TATA AIG Health Insurance Plans

TATA AIG Injury Guard Policy Insurance

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
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
4,000+ 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
  • Exclusion

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.


Review TATA AIG Injury Guard Policy Insurance brochure to understand coverage details.

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Policy wordings

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