump sum amount is payable for listed critical illness on the first occurrence during the policy period.
A lump sum amount is payable towards convalescence, for recovery at home. It is payable after a minimum hospitalization of 5 consecutive nights.
In the event of accidental death or permanent total disability of the principal insured, education benefit is payable to eligible children.

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.
Specified diseases and accidents are covered anywhere in the world.
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 paid upto 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 2 Lacs, 3 Lacs, & 4 Lacs respectively.
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.
Education benefit of 0.5 Lac, 1 Lac & 2 Lacs is is payable under Classic, Supreme & Elite Plan respectively.
50% coverage is provided in case of each child.

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.
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)	Adult: 18 Years, Children: 6 Months	Adult: 65 Years, Children: 23 Years
Daily Cash	Rs 2000	Rs 4000
Sum Assured	Based On The Specific Illness And Variant Opted	-
Cover Type	Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-