Are you a Tata AIG employee in the United States looking for health insurance? TATA AIG Wellsurance Executive Health Plan is a great option for you. It provides excellent coverage at a lower cost compared to other health plans. With this plan, you can select from various insurance options that suit your specific needs. Rest assured, you’ll be getting the best value for your money. Don’t wait any longer! Sign up today and take a step towards a healthier future.
The TATA AIG Wellsurance Executive health insurance plan is truly unique. It covers almost all types of medical expenses that might arise during an emergency. This plan combines a fixed benefit and indemnity approach. For most coverage areas, you receive a one-time lump sum payment, and in some cases, coverage is available up to a set limit. Moreover, the plan includes valuable additional coverage features and offers affordable premiums.
TATA AIG Wellsurance Executive Health Plan
The Wellsurance Women Policy offered by Tata AIG Health Insurance provides comprehensive health coverage specifically designed for women. This plan includes various benefits such as coverage for critical illnesses, cosmetic surgery, cashless facilities, and discounts on health and wellness products, all tailored to meet the unique needs of women. Additionally, the policy covers hospitalization expenses and provides daily cash benefits. There are three versions of the plan: Classic, Supreme, and Elite. Let’s take a closer look at each plan and its different options.
Whether you work as an executive at TATA AIG Wellsurance or simply want to prioritize your health, this plan is a perfect fit for you. It provides a wide range of benefits, including coverage for hospitalization, surgical procedures, and more. You can trust that the doctors and hospitals participating in this plan are reputable and knowledgeable about the latest treatments and technology. If you’re seeking a high-quality health insurance plan that offers great value, the TATA AIG Wellsurance Executive Health Plan is the right choice for you.
About Tata AIG Wellsurance Executive Health Insurance
The Wellsurance Executive Policy from TATA AIG is a medical insurance plan that offers benefits for critical illnesses and hospitalization. If someone insured under this plan experiences a specific critical illness or undergoes major or minor surgery, they will receive a lump sum payment as a benefit. Additionally, if the insured person is admitted to the hospital, the plan covers all the associated costs up to a predetermined limit.
Furthermore, if the insured person stays in the hospital for an extended period due to illness or an accident, the policy provides a convalescence benefit and daily cash benefit. Apart from the standard coverage benefits, the plan includes value-added benefits like a health line, health portal, and health and wellness e-newsletters, all aimed at promoting healthy lifestyles. The plan is available in three versions: Classic, Supreme, and Elite, with varying levels of coverage and higher sums insured as you move up the variants.
Best Features of Tata AIG Wellsurance Executive Policy
Looking for a great executive policy that meets all your business needs? Tata AIG Wellsurance is the answer! This policy offers multiple coverages, high limits, and hassle-free claims processing. The customer service is excellent, ensuring you receive the assistance you need during claims. Give it a try today and see how much you can save!
Here are the key features of Tata AIG Wellsurance Executive Policy:
- Age Group: This policy is available for individuals aged 18 to 65 years.
- Lifelong Renewability: You have the option to renew this policy for a lifetime.
- Coverage for Critical Illnesses: The policy covers nine critical illnesses.
- Plan Variations: Choose from three variations: Elite, Supreme, and Classic.
- Lump Sum Payout: If you are diagnosed with any of the covered critical illnesses, you receive a lump sum payout.
- Hospitalization Coverage: The policy covers expenses related to hospitalization.
- Coverage for Surgeries: It provides a lump sum benefit for both major and minor surgeries.
- Policy Term: The policy has a duration of one year.
- Ambulance Charges: It covers ambulance charges up to a specified limit for transportation of the insured.
These features make Tata AIG Wellsurance Executive Policy a comprehensive and reliable choice for your insurance needs.
Benefits of Tata AIG Wellsurance Executive Policy
If you’re responsible for running a company that relies on insurance, you’re probably familiar with Tata AIG Wellsurance Executive Policy. This policy is a comprehensive package that helps protect your company from potential risks and emergencies. Let’s take a look at the benefits you can expect from Tata AIG Wellsurance Executive Policy:
Everyday Cash Benefit: If you or any insured member is hospitalized, depending on the chosen plan variation, you will receive a daily cash allowance.
In-Hospital Benefits: If an insured member is admitted to the hospital due to illness or injury, the policy covers the specified hospitalization expenses.
Post-Hospitalization Costs: After hospitalization for certain conditions, such as chemotherapy or radiation (at least three visits) or kidney dialysis (occasionally required), a lump sum amount will be paid.
Ambulance Charges: Your health insurance policy covers ambulance charges (up to a specified limit) for transporting the insured member to the hospital after an accident and returning them to their normal residence after discharge.
Value-Added Services: You also have access to various value-added services, including health-related queries, a health line, and other health and wellness services.
Critical Illness Benefit: If the insured member is diagnosed with any of the nine specified critical illnesses during the policy term, a lump sum payment will be made.
Recovery Benefit: After five consecutive days of hospitalization, a recovery benefit will be payable.
Surgical Benefit: A lump sum amount will be paid for specified major and minor surgeries.
These benefits provided by Tata AIG Wellsurance Executive Policy ensure comprehensive coverage for your company and its employees, protecting you from unforeseen situations and providing peace of mind.
Plan Details of Tata AIG Wellsurance Executive Policy
| Entry Age | 18 years to 65 years |
| Tenure of Policy | 1 year |
| Type of Policy | Individual Basis |
| Pre-existing Waiting Period | 48 months |
Waiting Period
There is no waiting period for hospitalization required after an accident. However, for other situations, certain waiting periods apply as follows:
- A 90-day waiting period is applicable for hospitalization related to illnesses and minor surgeries.
