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    Maharaksha - Personal Injury Policy

    Even a minor fracture or burn can make day-to-day life a tough task, but with Maharaksha, we make sure an injury doesn’t affect your finances and helps you get back out there and enjoy life as it’s meant to be.


    At Tata AIG General Insurance Company Limited, preparedness is the best cure


    UIN: TATPAIP03001V010203

    ADVT: TAGIC/WebApp/MRP/Mar 17/24      Ver1/ All

    Have Us Call You
    Or You Can Contact Us on Our Toll Free No 1800 266 7780

    • REASONS to have this policy

      To not let an injury put a break on your daily life, we will

      • Accidental Death- We will pay twice the Principal Sum shown in the Policy Schedule if Injury to You results in loss of life. The loss must occur within 365 Days from the date of the Accident which caused Injury. 

      • Fractures / Dislocation / Burns - We will pay a percentage of the Principal Sum shown in the Policy Schedule if Injury to You results in one of the losses shown in the Schedule of Injuries in policy wordings. The Injury must occur during the circumstances described in Hazard H-1 within 90 Days from the date of the Accident, which caused Injury. If more than one Injury results from any one Accident, only one amount, the largest, will be paid..

      • In-Hospital Indemnity Accident Only- We will pay a Daily Benefit for each Day You are an Inpatient in a Hospital due to Injury subject to any applicable Deductible or Franchise shown in the Policy Schedule, that occurs anywhere in the world and commences during the circumstances described in Hazard H-1 and while this Policy is in effect. The Period of Confinement must be Medically Necessary and recommended by a Physician.

      • Cash benefit during Hospitalization- When as the result of Injury occurring under the circumstances described in Hazard H-1 and commencing within 365 Days from the date of the Accident You suffer a Permanent inability to perform 3 or more Activities of Daily Living as defined in this Policy for a continuous period of 180 Days. We will pay, provided such inability has continued for a period of 6 consecutive months at the end of this period, the Principal Sum as shown in the Policy Schedule.

    • FEATURES to make the deal sweeter

      If you still need reasons to buy this policy, here are a few more.


      • No Loading - We will not apply any additional loading on your policy premium at renewal based on your claim experience

    • THINGS you must know

      In addition to the General Exclusions listed in this Policy, it shall not cover:


      • 1. Loss caused directly or indirectly, wholly or partly by:

        a. infections (except pyogenic infections which shall occur through an Accidental cut or wound) or any other kind of Disease;

        b. medical or surgical treatment except as may be necessary solely as a result of Injury;

      • Any Injury which shall result in hernia.

      • Hospitalization due to any disease or sickness; pregnancy and resulting childbirth, miscarriage or disease of the female organs of reproduction; or

      • Routine physical exams; or

      • Elective, cosmetic or plastic surgery, except as a reslt of an injury caused by a covered Accident while our policy is in force

      • Any mental, nervous or emotional disorders or rest cures.

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    2008, Tata AIG General Insurance Company Limited, all rights reserved.

    Registered Office : Peninsula Business Park, Tower A, 15thFloor, G.K.Marg, Lower Parel, Mumbai-400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425.

    Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation.

    For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

    Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – Fax Number – 022 66938170