Tata AIG Individual personal accident (IPA) guard plus insurance offers coverage for injuries from unfortunate accident that can lead to financial disaster.
Age - 18 years to 70 years
Life Long Renewal
Coverage for Individual and Family
The 10% escalation advantage applies to each ongoing renewal of up to 50% and no claims have been made under accidental death, permanent total disability and permanent partial disability
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Features
Benefits
Exclusions
Loan Shield: In the event of the main insured's accidental death, we will pay the exceptional credit quantity up to 25% of the insured sum or the real credit amount, whichever is lower.
Air Ambulance: covers the use of Air Ambulance service to transport insured persons to hospital in the event of an accident Up to 5 lakes per year or smaller per insured.
Cost of Artificial Limbs: Covers the cost of artificial limbs required owing to disability induced by Permanent Total Disability or Permanent Partial Disability up to 10 percent of the accidental death benefit Sum Insured or any lake or actuals less.
Coma Benefit: If an insured person sustains bodily injury that results in him being in a Comatose State during the policy period, directly and independently of all other causes, then we will pay 10 percent of the Accidental Death Sum Insured up to Rs 5 lakhs, whichever is less.
Cost of Crutches / Wheel Chair: Covers the cost of crutches / Wheel Chair required owing to impairment induced by Permanent Total Disability or Permanent Partial Disability up to 1 lakh or 10% of the accidental death benefit Sum Insured or actuals less.
Child Tuition Benefit: For each child who has not reached the age of 23 years and is enrolled as a full-time student in an instructional organization, we will also pay a set amount for kid tuition expenses.
Essential Features to protect your family and yourself from unforseen expenses
Accidental Death
Permanent total Disability
Permanent partial Disability
Accidental Hospitalization Expenses
Temporary total Disability
Accidental Dismemberment
Ambulance Cost
Hospital Daily Cash
Cost of Crutches/ wheel chair
coma benefit
cost of artificial limits
Fractures or burns
Air Ambulance
Funeral benefits and repatriation of remains
You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy.
Grace Period of 30 days for renewing the Policy is provided under this Policy.
Exclusions of Accident Guard Plus
This entire Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, directly or indirectly in respect of:
Losses that do not occur within the policy period.
Ionising radiation or contamination by radioactivity from any nuclear waste
from combustion of nuclear fuel; or The radioactive, toxic, explosive or other
hazardous properties of any explosion nuclear assembly or nuclear component,
thereof.
Asbestosis or other related sickness or disease resulting from the existence,
production, handling, processing, manufacture, sale, distribution of asbestos
or other products thereof.
War or any act of war, invasion, act of foreign enemy, war like operations
(whether war be declared or not or caused during service in the armed forces
of any country), civil war, public defence, rebellion, revolution, , insurrection,
military or usurped acts, nuclear weapons/materials.
Suicide, attempted suicide (whether sane and insane) or intentionally self-inflicted
injury or illness.
