Tata AIG Hospital Cash Insurance Policy

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      Tata AIG Hospital Cash Insurance Policy

      Tata AIG Hospital Cash insurance policy is a health insurance plan by Tata AIG General Insurance Company Limited that offers additional protection to cover day-to-day hospital expenses, such as food, travel, etc. It offers financial coverage for incidental hospitalization expenses that are mostly not covered by a regular health insurance plan.

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      Tata AIG Hospital Cash Insurance Overview

      Tata AIG Hospital Cash policy provides a daily hospital cash benefit or allowance to the policyholder for each day he/she is hospitalized due to an injury or an illness. In addition, this Individual Accident & Sickness Hospital Cash policy also reimburses the medical expenses incurred during the treatment of an accidental injury.

      The Tata AIG Individual Accident & Sickness Hospital Cash policy comes in five levels. Under the Accidental Hospital Cash, a daily hospital cash benefit of Rs 1000 to Rs 10,000 is offered depending on the chosen level. Similarly, the Sickness Hospital Cash offers a daily benefit ranging from Rs 500 to Rs 5000 depending on the level. Moreover, the sum insured for Accident Medical Reimbursement ranges from Rs 5000 to Rs 25,000 depending on the opted level. A person can opt for any policy level based on his/her health requirements.

      However, the Tata AIG Hospital cash policy comes with certain deductibles that are applicable at the time of raising a claim.

      Tata AIG Hospital Cash Policy Eligibility Criteria



      Minimum Entry Age

      18 years

      6 months (children)

      Maximum Entry Age

      65 years

      23 years (children)


      Individual/ Family

      Hospital Cash Amount

      Rs 1000/2000/4000/6000/10,000 per day (Accidental Hospital Cash)

      Rs 500/1000/2000/3000/5000 (Sickness Hospital Cash)

      Sum Insured (Accident Medical Reimbursement)

      Rs 5000/ 10,000/ 15,000/ 20,000/ 25,000


      No deductible (Accidental Hospital Cash)

      1-day deductible (Sickness Hospital Cash)

      5% of the claim amount (Accident Medical Reimbursement)

      Policy Term

      1 year



      Tax benefits

      Available for critical illness cover

      Key Features of Tata AIG Hospital Cash Policy

      Here are some of the key features and benefits of Tata AIG Hospital Cash policy:

      • It provides a daily hospital cash benefit for each day of hospitalization.
      • It is available in five different levels.
      • It provides coverage for individuals as well as families.
      • It offers a sum insured enhancement option at the time of policy renewal.
      • It comes with a lifetime policy renewable facility.

      Inclusions of Tata AIG Hospital Cash Policy

      The following coverage is offered by Tata AIG Individual Accident & Sickness Hospital Cash policy:

      • In-Hospital Indemnity for Accidents- Offers a daily hospital cash benefit for each day of hospitalization due to an accidental injury.
      • In-Hospital Indemnity for Sickness- Offers a daily hospital cash benefit for each day of hospitalization resulting from an illness.
      • Accident Medical Expense Reimbursement- Covers medical expenses incurred on accidental hospitalization.

      Although the policyholder and his/her spouse get 100% coverage, the children are subject to only 50% of the coverage.

      Exclusions of Tata AIG Hospital Cash Policy

      The Tata AIG Hospital Cash policy does not provide coverage for the following:

      • Pre-existing conditions or diseases and resultant complications
      • Hospitalization outside India
      • Intentional self-inflicted injury or illness, including suicide
      • Pregnancy or related hospitalization
      • Sexually transmitted diseases
      • Claims due to participation in adventure sports or winter sports activities
      • Injury or illness due to consumption of drugs or alcohol
      • Congenital anomalies

      The above list of exclusions is not complete. To know the complete list of exclusions, refer to the Tata AIG Hospital cash insurance policy brochure.


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