TATA AIG Accident Guard Plan
  • Comprehensive accident care
  • Coverage for child education
  • No waiting period
TATA AIG Accident Guard Plan
Network hospitals

Network hospitals

11000+

Incurred claim ratio

Incurred claim ratio

96.70%

Sum insured

Sum insured

Up to 3 Crores

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

3.9

Pan India Presence

Pan India Presence

221+

Customized Health Insurance Plan for you.

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Age of Eldest Member

TATA AIG Accident Guard Plan

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.

TATA AIG Health Insurance Company Detailed Review

TATA AIG Accident Guard Plan

TATA AIG Accident Guard Plan Specifications

To understand TATA AIG Accident Guard Plan Insurance in detail, take a look at the below table:

Entry Age

Minimum-18 years, Maximum- 65 years

Policy Type

Accident Health Insurance

Sum Insured

1 Crore

Initial Waiting Period*

NA Days

Renewability

Lifelong

Policy Term

1 Year

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Losses for Which the Policyholder Will Be Covered!

Loss of: % of Principal Sum
Both Hands or Both Feet 100%
Sight of Both Eyes 100%
One Hand and One Foot 100%
Either Hand or Foot and Sight of One Eye 100%
Speech and Hearing in Both Ears 100%
Either Hand or Foot 50%
Sight of One Eye 50%
Speech 50%
Hearing in Both Ears 50% 50%
Thumb and Index Finger of the Same Hand 25%Complete accident plan

TATA AIG Health Insurance Company Network Hospital List

TATA AIG Health Insurance Company Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, TATA AIG Health Insurance Company ensures that you are medically secured, irrespective of the city you reside in.

Know What is Covered?- Inclusions

 

Accidental Death

The policy covers the death due to the accident. This means that if the policyholder dies in an accident, the policy will take care of the burial procedure and give further coverage to the beneficiary.

 

Accidental Dismemberment

The percentage of the principal sum insured will be provided to the policyholder if the injury results in the dismemberment of the person. Dismemberment like, loss of hearing, sight, speech or loss of limbs.

 

Coverage for Children

If due to an accident the policyholder dies, then the eligible child will get the benefit of education fees if he/she is a graduate student or in the 12th class.

 

Home Alteration

In case of disablement or injury, you might need to renovate your home. The home renovation charges will be covered by the policy.

 

Repatriation

If the accident results in loss of life, then the policy will bear the charges of burial and/or cremation along with the transportation of the body to the residence.

 

Family Transportation

During the treatment, doctors ask the patients to stay at the hospital. Family members have to spend time on personal attendance. So, the policy will cover the immediate family member’s transportation charges.

 

Temporary Total Disability

If the person suffers temporary disability during the accident, then the company will pay the weekly benefits amount during the period.

What is not Covered?- Exclusions

Suicide or self-inflicted injury

Sexually Transmitted Diseases

Mental or Nervous Disorder

Injuries due to accidents in the armed forces.

Participation in riots, crime or misdemeanour.

Injuries incurred while operating or learning to operate aircraft.

Loss due to war, invasion, or mutiny.

Adventure sports activities.

What You Will Get With The TATA AIG Accident Guard Policy?

Very genuine question, you will get a 360 degree with complete coverage for the accident. Have a look below:

  • Accidental Death

    Your family will get the principal sum shown in the policy schedule if the injury due to the accident results in loss of life.
  • Dismemberment due to Accident

    A percentage of the principal sum insured will be provided to you if you suffer from dismemberment due to accidental injury.
  • Education Coverage

    In case your child is studying, and you meet with an accident that results in death, then the policy will bear the cost of education for your child.
  • Home Alteration and Vehicle Modification

    Accidents can leave some unremovable marks. Sometimes, you need to modify your surroundings. Like making a ramp for easy access or adding side wheels in case of disability and much more. So these expenditures will also be included in the policy.
  • Claim your Policy in the Form of Gross Weekly Wage

    You can claim your policy in the form of a wage. This can act like the weekly salary when you are recovering from the accident injuries.

Explore other TATA AIG Health Insurance Company

To cater to the different medical needs of an individual & their family, TATA AIG Health Insurance Company offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to TATA AIG Health Insurance Company plans explore more:

Accident Health Insurance

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&...

