WellsuranceFamily FAQs

Entry age between the ages 18-65, policy is however renewable for life upon payment of premium provided the cover is maintained with us without a break. (The age bands are for eldest member to be covered under this policy).
The eligible age for children is 6 months – 18 years (23 years in case studying for Higher Education)

This entire Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, directly or indirectly in respect of:

• Any Pre-existing Condition, any complication arising from it. Except if the insured has taken a similar Wellsurance Policy from Us and is covered without a break, for a period of 4 consecutive years since inception of the first policy with Us.
• Intentionally self-inflicted Injury or illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune-deficiency Virus (HIV) infection; attempted suicide, or
• War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; or
• War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; or
• Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
• The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
• Congenital anomalies or any complications or conditions arising there from; or
• Professional Sports, Hazardous Activities; or
• Cosmetic or plastic surgery or any elective surgery or cosmetic procedure, circumcision, (except as a result of an Injury caused by a Covered Accident while Our Policy is in force ) that improve physical appearance, surgical and non-surgical treatment of obesity (including morbid obesity) and weight control programs, or treatment of an optional nature; Routine health checks or convalescence, Custodial Care, general debility, lethargy, rest cure; expenses on vitamins, tonics and any other health supplement; vaccination, inoculation of any kind.
• Any investigation(s) or treatments not directly related to a Covered Illness or Covered Injury or the conditions or diagnosis necessitating hospital admission; or Any surgery done on the organ(s), if they are not infected or affected;
• services, supplies, or treatment, including any period of Hospital confinement, which were not recommended, approved, and certified as Medically Necessary by a Physician; or
• organ transplants that are considered experimental in nature; expenses incurred for hospitalisation or surgery for donation of organs ; or
• pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to inability to conceive a child; birth control, including surgical procedures and devices; this however does not include ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the Physician; or
• Medical expenses incurred as the result of alcohol and/or drug abuse, addiction or overdose.
• Any surgery for donation of organs.
• Treatment of Spondylosis/ Spondilitis
• Cost of Spectacles and contact lenses, hearing aids, walkers, crutches, wheel chairs and such other aids
• Any Ayurvedic, Homeopath or naturopathy treatments.

A waiting period of 90 days for all sickness hospitalisation from the date of 1st inception of the policy is applicable, subject to continuous renewal. There is no waiting period for accident related hospitalisation. 1 day deductible for hospital cash benefit is applicable. In children education benefit in case of more than 1 child; the benefit will be paid equally to the eligible children.

The benefit for each critical illness is payable only once in the whole life for Self and Spouse. Waiting period of 90 days and survival period of 30 days is applicable. This policy covers hospitalisation in India only. Ambulance benefit is a lump sum amount paid on usage of ambulance during the incidence of hospitalisation.

Pre-existing Conditions will not be covered until 4 years of continuous coverage have elapsed, since inception of the first Wellsurance Policy with us.

Please refer to policy wording for detailed benefits and exclusions.

Under a family floater plan on hospitalisation of any one of the family members only the balance un-utilised amount in the sum insured will be available for other family members. Under Family coverage plan the benefits are available in full for each of the family member separately.

Wellsurance Family covers Hospitalisation and Post hospitalisation benefits such as Hospital Cash Benefit and ICU Benefit. It is payable for each day of hospitalisation on a continuous stay for minimum of 24 hours. You will also get convalescence benefit where a lump sum is paid for recovery at home, immediately on hospital discharge and after 5 nights of continuous hospitalisation.

Yes, the policy covers Pre-existing condition after 4 years of continuous renewals, since inception of the first policy with us.

A waiting period of 90 days from the policy inception date and a 30 day survival period from the date of diagnosis, is applicable

Children are not covered for the critical illnesses covered under the plan. For rest of the eligible benefits the SI for children is restricted to 50% of the Sum Insured mentioned in the policy schedule.