In-hospital indemnity for accidents: The company pays the policy holder a daily cash benefit up to 180 days for inpatient medical expenses due to accident or injury as per agreed policy terms and conditions.
In-hospital indemnity for sickness: The company pays the policy holder a daily cash benefit up to 180 days for inpatient medical expenses due to Illness, or Disease or Sickness as per agreed policy terms and conditions.
Accident medical expense reimbursement: The company pays the policy holder reasonable charges for covered medical expenses due to an injury up to the maximum amount and benefit period as stated in the policy schedule.
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Tata AIG General Insurance Company Limited Individual Accident and Sickness Hospital Cash is a perfect supplement for an individual’s health insurance policy and can be taken along with any other health insurance schemes.
Key features of TATA AIG Individual Accident and Sickness hospital cash policy
A Daily benefit hospitalization for Accident & Sickness.
No Pre-policy check up required
Hospitalisation Cash upto 180 days in case of Accidents or Sickness
Tax Benefits-Get tax benefits for premium paid on policies as per section 80D of the Income Tax Act.Tax benefits are subject to changes in tax laws.
Flexibility in choosing options-5 different levels .
We offer life-long renewal subject to application for renewal
Free Look Period –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.
Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal.
Any revision / modification in the product will be done with the approval of the Insurance Regulatory and Development Authority and will be intimated to you atleast 3 months in advance
TATA AIG Individual Accident and Sickness hospital cash insurance benefits
In-hospital Indemnity For Accidents – Pays for Daily Benefit for each Day for Inpatient Hospitalisation due to Injury or Accidents upto 180 days.
In-hospital Indemnity For Sickness - Pays for Daily Benefit for each Day for Inpatient Hospitalisation due to Illness ,Disease or Sickness upto 180 days.
Accident Medical Expense Reimbursement – We will pay the Reasonable Charges, subject to the Deductible shown in the Policy Schedule, for Covered Medical Expenses that occurs within the Republic of India, for medical services which are not due to a Pre - existing Condition up to the maximum amount and benefit period stated in the Policy Schedule for the treatment of an Injury sustained by you.
1 day deductible and 90 days waiting period for under Hospital Indemnity for Sickness
Deductible of 5% of benefit amount under Accident Medical expense reimbursement
Coverage will be 100% of the Coverage amount in case of Insured and Spouse, 50% in case of each child
Intentionally self-inflicted Injury or illness;
Conditions related to or arising out of HIV;
AIDS; War; Congenital anomalies;
Pregnancy and all related conditions; Abuse of drugs and alcohol and addiction or overdose etc.