Unique Features

  • Comprehensive accident care
  • Coverage for child education
  • No waiting period

TATA AIG Accident Guard Plan (Pros)

TATA AIG Accident Guard Plan
  • Temporary total disability
  • Child enhancement benefit
  • Air ambulance
  • Loss of hearing

TATA AIG Accident Guard Plan (Cons)

TATA AIG Accident Guard Plan
  • No alcoholism cover
  • No war injury cover
  • No cataract cover
  • No STD cover

TATA AIG Accident Guard Plan (Other Benefits)

TATA AIG Accident Guard Plan
  • Fractures
  • Burns
  • Total disablement cover
  • Accidental death

TATA AIG Accident Guard Plan (Eligibility Criteria)

TATA AIG Accident Guard Plan
  • Entry age- 6 months
  • Max entry age- 65 years
  • SI- NA
  • Waiting period- 30 days

Individual and Family Health Insurance

TATA AIG medicare premier is an all-around health insurance plan offering you the latest and best health care features. Available on an individual and...

Unique Features

  • Eligibility Criteria
  • Benefits and Features
  • Inclusions and Exclusions

Medicare Premier Plan (Pros)

Medicare Premier Plan
  • Wellness service
  • Compassionate travel. Home care
  • Restore benefit

Medicare Premier Plan (Cons)

Medicare Premier Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • Injuries due to breach of law
  • STDs

Medicare Premier Plan (Other Benefits)

Medicare Premier Plan
  • OPD dental treatment
  • First-year vaccinations
  • In-patient treatment
  • Second medical opinion

Medicare Premier Plan (Eligibility Criteria)

Medicare Premier Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 5 L to 3 Cr
  • Waiting period- 30 days

Critical Illness Health Insurance

Be ready for future health complications that may chew down all your wealth and health! Or choose Tata AIG Criti MediCare which has your back. Tata AI...

Unique Features

  • Covers 100 critical illnesses
  • Cancer-360 indemnity cover
  • Hospital cash benefit

TATA AIG Criti MediCare Policy (Pros)

TATA AIG Criti MediCare Policy
  • Complete cancer coverage
  • hospital cash
  • Covers over 100 critical illnesses

TATA AIG Criti MediCare Policy (Cons)

TATA AIG Criti MediCare Policy
  • Self-harm not covered
  • No international coverage
  • Adventure sports injury not covered

TATA AIG Criti MediCare Policy (Other Benefits)

TATA AIG Criti MediCare Policy
  • Discount on premiums
  • Tele medical examination
  • Tax benefits

TATA AIG Criti MediCare Policy (Eligibility Criteria)

TATA AIG Criti MediCare Policy
  • Entry Age: 18 - 65 Years
  • Initial Waiting Period: 30 Days
  • SI: Up to 2 Cr
  • Policy Term: 1/2/3 Years

Senior Citizen Health Insurance

Trusted Naam, Fantastic Kaam! Choose all-around care for your health with the Tata AIG Elder Care plan. Tata AIG Elder Care is tailored to offer high-...

Unique Features

  • Preventive health check-ups
  • Post-operative care
  • Homecare treatment cover

Tata AIG Elder Care Insurance Plan (Pros)

Tata AIG Elder Care Insurance Plan
  • Preventive health check-up
  • Pre-hospitalisation cover
  • Post-hospitalisation cover
  • Compassionate visit
  • In-patient treatment

Tata AIG Elder Care Insurance Plan (Cons)

Tata AIG Elder Care Insurance Plan
  • Obesity/weight control
  • Change of gender treatments
  • Hazardous or adventure sports
  • Maternity not covered

Tata AIG Elder Care Insurance Plan (Other Benefits)

Tata AIG Elder Care Insurance Plan
  • Cumulative bonus
  • Daycare procedures
  • Medical second opinion
  • AYUSH treatment cover

Tata AIG Elder Care Insurance Plan (Eligibility Criteria)

Tata AIG Elder Care Insurance Plan
  • Entry age- 61 years
  • Max entry age- 85 years
  • SI- 5-25 Lakhs
  • Waiting Period- 30 days

Top Up and Super Top Up

TATA AIG Medicare Policy offered by Tata AIG is an affordable top-up policy that is designed to look after your and your family's healthcare need...

