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.