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We cannot take a chance when it is about the uncertainty of the life. No body has any idea about the misfortune events such as Death, Injury or scars for life. But, if we are not prepared for that then, we will have nowhere to go.
Tata AIG Personal Accident provide you a safe guard against all the ups and downs of the life. No matter how much you are prepared for the negative aspects of life, a bad time comes unannounced every time. One cannot stop accidents, mishaps and adverse situations with devastating results in the life of an individual, but he or she can be well prepared to face them. Without any kind of preparation, such incidents may leave you in the worst situation economically and mentally for the whole of your life. Tata AIG Personal Accident promises you to offer a shield from personal accidents and protect an individual from all the unseen devastating situations. Tata AIG Personal Accident covers animal attack, any type of road accidents, air tragedy or rail accident caused damage to an individual.
Tata AIG General Insurance Co. Ltd. has been recognised as a the Employer of the Year by Asia Insurance Review, Singapore. The Award was sponsored by PriceWaterhouse Coopers (PwC). The annual Asia Insurance Industry Awards have been hosted since 1997 by Asia Insurance Review, the leading journal and strategic partner in the region’s insurance industry. Asia Insurance Review is committed in its search for excellence in the Insurance Industry. There were over 400 entries for the awards in various categories, from which over 40 finalists were selected for a judging process involving a panel of over 20 international judges made up of business leaders and regulators in the insurance industry. This judging process included a in person interview with the distinguished jury panel. This year’s judging process and award results were audited by KPMG.
The company is offering its effective plan through the online medium as well. There are several pans that you can explore online easily.
The various policy plans which are offered by the Tata AIG Personal Accident are as follows-
The Tata AIG Personal Accident Plan covers the injury that causes the accidental death of the policy holder if it occurs within 365 days from the accident which caused the injury resulting in death.
Any injury causing fracture or burns to the policy holder will be paid a % of the Principal sum. But this injury must occur within 90 days from the date of the accident.
Medical expense coverage for the medical services which are not due to any pre existing medical history.
There is a cover that will provide a weekly benefit during the Temporary Total Disability period of an insured person, continuously. But this kind of disability and injury should commence within 30 days from the date of injury.
In the case of disablement, expenses cause like vehicle modification, home alteration, wheelchair use is covered in the Tata AIG Personal Accident Plan.
The plan will provide daily cash towards the expense caused due to hospitalization bills and medications because of the injury.
The Tata AIG Personal Accident Plan will provide the benefit of double dismemberment to the insured children.
If the accident occurred outside the radius of 150km from the residence of the policy holder, then the policy will provide a cover of maximum Rs. 50, 000 as an amount of transportation amount of the family members.
This plan covers the Permanent Total disability and even provides an amount maximum of
Rs. 1, 00, 000 as the modifying house or vehicle for the same.
There are several exclusions under the TATA AIG Personal Accident plans, some of them are-
No medical cover is to be provided for the treatment of any type of hormonal replacement, genetic disorder or obesity control under the Personal Accident Plan.
Within 30 days of the post commencement of plans period, if the policy holder incepted a new disease, it will not be provided a cover.
No cover is provided for the mishap due to any type of nuclear reaction or some radioactive element.
No cover will be provided for any harm to health due to some warm, foreign enemy act, invasion, civil war, revolution, capture, and arrests to any of the policy holder.
Any loss or damage to the life of individual under influence of some professional doctor’s without prescription drugs or in heat of alcohol or some other in the toxic matter will not be covered under the policy.
No dental treatment like cavity the filling, root canal, wear tear of teeth will be covered by any policy cover.
Any type of cosmetic correction such as plastic surgery through any aesthetic procedure or some cosmetic correction is not covered under any policy cover.
Injury because of participation in any dangerous and adventurous games such as skydiving, bungee jumping or etc will not be covered in any pack.
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