Accident Guard Policy
Life is full of surprises, good as well as bad ones. While you can’t always avoid the bad ones, you can prepare yourself in advance, and we are here to help you with that.
At Tata AIG General Insurance Company Limited, preparedness is the best cure.
Self Service Options
Service request
Make changes to your policy & update
your contact details.
Service request:
Make changes to your policy & update
your contact details.
Documents
Print policy document and view
renewal notice
Documents:
Print policy document and view
renewal notice
Features that make it the #RightInsurance
Apart from taking care of you after an accident, we’ll also make things easier before one.
- Option to take the plan in multiple units of Rs 5 lakh to 1 crore, along with the facility of lifelong renewal
- Evaluation period of 15 days and the option to get it cancelled and have the premium refunded in case of any disagreement
- Grace period of 30 days to renew the policy.
- Option to increase the sum assured at the time of renewal.
- Principal sum will be increased by 5% (up to 25%) every year if there is no interruption in coverage
- Reimburse transportation cost for family members if you meet an accident.
- Pay double Accidental Dismemberment Benefit for Eligible Children covered and payable under the policy
- Reimburse if injury causes any one of the losses mentioned in the Table of Losses
- Reimburse the cost of modifying vehicle or house to make it more accessible in case of an accidental disability.
Covers to protect you
To help minimise your problems leading from an accident, this policy will
- Pay the Principal Sum shown in the Policy Schedule in case of an injury that leads to loss of life
- Compensate you if an injury leads to dismemberment
- Pay weekly benefit in case of continuous Temporary Total Disability, for the entire duration of the disability
- Pay benefit amount towards children’s education in case of you meet an unfortunate event.
- Pay repatriation expenses if the accidental death happens away from the place of your residence
- Reimburse transportation cost for family members if you are hospitalised more than 150 km from home, with a physician’s recommendation after you meet an accident.
- Pay double Accidental Dismemberment Benefit for Eligible Children covered and payable under the policy
- Reimburse if injury causes any one of the losses mentioned in the Table of Losses
- Reimburse the cost of modifying vehicle or house to make it more accessible in case of an accidental disability.
Exclusions
Situations in which the policy won’t work
The policy doesn’t apply in case of
- Suicide, self-inflicted injury, sexually transmitted diseases, mental or nervous disorder, AIDS and HIV
- Injuries incurred while servicing in the armed forces of any country.
- Damage while being under the influence of alcohol or other intoxicants or hallucinogens unless prescribed by a physician.
- If you were a participant in felony, riot, crime, misdemeanour, or civil commotion.
- Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Airline
- Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities, rebellion, mutiny, use of military power or usurpation of government or military power.
- Damage related to nuclear reaction, radiation, radioactive contamination or the dispersal or application of pathogenic or poisonous biological/chemical materials.
- The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment.
- Congenital anomalies or any complications or conditions arising from it.
- Participation in adventure sports, underwater activities, rafting, canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles) or participation in any professional sports.
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