TATA AIG Individual Accident & Sickness Hospital Cash Policy

What is the Plan all About?

Sometimes prolonged hospitalization or treatment of critical illnesses may eat all the sum insured available in your health insurance policy. Individual Accident and Sickness Hospital Cash Policy supplements your existing health policy and helps you get an adequate health cover against unexpected medical emergencies.

5 Plan Variants can be opted under this plan:

Level 1
Level 2
Level 3
Level 4
Level 5

Key Features

Avail Daily hospital cash
Hospitalisation Cash up to 180 days for Accidents or Sickness
5 different variants to choose from
No pre-policy medical check-up
Lifelong renewability
Enjoy tax benefits

Policy Benefits

A daily benefit is payable (subject to deductible) towards In-patient hospitalization due to injury/accident, covered up to 180 days.
A daily benefit is payable towards In-patient hospitalization due to sickness, covered up to 180 days with 1 day deductible.
Accident medical expenses (not caused due to pre-existing condition) are reimbursed, subject to deductible under the policy.

Value Added Benefits

Sum Insured Enhancement at the policy renewal.
Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

Deductible of 5% of benefit amount under Accident Medical expense reimbursement.
50% coverage is provided in case of each child.
In Hospital Indemnity for Sickness under Level 1, 2, 3, 4 & 5 is Rs 500, Rs 1000, Rs 2000, Rs 3000 & Rs 5000 per day respectively.
In Hospital Indemnity for Accidents under Level 1, 2, 3, 4 & 5 is Rs 1000, Rs 2000, Rs 4000, Rs 6000 & Rs 10000 per day respectively.
Accident medical expenses reimbursement under Level 1, 2, 3, 4 & 5 is is payable up to Rs 5000, Rs 10000, Rs 15000, Rs 20000 & Rs 25000 respectively.

Waiting Period Clause

Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
Pre existing Disease Waiting Period: Any pre-existing ailment/injury or any condition arising from it, is not covered.
Hospitalization Waiting period: In-hospital benefit for sickness can be availed after a waiting period of 90 days.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 6 Months	65 Years
Daily Cash	Rs 2000	Rs 4000
Cover Type	Individual/Family	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-