TATA AIG Accident Guard Plan

Life is very uncertain, you never know what will happen to you in the next second. Are you prepared for that? Nonetheless, to make you ready for life’s uncertainty, TATA AIG came up with the plan named TATA AIG Accident Guard Plan. To distinguish this plan, TATA AIG generated Occupational Classes, which divide a group of people into:

Class I & II

It is the group of people who are working as white-collar workers. These people are employed in non-hazardous occupations and also in semi-hazardous occupations with duties in a supervisory capacity.

Some examples are:

Corporate employees
Lawyers
Doctors
Dentists

Clerks
Salesman
Superintending engineers

Class III & IV

This class consist of skilled and semi-skilled workers using light and heavy machinery, such as:

Some examples are:

Filling Station Attendants
Taxi Drivers
Heavy Motor Vehicles drivers
Industrial Workers

Construction workers
Electricians
Farmers
Labourers

Having a policy that gives you additional coverage in case of an accident will be a great choice as it gives you ultimate mental peace. Get ready for any unforeseen situation, and give financial protection to your family with the TATA AIG Accident Guard Policy. So, if you are 18 years or older, you can purchase the policy to secure the future of everyone around you. You can also buy this plan for your partner, parents, children, or in-laws.

Read below to learn more about the policy.

TATA AIG Accident Guard Plan Specifications

To understand TATA AIG Accident Guard Plan Insurance in detail, take a look at the below table:

Entry Age

Minimum-18 years, Maximum- 65 years

Policy Type

Accident Health Insurance

Sum Insured

1 Crore

Initial Waiting Period*

NA Days

Renewability

Lifelong

Policy Term

1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Losses for Which the Policyholder Will Be Covered!

Loss of:	% of Principal Sum
Both Hands or Both Feet	100%
Sight of Both Eyes	100%
One Hand and One Foot	100%
Either Hand or Foot and Sight of One Eye	100%
Speech and Hearing in Both Ears	100%
Either Hand or Foot	50%
Sight of One Eye	50%
Speech	50%
Hearing in Both Ears 50%	50%
Thumb and Index Finger of the Same Hand	25%Complete accident plan

TATA AIG Health Insurance Company Network Hospital List

TATA AIG Health Insurance Company Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, TATA AIG Health Insurance Company ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Know What is Covered?- Inclusions

Accidental Death

The policy covers the death due to the accident. This means that if the policyholder dies in an accident, the policy will take care of the burial procedure and give further coverage to the beneficiary.

Accidental Dismemberment

The percentage of the principal sum insured will be provided to the policyholder if the injury results in the dismemberment of the person. Dismemberment like, loss of hearing, sight, speech or loss of limbs.

Coverage for Children

If due to an accident the policyholder dies, then the eligible child will get the benefit of education fees if he/she is a graduate student or in the 12th class.

Home Alteration

In case of disablement or injury, you might need to renovate your home. The home renovation charges will be covered by the policy.

Repatriation

If the accident results in loss of life, then the policy will bear the charges of burial and/or cremation along with the transportation of the body to the residence.

Family Transportation

During the treatment, doctors ask the patients to stay at the hospital. Family members have to spend time on personal attendance. So, the policy will cover the immediate family member’s transportation charges.

Temporary Total Disability

If the person suffers temporary disability during the accident, then the company will pay the weekly benefits amount during the period.

What is not Covered?- Exclusions

Suicide or self-inflicted injury

Sexually Transmitted Diseases

Mental or Nervous Disorder

Injuries due to accidents in the armed forces.

Participation in riots, crime or misdemeanour.

Injuries incurred while operating or learning to operate aircraft.

Loss due to war, invasion, or mutiny.

Adventure sports activities.

What You Will Get With The TATA AIG Accident Guard Policy?

Very genuine question, you will get a 360 degree with complete coverage for the accident. Have a look below:

Accidental Death
Your family will get the principal sum shown in the policy schedule if the injury due to the accident results in loss of life.
Dismemberment due to Accident
A percentage of the principal sum insured will be provided to you if you suffer from dismemberment due to accidental injury.
Education Coverage
In case your child is studying, and you meet with an accident that results in death, then the policy will bear the cost of education for your child.
Home Alteration and Vehicle Modification
Accidents can leave some unremovable marks. Sometimes, you need to modify your surroundings. Like making a ramp for easy access or adding side wheels in case of disability and much more. So these expenditures will also be included in the policy.
Claim your Policy in the Form of Gross Weekly Wage
You can claim your policy in the form of a wage. This can act like the weekly salary when you are recovering from the accident injuries.

Explore other TATA AIG Health Insurance Company

To cater to the different medical needs of an individual & their family, TATA AIG Health Insurance Company offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to TATA AIG Health Insurance Company plans explore more:

Accident Health Insurance

TATA AIG Accident Guard Plan

Life is very uncertain, you never know what will happen to you in the next second. Are you prepared for that? Nonetheless, to make you ready for life&...

