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Life is uncertain, and unforeseen events can occur at any moment. To help you prepare for such uncertainties, TATA AIG offers the Accident Guard Plan. To categorize this plan, TATA AIG has defined Occupational Classes, which divide people into:
Class I & II
This group includes white-collar workers employed in non-hazardous or semi-hazardous occupations with supervisory duties.
Some examples are:
Class III & IV
This class consists of skilled and semi-skilled workers using light and heavy machinery, such as:
Some examples are:
An accident policy provides additional coverage and complete peace of mind. Get ready for any unforeseen situation and give financial protection to your family with the TATA AIG Accident Guard Policy. Individuals aged 18 years or older can purchase this policy to secure their future and that of their family members, including partners, parents, children, or in-laws.
Read on to learn more about the policy.
| PLAN DETAILS |
Tata Aig Accident Guard Plan |
Manipalcigna Lifestyle Protection Accident Care Plan |
| Product Type | Accident Health Insurance | Accident Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
- | Not Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
- | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
- | Not Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
- | Not Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
- | Not Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
- | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
11000 | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
- | Not Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
- | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
- | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
- | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
- | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
- | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
- | Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
- | Not Covered |
| Plan Entry Age | Minimum-18 years, Maximum- 65 years | Child: 5 - 25 years, Adult: 18 - 80 years |
| Plan Premium Entry Age and S/A | NA | 6492 |
| Plan Waiting Period | NA | NA |
| Plan Coverage | - | Accidental death cover, permanent total disability, temporary total disability, ambulance expenses, accidental hospitalisation |
| Plan Sample Premium | NA | 6492 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 Year | 1, 2, 3 years |
| ICU Charges | - | Covered |
| Covid-19 Treatment | - | Covered |
| Cataract | - | Not Covered |
| Automatic Restoration | - | Not Covered |
| Ayush Treatment | - | Not Covered |
| Modern Treatment | - | Not Covered |
| E Consultation | - | Not Covered |
| Air Ambulance | - | Not Covered |
| Global Coverage | - | Covered |
| Claim Ratio | - | 98 |
| Solvency Ratio | 1.81 | 1.76 |
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