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Tata Aig Accident Guard Plan vs Personal Accident Insurance

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Life is very uncertain, you never know what will happen to you in the next second. Are you prepared for that? Nonetheless, to make you ready for life’s uncertainty, TATA AIG came up with the plan named TATA AIG Accident Guard Plan. To distinguish this plan, TATA AIG generated Occupational Classes, which divide a group of people into:

Class I & II

It is the group of people who are working as white-collar workers. These people are employed in non-hazardous occupations and also in semi-hazardous occupations with duties in a supervisory capacity.

Some examples are:

  • Corporate employees
  • Lawyers
  • Doctors
  • Dentists
  • Clerks
  • Salesman
  • Superintending engineers

Class III & IV

This class consist of skilled and semi-skilled workers using light and heavy machinery, such as:

Some examples are:

  • Filling Station Attendants
  • Taxi Drivers
  • Heavy Motor Vehicles drivers
  • Industrial Workers
  • Construction workers
  • Electricians
  • Farmers
  • Labourers

Having a policy that gives you additional coverage in case of an accident will be a great choice as it gives you ultimate mental peace. Get ready for any unforeseen situation, and give financial protection to your family with the TATA AIG Accident Guard Policy. So, if you are 18 years or older, you can purchase the policy to secure the future of everyone around you. You can also buy this plan for your partner, parents, children, or in-laws.

Read below to learn more about the policy.

PLAN DETAILS

Tata Aig Accident Guard Plan


Personal Accident Insurance

Premium Including GST
Product Type Accident Health Insurance Accident Health Insurance
Key Features
(Key features of the plan)
  • Comprehensive accident care
  • Coverage for child education
  • No waiting period
  • No room rent capping
  • Zero co-payment
  • Accidental death & disability cover
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
- -
Room Rent
(A limit of room rent cover during hospitalization if any)
- -
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
- -
Pre-hospitalization
(Expenses before the insured is hospitalized)
- -
Post-hospitalization
(Expenses after discharge from the hospital)
- -
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
- -
Hospital_network
(Number of Hospital Network in city)
11000 9000
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
- -
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
- -
Ambulance Charges
(Expenses incurred on ambulance charges)
- -
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
- -
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
- -
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
- -
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
- -
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
- -
Plan Entry Age Minimum-18 years, Maximum- 65 years 18 Years
Plan Premium Entry Age and S/A NA NA
Plan Waiting Period NA 30
Plan Coverage - -
Plan Sample Premium NA NA
Plan Brochure Brochure URL Brochure URL
Policy Term 1 Year 1 Years
ICU Charges - -
Covid-19 Treatment - -
Cataract - -
Automatic Restoration - -
Ayush Treatment - -
Modern Treatment - -
E Consultation - -
Air Ambulance - -
Global Coverage - -
Claim Ratio - 99
Solvency Ratio 1.81 3.85

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