TATA AIG Injury Guard Plan

This plan covers simple fractures to skin burns at different levels. It provides four varied options to choose from as per the requirement.

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TATA AIG Injury Guard Plan

Get insured from the comfort of your home No medicals required
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    Eligibility:

    • Minimum age- 18 years and maximum-75 years (6 months-18 years for children).
    • Covers individual and/or family (Self, Spouse, parents and dependent children (up to 2).

    Policy Details:

    • Lifelong renewal facility .Coverage will be reduced by 50% from the age group 71 yrs& above.
    • The policy will be issued annually.
    • 100% of the Principal sum insured is available to spouse and parents,children will have 50%.

    Policy Benefits:

    • No pre medical examination.
    • Accidental Death: Covers for injury resulting in loss of life (within 365 days from the date of injury).
    • Fractures /burns: A percentage of the Principal Sum insured is borne for specific injuries listed. The Injury should take place within 90 Days fromthe Accident.
    • Emergency accident medical expense Coverage: Expenses which are not due to a Pre-existing Condition is borne subject to a limit benefit period as mentioned immediate treatment.
    • Home alteration and vehicle modification benefit- If an Individual suffers one of the following Injuries listed (Accidental Dismemberment and Paralysis Coverage Section) expenses incurred for a wheelchair are covered.
    • Temporary total disability: A weekly expenseduring a period of continuous Temporary Total Disability of the individualresulting from Injury after Elimination Period is borne.

     

    Premium Details:

    Pre-Tax:

    Option 1

    Family Package Rates(Max 6 persons - Self, Spouse, 2 Children, 2 Parents

    2539

    3787

    7261

    8909

    Option 2

    Self

    1405

    2087

    4020

    5270

    Self + Spouse

    2529

    3758

    7236

    9487

    Self + Spouse + children(2)

    3710

    5511

    10614

    13914

    Self + Spouse + children(2) + Parent

    4761

    7073

    13621

    17855

    Self + Parents

    3803

    5650

    10878

    14261

    Riders

    Self

    560

    862

    1307

    1866

    Self + Spouse

    1009

    1551

    2353

    3358

     

    Post Tax:

    Option 1

    Family Package Rates(Max 6 persons - Self, Spouse, 2 Children, 2 Parents

    2853

    4255

    815910010

     

    Option 2

    Self

    1579

    2346

    4517

    5921

    Self + Spouse

    2842

    4223

    8131

    10659

    Self + Spouse + children(2)

    4168

    6193

    11926

    15634

    Self + Spouse + children(2) + Parent

    5350

    7947

    15304

    20062

    Self + Parents

    4273

    6348

    12223

    16024

    Riders

    Self

    630

    968

    1469

    2096

    Self + Spouse

    1134

    1743

    2644

    3773

     

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

    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 get 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 the 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:

    • Any pre-existing disease or illness.
    • 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.
    • Being under the influence of drugs or alcohol.
    • Exposure to radioactive substances or diseases due to intoxication.

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