ChatGPT
Claude
Perplexity
TATA AIG Supercharge Plan
TATA AIG's Health Supercharge plan offers a fivefold enhancement in your health insurance coverage. This new plan provides access to health…
- 5x benefits
- 5% extra discount for youngsters
- 2 plan variants
- AYUSH treatment
TATA AIG Health Insurance Company
TATA AIG Accident Guard Plan
Having a policy that provides additional coverage in case of an accide ...Read More
Up to 3 Crores
Sum insured
1
No. of plans
221+
Pan India presence
-%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,712 reviews
🏥 11,000+ hospitals
📊 1.81 solvency ratio
✅ -% claim settlement
About TATA AIG Accident Guard Plan
A quick read on what this TATA AIG Health Insurance Company plan covers and why it might be a fit for you.
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:
- Corporate employees
- Lawyers
- Doctors
- Dentists
- Clerks
- Salesmen
- Superintending engineers
Class III & IV
This class consists of skilled and semi-skilled workers using light and heavy machinery, such as:
Some examples are:
- Filling Station Attendants
- Taxi Drivers
- Heavy Motor Vehicle Drivers
- Industrial Workers
- Construction workers
- Electricians
- Farmers
- Labourers
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 at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Minimum-18 years, Maximum- 65 years
Plan type
Accident Health Insurance
Sum insured options
₹1 L
Waiting period
NA
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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Temporary total disability
- Child enhancement benefit
- Air ambulance
- Loss of hearing
Cons
- No alcoholism cover
- No war injury cover
- No cataract cover
- No STD cover
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% |
| Thumb and Index Finger of the Same Hand | 25% |
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- If the policyholder's death is a direct result of an accident, the policy provides financial coverage to the beneficiary, including expenses for burial/cremation.
- A percentage of the principal sum insured is provided if the policyholder suffers dismemberment due to accidental injury, such as loss of hearing, sight, speech, or limbs.
- If the policyholder dies due to an accident, the policy covers the education fees for eligible children who are graduate students or in Class 12.
- If disablement or injury necessitates home renovations, such as installing ramps, these charges will be covered by the policy.
- In the event of accidental loss of life, the policy covers burial/cremation charges and transportation of the body to the residence.
- If the policyholder requires hospitalization for treatment, the policy covers transportation charges for immediate family members visiting the hospital.
- If the policyholder suffers a temporary total disability due to an accident, the company will pay weekly benefits during the recovery period.
Exclusions
- Suicide or self-inflicted injury
- Sexually Transmitted Diseases
- Mental or Nervous Disorder
- Injuries sustained while serving in the armed forces.
- Participation in riots, criminal acts, or misdemeanors.
- Injuries incurred while operating or learning to operate an aircraft.
- Losses due to war, invasion, or mutiny.
- Injuries from adventure sports activities.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry age-: 6 months
- Max entry age-: 65 years
- SI-: NA
- Waiting period-: 30 days
Other features & benefits
What You Will Get With The TATA AIG Accident Guard Policy?
The TATA AIG Accident Guard Policy offers comprehensive 360-degree coverage for accidents. Here's what you get:
-
Accidental Death
Your family will receive 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 sometimes lead to permanent disabilities requiring home alterations (e.g., ramps) or vehicle modifications (e.g., side wheels). This policy covers such necessary expenses.
-
Temporary Total Disability Benefit
You can claim your policy in the form of a weekly wage. This benefit provides a weekly income during your recovery period from accident-related injuries.
TATA AIG Accident Guard Plan: FAQs
The 4 most-asked questions about TATA AIG Accident Guard Plan, answered.
People aged 18 years and older are eligible to get the plan.
The policy covers accidental death, dismemberment, education expenses for children, repatriation, home alteration, temporary total disability and family transportation costs for hospital visits.
No, there is no waiting period for the coverage.
You can call the toll-free number or reach out to PolicyX for claim settlement.
Explore TATA AIG Health Insurance Company
TATA AIG Top-up Plans
TATA AIG Plans for Family
TATA AIG Health Insurance for Senior Citizens
Critical Illness Plan
Tata AIG Health Policy Download
TATA AIG Premium Calculator
TATA AIG Claim Settlement Ratio
Tata AIG Health Insurance Renewal
Tata AIG Health Maternity
Tata AIG Health Plans for Parents
Benefits of Tata AIG Health Insurance
TATA AIG Claim Process
Tata AIG Health Customer Care
Health Insurance Articles
Is a Fractured Leg Covered by Health Insurance?
How Senior Citizens Can Get Health Insurance Tax Benefits u/s 80D
How Air Pollution Is Silently Causing 10 Health Diseases
Eye Conditions Actually Covered Under Health Insurance in India
Claim Settlement Ratio of Health Insurance Companies 2026
Health Insurance for Cancer
See More Health Insurance Articles
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.
Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
Compare Health Insurance Plans
Select a company and plan for each side to see a detailed side-by-side comparison.
Other Health Insurance Companies
Share your Valuable Feedback
Rated by 2,696 customers
Was the Information Helpful?
Select Your Rating
We would like to hear from you
Let us know about your experience or any feedback that might help us serve you better in future.
Do you have any thoughts you'd like to share?