Objective

This policy aims to provide a fixed insurance cover in case of medical emergencies.

Suited for

Any individual between 18 and 65 years of age can buy this policy for his family as an add-on to existing health insurance cover.

What does it do?

This is a fixed benefit cover which means that it will provide a pre-stated amount in case a covered medical emergency strikes. It is available in three variants- Classic, Supreme and Elite. All three variants offer hospitalisation benefit in the form of daily cash, ambulance charges and convalescence (recovery) benefit. It also pays a pre-fixed amount if insured member contracts any of the covered critical illness. Education benefit in the event of death or permanent total disability of parent is another useful feature.

Our View

This is not a substitute for a basic health insurance policy. Anyone covered under a basic health insurance policy may buy it to widen the scope of insurance coverage. A critical Illness policy is a must if your family history evidences any such disease. Depending on your budget, you may go for this plan as it also offers daily cash benefits along with cover for critical illness

Eligibility

Entry Age (years)

Minimum

18; 6 months for children

Maximum

65; 18 yrs (23 yrs in case studying for higher education) for children

Maximum Policy Renewal Age (years)

Life long renewal

Coverage Type

Family on an individual sum insured basis

Policy Term (years)

1

Sum Insured (Rs)

Maximum

As stated in the policy document. Children will be covered for 50% of basic sum insured

Minimum

As stated in the policy document. Children will be covered for 50% of basic sum insured

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 Plan

Supreme Plan

Elite Plan

Hospitalisation benefits

Hospital Cash (1 day deductible; up to 90 days for 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

Ambulance charges payable per incident of hospitalisation

2000

2000

2000

Convalescence benefit (payable per incident of hospitalisation)

1500

2500

4000

Critical Illnesses (available for self and spouse only)

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

2 lakh

3 lakh

4 lakh

Education benefit

50000

1 lakh

2 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 4 years 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