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TATA AIG Accident Guard Plus Insurance

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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.
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