Tata AIG Group EMI Protect Plan

Overview

The Tata AIG Group EMI Protect policy is designed to offer insured members financial protection if they cannot work due to an accident or the diagnosis of a critical illness. This policy also provides worldwide coverage for in-patient hospitalization, facilitating treatment and medical expenses in severe conditions.

It covers a specified number or amount of EMIs for the insured following accidental hospitalization, a critical illness diagnosis, and other specified events.

You can enroll in the Tata AIG Group EMI Protect policy through your employer. Premiums for this policy are typically deducted from the employee's account. For more details, please refer to the policy wording.

Policy Specifications

Section B1: In-patient Hospitalization

The insurer will pay an EMI based on hospitalization expenses related to an accident or injury that leads to a hospital admission of 24 hours or more.

Section B2: Critical Illnesses

The following critical illnesses are covered as per policy specifications:

• Cancer of specified severity
• End-stage renal failure requiring dialysis
• Major organ/bone marrow transplant
• Open heart valve replacement/repair
• Open chest coronary artery bypass graft
• Myocardial infarction (first heart attack of specific severity)
• Refractory heart failure
• Cardiomyopathy
• Stroke resulting in permanent symptoms
• Permanent paralysis of limbs
• Parkinson's disease
• Primary (idiopathic) pulmonary hypertension
• End-stage lung failure
• Aplastic anemia
• End-stage liver failure

Note: Critical illness benefits can be claimed only once for each specific illness during a policy term. Claims must be raised after 90 days from the date of risk commencement. Pre-existing diseases (PEDs) will not be covered unless intentionally declared to the insurer.

Section B3: Personal Accident

The following personal accident benefits are covered under your Group EMI Protect policy:

• Accidental death
• Disappearance
• Permanent total disability

Exclusions

• Hospitalization due to war, riot, strike, or nuclear weapons
• Intentional self-injury
• AIDS
• Miscarriage and abortion
• Congenital diseases
• Infertility and in-vitro fertilization

How to Claim Your Tata AIG Group EMI Protect Policy

Cashless Claims (Network Hospitals)

1. Reach out to the TPA help desk and submit all supporting documents, including medical records.
2. The insurer will verify the pre-authorization form and approve the payable amount as per policy specifications.
3. Finally, the insurer will settle your medical bills directly with the hospital.

Reimbursement Claims (Non-Network Hospitals)

1. If you are hospitalized in a non-network hospital, get the treatment and pay your medical bills.
2. Fill out the reimbursement claim form carefully and attach all medical records, such as treatment papers, consultation charges, and other bills, with hospital stamps.
3. Submit your claim form with attached documents within 30 days of hospital discharge to the following address:
   Corporate Health Claims, Tata AIG General Insurance Company Limited, H.No 7-1-6-617/A, 5th and 6th Floor, Imperial Towers, Door No 615,616, Ameerpet, Hyderabad 500016, Telangana.
4. The insurer will review your claim and verify the details you submitted.
5. If your claim matches the policy's terms and conditions, a specified amount (as per policy coverage) will be credited to your account. Claims may be rejected if details do not match your documents or if there is a delay in submission.

Summary

The Tata AIG Group EMI Protect policy is designed to provide financial relief for EMIs, debts, and loans in case of unforeseen events or injuries that lead to an inability to earn a livelihood.

For more details about the plan, please contact our customer care executives at 1800 4200 269.