Personal Injury Insurance Policy
Maha Raksha - Personal Injury Policy
UIN: IRDA/NL-HLT/TAGI/P-P/V.I/199/13-14

Life is unpredictable. You cannot avoid accidents but you can make sure they don’t hurt your family’s finances. In case of an accident there all sorts of costs involved in treatment and recovery. You need to ask yourself some questions to realise how well you are prepared for them.

 
 
Key Features
 
  • Cash benefit for accidental injuries and hospitalization irrespective of your expenses. You can utilize it in whichever way you need to.
  • Accidental policy with eligible entry age from 18-75 years, however policy is renewable for life on payment of premium.
  • Make your claim even if you have another policy.
  • Premium does not increase with the age.
  • 24 hour coverage provided world wide
  • No Medical Examination required
  • No restrictions on hospitals
  • We offer lifelong renewal provided premium is paid without any break.
  • 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. If You have any objections to any of the terms and conditions, You have the option of cancelling the Policy stating the reasons for cancellation and You will be refunded the premium paid by You after adjusting the amounts spent on stamp duty charges and proportionate risk premium. You can cancel Your Policy only if You have not made any claims under the Policy. All Your rights under this Policy will immediately stand extinguished on the free look cancellation of the Policy. Free look provision is not applicable and available at the time of renewal of the Policy.
  • Grace Period of 30 days for renewing the Policy is provided under this Policy. However, coverage would not be available for the period for which no premium has been received.
  • 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
  • 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
 
What are the benefits offered by Maha Raksha - Personal Injury Policy?
 
  1.  Accidental Death : covers for Loss of Life arising due to an Accident.
  2.   Fractures / Dislocation / Burns :Pays a percentage of Principal Sum if Injury has resulted in one of the losses shown in  – “Schedule of Injuries” . Such Injury must occur within  90 Days from the date of the Accident, which caused Injury.
    If more than one Injury results from any one Accident, only one amount, the largest, will be paid.
  3. Hospital Indemnity Accident Only :We will pay a Daily Benefit for each Day upto maximum of 365 days, if You are an Inpatient in a Hospital due to accidental  Injury(ies) that occurs anywhere in the world subject to the Deductible or Franchise (if any).
  4. Loss of Activities of Daily Living : When as the result of accidental  Injury happening within 365 Days from the date of the Accident, You suffer a Permanent inability to perform 3 or more Activities of Daily Living as defined in this Policy for a continuous period of 180 Days.  We will pay Principal Sum, provided such inability has continued for a period of 6 consecutive months at the end of this period.
  5. The Benefits will reduce by 50% from the Age group 71 yrs and above .
Who can buy this insurance?
 
Anyone between the age of 18 and 75-* years can take this plan
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 Maha Raksha Personal Injury Plan?
 
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. any Pre-existing Condition(s) and complications arising out of or resulting therefrom; 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 You, shall return the pro rata premium for any such period of service during the circumstances described in Hazards H-1 or H-2; 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, 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 Airlines ;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. Act of Terrorism; or 
  9. 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. congenital anomalies or any complications or conditions arising therefrom; or
  14. 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; or
  15. is caused by osteoporosis (porosity and brittleness of the bones due to loss of protein from the bones matrix) or pathological fracture (any fracture in an area where pre-existing Disease has caused the weakening of the bone) if osteoporosis or bone Disease diagnosed prior to the Policy Effective Date.
  16. confinement in a Hospital which is not Medically Necessary; or
    For detailed list of exclusions please refer policy wordings.

How can I file a Claim?
 
  • 24x7 Toll Free Helpline 1800-266-7780 / 1800 22 9966 (Only for Senior Citizens)*
    (* Tollfree from MTNL/BSNL lines only)
  • Alternatively you can SMS “CLAIMS” to 5616181
    Click here to know more about our Claims Service
 
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.