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TATA AIG Mediclaim Insurance Faqs

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.

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.

Yes there is a waiting period of 90 days for all sickness related hospitalization. However there is no waiting period for accident related hospitalization.

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.

Any Maternity or related expenses are not covered under Wellsurance policies.

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

You can choose Wellsurance Family which covers Self, Spouse & 2 children. For your parents you can buy a separate Wellsurance Executive / Family Policy.

You can get more details of the product and buy the insurance policy at TATA AIG medical insurance.

You can make premium payment by your Credit Card, debit card or by cheque.

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.

Any pre existing illness will be covered only after continuous coverage of the same policy for 48 months.

Yes the policy can be cancelled at the request of the customer.

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

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

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

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.

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

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.

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Mr. Vikas Bagai, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 14 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG Travel insurance online".


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