tata-aig-accident-guard-plan injury-guard-plan
Tata AIG Accident Guard Insurance
Introduction: This plan covers all accidental mishaps and uncalled health incidents during ones life making it a comprehensive policy. Eligibility: For Self and Spouse Minimum age-18, maximum-65 years, children 6 months to 18 years (23 years for higher Education).
Exclusions
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. Being under the influence of drugs or alcohol. Exposure to radioactive substances or diseases due to intoxication. Premium Details: *The above rates may change. Please check the policy wordings for more details. Tata AIG General Insurance Launches Three New Health Products for Consumers Tata AIG to Double its Exposure in Health Insurance
Benefits
ata AIG Accident Guard provides cover for the following: Plan 1: Accidental Death & Dismemberment Plan 2: Accidental Death & Dismemberment & Permanent Total Loss of Use(including PTD) Add on Benefit (Optional): Accidental Weekly Benefit (up to 52 weeks) Family Option: If the plan is taken for family cove,r the following benefits can be availed: Education allowance: 10% of principal sum insured/actual tuition fee of institution whichever is lower, is borne for childrens education in case of accidental death. Repatriation of remains: Repatriation expenses subject to a maximum of Rs. 5,000 are borne. Modification allowance: A maximum of Rs. 1, 00,000 is borne as an expense towards renovation of house or vehicle in case of Permanent Total Disability or Dismemberment. Double Dismemberment benefit: For children who are automatically insured, Dismemberment benefit is doubled. Family transportation: In case of hospitalisation outside 150 kms of residence, expenses of transportation of immediate family member is borne subject to maximum of 50000 INR. Additional Benefits: Escalation Benefit – The principal is increased by 5% every year subject to no interruption in coverage up to a 25%. 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 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.
Tata AIG Accident Guard Insurance FAQs
Introduction: This plan covers all accidental mishaps and uncalled health incidents during ones life making it a comprehensive policy. Eligibility: For Self and Spouse Minimum age-18, maximum-65 years, children 6 months to 18 years (23 years for higher Education).
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