TATA AIG Injury Guard Plan

Introduction:

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

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.