TATA AIG Accident Guard Plus Insurance

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.

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

• 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.