TATA AIG Mediclaim Insurance Faqs

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1.  What is Wellsurance?
Wellsurance is a Health & Wellness policy offered by Tata AIG. Wellsurance looks beyond Medical Insurance. It has 3 different policies catering to different customer needs. Each Wellsurance policy has Cashless hospitalization and unique wellness benefits.

2.  What is the coverage offered by Wellsurance policy?
Wellsurance has the following Individual policies:
  • Wellsurance Executive
  • Wellsurance Woman
  • Wellsurance Family
Wellsurance offers Critical Illness, Hospital Cash, Ambulance & Recovery benefits under a single policy. Along with this each of the individual policies have other benefits. Please refer to the individual product features for details.

3.  Is there any waiting period in this policy?
Yes there is a waiting period of 90 days for all sickness related hospitalization. However there is no waiting period for accident related hospitalization.

4.  Are there any deductibles in the policy?
There is 1 day deductible for Hospital Cash benefit. i.e if the insured is hospitalized for 10 days due to a sickness then we will pay the benefits for 9 days after the 1 day deductible. However there is no deductible for any hospitalization related to accidents.

5.  Does Wellsurance cover maternity expenses?
Any Maternity or related expenses are not covered under Wellsurance policies.

6.  What is Convalescence benefit?
Convalescence benefit means recuperation or recovery benefit which is a fixed lumpsum amount paid to the insured on 5 continuous days of hospitalization.

7.  Can I pay additional premium to cover my family and my parents in the same policy?
You can choose Wellsurance Family which covers Self, Spouse & 2 children. For your parents you can buy a separate Wellsurance Executive / Family Policy.

8.  How can I apply for a Wellsurance policy?
You can get more details of the product and buy the insurance policy at TATA AIG medical insurance

9.  How can I make the premium payment?
You can make premium payment by your Credit Card, debit card or by cheque

10.  Will I be covered outside India under this policy?
Wellsurance is a domestic health insurance hence you will be covered for treatment availed in India only. You can check the Overseas Travel Insurance section of our website Overseas travel insurance for details on overseas medical cover.

11.  Are pre existing diseases covered under Wellsurance?
Any pre existing illness will be covered only after continuous coverage of the same policy for 48 months.

12.  Can any Wellsurance policy be cancelled during the term of the policy?
Yes the policy can be cancelled at the request of the customer.

13.  Will I get a refund if the policy is cancelled?
Refund under this policy will be available as per the grid.

Cancellation Refund Amount
Up to 14 Days Balance premium post deducting Rs.99/-
Up to 1 month 75 % OF annual Premium
Up to 3 months> 62.5 % OF annual Premium
Up to 4 months 50 % OF annual Premium
Up to 6 months 37.5 % OF annual Premium
Up to 8 months 12.5 % OF annual Premium
Above 8 months NIL

14.  What are the value added benefits available in this policy?
The following Wellness/value added benefits are available in this policy
  • Health Portal: A dedicated health portal with Health calculators, health tools & tips. Regular issues of health articles, personalized health trackers & much more
  • Health Help Line/Query: A dedicated health line managed by medical practitioners for any information on Health & wellness
  • Wellness Offers: Special discounts at any of our list of Health Care Service providers. You will find great deals on Gyms, Weight Management & Skin Care centers
  • Health Perks: Discounted Health check up coupons at leading diagnostic centers
  • E News letters: Monthly newsletters for quick & simple Health tips

15.  What kind of information will be available on the Health Help Line?
You can get help on the following from Health Help line-
  1. Guidance about self-care
  2. Develop healthy living habits
  3. Understand diagnosed conditions
  4. Knowledge about chronic diseases
  5. Prepare questions for doctor visits

16.  Which Gyms, Skin Care Centers and Weight Management Centers do you have a tie-up with?
TATA AIG have tied up with 200+ wellness centers. You can get details at TATA AIG medical insurance

17.  Are there any specific diagnostic centers wherein I can go for a health check up?
TATA AIG have tied up with multiple diagnostic centers for discounted Health Check Up packages. Post purchase of policy you will receive discounted Health Check up Coupons along with our Welcome Kit. Please view the list of these centers at TATA AIG health insurance

18.  How can I avail special offers at the diagnostic centers?
Along with the Welcome Kit you would receive discounted Health Check up Coupons.
  • Please check the list and addresses of centers on our website
  • Visit the center with the discounted coupon and your Wellsurance Cashless Card to avail the offer

19.  How can I avail offers and discounts at the wellness centers?
Please check the special offers and details of the outlets on our website. You can visit any of the listed outlets with your Cashless Card. On display of the Wellsurance Cashless Card you will be entitled to Wellness offers & discounts.

20.  Is there any website where I can get information about these policies?
You can visit our website TATA AIG medical insurance for all details on Wellsurance.

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