Personal Accident Insurance Policy
Individual Accident and Sickness Hospital Cash Policy
With our new age lifestyles, our susceptibility to risks has increased more than ever. With the escalating medical costs the charges like Surgeon's fees, diagnostic tests etc may turn out to be very expensive. In some instances the hospitalization may be prolonged and may drain your savings.

Tata AIG 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
 
  • A Daily Cash benefit which takes care of any unexpected financial burden in case of hospitalization.
  • No Medical Examination required
  • Hospitalisation Cash upto 180 days in case of Accidents or Sickness
  • Premium paid is eligible for tax exemption under Sec 80D of IT Act.
  • Guaranteed issuance.
  • No Limitation on Hospitals
  • Flexibility in choosing options; 5 convenient offer different levels of protection against hospitalization expenses.
  • Renewable for life
  • 15 days Free Look period (For the new business only)
  • 30 days Grace Period (For renewals only).
  • Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal . However the quantum of increase shall be as per underwriting guidelines of the company.
  • Changes will be notified to the policyholders 3 months in advance in case of revision /modification in approved product.
  • Option to migrate to similar health Insurance policy would also be given to the dependents once they are at the specified exit age
  • Likelihood of withdrawal of the product will be notified to the policy holders 3 months prior to the expiry of the policy and option would be given to migrate to similar Health Insurance policy
 
What are the benefits of Individual Accident and Sickness Hospital Cash?
 
  1. In-hospital Indemnity For Accidents : Pays  for  Daily Benefit for each Day for  Inpatient Hospitalisation due to Injury or Accidents
  2. In-hospital Indemnity For Sickness : Pays  for  Daily Benefit for each Day for  Inpatient Hospitalisation due to Illness ,Disease or Sickness .
  3. Accident Medical Expense Reimbursement: This benefit takes care of reimbursement of day to day medical bills due to accidental injuries with or without hospitalization.
  4. 1 day deductible and 90 days waiting period for under Hospital Indemnity for Sickness
  5. Deductible of 5% of benefit amount under Accident Medical expense reimbursement
  6. Coverage will be 100% of the Coverage amount in case of Insured and Spouse, 50% in case of each child
Who should buy this insurance?
 
  • Entry age between the age 18-65, policy is however renewable for life upon payment of premium provided the cover is maintained with us  without a break.
How can I buy this insurance?
 
Click here for Quote.
You can give us your details in the “Have us call you” form and we will get in touch with you shortly.
What is not covered under Individual Accident and Sickness Hospital Cash?
 
  1. any Pre-existing Condition, any complication arising from it or
  2. suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune-deficiency Virus (HIV) infection; or
  3. serving in any branch of the Military or Armed Forces of any country, whether in peace or War, and in such an event We, upon written notification by the Policyholder, shall return the pro rata premium for any such Insured Period of service under the circumstances described in a Hazard; or
  4. being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed; or
  5. participation in an actual or attempted felony, riot, crime, misdemeanor, (excluding traffic violations) or civil commotion; or
  6. operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft; or Scheduled Aircraft.; or
  7. War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; or
  8. any loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any Act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.
    The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to action taken in respect of any act of terrorism.
    If the Company alleges that by reason of this Exclusion, any loss, damage, cost or expenses is not covered by this insurance the burden of proving the contrary shall be upon the Insured or
  9. the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act; or
  10. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
  11. the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
  12. congenital anomalies or any complications or conditions arising therefrom; or
  13. participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sport, any bodily contact sport or any other hazardous or potentially dangerous sport for which you are trained or untrained;or.
  14. any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy, or
  15. for any loss of which a contributing cause was Your actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or Your resistance to arrest; or
  16. if You are admitted to a Hospital within 90 days immediately following the Effective Date of Coverage stated in the Schedule, unless hospitalization is caused by Injury
  17. If You are admitted to a Hospital during the first 3 months immediately following the Policy Effective Date as a result of cataract(s), benign prostatic hypertrophy, hysterectomy for menorrhagia or fibromyoma, hernia, hydrocle, fistula in anus, piles, sinusits and related disorders;
  18. Any medical treatment taken outside of India.
  19. Any non medical treatment
How can I file a Claim?
 
  • Call us at our 24 X 7 Toll Free number 1800 266 7780 / 1800 22 9966 (Only for Senior Citizens)
  • Alternatively you can SMS “CLAIMS” to 5616181
    Click here to know more about our Claims Service
View and Download Customer Information sheet Document
 
Click here to View and Download Customer Information sheet Document
View and Download Policy Wordings
 
Click here to View and Download Policy Wordings
 
Buy Service
 **I hereby authorize Tata AIG General Insurance Company Limited to contact me.
It will override my registry on the DNCR.

Call us on our 24x7 Toll Free helpline 1800-266-7780
OR
SMS `TAG` to 5616181
Write to us at customersupport@tata-aig.com or click here to give us your feedback.
 
 
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