Highlights of Tata AIG Secure Income High insurance
Tata AIG Secure Income High insurance offers coverage for Accidental death, dismemberment, loss of limbs from accident and other expenses for family in case of death
Age - 18 years to 65 years
Coverage for both individual and Family
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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 Secure Income High Policy Insurance benefits
Key features of Tata AIG Secure Income High Policy Insurance
The insured person is covered against accidental death, dismemberment and Permanent Total loss of use of limbs resulting from an accident.
The beneficiaries will receive regular monthly instalments for the next 5 years following the initial lump sum benefit pay-out.
Daily benefit will be paid for the amount specified in the schedule for each day, up to a maximum of 5 days from the 4th day of hospitalization.
Coverage provided 365 days a year and 24 hours a day, anywhere in the world.
We offer lifelong renewal provided there is no break in the premium.
Free Look Period – You have 15 days to review the terms and conditions of this Policy from the date of receipt of the Policy Document. If you have any objections to any of the terms and conditions, you have the option to cancel the cancelation policy and you will be reimbursed the premium you paid after adjusting the amounts spent on stamp duty charges and the proportionate risk premium. Only if you have not made any claims under the policy can you can cancel your policy. All Your rights under this Policy will be extinguished immediately on the Policy's cancelation of the free look. Free look provision at the time of the policy renewal is not applicable and available.
This Policy provides a grace period of 30 days for the renewal of the Policy. However, coverage for the period for which no premium was obtained would not be accessible.
Sum Insured Enhancement – Sum Insured can only be upgraded at renewal time. However, the quantity of increase is as per the company's guidelines for underwriting.
Changes in the approved product will be notified to policyholders 3 months in advance in the event of revision / modification.
The likelihood of withdrawal of the item will be notified to policyholders 3 months before the policy expires and the option to migrate to comparable Personal Accident Insurance policy would be provided
Benefits of Tata AIG Secure Income High Policy Insurance
An initial cash lump sum equal to 10% of the total cover amount.
For the next 60 months after payment of the initial lump sum, the rest of the cover amount will be paid in monthly instalments.
In addition the insured person may apply for per day hospital cash ( max upto 5 days ) if injuries is a resut of accident & hospitalization is for more than 4 days.
Exclusions of Tata AIG Secure Income High Policy Insurance
intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane; or
for Injury or Disease directly or indirectly caused or indirectly caused by or contributed by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
for Injury of Disease directly or indirectly caused by or contributed by the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, restraints and detainment of all kings, princes, and people of whatsoever nation condition or quality; or
any period You are serving in any branch of the Indian Military or Armed Forces, whether in peace or war, and in such an event We, upon written notification by you, shall return the pro rata premium or any such period of service;
loss sustained or contracted in consequence of You being under the influence of alcohol or drugs unless administered on the advice of a physician;
for any loss of which a contributing cause was Your actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or Your resistance to arrest; or
any loss sustained while flying in the any aircraft or device for aerial navigation except while riding as a passenger (but not as a pilot, operator or member of the crew) in or on, boarding or alighting from a certified passenger aircraft provided by a commercial civilian airline on any regular scheduled or chartered flight, and operated by a property certified pilot flying between duly established and maintained airports; or
congenital anomalies and conditions arising out of or resulting therefrom; or
for any opportunistic infection and/or malignant neoplasm, if at the time of the accident or sickness You had an Acquired Immune Deficiency Syndrome (AIDS) or having an antibody positive blood test to HIV (Human Immune-deficiency Virus). Opportunistic infection shall include but will not be limited to Pneumocystitis carinii pneumonia, organism of Kaposi’s Sarcoma, central nervous system lymphoma, and/or other Malignancies now known or which become known as causes of death in the presence of Acquired Immune Deficiency Syndrome; or
any loss sustained while You are participating in any professional sports, not accepted by Us by special Endorsement to the Policy; or
any loss sustained while you are participating in contests of speed using a motorized vehicle or bicycle; or
any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy.
Review TATA AIG Secure Income High Policy Insurance brochure to understand coverage details.