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Introduction:
This allows you to cover for yourself as well as family by securing your income during uncertain times. Eligibility: Minimum age- 18 years and maximum- 65 years.
Policy Benefits:
Accidental death: 10% of the total insured sum paid as initial payment. Remainder of the amount is paid in monthly instalments over the next 60 months. Per day hospital cash (up to 5 days) is paidin case of accident/hospitalization for more than 4 days. Premium Details: *The above rates may change. Please check the policy wordings for more details. Renewal Benefits Lifelong renewability: no maximum cover ceasing age in this policy Grace Period of 30 days for renewing the policy, waiting periods as mentioned in the policy wording gets reduced by 1 year on every continuous renewal. Sum Insured Enhancement: Any change in benefits or premium (other than due to change in age) will be done with the approval of the IRDA and will be intimated at least 3 months in advance at the time of renewal. Free Look Period: A period of 15 days after date of receipt of policy to review terms and conditions during which insured can cancel it with due refunds. Portability: If the insured wishes to migrate to another Insurer towards renewal, he can draft an application at least 45 days before the date of renewal.
Policy Details:
Individual is covered for accidental death, dismemberment and Permanent Total loss of use of limbs resulting from an accident. The insured individual receives regular monthly payments for 5 years after the initial lump sum benefit pay out. Daily benefit is paid as specified up to a maximum of 5 days starting from the 4th day of hospitalization. Coverage is provided worldwide, 365 days a year and 24 hours a day. Applicable for lifetime renewal if premium is paid continuously.
Exclusions
Any pre-existing condition Expenses due to suicide/ self-inflicted injury, sexually transmitted diseases, mental/nervous disorder, anxiety or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection Injuries due to involvement in war, invasion or terrorist activity involvement Participation in winter sports, sky diving, scuba diving or related sport activities Accidents due to involvement with related to aircraft, or as a member of the crew If you are under the influence of drugs or alcohol Exposure to radioactive substances or diseases due to intoxication Tata AIG General Insurance Launches Three New Health Products for Consumers Tata AIG to Double its Exposure in Health Insurance