Personal Accident Health Insurance Coverage

Accident Guard

Life's journey takes you through many twists and turns. You may not be prepared for it, but you have to face it. Accidents, mishaps and other adverse situations bring along dire consequences. They can leave a dent on your life both emotionally and financially, if you are not prepared for it.

Tata AIG brings to you a comprehensive accident insurance cover policy that protects you from all adversities of life – Tata AIG Accident Guard. We ensure there are no speed-breakers in your life.
Calculate Health Insurance Premium for Accident Guard Buy Accident Guard Online - Health Insurance Policyfrom Tata AIG

Key Features

  • Flexible : The product has been designed for your convenience enabling you to pick and choose the benefits best suited to you and your family. This plan can be taken in multiple units of Rs. 5 lacs up to Rs. 1 crore.
  • We offer lifelong renewal provided premium is paid without any break.
  • 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 Individual Personal accident policy for dependents 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 Individual Personal Accident Insurance policy
  • ESCALATION BENEFIT - The principal sum for any Insured Person will be increased by five (5%) percent on each anniversary date of the policy provided there is no interruption in coverage. The total of all increases is limited to twenty five (25%) percent.
What are the key benefits of Tata AIG Accident Guard?
Tata AIG Accident Guard provides cover for the following:
  1. Accidental Death & Dismemberment
  2. Accidental Death & Dismemberment & Permanent Total Loss of Use (including PTD)
  3. Additional benefits if Family Option is taken
    1. Education allowance : In case of accidental death, 10% of principal sum insured or the actual tuition charged by the institution whichever is lower, is paid towards your children's education benefit
    2. Repatriation of remains : An amount up to a maximum of Rs. 5,000 will also be reimbursed for the repatriation of the insured person’s remains.
    3. Modification allowance : In case of a Permanent Total Disability or Dismemberment, an amount up to a maximum of Rs. 1,00,000 will be reimbursed to you towards the cost of modifying your house or vehicle, to combat Disability.
    4. Double Dismemberment benefit for children: For your children who are automatically insured, Dismemberment benefit doubles.
    5. Family transportation: When as a result of an accident, the principal insured is confined in a hospital outside 150 kms of his residence, we will reimburse the actual transportation expenses incurred by the immediate family member, to reach the insured person up to a maximum of Rs. 50,000.
What are the Policy Terms & Condition?
Tata AIG Accident Guard provides cover for the following:
  1. Max Sum Insured opted can be: A salaried person can take upto a maximum of 10 times of Annual Income (as appearing in Form 16 / Salary Slip / IT/ Acknowledgment) and A Self Employed Person can take upto the max of 20 times of annual income (as appearing in IT Acknowledgment /Audited P & L)
  2. Only people employed in occupational class I and II are covered *
  3. The number of units of Accidental Weekly Benefit cannot exceed the number of units of Accidental Death & Dismemberment

  4. *Class I & II - White Co llar non - Hazardous occupations with office, Showroom only i.e Lawyers;doctors; dentists; office executives; clerks; Salesmen; Superintending engineers, etc. Semi hazardous occupations with duties in supervisory capacity (not a machine operator of any type,nor doing manual work, labour, etc.)
Who should buy this insurance?
Any person can buy for Self & Spouse - 18-65 yrs, For Children - 6 months to 18 yrs (23 yrs. incase of Higher Education)
How can I buy this insurance?
Click here for a 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 Tata AIG Accident Guard?
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:
  1. 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
  2. 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 You, shall return the pro rata premium for any such period of service during the circumstances described in a Hazard; or
  3. being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed; or
  4. participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion; or
  5. operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft; or
  6. 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
  7. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
  8. the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
  9. congenital anomalies or any complications or conditions arising therefrom; or
  10. 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 Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which You are untrained.
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


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