Unique Features

  • Lifetime Renewability
  • High Sum Insured Options
  • Quick Buying Process

Medicare Plus Plan (Pros)

Medicare Plus Plan
  • Global coverage
  • Cumulative bonus
  • Tax benefit
  • Family discount

Medicare Plus Plan (Cons)

Medicare Plus Plan
  • No gender change
  • Any existing disability
  • Injuries due to breach of law
  • Injuries due to aviation
  • No suicide cover

Medicare Plus Plan (Other Benefits)

Medicare Plus Plan
  • Consumables benefits
  • In-patient dental treatment
  • Ambulance cover
  • AYUSH Benefits
  • Domiciliary treatment

Medicare Plus Plan (Eligibility Criteria)

Medicare Plus Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 1 Cr
  • Waiting period- 30 days

Individual and Family Health Insurance

TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expens...

Unique Features

  • Vaccination Covered
  • AYUSH Covered
  • Quick Claim Process

Tata AIG Medicare Plan (Pros)

Tata AIG Medicare Plan
  • Global coverage
  • 540+ day care treatments
  • Qualified nurse
  • Room rent
  • Organ donor

Tata AIG Medicare Plan (Cons)

Tata AIG Medicare Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • STDs
  • Injuries due to breach of law

Tata AIG Medicare Plan (Other Benefits)

Tata AIG Medicare Plan
  • AYUSH benefit
  • Health checkup
  • Bariatric surgery cover
  • Vaccination cover

Tata AIG Medicare Plan (Eligibility Criteria)

Tata AIG Medicare Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 20 L
  • Waiting period- 30 days

Individual

To ensure total health coverage for women, Tata AIG Health Insurance has introduced the Wellsurance Women Policy. This plan is specially designed to p...

Unique Features

  • Designed for Women
  • Check your Eligibility
  • Quick Claim Process

TATA AIG Wellsurance Women Policy (Pros)

TATA AIG Wellsurance Women Policy
  • Cashless hospitalisation
  • Daily cash benefit
  • Post-hospitalisation

TATA AIG Wellsurance Women Policy (Cons)

TATA AIG Wellsurance Women Policy
  • Any pre-existed illnesses or any complications
  • STDs
  • Self-inflicted injuries /Attempted suicide
  • Mental or nervous disorder

TATA AIG Wellsurance Women Policy (Other Benefits)

TATA AIG Wellsurance Women Policy
  • Free helpline
  • Discount offerings on health and wellness
  • Tax benefits

TATA AIG Wellsurance Women Policy (Eligibility Criteria)

TATA AIG Wellsurance Women Policy
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 7 L

Family

TATA AIG’s Health Supercharge plan offers a fivefold enhancement in your health insurance coverage. This new plan opens the availability to dif...

Unique Features

  • 5X Enhanced Benefits
  • 2 Impressive Variants To Choose
  • Complete AYUSH Coverage

TATA AIG Supercharge Plan (Pros)

TATA AIG Supercharge Plan
  • 5x benefits
  • 5% extra discount for youngsters
  • 2 plan variants
  • AYUSH treatment

TATA AIG Supercharge Plan (Cons)

TATA AIG Supercharge Plan
  • Obesity treatment unavailable
  • Change of gender treatment
  • Maternity cover
  • Act of war not included

TATA AIG Supercharge Plan (Other Benefits)

TATA AIG Supercharge Plan
  • Unlimited recharge
  • Wellness benefits
  • Easy claim process
  • Restore benefit
  • Pan India coverage

TATA AIG Supercharge Plan (Eligibility Criteria)

TATA AIG Supercharge Plan
  • Entry age- 90 days
  • Max entry age- no limit
  • SI -INR 5 L to 20 L
  • Waiting period- 30 days

TATA AIG Accident Guard Plan: FAQs

1. Who is eligible to purchase the TATA AIG Accident Guard Plan?

People aged 18 years and older are eligible to get the plan.

2. What does the TATA AIG Accident Guard Policy cover?

The policy covers accidental death, dismemberment, education expenses for children, repatriation, home alteration, temporary total disability and family transportation costs for hospital visits.

3. Is there any waiting period for the accidental coverage plan?

No, there is no waiting period for the coverage.

4. How to claim TATA AIG Accidental Guard policy?

You can call the toll-free number or reach out to PolicyX for claim settlement.

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Simran saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.