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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 which provides coverage for In-Hospital Indemnity for Accident, In-Hospital Indemnity for Sickness & Accident Medical Expense Reimbursement.

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.