- For major surgeries, the waiting period is 120 days.
- There is a waiting period of four years for all pre-existing conditions.
- For critical illnesses, a waiting period of 90 days along with a survival period of 30 days applies.
Free Look Period: When you purchase this policy, the company offers a 1-day free look period for you to review the terms and conditions. If you feel unsatisfied with the policy, you can contact the company within this period. You would need to write to the company stating the reason for cancellation. The premium you paid will be refunded to you, deducting the proportional risk and stamp duty charges.
What is not Covered in Tata AIG Wellsurance Executive Policy
Despite its broad coverage, Tata AIG Wellsurance Executive Policy has a few situations that are not covered. Here are some of the major exclusions in the policy. For a detailed list, it is recommended to refer to the Policy Document. The following circumstances are not covered:
- Pre-existing illnesses or any complications arising from them.
- Self-inflicted injuries.
- Sexually transmitted diseases.
- Elective cosmetic surgery unless it is necessary due to a covered injury or accident.
- Pregnancy and related conditions.
It is important to review the complete list of exclusions in the Policy Document to have a clear understanding of what is not covered by the policy.
TATA AIG Customer Care Details
| Official Website | www.tataaig.com |
| Email ID | customersupport@tataaig.com |
| Toll-Free Number | 1800 266 7780 |
| Fax Number | 022 66938170 |
| Company Address | Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai – 400 013 |
Renewal Process of Tata AIG Wellsurance Executive Policy
With Tata AIG Wellsurance Executive Policy, you have the option of lifelong renewal as long as you pay all the necessary fees on time. The process of renewing the policy is simple and doesn’t take much time. You can visit the company’s website, go to the “Renewal” section, and enter your policy details. Once you’re redirected to the next page, review all the details and proceed to make the payment online. You can choose to pay via net banking, credit or debit card, UPI, or mobile wallet.
Here are a few important points to keep in mind:
- The company is not responsible for sending you renewal reminders.
- If the policy expires, there is a 30-day grace period. After this period, the policy will be terminated.
- Claims made during the grace period will not be accepted.
Tata AIG Wellsurance Executive Policy, Claim Process
Tata AIG has a team of claim experts who strive to make the claim process simple and easy to follow. By following the instructions and guidelines carefully, you can ensure a smooth and quick claim process. The first step is to notify the company as soon as possible when a claim needs to be made. If it’s a planned hospitalization, make sure to raise a claim at least 48 hours before admission. In case of an emergency, notify the company within the first 24 hours of admission. You can follow any of the following steps to make a claim:
- Write to: Tata AIG General Insurance Company Ltd., Health Claims Division, A-501, 5th Floor, Building No. 4, Infinity Park, Gen. A. K. Vaidya Marg, Dindoshi, Malad (E), Mumbai, India – 400 097.
- Send an email to: general.claims@tata-aig.com.
- Visit the company’s website and register the claim online.
- Contact customer care at 1800 266 7780.
- Send an SMS with the keyword “Claims” to 5616181.
If you are a senior citizen, you can call 1800 22 9966 for assistance.
Tata AIG Wellsurance Executive Policy Cashless Claim Process
With Tata AIG Wellsurance Executive Policy, you can enjoy the benefit of cashless healthcare treatment when you are admitted to a network hospital. When you reach the hospital, simply present your Health Card and Personal ID Card at the hospital Help Desk.
You will also need to submit the claim form along with any other relevant treatment documents as requested. The insurance company will then verify and review all the paperwork. Once verified, Tata AIG will settle your hospitalization expenses and bills directly with the hospital. However, please note that you will be responsible for any uncovered expenses that are not covered by the policy.
Tata AIG Wellsurance Executive Policy Reimbursement Claim Process
If you are unable to seek treatment at a network hospital for certain reasons, you can still make a reimbursement claim with Tata AIG Wellsurance Executive Policy. For planned hospitalization, it is important to inform the company 48 hours before admission. In case of emergency admission, notify the company within the first 24 hours. After your hospitalization, you will need to submit the Claim Form, KYC documents, and a list of other required documents to the company. Once all the paperwork is verified, the reimbursement amount will be credited to your bank account.
The following documents are required when making a claim for Tata AIG Wellsurance Executive Policy:
- Claim Form
- Copy of the policy document
- Original bills for all treatment-related expenses
- All medical and diagnostic reports
- Discharge summary
- Diagnosis report of the treatment received
- Proof of identity and age of the insured
- Bank account details of the policyholder for the reimbursement amount to be credited.
Tata AIG Policy Network Hospitals
When you invest in a Tata AIG health insurance policy, you gain access to a vast network of over 6,200 hospitals across the country. These hospitals have partnered with the company, allowing you to avail of cashless treatment facilities.
Whether it’s a medical emergency or a planned hospitalization, you can have peace of mind knowing that you won’t have to worry about the high treatment costs. Your Wellsurance Executive Policy provides coverage for many expenses, but any costs not covered by the policy will need to be paid by you.
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Review of Tata AIG Wellsurance Executive Policy
The AIG Wellsurance Executive Policy combines two important benefits. It provides a lump sum amount if you are diagnosed with any of the listed critical illnesses, and it also covers the expenses you incur during hospitalization. In addition to ambulance charges, the policy offers various value-added services that help you monitor your everyday health and keep you updated on the latest advancements in the medical field.