TATA AIG Group Accident & Sickness Hospital Cash Policy
Tata AIG General Insurance Company Limited Group Accident and Sickness Hospital Cash is a perfect supplement to the group health insurance policy and can be taken along with any other health insurance schemes.
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Group Accident and Sickness Hospital Cash policy review
Entry age for the proposer is 6 months to 65 years.
The issued policy is for a period of one year.
A daily benefit hospitalization expenses for accident and sickness.
Pre-policy check-up is not required under this policy.
Hospitalization cash up to 180 can be used for expenses in case of accidents or sickness.
Under Section 80D of Income Tax Act, Health insurance premium qualifies for tax deduction. These tax benefits are subject to changes in tax laws by the Government of India.
You have the flexibility to choose five different levels.
Lifelong renewals offered subject to application for renewal.
Free look period of 15 days ( For the new business only )
Insured will get a grace period of 30 days to pay the renewal premium.
Sum Insured Enhancement – Enhancement of sum insured is available only at the time of renewal.
In case of any revision/modification, the company will notify the policyholders 3 months in advance.
In-hospital Indemnity For Accidents – The policy will pay a Daily Benefit for each day if you are an Inpatient in a hospital due to illness, disease or Sickness.
In-hospital Indemnity For Sickness - The insurance will pay a Daily Benefit for each day if you are an Inpatient in a hospital due to Injury or Accident.
Accident Medical Expense Reimbursement – The policy will reimburse Reasonable and Customary charges up to the maximum shown in your policy schedule.
Covered Medical Expenses incurred in the Republic of India by the insured for medical services which are not due to a Pre-existing Condition up to the maximum amount and benefit period stated in the Policy Schedule for the treatment of an Injury sustained by the insured.
A deductible of one day and waiting period for Indemnity of Sickness of 90 days
Deductible of 5% of benefit amount under Accident Medical expense reimbursement
Coverage will be 100% of the Coverage amount in case of Insured and Spouse, 50% in case of each child
Pre-existing Condition, any complication arising from it
Intentionally self-inflicted Injury or illness;
Conditions related to or arising out of HIV;
AIDS; War; Congenital anomalies;
participation in an actual or attempted felony, riot, crime, misdemeanor, (excluding traffic violations) or civil commotion
operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft; or Scheduled Aircraft.
any loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any Act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss
the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act
ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel
the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment
congenital anomalies or any complications or conditions arising therefrom
participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sport, any bodily contact sport or any other hazardous or potentially dangerous sport for which you are trained or untrained
any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy.
for any loss of which a contributing cause was Your actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or Your resistance to arrest
if You are admitted to a Hospital within 90 days immediately following the Effective Date of Coverage stated in the Schedule, unless hospitalization is caused by Injury
If You are admitted to a Hospital during the first 3 months immediately following the Policy Effective Date as a result of cataract(s), benign prostatic hypertrophy, hysterectomy for menorrhagia or fibromyoma, hernia, hydrocele, fistula in anus, piles, sinusits and related disorders