TATA AIG Maharaksha Personal Injury Policy

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*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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      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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      • 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




































      *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.


      • 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.


      • 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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