TATA AIG Group MultiGuard Policy

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

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TATA AIG Group MultiGuard Policy

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    • 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.


    • 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.

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