TATA AIG Health Insurance Plans

TATA AIG Accident Guard Plus Insurance

TATA AIG Accident Guard Plus Insurance - Coverages

Tata AIG Individual personal accident (IPA) guard plus insurance offers coverage for injuries from unfortunate accident that can lead to financial disaster
  • Age - 18 years to 70 years
  • Life Long Renewal
  • Coverage for Individual and Family
  • Policy is for the period of up to 3 years
  • Options available from 5 Lacs to 5 cr
  • 10% escalation benefit is applicable on every continuous renewal maximum up to 50% and no claim has been made under Accidental Death, Permanent Total Disability and Permanent Partial Disability
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TATA AIG Health Insurance Review

TATA AIG Health Insurance
TATA AIG Health Insurance sum insured
3 lacs − 20 lacs options available
Incurred Claims Ratio *
78.00%
TATA AIG Health Insurance tenure options
1, 2 or 3 years options available
Claims Settlement Ratio **
80.61%
List of network hospitals
4,000+ hospitals
Number of policies issued *
220,583
Maximum family floater coverage
Self, Spouse + 3 dependent children + 2 dependent parents
Number of lives covered *
2,248,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Tata AIG Accident Guard Plus Insurance benefits

  • Key Features
  • Who can buy?
  • Eligibility
  • Benefits
  • Exclusion

Key features of Tata AIG Accident Guard Plus Insurance

  • Loan Shield: We will pay the outstanding loan amount in case of accidental death of the primary insured up to 25% of the sum insured or actual loan amount whichever is lesser.
  • Air Ambulance: Covers Utilization of Air Ambulance service for transporting insured person to hospital in case of an Accident Upto ₹5 lacs per year or actual whichever is lower per Insured.
  • Cost of Artificial Limbs: Covers the cost of artificial limbs necessitated due the disability caused by the Permanent Total Disability or Permanent Partial Disability upto 10% of the accidental death benefit Sum Insured or ₹1 lac or actuals whichever is lesser.
  • Coma Benefit: If an insured person sustains bodily injury which directly and independently of all other causes results him being in a Comatose State during the policy period then we will pay 10% of the Accidental Death Sum Insured upto Rs 5 lacs whichever is lesser.
  • Cost of Crutches / Wheel chair: Covers the cost of crutches/wheel chair necessitated due the disability caused by the Permanent Total Disability or Permanent Partial Disability upto ₹1 lac or 10% of the accidental death benefit Sum Insured or actuals whichever is lesser.
  • Child Tuition Benefit: Incase of Accidental Death of an Insured we will in addition pay a fixed sum towards child tuition expenses for each child who has not reached the age of 23 years and is enrolled as a full time student in an educational institution.

Who can buy Tata AIG Accident Guard Plus Insurance?

Age Limit
Insured Minimum Age Maximum Age
Self 18 Years 70 Years
Spouse 18 Years 70 Years
Children 6 months 23 years

Eligibility of Tata AIG Accident Guard Plus Insurance

  • Self
    • 5 Lacs to 5 Cr
    • Salaried: 10 times of Annual income
    • Self Employed: 20 Times of Annual income
  • Spouse
    • 50% of Primary Insured SI
    • If Dependent Spouse is Primary Insured then !0 Lacs Max SI
  • Child
    • 10% of Primary Insured SI

Benefits of Tata AIG Accident Guard Plus Insurance

  • Protect
  • Elite
  • Premier

Essential Features to protect your family and yourself from unforseen expenses

Protect Covers

  • Accidental Death
  • Permanent total Disability
  • Permanent partial Disability
  • Accidental Hospitalization Expenses

Elite Covers

  • Accidental Death
  • Permanent total Disability
  • Permanent partial Disability
  • Accidental Hospitalization Expenses
  • Temporary total Disability
  • Accidental Dismemberment
  • Ambulance Cost

Premier Covers

  • Accidental Death
  • Permanent total Disability
  • Permanent partial Disability
  • Accidental Hospitalization Expenses
  • Temporary total Disability
  • Accidental Dismemberment
  • Ambulance Cost
  • Hospital Daily Cash
  • Cost of Crutches/ wheel chair
  • coma benefit
  • cost of artificial limits
  • Fractures or burns
  • Air Ambulance
  • Funeral benefits and repatriation of remains

Exclusions of Tata AIG Accident Guard Plus Insurance

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:
  • Losses that do not occur within the policy period.
  • Ionising radiation or contamination by radioactivity from any nuclear waste from combustion of nuclear fuel; or The radioactive, toxic, explosive or other hazardous properties of any explosion nuclear assembly or nuclear component, thereof.
  • Asbestosis or other related sickness or disease resulting from the existence, production, handling, processing, manufacture, sale, distribution of asbestos or other products thereof.
  • War or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, , insurrection, military or usurped acts, nuclear weapons/materials.
  • Suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted injury or illness.

Brochure

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Policy wordings

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Keep in touch

  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41744345
  • Send an email
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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