Objective

This policy has been specially designed to insure women. It provides an insurance cover against specific illnesses and other benefits.

Suited for

It can be bought by females on an individual basis.

What does it do?

This policy comes in three variants:- Classic, Supreme and Elite. While Classic is a basic variant, Elite is the highest version of this policy offering larger sum insured compared to the other two. This policy will pay a lump sum in case the insured female contracts any of the covered 11 illnesses. It also pays a daily cash benefit to take care of other routine expenses outside the insurance coverage. The policy can also pay for ambulance, recovery, discounts at specific gyms and spas, and discounts on selected health check-up packages at network hospitals.

Pros

This policy can be bought online.
It allows lifelong renewal and premium paid can avail tax deduction under Section 80D of Income Tax Act.

Our View

This is a recommended policy that can be bought as an add on to a basic health insurance policy. Apart from covering critical illnesses, it provides for other subsidiary expenses which are otherwise not covered under a basic policy. A major advantage is that the policy allows renewal up to lifetime of the insured person.

Eligibility

Entry Age (years)

Minimum

18

Maximum

65

Maximum Policy Renewal Age (years)

Life long renewal

Coverage Type

Individual woman

Policy Term (years)

1

Sum Insured (Rs)

Maximum

As stated in the Covers and Exclusions

Minimum

As stated in the Covers and Exclusions

Grace Period for Policy Renewal

15 days

Policy Termination

Insurer may cancel the policy by providing a 15 days prior notice

Customer Service

Address

Registered Office:TATA AIG Insurance, 9th Floor, Piramal Towers, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400 01

Mail to

customersupport@tata-aig.com

Call to

1800-266-7780

SMS

TAG to 5616181

Scope of Cover

Benefits (per policy year)

Classic

Supreme

Elite

Cashless facility

available if treatment taken in a network hospital

Reimbursement facility

available if treatment availed in a non-network hospital

Critical Illnesses

Cancer

3 lakh

5 lakh

7.5 lakh

First Heart Attack, Stroke, Kidney Failure, Coma, Coronary Artery Bypass, Grafting (CABG), Major Organ Transplant, Total Blindness, Paralysis, Multiple Sclerosis, Major burns

1.5 lakh

2.5 lakh

3.75 lakh

Other benefits

Daily Hospital Cash Benefit(upto 90 days , 1 day deductible)

2000 per day

3000 per day

4000 per day

ICU/ICCU admission (upto 15 days per policy year)

3000 per day

4500 per day

6000 per day

Convalescence benefit (payable after 5 days of continuous hospitalisation

1500

2500

4000

Cosmetic Reconstruction Surgery (only in case of accident)

50000

1 lakh

2 lakh

Ambulance charges

reimburses maximum upto Rs 2000

Health and Wellness Offers

policyholder will receive discounts at select gyms, spas, skin care and weight management centres

Wellsurance Health Perks

Privileged customers get discounts on selected health check up packages at network hospital

Exclusions and Waiting Period

Pre-existing diseases

not covered

No claim period

90 days from inception of the policy

Waiting period

convalescence benefit will be paid after 5 days of hospitalisation

Survival period

insured person needs to survive for a minimum of 30 days starting from the day of contracting any of the covered critical illness