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Wellsurance Executive Plan: Features, Benefits, Review

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Main Highlight of the plan

This policy offers both hospitalization benefit and wellness benefits like discounts and offers on gyms, diagnostic centers, etc. This policy offers double claim benefit under which an individual can claim twice for same illness from a different insurer. This plan offers lump sum amount in case of hospitalization or diagnosis of critical illnesses.

Scope of cover

Tata AIG Wellsurance Executive Plan

Coverage: Benefits & Features

Most Important

ROOM RENT/ ROOM CATEGORY

This plan has limit of ICU room expenses. The ICU room expenses for a maximum of 15 days are covered in this plan. For Classic plan expenses up to INR 3000 per day are covered. For Supreme plan expenses up to INR 4500 per day are covered. For Elite plan expenses up to INR 6000 per day are covered.

CO-PAYMENT

This plan does not have co-payment clause.

NO-CLAIM BENEFITS

This plan does not offer no-claim benefits. Good to have

PRE/POST HOSPITALIZATION

90 days of post hospitalization (nursing services and physician's visit) are provided in this plan.

RESTORE BENEFITS

This plan does not offer restore benefit.

HEALTH CHECK-UP

This plan offers health check-up benefit. Value Adds

AMBULANCE CHARGES

This plan provides lump sum ambulance charges of INR 2000 while admitting and discharge from the hospital.

EYE COVER

This plan does not cover expenses for eye treatments.

DOMICILIARY HOSPITALIZATION

This plan does not offer coverage for domiciliary hospitalization treatments.

OUTPATIENT BENEFITS

This plan covers expenses on physiotherapy (minimum of 2 visits), chemotherapy (minimum 3 visits) and kidney dialysis under outpatient benefits. Note: The benefit for kidney dialysis and chemotherapy are provided only once in lifetime.

CRITICAL ILLNESS COVERAGE

This plan offers fixed benefit for some of the listed critical illness. Please refer the policy document for the list of these illnesses.

ALTERNATIVE PRACTICE

This plan does not cover non-allopathic treatments.

DENTAL COVER

This plan does not cover expenses on dental treatments.

DAILY CASH

This plan provides daily cash allowance of- INR 2000 for Classic variant. INR 3000 for Supreme variant. INR 4000 for Elite variant. Note: Deductible of 1 day is applicable in this plan.

ORGAN DONOR COVER

This plan does not offer coverage for organ donor expenses.

CONVALESCENCE BENEFIT

This plan offers convalescence benefit in the range of INR 1500 to INR 4000 after 5 days of continuous hospitalization.

MATERNITY COVER

This plan does not cover maternity expenses.

Exclusions

Waiting period of 4 years is applicable for pre-existing diseases. Waiting period for critical diseases is 90 days with a survival period of 30 days. Please refer the Tata Aig Health Insurance policy document for the list of illnesses included under critical illness category. Waiting period of 90 is applicable for minor surgeries. Please refer the policy document for the list of surgeries included under minor surgeries category.

Waiting period of 120 days is applicable for major surgeries. Please refer the policy document for the list of surgeries included under major surgeries category.

PERMANENT EXCLUSIONS

Cosmetic surgery, Lasik eye treatments, drugs or alcohol abuse, genetic disorders, self inflicted injuries, war related injuries, etc are some of the permanent exclusions. For the detailed list of please refer the policy document.

Talk to an expert

Health plans starting at Rs 6 / day

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Aniket Thakker
Written by Aniket Thakker
He lives off TV shows, movies, junk food, comics and sarcasm. When he is not working as a freelance imaginary friend to other beings like him, he works as VP of Marketing at Coverfox.

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