TATA AIG Group MultiGuard Policy

Introduction:

• Tata AIG Group MultiGuard Personal Accident Policy covers employees at an affordable rate and offers benefits such as hospitalization, disability and accidental death.

Eligibility:

• Minimum age- 18years, maximum- 65 years.

Policy Benefits:

• Continuous coverage of Accidental Death and Dismemberment worldwide and without break.
• Double coverage: In case of Accidental death/dismemberment by bus/train offers double coverage.
• Triple coverage: In case of Accidental death/dismemberment due to National disaster (Flood, Landslide and volcanic eruption).
• Daily Cash benefit: For cases of hospitalization due to accident.
• Flexibility - Offers 4 levels of coverage

Additional Benefits:

• Accidental Death and Dismemberment Benefit subject to a limit of 500,000 INR.
• Accidental Death & Dismemberment – Common Carrier – subject to a limit of 1000000 INR.
• Accidental Death & Dismemberment - Natural Disaster – subject to a limit of 1500000 INR.
• Accident Medical Expenses subject to a limit of 5000 INR.
• Permanent Total Loss including Permanent Total Disability subject to a limit of 500000 INR.
• Accident Hospital Cash per day,subject to a limit of 1000 INR (up to 30 days)
• Repatriation of Remains subject to a limit of 5000 INR.

Exclusions:

• Pre-existing conditions.
• Conditions arising due to suicide, self-inflicted injury, war, illegal act, riots, acts of terrorism etc.
• Bacterial infections, AIDS, dangerous sports, pregnancy or related illnesses to childbirth.