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Tata AIG Wellsurance Executive Health Insurance

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Tata AIG Health Insurance
Wellsurance Executive Policy
Claim SettlementDedicated Team
Claim Settlement Ratio76.04%
COVID-19 CoverYes
Network Hospitals 3,000+
Policies Sold2,20,583

About Tata AIG Wellsurance Executive Health Insurance

TATA AIG’s Wellsurance Executive Policy is a medical insurance plan which combines the benefit of critical illness coverage with hospitalisation benefits. The plan, therefore, pays a lump sum benefit if the insured suffers from a specified critical illness or undergoes major or minor surgery. Moreover, if the insured is hospitalised, a fixed benefit is paid for the different types of expenses incurred on such hospitalisation.

There is also daily hospital cash benefit in case of hospitalisation due to sickness or accident and a convalescence benefit if the insured is hospitalised for more than a specified period. Besides these standard coverage benefits, the plan also provides value-added benefits which include health line, health portal, e-newsletters for health and wellness, etc. which aim to promote healthy living. The plan comes in three variants of Classic, Supreme and Elite. The sum insured level varies at each variant and increases with an increase in the variant.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage for 9 critical illnesses and specified minor and major surgeries
  • Convalescence benefit if hospitalisation exceeds 5 continuous nights
  • Inpatient and post hospitalisation expenses
  • Daily hospital cash benefit/higher hospital cash for ICU/ICCU admissions
  • Ambulance costs incurred on the usage of an ambulance during the incidence of hospitalisation

What's Not Included

  • Pre-existing illnesses would not be covered in the first 48 months
  • Critical illnesses occurring within the first 90 days would not be covered
  • Mental disorders and treatments taken for them
  • Treatment costs incurred in HIV or AIDS-related illnesses
  • Expenses incurred in the alternative non-allopathic treatment

2155 Tata AIG Cashless Network Hospitals in India

Wellsurance Executive Policy User Reviews

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What users are saying
  • All
  • I trusted to buy Wellsurance executive health insurance plan because it is available from TATA AIG and i trust...

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    By Vaibhav Sahu
    On: Feb 27, 2020
  • This plan comes in three variants and each variant comes for different sum insured options. This plan promotes...

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    By Farookh
    On: Feb 27, 2020
  • It was really easy to buy Wellsurance executive policy from insurancedekho online. Earlier i used to buy polic...

    Read More
    By Manish Bhardwaj
    On: Feb 17, 2020
  • This policy is a mix of critical illness coverage and hospitalisation benefits. I got myself covered under thi...

    Read More
    By Ashok Madhukar Shinde
    On: Feb 17, 2020
  • Wellsurance Executive Policy from TATA AIG is a dual benefit health insurance plan that not only covers hospit...

    Read More
    By Satnam Singh
    On: Feb 05, 2020

Add-ons to Enhance Benefits

  • Free Health Helpline

    Free Health Helpline wherein the insured can avail any information related to health and wellness.

  • TATA AIG Wellsurance Website

    A health portal wherein the insured can get a personalised health tracking tool, read health and wellness related articles, check the list of networked hospitals, compare the medical costs at different hospitals, etc.

  • Health and Wellness Offers

    Offers and discount are also provided on health related services.

  • Wellsurance Health Perks

    Discount on health check-ups at the company’s list of partnered hospitals.

Tata AIG Wellsurance Executive Policy Expert Review

  • Expert Review

    TATA AIG Wellsurance Executive is a uniquely designed health insurance plan which covers almost all types of medical expenses incurred in a contingency. The plan is a combination of a fixed benefit and indemnity plan. It pays a lump sum benefit for most of the coverage sections and in some instances, coverage is allowed up to a specified limit. There are value-added coverage features too and the premiums are also affordable.

    There are three variants of the plan – Classic, Supreme and Elite. The coverage limit under each variant varies. There is no sum insured but a specified amount for different types of expenses and the amount is usually paid in a lump sum in case of covered claims. The policy is offered as an individual plan which can be bought by individuals aged between 18 years and 65 years.

  • Major Attractions

    The major coverage attractions of the plan are as follows –

    • The plan covers nine specified critical illnesses. The critical illness sum insured is paid in lump sum in case the insured suffers from any of the covered critical illness
    • If the insured undergoes a specified major or minor surgery, a fixed amount is paid. The amount depends on the type of surgery undertaken and the coverage variant selected
    • Specific hospitalisation expenses are covered like nurse’s fee, doctor’s visit, medical investigations, inpatient physiotherapy, etc.
    • A daily hospital cash benefit would be paid if the insured is hospitalised for an accident or sickness.
    • If the insured undergoes major surgery, post hospitalisation expenses are also covered and a lump sum benefit is paid
    • If hospitalisation exceeds 5 continuous days, a lump sum convalescence benefit is paid
    • Cost of an ambulance is also covered up to a specified extent
    • Five value-added coverage benefits are allowed under the plan. These include Healthline wherein the insured can avail consultations over the phone, health portal on which health-related information can be accessed, health query under which the insured can make any health-related query, discounted services for health and wellness and e-newsletter wherein health-related news is shared with the policyholder
  • What’s More?

    Besides offering a good scope of coverage, the plan also offers the following benefits –

    • The policy can be renewed lifelong if you continue with the coverage every year
    • The premium paid for the plan would be allowed as a tax-free deduction up to a maximum of Rs.25,000 under Section 80D of the Income Tax Act
    • Free-look period of 15 days is provided at the time of receipt of the policy
  • Conclusion

    This policy is more of a fixed benefit policy which gives you a lump sum claim to meet your medical expenses and also non-medical expenses. The premiums are also affordable and the plan covers both hospitalisation as well as critical illness. Given the wide scope of coverage, the plan is a good buy.

    You can buy the plan online from InsuranceDekho website which is an online platform for insurance policies. You can enter in your details and get the premium calculated instantly. By paying the premium online you can buy the policy instantly and get coverage at the earliest. 

Tata AIG Wellsurance Executive Policy Brochure

  • 202.13 KB
  • PDF Document
  • Jun 03, 2019

Claim Process at Tata AIG Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Wellsurance Executive Policy Health Insurance Plan

  • Is the facility of cashless hospitalisation available under the plan?

    Yes, cashless hospitalisation is available under the plan if the insured takes treatment at any network hospital. The company is tied-up with more than 3000 hospitals at which cashless treatment facility is available.

  • Which critical illnesses are covered under the plan?

    The plan covers cancer, coma, major burns, first heart attack, multiple sclerosis, kidney failure, paralysis, stroke and total blindness.

  • Is there any survival period for critical illness claims?

    Yes, a survival period of 30 days is applicable in case of critical illness claims.

  • What is the available sum insured under the plan?

    The sum insured depends on the coverage variant chosen. For Classic plan the sum insured is Rs. 3 Lakh, for Supreme it is Rs. 5 Lakh and for Elite it is Rs. 5 Lakh.

  • What is the limit of ambulance cost?

    All the plan variants cover ambulance costs up to Rs. 2000.

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