TATA AIG Accident Guard Plan

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

Eligibility:

  • 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.

Portability:

  • 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.

Exclusions:

  • 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

Self

Family

Self

Family

5 Lacs

567

903

754

1204

10 Lacs

1134

1806

1508

2408

25 Lacs

2835

4515

3770

6020

50 Lacs

5670

9030

7540

12040

1 Crore

11340

18060

15080

24080

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

TATA AIG Accident Guard Plan Reviews & Ratings

0 / 5 (Based on 31 Reviews)
(Showing Newest 9 reviews)
Omkar
Chennai , October 26, 2021
Great features
I have got day care hospitalization feature under the mediclaim policy which i have purchased from the policybazaar. It offered me lifelong renewability Cover. It includes tax exemption benefits, cashless hospitalization and many other facilities. overall i like my plan.
Angoor
Kolkata , October 26, 2021
Trustworthy website
I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
Kush
Surat, October 26, 2021
Helpful staff
I rarely trust the online purchasing because of the possibility of fraud but Policybazaar has built my trust up. I went through the online process when I was taking care health insurance from here and i found this website trustworthy.
Ranveer
Pune, October 26, 2021
Low cost plan
Such a simple and easy process to buy a policy was provided to me by Policybazaar. Someone suggested me to check the health plans on Policybazaar website. i went through a lot of plans and i found the right plan here. i bought star health insurance at low cost.
Kushal
Jaipur, October 26, 2021
Good Coverage
I have bought Bajaj Allianz Health Insurance for my family and by taking a health plan, I have secured my entire family. I have got coverage against medical expenses and buying my policy online has saved my money as I did not have to pay agent fees.
Jitendra
Lucknow, October 26, 2021
Affordable plan
A friend of mine told me about Policybazaar. He said that he has found an affordable health plan deal in Policybazaar. I went to Policybazaar to buy the same plan. I wanted a family health plan so I took Aditya Birla health insurance and it has covered every member of my family.
Rajesh
Kanpur, October 26, 2021
Easy to compare
Last week i went to Policybazaar for taking health plan for my family. An executive explained the policy very well and showed me various plans out of which i chose digit health insurance and it has covered me and my wife.
Kuvar
Nagpur, October 26, 2021
Good plan
I was able to compare the various plans easily on the website of Policybazaar. At first, i was confused about what i should choose as so many options were given there but then i bought sbi general health insurance for my parents. I got really good senior citizen health plan.
Abhijeet
Allahabad, October 26, 2021
Hassle free experience
I had an amazing and hassle free experience with policybazaar. Everything has beem very smooth when i was purchasing health insurance from policybazaar. Their team assisted me in well mannered way.

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