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Wellsurance Executive

Get an insurance policy designed to take care of the busy executive and his well being

For claims call on 1800-425-4033

Guaranteed Insurance Cover

Get life insurance even as you get older

Hospitalisation Cover

With cashless claim settlement across 3000+ network of hospitals in India

Double Claim Benefit

Claim with us even if you have filed a claim under any other health insurance policy

Unique Wellness Benefits

15 days Free Look Period
30 days Grace Period

Features and Benefits

Individuals between the age of 18 yrs and 65 years
*Renewable for life. Contact us for renewal premium for ages above 66 and above.

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
  • Serving in any branch of the military or armed forces of any country, whether in peace or war, and in such an event we, upon written notification by you, shall return the pro-rata premium for any such period of service; 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, or 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 lens, hearing aids, walkers, crutches, wheel chairs, and such other aids
  • Any ayurvedic, homeopath or naturopathy treatments

Waiting period of 90 days for all sickness hospitalisation and minor surgeries and 120 days for major surgeries is applicable. There is no waiting period for accident related hospitalisation.
This policy covers hospitalisation within 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 48 months of continuous coverage have elapsed, since inception of the first Wellsurance Policy with us. Please refer to policy wordings for detailed benefits and exclusions

Critical illness benefit is payable on diagnosis of a critical illness post survival period of 30 days.
Hospitalisation and surgical benefits are payable as per the plan and policy terms conditions.

Pre-existing conditions will not be covered until 4 years of continuous renewals, since inception of the first Wellsurance policy with us

As Wellsurance is a fixed benefit policy, the insured can receive benefits from Wellsurance over and above any other existing health insurance policies he may have, subject to policy terms conditions.


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