Objective

This policy aims to provide insurance coverage to all family members and the sum insured for each member can be chosen by the policyholder.

Suited for

Any individual between 18 to 65 years of age can buy this policy as an add-on to a basic health insurance.

What does it do?

It is a fixed benefit policy and comes in three variants- Classic, Supreme and Elite. Classic is the lowest variant offering low sum insured and Elite is the top most variant. This policy covers hospitalisation expenses, surgeries, 9 critical illnesses and post hospitalisation expenses. Each benefit is fixed at the amount stated in policy document. The policy will pay the specified lump sum if a claim is made.

Pros

Cover for postoperative physiotherapy and kidney dialysis is useful.
This policy can be bought online and allows lifelong renewal.
Premium paid towards this policy is deductible under Section 80D of the Income Tax Act.

Our View

The policy will pay a fixed benefit as stated in the policy statement.Though it offers wide coverage, it is not a substitute for basic health policy. This is a critical illness plan offering hospitalisation and other benefits as add-ons. This policy can be bought as an add-on to a basic health insurance to enhance the scope of coverage. A critical illness policy is a must for those who with a family history of any such illness.

Eligibility

Entry Age (years)

Minimum

18

Maximum

65

Maximum Policy Renewal Age (years)

Life long renewal

Coverage Type

Individual

Policy Term (years)

1

Sum Insured (Rs)

Maximum

As stated in the policy document

Minimum

As stated in the policy document

Grace Period for Policy Renewal

15 days

Policy Termination

Insurer may cancel the policy by providing a 15 days prior notice. Insured person may also cancel the policy at any time. Insurer will refund a proportionate premium as stated in the policy document

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

Plan Options

Classic

Supreme

Elite

Hospitalisation benefits

Hospital Cash (up to 90 daysfor room rent, boarding, etc)

2000 per day

3000 per day

4000 per day

ICU Benefit (upto 15 days)

3000 per day

4500 per day

6000 per day

Nursing andPhysicians Visit

750 per day

1000 per day

1250 per day

Investigation -MRI

2500

3500

3500

Investigation u0096 CT Scan orDoppler study

1250

1750

1750

Investigation u0096 Lab Test,X-ray or ECG

350

500

750

Anesthetist's fees

2500

5000

7500

Physiotherapy - while hospital confined upto 30 days

750 per day

1000 per day

1250 per day

Ambulance charges

2000

2000

2000

Convalescence benefit(payable after 5 continuous days of hospitalisation

1500

2500

4000

Major and minor surgeries

covered upto a certain sum as stated in the policy document

Post Hospitalisation- outpatient expenses

Post operative physiotherapy minimum 2 visits

3500

5000

7000

Chemotherapy/Radiation u0096 min. 3 visits

150000

250000

300000

Kidney Dialysis

150000

200000

250000

Critical Illnesses

Cancer / First Heart Attack/ Stroke / Kidney Failure / Coma / Total Blindness / Permanent Paralysis of limbs / Multiple Sclerosis / Major burns

3 lakh

5 lakh

7.5 lakh

Other benefits

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

covered after 48 months of continuous policy renewal

No claim period

90 days from inception of the policy or 120 days for major surgeries

Waiting period

90 days from inception of the policy

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