TATA AIG Individual Accident & Sickness Hospital Cash Policy

Tata AIG Individual Accident and Sickness Hospital Cash is a perfect supplement for an individual’s health insurance policy and can be taken along with any other health insurance schemes. This is a unique policy by TATA AIG Insurance. which provides coverage for In-Hospital Indemnity for Accident, In-Hospital Indemnity for Sickness & Accident Medical Expense Reimbursement.

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TATA AIG Individual Accident & Sickness Hospital Cash Policy

All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    Key Features of TATA AIG Individual Accident & Sickness Hospital Cash Policy:

    • There is a daily cash benefit which takes care of the unexpected financial burden in case of hospitalization.
    • Cashless hospitalization at 5000+ hospitals
    • Lifelong renewal provided premium is paid without any break.
    • Flexibility to choose options; 5 convenient offer different levels of protection against hospitalization expenses.
    • No medical check-up up to 45 years and up to Sum Insured of Rs 5 lacs.
    • Hospitalization Cash up to 180 days in case of Accidents or Sickness
    • Income tax benefit on the premium paid as per Section 80D of the Income Tax Act.
    • Guaranteed issuance.
    • Free Look Period of 15 days from the date of receipt of the Policy to review the terms and conditions
    • No limitation on Hospitals
    • High coverage amount up to 27.25 lakhs.

    Benefits of TATA AIG Individual Accident & Sickness Hospital Cash Policy:

    Individual Benefits (in Rs)

    Coverage

    2.75 lakh

    5.5 lakh

    10.95 lakh

    16.4 lakh

    27.25 lakh

    Sickness Hospital

    500 per day

    1000 per day

    2000 per day

    3000 per day

    5000 per day

    Accident Hospital

    1000 per day

    2000 per day

    4000 per day

    6000 per day

    10000 per day

    Accident Medical Exp. Reimbursement

    5000

    10000

    15000

    20000

    25000

    TATA AIG Individual Accident & Sickness Hospital Cash Insurance Policy Premium Details:

    Annual premium in Rupees

     

    Annual Premium (in Rs.)

    Coverage

    2.75 lakh

    5.5 lakh

    10.95 lakh

    16.4 lakh

    27.25 lakh

    Self only

    748

    1482

    2822

    4162

    6712

    Family option

    2355

    4670

    8890

    13110

    21143

    *The above rates may vary. Please check the policy wordings for more details.

    TATA AIG Individual Accident & Sickness Hospital Cash Policy Details:

    Minimum sum assured – 2.75 lakhs

    Maximum sum assured – 27.25 lakhs

    Coverage type: Individual/ family floater

    No claim bonus5% of original benefit is added to the sum insured for a maximum of 5 years

    Grace period: 30 days for renewing the Policy. However, coverage would not be available for the period for which no premium has been received.

    Policy termination: 3 months prior to the expiry of the policy

    Additional Features Or Riders

    • Sum Assured can be enhanced at the time of  renewal
    • Option to migrate to similar health Insurance policy would also be given once they are at the specified exit age

    Exclusions in TATA AIG Individual Accident & Sickness Hospital Cash Policy:

    • Pre existing diseases will not be covered for the first 4 policy years given there has been continuous renewal from the policy start date
    • Treatment done in the first 30 days from the commencement of the policy, unless the treatment is done as a result of accident or emergency. This is referred to as a waiting period.
    • Any illness or disease contracted due to intake of alcohol/drugs or other addictive substances will not be covered.
    • The waiting period for specific conditions will be 24 months Any pre-existing condition will be covered after a waiting period of 48 months
    • Any treatment which begins during waiting periods except accident related / war / intentional self injury or attempted suicide / abuse of drugs and alcohol and nicotine addiction / obesity treatment / sleep apnoea / maternity / psychiatric or mental disorders / congenital diseases / conditions related to or arising out of HIV/AIDS / etc.

    Documents Required To Claim TATA AIG Individual Accident & Sickness Hospital Cash Policy:

    A proposer has to fill up an ‘Application form/ proposal form’ with accurate medical history along with the address proof. Medical examination may be required in some cases, based on the sum assured and the age of the person.

    Eligibility Criteria:

    Entry age for the policyholder, spouse and parents is 18 years to 65 years with lifetime renewal option.

    TATA AIG Individual Accident & Sickness Hospital Cash Policy

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    TATA AIG Individual Accident & Sickness Hospital Cash Policy Reviews & Ratings

    / 5 (Based on 3 Reviews)
    (Showing Newest 3 reviews)
    Asha
    Hariyana, September 16, 2021
    Tax savings
    The term plan is beneficial to save the tax amount too. I have saved a lot of tax and got a rebate too under my plan. I am happy and it is a part of investment. I took the plan for the financial safety of me and my family. Thanks team for good plans.
    Arjun
    Punjab, September 16, 2021
    Time and money saving plans
    I have saved a lot of money when I bought the term insurane plan online. I visited the policybazaar and check the premium calculator page. From there I searched for various good plans. I saved a lot of money and time too. I would recommend the policy to my friends and also tell them to buy a plan from policybazaar.
    Ida
    Amritsar, September 16, 2021
    Customer experience team
    Great to know that the customer care team of Policybazaar is superb and friendly. I opted a term plan from policybazaar and found it the best one. I was facing the issue related to name spelling and connected to policybazaar. The team immediately worked into my case and it was resolved. Thank you so much team Policybazaar.
     
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