Accident Insurance Policy

Accident Guard Policy

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 General Insurance Company Limited brings to you a comprehensive accident insurance cover policy that protects you from all adversities of life – Accident Guard Policy. We ensure there are no speed-breakers in your life.
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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.
  • 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.
  • 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 Accident Guard Policy?
Accident Guard Policy provides cover for the following:
    Plan 1:   Accidental Death & Dismemberment
    Plan 2:   Accidental Death & Dismemberment & Permanent Total Loss of Use                 (including PTD)
    Add on Benefit (Optional): Accidental Weekly Benefit (upto 52 weeks)
    Family Option:
    Following additional benefits will be provided if Family Option is taken
    1. Tuition Benefit: 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. Home Alteration and Vehicle Modification Benefit: 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?
Accident Guard Policy 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 Accident Guard Policy?
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.

    For detailed list of exclusions please refer policy wordings.
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
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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