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TATA AIG Wellsurance Family
TATA AIG Wellsurance Family




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TATA AIG Wellsurance Family

1 Details
1.1 Company Name
TATA AIG General Insurance Company Ltd.
1.1.1 Incurred Claims Ratio (13-14)
New India Senio..
86.28 %
Rank: 13 (Overall)
SBI General F F
1.1.2 Incurred Claims Ratio (14-15)
Oriental Happy ..
69.94 %
Rank: 13 (Overall)
L And T Medisure Prime
1.1.3 Network Hospitals
SBI General F F
3000 +
Rank: 11 (Overall)
Oriental Happy Family Floater Gold
ADD ⊕
1.2 Type of Plan
Family Floater Insurance
1.2.1 Subtypes
Not Available
1.3 Policy Status
Active
1.4 Buy Online
62% Family Health Insurance Health Insurance Plans have it !
1.5 UIN
IRDA/NL-HLT/TAGI/P-H/V.I/48/14-15
1.6 Tax Benefits
All Family Health Insurance Health Insurance Plans have it !
1.7 Cashless Hospitalization
All Family Health Insurance Health Insurance Plans have it !
1.8 Discounts
Not Available
1.8.1 Description
Not Available
2 Eligibility
2.1 Entry Age for Adults
2.1.1 Minimum
Bajaj Allianz H..
18 Years
Rank: 1 (Overall)
Apollo Munich Optima Vital
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2.1.2 Maximum
New India Senio..
65 Years
Rank: 4 (Overall)
Bajaj Allianz Insta Insure
ADD ⊕
2.2 Entry Age for Dependent Children
2.2.1 Minimum
Bajaj Allianz C..
180 Days
Rank: 9 (Overall)
IFFCO TOKIO Family Health Protector
ADD ⊕
2.2.2 Maximum
Apollo Munich M..
23 Years
Rank: 5 (Overall)
Reliance Healthgain Policy
ADD ⊕
2.3 Sum Assured
2.3.1 Minimum
Future Generali..
Not Available
Rank: N/A (Overall)
Bajaj Allianz Daily Cash
2.3.2 Maximum
Cigna TTK Lifes..
Not Available
Rank: N/A (Overall)
Bajaj Allianz Daily Cash
2.4 Policy Term
2.4.1 Minimum
Bharti AXA Life..
1 Year
Rank: 1 (Overall)
Bajaj Allianz Women Critical Illness
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2.4.2 Maximum
Future Generali..
3 Years
Rank: 5 (Overall)
Bajaj Allianz Women Critical Illness
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2.5 Medical Screening
66% Family Health Insurance Health Insurance Plans have it !
2.5.1 Age Criteria
Oriental Happy ..
Not Available
Rank: N/A (Overall)
Future Generali Health Total Superior
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3 Hospital Cover
3.1 Hospitalization
3.1.1 Pre-Hospitalization
Future Generali..
Covered up to 30 Days
Rank: 4 (Overall)
Apollo Munich Dengue Care
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3.1.2 Post-Hospitalization
Apollo Munich O..
Covered up to 60 Days
Rank: 4 (Overall)
Apollo Munich Dengue Care
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3.2 Room Rent
88% Family Health Insurance Health Insurance Plans have it !
3.3 Recovery Benefits
20% Family Health Insurance Health Insurance Plans have it !
3.3.1 Amount
Apollo Munich E..
Not Available
Rank: N/A (Overall)
SBI General F F
3.4 OPD Charges
27% Family Health Insurance Health Insurance Plans have it !
3.5 Non Allopathic Treatment
22% Family Health Insurance Health Insurance Plans have it !
3.6 Day Care Procedures Covered
Religare Care I..
Not Available
Rank: N/A (Overall)
Bajaj Allianz Surgical Protection
ADD ⊕
3.7 Domiciliary Hospitalization
69% Family Health Insurance Health Insurance Plans have it !
3.8 Daily Cash Facility
59% Family Health Insurance Health Insurance Plans have it !
3.8.1 Description
₹ 2,000 per day
4 Medical Cover
4.1 Ambulance Charges
Royal Sundaram ..
₹ 2000
Rank: 8 (Overall)
Reliance HealthWise Ind
ADD ⊕
4.2 Air Ambulance Charges
6% Family Health Insurance Health Insurance Plans have it !
4.3 Medical Fees
4.3.1 Consultant
82% Family Health Insurance Health Insurance Plans have it !
4.3.2 Surgeon
84% Family Health Insurance Health Insurance Plans have it !
4.3.3 Specialist
76% Family Health Insurance Health Insurance Plans have it !
4.3.4 Anesthetist
75% Family Health Insurance Health Insurance Plans have it !
4.3.5 Medical Practitioner
84% Family Health Insurance Health Insurance Plans have it !
4.3.6 Nursing
88% Family Health Insurance Health Insurance Plans have it !
4.4 Medical Charges
4.4.1 Blood
80% Family Health Insurance Health Insurance Plans have it !
