TATA AIG Health Insurance Plans

TATA AIG Maha Raksha - Personal Injury Policy Insurance

Tata AIG Maha raksha personal accident injury insurance offers coverage for finances from minor fractures and burn which can make daily life tough.
  • Age - 18 years to 70 years

Why buy Maha Raksha - Personal Injury Policy Insurance?

  • Pay compensation if an injury causes you to lose your life
  • Compensate for an injury that results in fracture, dislocation, or burning.
  • Pay daily benefits for every day you're hospitalized because of an injury.
  • Pay principal sum if an injury results in an inability to carry out daily living activities.
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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 Maha Raksha - Personal Injury Policy Insurance benefits

  • Benefits
  • Exclusion

Benefits of Tata AIG Maha Raksha - Personal Injury Policy Insurance

  • Lifetime renewal.
  • You have 15 days to go through the policy and you can have it cancelled and your premium is refunded if you have any issues.
  • To renew your policy, you get a 30-day grace period.
  • When you renew your policy, there will be no charging fees.
  • Before issuing the policy, we do not ask for any medical exams.
  • With your age, your premium doesn't increase.

Exclusions of Tata AIG Maha Raksha - Personal Injury 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.
  • Loss arising directly or indirectly out of any act of terrorism or counter measures taken to control/prevent it.
  • Any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Act of Terrorism.
  • 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.
  • Confinement in a hospital which is not medically necessary.


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Policy wordings

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022