TATA AIG Injury Guard Health Insurance

TATA AIG Injury Guard Plan

This plan covers simple fractures to skin burns at different levels. It provides four varied options to choose from as per the requirement.

Minimum age- 18 years and maximum-75 years (6 months-18 years for children).
Covers individual and/or family (Self, Spouse, parents and dependent children (up to 2).

Lifelong renewal facility .Coverage will be reduced by 50% from the age group 71 yrs& above.
The policy will be issued annually.
100% of the Principal sum insured is available to spouse and parents,children will have 50%.

No pre medical examination.
Accidental Death: Covers for injury resulting in loss of life (within 365 days from the date of injury).
Fractures /burns: A percentage of the Principal Sum insured is borne for specific injuries listed. The Injury should take place within 90 Days fromthe Accident.
Emergency accident medical expense Coverage: Expenses which are not due to a Pre-existing Condition is borne subject to a limit benefit period as mentioned immediate treatment.
Home alteration and vehicle modification benefit- If an Individual suffers one of the following Injuries listed (Accidental Dismemberment and Paralysis Coverage Section) expenses incurred for a wheelchair are covered.
Temporary total disability: A weekly expenseduring a period of continuous Temporary Total Disability of the individualresulting from Injury after Elimination Period is borne.

Pre-Tax:

Option 1
Family Package Rates(Max 6 persons - Self, Spouse, 2 Children, 2 Parents	2539	3787	7261	8909
Option 2
Self	1405	2087	4020	5270
Self + Spouse	2529	3758	7236	9487
Self + Spouse + children(2)	3710	5511	10614	13914
Self + Spouse + children(2) + Parent	4761	7073	13621	17855
Self + Parents	3803	5650	10878	14261
Riders
Self	560	862	1307	1866
Self + Spouse	1009	1551	2353	3358

Post Tax:

Option 1
Family Package Rates(Max 6 persons - Self, Spouse, 2 Children, 2 Parents	2853	4255	815910010
Option 2
Self	1579	2346	4517	5921
Self + Spouse	2842	4223	8131	10659
Self + Spouse + children(2)	4168	6193	11926	15634
Self + Spouse + children(2) + Parent	5350	7947	15304	20062
Self + Parents	4273	6348	12223	16024
Riders
Self	630	968	1469	2096
Self + Spouse	1134	1743	2644	3773

*The above rates may change. Please check the policy wordings for more details.

Lifelong renewability: no maximum cover ceasing age in this policy
Grace Period of 30 days for renewing the policy, waiting periods as mentioned in the policy wording get reduced by 1 year on every continuous renewal.
Sum Insured Enhancement: Any change in benefits or premium (other than due to change in age) will be done with the approval of the IRDA and will be intimated at least 3 months in advance at the time of renewal.

Free Look Period:

A period of 15 days after date of receipt of policy to review terms and conditions during which insured can cancel it with due refunds.

Portability:

If the insured wishes to migrate to another Insurer towards renewal, he can draft an application at least 45 days before the date of renewal.

Any pre-existing disease or illness.
Expenses due to suicide/ self-inflicted injury, sexually transmitted diseases, mental/nervous disorder, anxiety or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection
Injuries due to involvement in war, invasion or terrorist activity involvement.
Participation in winter sports, sky diving, scuba diving or related sport activities.
Being under the influence of drugs or alcohol.
Exposure to radioactive substances or diseases due to intoxication.