Tata AIG Health Insurance Riders

Tata AIG Accidental Death Benefit

The Tata AIG Accidental Death benefit rider pays a fixed lump sum amount to the insured’s family if he/she dies in an accident. This rider is available under Tata AIG MediCare and Tata AIG MediCare Protect plans.

Tata AIG Wellsurance Benefit

The Tata AIG Wellsurance benefit pays a lump sum amount to the policyholder if the insured undergoes minor surgery, major surgery & post-operative physiotherapy and avails ambulance services. This rider is available under the Tata AIG Criti-MediCare policy. However, coverage for minor and major surgical benefits are available after a waiting period of 90 days.

Tata AIG Global Cover

The Tata AIG Global cover rider pays for the cost of in-patient hospitalization and day care procedures incurred outside India. This rider is available under the Tata AIG MediCare Plus policy. However, this rider applies to cases where the insured went abroad to treat a condition that was first diagnosed in India.

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Tata AIG Child Enhancement Benefit

The Tata AIG Child Enhancement benefit rider doubles the accidental dismemberment benefit amount if the insured child losses limbs/ legs/ eyesight/ hearing due to an accident. This rider is available under the Tata AIG Accident Guard policy.

Tata AIG Home Alteration and Vehicle Modification Benefit

The Tata AIG Home Alteration and Vehicle Modification benefit rider reimburses the cost of modifying the house or vehicle of the insured if he/she suffers from an injury listed under the accidental dismemberment benefit or paralysis cover. This rider is available under the Tata AIG Accident Guard policy.

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Tata AIG Repatriation Benefit

The Tata AIG Repatriation benefit rider will pay for the actual expenses incurred on repatriating the mortal remains of the insured. This rider is available under the Tata AIG Accident Guard policy.

Tata AIG Family Transportation Benefit

The Tata AIG Family Transportation benefit rider will pay for the actual transportation costs of an immediate family member if the insured is hospitalized due to an accident at least 150 km away from his/her residence. This rider is available under the Tata AIG Accident Guard policy.

Tata AIG Escalation Benefit

The Tata AIG Escalation benefit rider will increase the principal sum insured by 5% for up to 25% on each renewal in case of no coverage interruption. This rider is available under the Tata AIG Accident Guard policy.

Broader Coverage

Riders help to increase the coverage level of a Tata AIG health insurance policy to make it more comprehensive. Thus, policyholders can add their desired cover to their base policy instead of buying another medical insurance policy.

Affordable Premium

Policyholders can get their desired medical coverage by buying riders that are more affordable than buying another health insurance policy. As a result, they end up paying less money to get coverage of their choice.

Easy to Customize

Tata AIG health insurance riders enable policyholders to customize their health insurance policy without worrying about paying expensive premiums.