Tata AIG Wellsurance Family Health Insurance Plan

Wellsurance Family is a single policy for you and your family. The policy goes beyond health insurance in that it is a unique combination of and wellness offers. Policyholders can avail of higher daily cash cover if a family member is admitted to the ICU in addition to children’s education benefit and several value added services such as healthline queries, wellness discounts, health portals and regular health newsletters. There are three variants - Classic, Supreme and Elite under the policy.

Features & Benefits of Tata AIG Wellsurance Family Plan:

The salient features of Tata AIG Wellsurance Family policy are listed in the table below

Entry Age 18 to 65 years
Coverage Type
  • Wellsurance is a family coverage plan. While a family floater plan covers the family members under a single sum insured, under a family coverage plan, there are separate coverage options for each family member
  • In a family floater plan, if a family member is hospitalized, only the unutilised sum insured is available. However, in a family coverage plan, full benefits are available for each of the family members
Renewability Lifetime. Grace Period of 30 days for renewing the Policy. Coverage would not be available for the period for which no premium is paid
Payout Basis Fixed amount on occurrence of a covered event
Waiting Period
  • Waiting period of 90 days and survival period of 30 days for all critical ailment benefits
  • Waiting period of 90 days for sickness related hospitalization benefits
  • No waiting period for accident related ailments
  • Critical illness benefits are available on diagnosis of specified ailments without hospitalisation of the insured. In case of hospitalisation, policyholders can avail of cashless claim facility.
  • Sum Insured can be enhanced only at the time of renewal (quantum as per underwriting guidelines of the company)
  • Hospital cash benefits are payable based on the number of days the insured is hospitalized. Higher hospital cash for ICU admissions
  • Child education benefit is payable in lumpsum in the event of the death or permanent disability of the primary insured
  • Benefit amount on diagnosis of 11 specified critical ailments
  • Convalescence benefit is paid in lumpsum after hospitalisation for 5 days.
  • Value added benefits include expert medical practitioners, personalized health tracker, access to exclusive health and wellness articles among others
  • Discounts at select gyms, spas, skin care and weight management centers
  • Discounts on select health check-up packages at network hospitals
  • Ambulance benefit includes a lumpsum amount paid during hospitalization
  • Critical illness benefit for each ailment is not paid more than once
  • Critical illness benefits are not available for children covered under the policy
  • All benefits are reduced by 50% for children covered in the policy
  • Pre-existing conditions and related complications are excluded except in cases where the insured has been covered for four consecutive years since inception of the policy
  • First 90 days for hospitalisation
  • Hospitalisation outside India
  • Spondylitis treatment
  • Congenital and pregnancy related diseases
  • Non-allopathic treatments like Ayurveda, naturopathy or homeopathy
  • War, invasion and persons in military or armed forces
  • Toxic or radioactive contamination
  • Professional sports or any other dangerous activity
  • Cosmetic or plastic surgery
  • Overdose of drugs and alcohol
Tax Benefits Tax benefits are available as per section 80D of the Income Tax Act

The benefits offered by the three variants in the policy are listed in the table below

Benefits Classic Supreme Elite
Diagnosed Critical Illness Rs. 2,00,000 Rs. 3,00,000 Rs. 4,00,000
Hospital Cash Rs. 2,000 per day Rs. 3,000 per day Rs. 4,000 per day
Ambulance Charges Rs. 2,000 Rs. 2,000 Rs. 2,000
ICU Benefit Rs. 3,000 per day Rs. 4,500 per day Rs. 6,000 per day
Education Benefit Rs. 50,000 Rs. 100,000 Rs. 2,00,000
Convalescence Benefit Rs. 1,500 Rs. 2,500 Rs. 4,000

Other Health Insurance Plans from Tata AIG:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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