4.4.2 Oxygen
82% Family Health Insurance Health Insurance Plans have it !
4.4.3 Anesthesia
88% Family Health Insurance Health Insurance Plans have it !
4.4.4 Medicine
78% Family Health Insurance Health Insurance Plans have it !
4.4.5 Operation Theater
88% Family Health Insurance Health Insurance Plans have it !
4.5 Organ Donor Expenses
67% Family Health Insurance Health Insurance Plans have it !
5 Benefits
5.1 No Claim Bonus
5.1.1 Minimum
Apollo Munich O..
10 % of Basic Sum Insured
Rank: 5 (Overall)
Apollo Munich Optima Senior
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5.1.2 Maximum
Apollo Munich O..
50 % of Basic Sum Insured
Rank: 2 (Overall)
LIC Jeevan Arogya
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5.2 Health Checkups
76% Family Health Insurance Health Insurance Plans have it !
5.2.1 Description
Available once at the end of every 4 claim free years
5.3 AYUSH Treatment
Not Covered
5.4 Maternity Expenses
49% Family Health Insurance Health Insurance Plans have it !
5.4.1 New Born Baby Cover
44% Family Health Insurance Health Insurance Plans have it !
5.5 Critical Illness Cover
39% Family Health Insurance Health Insurance Plans have it !
5.5.1 Expert Opinion
16% Family Health Insurance Health Insurance Plans have it !
5.5.2 Illnesses Covered
Cancer of specified severity, Coma, First Heart Attack, Kidney Failure, Major Burns, Major Organ/Bone Marrow Transplant, Multiple Sclerosis, Open Chest CABG, Permanent Paralysis of Limbs, Stroke, Total Blindness
5.6 Accidental Cover
5.6.1 Accidental Death Benefit
18% Family Health Insurance Health Insurance Plans have it !
5.6.2 AD Description
Not Available
5.6.3 Child Education Benefit
6% Family Health Insurance Health Insurance Plans have it !
5.6.4 CE Description
Not Available
5.6.5 Permanent Total Disablement
14% Family Health Insurance Health Insurance Plans have it !
5.6.6 PTD Description
Not Available
5.6.7 Temporary Disablement Benefit
8% Family Health Insurance Health Insurance Plans have it !
5.6.8 TD Description
Not Available
5.7 Restoration of Sum Insured
22% Family Health Insurance Health Insurance Plans have it !
5.8 Multiplier Benefit
31% Family Health Insurance Health Insurance Plans have it !
6 Terms and Conditions
6.1 Cancellation Period
6.1.1 For Insurance Provider
Apollo Munich O..
15 Days
Rank: 2 (Overall)
Royal Sundaram Surgicare
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6.1.2 For Policy Holder
Apollo Munich O..
15 Days
Rank: 2 (Overall)
Royal Sundaram Surgicare
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6.2 Rate of Premium Retained
6.2.1 Up to 1 Month
Star Family Hea..
25.00 % of annual premium
Rank: 3 (Overall)
Star Health Accident Care
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6.2.2 Up to 3 Months
Star Family Hea..
37.50 % of annual premium
Rank: 2 (Overall)
L And T Personal Accident Insurance
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6.2.3 Up to 6 Months
Star Family Hea..
62.50 % of annual premium
Rank: 4 (Overall)
Max Bupa Heartbeat Ind Gold
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6.2.4 Exceeding 6 Months
Bajaj Allianz W..
100.00 % of annual premium
Rank: 2 (Overall)
ICICI Lombard Health Booster
ADD ⊕
6.3 Policy Renewal
Lifelong
6.4 Grace Period
Bajaj Allianz W..
30 Days
Rank: 1 (Overall)
SBI General F F
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6.5 Free Look Period
Bajaj Allianz W..
15 Days
Rank: 1 (Overall)
Bajaj Allianz Women Critical Illness
6.6 Waiting Period
6.6.1 No Claim Period
Future Generali..
30 Days
Rank: 2 (Overall)
Bajaj Allianz Personal Accident
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6.6.2 Specific Waiting Period
24 months for treatment, whether medical or surgical, of disease/conditions mentioned in the policy
6.7 Claim Based Loading
6% Family Health Insurance Health Insurance Plans have it !
6.8 Cover for Pre-Existing Diseases
Apollo Munich O..
after 48 Months
Rank: 5 (Overall)
Bajaj Allianz Silver
ADD ⊕
6.9 Co-Pay
53% Family Health Insurance Health Insurance Plans have it !
6.10 Sub-Limits
27% Family Health Insurance Health Insurance Plans have it !

