TATA AIG Maharaksha Personal Injury Policy

A comprehensive policy covering the Individual as well as family, and protecting against accidental injuries and subsequent treatments.

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TATA AIG Maharaksha Personal Injury Policy

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    Eligibility:

    • Minimum age- 18 years and maximum- 75 years.

    Policy Benefits:

    • Accidental Death:Expenses covered for loss of life due to an Accident.
    • Fractures / Dislocation / Burns: A percentage of Insured Sum is paidfor a specific injury (must occur within 90 Days from date of the Accident).
    • Hospital Indemnity Accident Only:Daily Expenses against hospitalisation is borne subject to a maximum of 365 days.
    • Unable to do activities in daily living: Under cases where the Insured loses capability to perform 3 or more daily functions (Injury happening within 365 Days from the date of the Accident) for a continuous period of 180 Days the Principal Sum is paid.
    • Above 71 years of age benefits reduce by 50%.

    Policy Details:

    • Cash payment for accidents/hospitalization irrespective of expenses.
    • Lifetime renewal facility however premium does not increase with the age.
    • Double Claim benefit: Avail benefits of this policy even if insured with another policy.
    • 24 hour coverage worldwide, no restrictions on hospitals

    Premium Details:

    No of persons Insured

    Level of insurance

    1

    2

    3

    4

    5

    6

    1

    1264

    2529

    2970

    3712

    5355

    7141

    2

    2145

    4292

    5048

    6310

    9290

    12386

    3

    3156

    6310

    7413

    9267

    13662

    18215

    4

    4042

    8084

    9493

    11866

    17486

    23315

     

    *The above rates may vary. 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 condition.
    • 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.
    • Accidents due to involvement with related to aircraft, or as a member of the crew.
    • Being under the influence of drugs or alcohol.
    • Exposure to radioactive substances or diseases due to intoxication.

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