Unique Features

Comprehensive accident care
Coverage for child education
No waiting period

TATA AIG Accident Guard Plan (Pros)

Temporary total disability
Child enhancement benefit
Air ambulance
Loss of hearing

TATA AIG Accident Guard Plan (Cons)

No alcoholism cover
No war injury cover
No cataract cover
No STD cover

TATA AIG Accident Guard Plan (Other Benefits)

Fractures
Burns
Total disablement cover
Accidental death

TATA AIG Accident Guard Plan (Eligibility Criteria)

Entry age- 6 months
Max entry age- 65 years
SI- NA
Waiting period- 30 days

Individual and Family Health Insurance

Medicare Premier Plan

TATA AIG medicare premier is an all-around health insurance plan offering you the latest and best health care features. Available on an individual and...

Unique Features

Eligibility Criteria
Benefits and Features
Inclusions and Exclusions

Medicare Premier Plan (Pros)

Wellness service
Compassionate travel. Home care
Restore benefit

Medicare Premier Plan (Cons)

Injury due to suicide attempt
Death due to drugs
Injuries due to breach of law
STDs

Medicare Premier Plan (Other Benefits)

OPD dental treatment
First-year vaccinations
In-patient treatment
Second medical opinion

Medicare Premier Plan (Eligibility Criteria)

Entry age- 18 years
Max entry age- 65 years
SI- 5 L to 3 Cr
Waiting period- 30 days

Critical Illness Health Insurance

TATA AIG Criti MediCare Policy

Be ready for future health complications that may chew down all your wealth and health! Or choose Tata AIG Criti MediCare which has your back. Tata AI...

Unique Features

Covers 100 critical illnesses
Cancer-360 indemnity cover
Hospital cash benefit

TATA AIG Criti MediCare Policy (Pros)

Complete cancer coverage
hospital cash
Covers over 100 critical illnesses

TATA AIG Criti MediCare Policy (Cons)

Self-harm not covered
No international coverage
Adventure sports injury not covered

TATA AIG Criti MediCare Policy (Other Benefits)

Discount on premiums
Tele medical examination
Tax benefits

TATA AIG Criti MediCare Policy (Eligibility Criteria)

Entry Age: 18 - 65 Years
Initial Waiting Period: 30 Days
SI: Up to 2 Cr
Policy Term: 1/2/3 Years

Senior Citizen Health Insurance

Tata AIG Elder Care Insurance Plan

Trusted Naam, Fantastic Kaam! Choose all-around care for your health with the Tata AIG Elder Care plan. Tata AIG Elder Care is tailored to offer high-...

Unique Features

Preventive health check-ups
Post-operative care
Homecare treatment cover

Tata AIG Elder Care Insurance Plan (Pros)

Preventive health check-up
Pre-hospitalisation cover
Post-hospitalisation cover
Compassionate visit
In-patient treatment

Tata AIG Elder Care Insurance Plan (Cons)

Obesity/weight control
Change of gender treatments
Hazardous or adventure sports
Maternity not covered

Tata AIG Elder Care Insurance Plan (Other Benefits)

Cumulative bonus
Daycare procedures
Medical second opinion
AYUSH treatment cover

Tata AIG Elder Care Insurance Plan (Eligibility Criteria)

Entry age- 61 years
Max entry age- 85 years
SI- 5-25 Lakhs
Waiting Period- 30 days

Top Up and Super Top Up

Medicare Plus Plan

TATA AIG Medicare Policy offered by Tata AIG is an affordable top-up policy that is designed to look after your and your family's healthcare need...

Unique Features

Lifetime Renewability
High Sum Insured Options
Quick Buying Process

Medicare Plus Plan (Pros)

Global coverage
Cumulative bonus
Tax benefit
Family discount

Medicare Plus Plan (Cons)

No gender change
Any existing disability
Injuries due to breach of law
Injuries due to aviation
No suicide cover

Medicare Plus Plan (Other Benefits)

Consumables benefits
In-patient dental treatment
Ambulance cover
AYUSH Benefits
Domiciliary treatment

Medicare Plus Plan (Eligibility Criteria)

Entry age- 18 years
Max entry age- 65 years
SI- 3 L- 1 Cr
Waiting period- 30 days

Individual and Family Health Insurance

Tata AIG Medicare Plan

TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expens...

Unique Features

Vaccination Covered
AYUSH Covered
Quick Claim Process

Tata AIG Medicare Plan (Pros)

Global coverage
540+ day care treatments
Qualified nurse
Room rent
Organ donor

Tata AIG Medicare Plan (Cons)

Injury due to suicide attempt
Death due to drugs
STDs
Injuries due to breach of law

Tata AIG Medicare Plan (Other Benefits)

AYUSH benefit
Health checkup
Bariatric surgery cover
Vaccination cover

Tata AIG Medicare Plan (Eligibility Criteria)

Entry age- 18 years
Max entry age- 65 years
SI- 3 L- 20 L
Waiting period- 30 days

Individual

TATA AIG Wellsurance Women Policy

To ensure total health coverage for women, Tata AIG Health Insurance has introduced the Wellsurance Women Policy. This plan is specially designed to p...

