TATA AIG Injury Guard Policy

Policy Benefits

• Accidental death, if occurs within 365 days from the date of injury is covered up to the sub limit specified.
• Disappearance benefit equal to accidental death can be availed, in case you cannot be located within 365 days from the forced landing, sinking, stranding, wrecking of a conveyance in which you were a passenger, or any act of God.
• Accident hospital cash is payable to a maximum of 60 days.
• Fractures of specified severity are covered up to sub limits specified.
• Skin burns of 2^nd and 3rd degree are covered up to sub limits applicable.
• Temporary total disability is covered as a weekly benefit for self and working spouse for up to 52 weeks. It is available as an add-on cover. This benefit cannot exceed <<52,104>> weeks whichever is less.
• Emergency accident medical expenses are reimbursed (self only). It is available as an add-on cover.
• Cost incurred towards House and vehicle modifications (self only) is payable. It is available as an add-on cover.

Value Added Benefits

• Enhancement of the sum insured is available at the renewal, as per underwriting guidelines.
• Migration to similar Individual Personal accident policy for dependents is available.
• Enjoy lifelong renewability and get covered against accidents for the entire life.
• Pre-policy medical examination is not mandatory.
• Get 24x7 claims assistance.
• Claims are paid within 30 days of submission of all necessary documents. In case of delay, the amount is paid with an interest at a rate 2% above the bank rate.

Sub Limits

• Accidental death is payable up to Rs 50,000. For an insured person aged 17 years or below, the maximum sum payable is 10% of the principal sum insured.
• Accident hospital cash is capped up to Rs 1,000/Rs 1,500 for option 1 & option 2 respectively. It is Rs 3,000 for option 3 & option 4.
• Fractures of Hip/Pelvis- Open/Multiple/complete fracture is covered in a range of Rs 25,000 to Rs 1.5 Lacs, depending on the option chosen. All other fractures are covered in a range of Rs 12,500 to Rs 75,000, as per plan opted.
• Fractures of Thigh/Heel- Open/Multiple/complete fracture is covered in a range of Rs 20,000 to Rs 75,000, depending on the option chosen. All other fractures are covered in a range of Rs 10,000 to Rs 40,000, as per plan opted.
• Fractures of Spinal Column, lower leg, ankle, elbow, upper/lower arm- Open/Multiple/complete fracture is covered in a range of Rs 15,000 to Rs 60,000, depending on the option chosen. All other fractures are covered in a range of Rs 7,500 to Rs 30,000, as per plan opted.
• Fractures of shoulder blade,kneecap, hand- Open/Multiple/complete fracture is covered in a range of Rs 10,000 to Rs 40,000, depending on the option chosen. All other fractures are covered in a range of Rs 5,000 to Rs 20,000, as per plan opted.
• Fractures of upper jaw, lower jaw, ribs,check-bones, foot, toes and fingers- Open/Multiple/complete fracture is covered in a range of Rs 5,000 to Rs 20,000, depending on the option chosen. All other fractures are covered in a range of Rs 2,500 to Rs 10,000, as per plan opted.
• Fractures of any other bone- Open/Multiple/complete fracture is covered in a range of Rs 5,000 to Rs 20,000, depending on the option chosen.
• Skin burns of 2nd and 3rd degree, covering 27% and more of the body surface is payable in a range of Rs 15,000 to Rs 60,000, depending on the plan chosen.
• Skin burns of 2nd and 3rd degree, covering 18% up to less than 27% of the body surface is payable in a range of Rs 10,000 to Rs 40,000, depending on the plan chosen.
• Skin burns of 2nd and 3rd degree, covering 9% but less than 18% of the body surface is payable in a range of Rs 5,000 to Rs 20,000, depending on the plan chosen.
• Weekly benefit is covered for Rs 3,000 to Rs 10,000 as per plan opted.
• Emergency accident medical expenses are capped up to Rs 15,000 to Rs 50,000, depending on the plan chosen.
• House and vehicle modifications are capped up to Rs 50,000.

Waiting Period Clause

No waiting period is applicable.