Individual Health Insurance | Individual Health Care Plans | Individual Accident Insurance Policy

Individual Accident and Sickness Hospital Cash

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.
Renewal benefit: On renewal of policy, additional 5% on the original benefit amount upto max 5 yrs.

What are the benefits of Individual Accident and Sickness Hospital Cash?

Sickness Hospital Cash: It takes care of hospitalization expenses due to sickness; upto Rs. 5000/day
Accidental Hospital Cash: You can also opt for accident hospital cash benefit which takes care of incidental expenses while in hospital due to accidents; available upto Rs.10000/day
Accident Medical Expense Reimbursement: This benefit takes care of reimbursement of day to day medical bills due to accidental injuries with or without hospitalization.
1 day deductible and 90 days waiting period for Sickness Hospital Cash
Deductible of 5% of benefit amount for Accident Medical expense reimbursement
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?

Any individual between the age of 18 to 50 years and
Includes self, spouse and two dependent children between the age of 6 months and 18 yrs or upto 23 yrs if studying in an accredited institution of higher learning and is unmarried)
The Coverage can be renewed till age of 50 Years

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?

Any pre-existing Condition, any complication arising from it, suicide, AIDS, Military service or operation, being under the influence of drugs, alcohol, war, illegal acts, dangerous sports.
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.
Pregnancy and resulting childbirth, miscarriage or Disease of the female organs of reproduction.
Elective, cosmetic or plastic surgery, except as a result of an injury caused by a covered condition.
Services, supplies, or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as Medically Necessary by a Physician.
Routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or X-ray examinations except in the course of a disability established by the prior call or attendance of a physician.
Dental care, except as a result of injury caused by Accident to Sound Natural Teeth while this Policy is in effect.
Expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails.
The diagnosis and treatment of acne.
Deviated transplant that are considered experimental in nature.
Well child-care including examinations and immunizations.
Expenses which are not exclusively medical in nature.
Any expenses incurred outside India.
Refer to policy wordings for complete list of Exclusions