Unique Features

Designed for Women
Check your Eligibility
Quick Claim Process

TATA AIG Wellsurance Women Policy (Pros)

Cashless hospitalisation
Daily cash benefit
Post-hospitalisation

TATA AIG Wellsurance Women Policy (Cons)

Any pre-existed illnesses or any complications
STDs
Self-inflicted injuries /Attempted suicide
Mental or nervous disorder

TATA AIG Wellsurance Women Policy (Other Benefits)

Free helpline
Discount offerings on health and wellness
Tax benefits

TATA AIG Wellsurance Women Policy (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 7 L

Family

TATA AIG Supercharge Plan

TATA AIG’s Health Supercharge plan offers a fivefold enhancement in your health insurance coverage. This new plan opens the availability to dif...

Unique Features

5X Enhanced Benefits
2 Impressive Variants To Choose
Complete AYUSH Coverage

TATA AIG Supercharge Plan (Pros)

5x benefits
5% extra discount for youngsters
2 plan variants
AYUSH treatment

TATA AIG Supercharge Plan (Cons)

Obesity treatment unavailable
Change of gender treatment
Maternity cover
Act of war not included

TATA AIG Supercharge Plan (Other Benefits)

Unlimited recharge
Wellness benefits
Easy claim process
Restore benefit
Pan India coverage

TATA AIG Supercharge Plan (Eligibility Criteria)

Entry age- 90 days
Max entry age- no limit
SI -INR 5 L to 20 L
Waiting period- 30 days

TATA AIG Accident Guard Plan: FAQs

1. Who is eligible to purchase the TATA AIG Accident Guard Plan?

People aged 18 years and older are eligible to get the plan.

2. What does the TATA AIG Accident Guard Policy cover?

The policy covers accidental death, dismemberment, education expenses for children, repatriation, home alteration, temporary total disability and family transportation costs for hospital visits.

TATA AIG Accident Guard Plan

TATA AIG Accident Guard Plan Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Losses for Which the Policyholder Will Be Covered!

TATA AIG Health Insurance Company Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know What is Covered?- Inclusions

Accidental Death

Accidental Dismemberment

Coverage for Children

Home Alteration

Repatriation

Family Transportation

Temporary Total Disability

What is not Covered?- Exclusions

What You Will Get With The TATA AIG Accident Guard Policy?

Accidental Death

Dismemberment due to Accident

Education Coverage

Home Alteration and Vehicle Modification

Claim your Policy in the Form of Gross Weekly Wage

Explore other TATA AIG Health Insurance Company

TATA AIG Accident Guard Plan (Pros)

TATA AIG Accident Guard Plan (Cons)

TATA AIG Accident Guard Plan (Other Benefits)

TATA AIG Accident Guard Plan (Eligibility Criteria)

Medicare Premier Plan (Pros)

Medicare Premier Plan (Cons)

Medicare Premier Plan (Other Benefits)

Medicare Premier Plan (Eligibility Criteria)

TATA AIG Criti MediCare Policy (Pros)

TATA AIG Criti MediCare Policy (Cons)

TATA AIG Criti MediCare Policy (Other Benefits)

TATA AIG Criti MediCare Policy (Eligibility Criteria)

Tata AIG Elder Care Insurance Plan (Pros)

Tata AIG Elder Care Insurance Plan (Cons)

Tata AIG Elder Care Insurance Plan (Other Benefits)

Tata AIG Elder Care Insurance Plan (Eligibility Criteria)

Medicare Plus Plan (Pros)

Medicare Plus Plan (Cons)

Medicare Plus Plan (Other Benefits)

Medicare Plus Plan (Eligibility Criteria)

Tata AIG Medicare Plan (Pros)

Tata AIG Medicare Plan (Cons)

Tata AIG Medicare Plan (Other Benefits)

Tata AIG Medicare Plan (Eligibility Criteria)

TATA AIG Wellsurance Women Policy (Pros)

TATA AIG Wellsurance Women Policy (Cons)

TATA AIG Wellsurance Women Policy (Other Benefits)

TATA AIG Wellsurance Women Policy (Eligibility Criteria)

TATA AIG Supercharge Plan (Pros)

TATA AIG Supercharge Plan (Cons)

TATA AIG Supercharge Plan (Other Benefits)

TATA AIG Supercharge Plan (Eligibility Criteria)

TATA AIG Accident Guard Plan: FAQs

1. Who is eligible to purchase the TATA AIG Accident Guard Plan?

2. What does the TATA AIG Accident Guard Policy cover?

3. Is there any waiting period for the accidental coverage plan?

4. How to claim TATA AIG Accidental Guard policy?

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