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:

Post Tax:

*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.