TATA AIG Accident Guard Insurance, Accident Guard Insurance Plan

Life's journey takes you through many twists and turns. You may not be prepared for it, but you have to face it. Accidents, mishaps and other adverse situations bring along dire consequences. They can leave a dent on your life both emotionally and financially, if you are not prepared for it. Some 80,000 people die annually in road accidents in india and if we consider other deaths due to other accidents the figures are much higher. About 40% of those who die are below the age of 45. With TATA AIG on your side you have nothing to fear. It brings to you a comprehensive cover the protects you from all adversities of life.

TATA AIG Health Insurance Review

Sum Insured
3 lacs − 20 lacs options available
Tenure Options
1, 2 or 3 years options available
Claims Incurred Ratio *
78.00%
Claims Settlement Ratio **
80.61%
List of Network Hospitals
4,000+ hospitals
Number of Policies issued *
220,583
Number of Lives Covered *
2,248,000
Maximum Family Floater Coverage
Self, Spouse + 3 dependent children + 2 dependent parents
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website
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Accident Guard Insurance plan details

  • Features
  • Exclusions
  • Option to take the plan in multiple units of Rs 5 lakh to 1 crore, along with the facility of lifelong renewal.
  • Evaluation period of 15 days and the option to get it cancelled and have the premium refunded in case of any disagreement.
  • Grace period of 30 days to renew the policy.
  • Option to increase the sum assured at the time of renewal.
  • Principal sum will be increased by 5% (up to 25%) every year if there is no interruption in coverage.
  • Reimburse transportation cost for family members if you meet an accident.
  • Pay double Accidental Dismemberment Benefit for Eligible Children covered and payable under the policy.
  • Reimburse if injury causes any one of the losses mentioned in the Table of Losses.
  • Reimburse the cost of modifying vehicle or house to make it more accessible in case of an accidental disability.
  • Pay the Principal Sum shown in the Policy Schedule in case of an injury that leads to loss of life.
  • Compensate you if an injury leads to dismemberment.
  • Pay weekly benefit in case of continuous Temporary Total Disability, for the entire duration of the disability.
  • Pay benefit amount towards children’s education in case of you meet an unfortunate event.
  • Pay repatriation expenses if the accidental death happens away from the place of your residence.
  • Reimburse transportation cost for family members if you are hospitalised more than 150 km from home, with a physician’s recommendation after you meet an accident.
  • Pay double Accidental Dismemberment Benefit for Eligible Children covered and payable under the policy.
  • Reimburse if injury causes any one of the losses mentioned in the Table of Losses.
  • Reimburse the cost of modifying vehicle or house to make it more accessible in case of an accidental disability.
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What are the unique benefits of TATA AIG health insurance?

Some of the TATA AIG health insurance benefits are

  • Cashless hospitalization due to accident and sickness at 4500+ network hospitals
  • No room rent restrictions
  • Pre-existing diseases cover after 2 year waiting period.
  • Domiciliary treatment
  • 541 day care procedure
  • Family discount of up to 32% and up to 10% discount if purchased for 3 years.
  • Maternity and new born baby cover
  • Vaccination cover
  • Bariatric surgery
  • Tax benefit under section 80D
  • Renewal for life
  • Ayush benefit
  • Global cover
  • Restore benefit (for related and unrelated issues)
  • OPD cover
  • Emergency air ambulance
  • No Claim bonus
  • Good claim settlement ratio
  • Other consumable benefits

Tata AIG health insurance claims

Claim related information:

For any claim related query, intimation of claim and submission of claim related documents, you can contact Your TPA through:

  • Name of TPA : Family Health Plan Insurance TPA Ltd (FHPL)
  • Website : www.fhpl.net
  • Email
  • Toll Free
    • 1800-425-4033
    • 040- 23552899 (for Senior Citizens)
  • Fax : +91-40-23541400
  • Submit claim
    • Claims Department, Family Health Plan Insurance (TPA) Ltd, Srinilaya – Cyber Spazio Suite # 101,102,109 & 110, Ground Floor, Road No. 2, Banjara Hills, Hyderabad, 500 034.

Procedure for Reimbursement of medical expenses

  • The TPA (Third Party Administrator) must be informed no later than 7 days of completion of such treatment, consultation or procedure using the Claim Intimation Form.
  • Please send the duly signed claim form and all the information/documents mentioned therein to your designated TPA within 15 days of the occurrence of the Incident. Please refer to claim form for complete documentation.
  • If there is any deficiency in the documents/information submitted by the insured, the TPA will send the deficiency letter within 7 days of receipt of the claim documents.
  • On receipt of the complete set of claim documents, Tata AIG will send the payment for the admissible amount, along with a settlement statement within 30 days.
  • The payment will be sent in the name of the proposer.

(Note: Payment will only be made for items covered under your policy and upto the limits therein.)

Procedure to avail cashless treatment

  • For any emergency Hospitalisation, the designated TPA must be informed no later than 24 hours after hospitalization.
  • For any planned hospitalization, kindly seek cashless authorization from the designated TPA atleast 48 hours prior to the hospitalization.
  • TPA will check your coverage as per the eligibility and send an authorization letter to the provider. In case there is any deficiency in the documents sent, the same shall be communicated to the hospital within 6 hours of receipt of documents.
  • Please pay the non-medical and expenses not covered to the hospital prior to the discharge.
  • In case the ailment /treatment is not covered under the policy a rejection letter would be sent to the provider within 6 hours.

(Note: n Insured person is entitled for cashless coverage only in our empanelled hospitals.)

Grievance redressal procedure

Tata AIG is committed to extend the best possible services to the insured. However, if you are not satisfied with our services and wish to lodge a complaint, please call our 24X7 Toll free number 1800266-7780 or 022-66939500 (toll number) or 1800 22 9966 (For Senior Citizens) or you may email to the customer service desk at customersupport@tataaig.com. After examining the issue and subsequent closure, Tata AIG will send our response within 10 days from the date of receipt of the complaint by them. In case the resolution is likely to take a longer time, we will inform you of the same through an interim reply.

Escalation level 1

In case you do not receive a resolution within 10 days or if the resolution still does not meet your expectations, you can write to manager.customersupport@tataaig.com . After analysing the matter internally and subsequent closure, we will send our response within a period of 8 days from the date of receipt at this email id.

Escalation level 2

In case you do not receive a resolution within 8 days or if the resolution still does not meet your expectations, you can write to Head - Customer Services at head.customerservices@tataaig.com . After examining the matter, we will send you our final response within 7 days from the date of receipt of your complaint on this email id.

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