Tata AIG Wellsurance Woman Health Insurance

The policy covers hospitalisation expenses as well as critical illnesses. The major coverage attractions include the following –

• There is coverage for eleven specified critical illnesses and treatments. The coverage amount for critical illnesses, depending on the variant selected, is paid in a lump sum if the insured suffers from any of the covered conditions
• In the case of sickness-related hospitalisation as well as for accident-related hospitalisation, a daily cash benefit is paid for each completed day of hospital admission
• In case the female is admitted to the ICU, a specified cash benefit would be paid for each day of ICU admission
• Cost of transporting the insured to the hospital in an ambulance is also covered under the plan
• A lump sum convalescence benefit is paid if the insured remains hospitalised for 5 days and above
• Since the plan is for females, cosmetic reconstruction surgeries are also covered if such surgeries become necessary due to an accidental injury or disease.
• Women can also avail value-added coverage benefits of health consultations, health-related news, discounts on health and wellness services, solutions to health-related questions, etc. These value-added benefits are available free of cost

Besides the above-mentioned coverage benefits, women can also enjoy the following –

• Lifetime renewals without any cover ceasing age
• Reduction in tax liability under Section 80D of the Income Tax Act on the premiums paid for the plan
• Benefits of free look in period and easy portability option

Wellsurance Woman is a good health insurance plan for women especially since it also covers cosmetic surgeries which are relevant for women. The policy provides a lump sum benefit which helps women meet the financial implication of a health contingency.

Women can buy the policy online from InsuranceDekho website. Online purchases are convenient and cut down on unnecessary hassles in buying. InsuranceDekho is a reputed website which not only allows women to buy the policy with simple clicks of a mouse, it also helps them buy the policy after analysing their needs. 

For cancer, the coverage level is Rs. 3 Lakh under Classic, Rs. 5 Lakh under Supreme and Rs. 7.5 Lakh under Elite plans. For other critical illnesses, the coverage is reduced by half and is Rs. 1.5 Lakh for Classic, Rs. 2.5 Lakh for Supreme and Rs. 7.5 Lakh under Elite plan options.

If the insured is diagnosed with a covered critical illness after the first 90 days of buying the policy and if the insured survives for 30 days post the diagnosis of the illness, the critical illness sum insured would be paid in one lump sum.

If the insured suffers an accident and a cosmetic surgery is required to reconstruct a body part which has suffered a severe deformity or for restoring or improving the body function, claim is paid for such cosmetic surgeries.

Cosmetic reconstruction surgeries incurs a fixed claim payment of Rs. 50,000 under Classic Plan, Rs. 1 Lakh under Supreme Plan and Rs. 2 Lakh under Elite Plan.