TATA AIG Wellsurance Woman Policy – Health Insurance For Women

What is the Plan all About?

Women always look after the well-being of the entire family, but they don’t get time for her health. Wellsurance Woman Policy is a health policy crafted for women that helps them take care of all the health insurance needs.

Key Features

Complete health cover
Avail Daily hospital cash benefit
In-hospital benefit for accidents/sickness
Critical illnesses benefit
Get convalescence benefit
Lifelong renewability available
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 one-time lump sum amount is payable for listed critical illness, when occurred the first time 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.
A specified amount is paid towards Cosmetic Reconstruction Surgery.

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.
Cosmetic Reconstruction Surgery for Rs 0.5 Lac, 1 Lac & 2 Lacs is payable under Classic, Supreme & Elite Plan respectively.
Under Classic, Supreme & Elite Plan, Critical illness benefit is capped up to Rs 3 Lacs, 5 Lacs, & 7.5 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.

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)	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 Periodq	15 Days	-
Riders	Nil	-