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.
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