TATA AIG Personal Accident
TATA AIG Personal Accident
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TATA AIG Personal Accident Insurance

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 Personal Accident Insurance : Achievements

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.

TATA AIG Personal Accident Insurance : Online Facility

The company is offering its effective plan through the online medium as well. There are several pans that you can explore online easily.

TATA AIG Personal Accident Insurance Plans

The various policy plans which are offered by the Tata AIG Personal Accident are as follows-


This a flexible plan that provides multiple options to opt as a policy cover, as per the requirement. An individual can opt this plan for self and spouse, aged 18 – 65 years and children between 6 months to the 18 years. You get a good 30 days time to renew your policy in this and there is cumulative growth benefit of the principal sum for any policy holder.


This plan is available for the age group from 18 yrs to 75 years for adult individuals and as for the children, from of lifelong 6 months to 18 years, with a facility of lifelong renewal. One can avail Injury Guard Plan for individual or for the family also.It covers the mishaps like Accidental death and Temporary Total Disability of the policy holder due to injury.


This plan provides a cover to ensure a regular flow of income in case of the total disablement of the policy holder. This plan even provides the educational benefit to the children as it compensates 10% sum of insured amount or the tuition fees charged by the institution for the education of the children.


This is the plan which can be picked up by the individual of age group 18- 75 years with lifelong coverage. This coverage is offered without any medical check- up.


This plan covers the daily expense against the hospitalization expense. This plan provides cover for maximum 5 days commencing from the day 4 of hospitalization. This is the plan which a salaried individual find most beneficial. It covers to ensure a stream of income in the family.


This plan provides a facility of cash coverage for the expense of accidental injury. It provides even a flexibility to choose the hospital as per the convenience and availability. This plan also provides a cover for the policy holder who cannot perform 3 or more than 3 activity of daily routine life.

Tata AIG Personal Accident Plan : Advantages

  • 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.

TATA AIG Personal Accident Insurance : Exclusions

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.


The Tata AIG General Insurance Company provides different modes of premium payment.

  • ACash payment at the branch
  • Online Payment
  • Credit Card/debit card payment
  • Net banking

You can notify about your claim simply by sending an SMS – CLAIMS to 5616181. You can even call at the 24*7 toll-free helpline number, 1800- 266- 7780. You can even email at the email address – general.claims@tata-aig.com.

You need to keep the following information handy along with you –

  • Contact number
  • Policy number
  • Name of insured policy holder
  • Date and time of the loss and damage
  • Location of the damage or loss

You can keep an eye on claim wordings for the further information.

You need to register yourself with registered details and then log in to the online portal with username and passwords and check the status of your policy.

Last updated on 24-07-2020