Injury Guard is a personal accident injury insurance that covers any mishaps that will help you.
Age - 18 years to 75 years
Covers for Individual and or Family
Why buy Injury Guard Policy Insurance?
No medical tests required.
Lifetime renewal option, if the premium is paid on time.
The plan has to be evaluated for 15 days. If you do not like the policy, the premium will be refunded.
30 days grace period to renew the policy.
You can enhance the sum assured at the time of renewal
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TATA AIG Health Insurance Review
TATA AIG Health Insurance sum insured
3 lacs − 20 lacs options available
Incurred Claims Ratio *
TATA AIG Health Insurance tenure options
1, 2 or 3 years options available
Claims Settlement Ratio **
List of network hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + 3 dependent children + 2 dependent parents
Number of lives covered *
* As per IRDAI report for 2018-19 | ** As per NL25 data published on the Insurance Company website
Tata AIG Injury Guard Policy Insurance benefits
Benefits of Tata AIG Injury Guard Policy Insurance
Pays the principal amount in accordance with the policy schedule if an accidental injury results in loss of lives
Pays compensation if an injury causes fractures or burns, as set out in the Policy Schedule
Pays weekly benefits for the entire length of the disability in case of on-going temporary total disability
Reimbursement of medical expenditures not caused by a pre-existing condition
Pay a daily benefit for each day that you are hospitalized on the recommendation of a doctor or because of an injury
Reimburse the price of a car or house modification to make it more available in the event of an accidental disability
Exclusions of Tata AIG Injury Guard Policy Insurance
Any Pre-existing Condition or any complication arising from it.
Suicide, self-inflicted injury, sexually transmitted diseases, mental or nervous disorder, AIDS and HIV
Injuries incurred while servicing in the armed forces of any country.
Harm while being under the influence of alcohol or other intoxicants or hallucinogens unless prescribed by a physician.
If you were a participant in felony, riot, crime, misdemeanour, or civil commotion.
Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Airline
Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities, rebellion, mutiny, use of military power or usurpation of government or military power.
Damage related to nuclear reaction, radiation, radioactive contamination or the dispersal or application of pathogenic or poisonous biological/chemical materials.
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 from it.
Participation in adventure sports, underwater activities, rafting, canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles) or participation in any professional sports.
Osteoporosis (porosity and brittleness of the bones due to loss of protein from the bones matrix) or pathological fracture (any fracture in an area where pre-existing Disease has caused the weakening of the bone)
Confinement in a Hospital which is not Medically Necessary.