Information About TATA AIG Wellsurance Family

Information About TATA AIG Wellsurance Family includes details about the type of plan, name of the insurance provider, policy status etc. TATA AIG Wellsurance Family is a family floater insurance provided by TATA AIG General Insurance Company Ltd.. The company had an incurred claims ratio of 86.28 % for the financial year 2013-14 and 69.94 % for the financial year 2014-15. Incurred claims ratio is the ratio of claims incurred to the premiums collected by the insurance company. The plan is active and can be bought.

TATA AIG Wellsurance Family Eligibility provides important information of the policy, such as minimum and maximum limits of sum assured, entry age etc. Minimum age to be eligible to buy this plan is 18 Years.Cashless hospitalization is the facility provided by insurance company. Under this facility, the company directly settles medical bills, incurred during treatment of the policy holder, with the hospital.Cashless hospitalization facility is available for this health insurance policy.

Covers under TATA AIG Wellsurance Family

Medical and hospital covers under TATA AIG Wellsurance Family include various covers such as Pre-hospitalization cover, post-hospitalization cover, room rent, OPD charges, cover for day care procedures, domiciliary hospitalization cover, Ambulance charges, Medical fees, Medical charges etc. Pre-Hospitalization is Covered up to 30 Days under TATA AIG Wellsurance Family.Post-Hospitalization is Covered up to 30 Days under the plan. TATA AIG Wellsurance Family covers full or partial rent of the room when the insured is admitted to the hospital. OPD charges are not covered under TATA AIG Wellsurance Family.

Day care procedures are the medical treatments that do not require the insured to be admitted to the hospital for more than 24 hours. Such treatments are not covered under this policy. Domiciliary hospitalization charges are the expenses that occur when the medical treatment is taken at home. Such expenses are covered in this plan. Ambulance charges up to ₹ 2000 are covered under the plan. Various medical fees and medical charges are also covered under this policy.

Important Benefits Under TATA AIG Wellsurance Family

Important Benefits under TATA AIG Wellsurance Family may include no claim bonus, health check-ups, cover for Maternity expenses, Critical illness cover etc. TATA AIG Wellsurance Family Benefits includes information about additional benefits available under the plan. The minimum no claim bonus you can get under TATA AIG Wellsurance Family for not claiming the policy in previous term equals to 10 % of Basic Sum Insured. The bonus amount can rise up to the maximum of 50 % of Basic Sum Insured. Periodic health check-ups are available to the insured persons under this policy. Maternity expenses are not covered under TATA AIG Wellsurance Family. Critical illness cover is available in this plan.

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