TATA AIG Accident Guard Plan

This plan covers all accidental mishaps and uncalled health incidents during one’s life making it a comprehensive policy.

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TATA AIG Accident Guard Plan

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    • For Self and Spouse Minimum age-18, maximum-65 years, children 6 months to 18 years (23 years for higher Education).

    Policy Benefits:

    Tata AIG Accident Guard provides cover for the following:

    • Plan 1: Accidental Death & Dismemberment
    • Plan 2: Accidental Death & Dismemberment & Permanent Total Loss of Use(including PTD)
    • Add on Benefit (Optional): Accidental Weekly Benefit (up to 52 weeks)

    Family Option:

    • If the plan is taken for family cove,r the following benefits can be availed:
    • Education allowance: 10% of principal sum insured/actual tuition fee of institution whichever is lower, is borne for children’s education in case of accidental death.
    • Repatriation of remains: Repatriation expenses subject to a maximum of Rs. 5,000 are borne.
    • Modification allowance: A maximum of Rs. 1, 00,000 is borne as an expense towards renovation of house or vehicle in case of Permanent Total Disability or Dismemberment.
    • Double Dismemberment benefit: For children who are automatically insured, Dismemberment benefit is doubled.
    • Family transportation: In case of hospitalisation outside 150 kms of residence, expenses of transportation of immediate family member is borne subject to maximum of 50000 INR.

    Additional Benefits:

    • Escalation Benefit - The principal is increased by 5% every year subject to no interruption in coverage up to a 25%.

    Renewal Benefits

    • Lifelong renewability: No maximum cover ceasing age in this policy
    • Grace Period of 30 days for renewing the policy, waiting periods as mentioned in the policy wording gets reduced by 1 year on every continuous renewal.
    • Sum Insured Enhancement: Any change in benefits or premium (other than due to change in age) will be done with the approval of IRDA and will be intimated at least 3 months in advance at the time of renewal.

    Free Look Period:

    • A period of 15 days after date of receipt of policy to review terms and conditions during which insured can cancel it with due refunds.


    • If the insured wishes to migrate to another Insurer towards renewal, he can draft an application at least 45 days before the date of renewal.


    • Expenses due to suicide/ self-inflicted injury, sexually transmitted diseases, mental/nervous disorder, anxiety or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection
    • Injuries due to involvement in war, invasion or terrorist activity involvement.
    • Participation in winter sports, sky diving, scuba diving or related sport activities.
    • Accidents due to involvement with related to aircraft, or as a member of the crew.
    • Being under the influence of drugs or alcohol.
    • Exposure to radioactive substances or diseases due to intoxication.

    Premium Details:


    Accident Death & Dismemberment

    Accident Death & Dismemberment Plus Permanent Total Loss of Use

    Coverage Amount





    5 Lacs





    10 Lacs





    25 Lacs





    50 Lacs





    1 Crore





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

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