Tata AIG - Secure Income High Policy
General Insurance Company
Tata AIG General Insurance Company is a joint venture between the Tata Group and American International Group (AIG), multinational Insurance Corporation based in US. Tata AIG offers complete range of general insurance products and strive to provide innovative and customer specific insurance products in retail and commercial space.
Toll Free line: 1800-266-7780
E-mail: customersupport@tata-aig.com
This policy offers compensation in case of death or bodily injury to the insured person, directly and solely as a result of an accident, by external, visible and violent means.
Unique Features of Tata AIG - Secure Income High Policy
Loss of Life Accidental Indemnity: When injury results in loss of life within 180 days after the date of the accident, a principal sum as per the schedule will be paid
Dismemberment, Loss of Sight, Hearing, Speech Indemnity - When injury results in any losses (as listed in the policy wordings) within 180 days after the date of the accident, a compensation will be paid.
Accidental Hospital Cash Rider / Daily benefit: In the event insured meets with an accident, a per day hospital cash benefit (Max upto 5 days) is paid provided hospitalization is for more than 4 days
Eligibility Criteria for Tata AIG - Secure Income High Policy
| Category | Details | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Age Group | Min Entry Age: 18 Years Max Entry Age: 65 Years | ||||||||
| Renewal Age | Life Long Renewal | ||||||||
| Sum Insured | Rs. 5 lacs, Rs. 10 Lacs, Rs. 15 Lacs annd Rs. 20 Lacs | ||||||||
| Policy Tenure | 1 Year | ||||||||
| Family Definition | Individual | ||||||||
| Options | Immediate Cash lump sum | Monthly payments for 5 years | Total Payout | Hospital Cash | ||
|---|---|---|---|---|---|---|
| Level 1 | 50000 | 7500 | 500000 | 500 | ||
| Level 2 | 100000 | 15000 | 1000000 | 1000 | ||
| Level 3 | 150000 | 22500 | 1500000 | 1500 | ||
| Level 4 | 200000 | 30000 | 2000000 | 2000 | ||
Product Benefits of Tata AIG - Secure Income High Policy
| Benefits | Description | ||||||
|---|---|---|---|---|---|---|---|
| Accidental Death | 100% of Sum Insured | ||||||
| Accidental Dismemberment | As per the limits specified below: | ||||||
|---|---|---|---|---|---|---|---|
| Covered Benefit | Level 1 | Level 2 | Level 3 | Level 4 | |||
| Both hands and both feet or sight of both eyes | 500,000 | 1,000,000 | 1,500,000 | 2,000,000 | |||
| One hand and one foot | 500,000 | 1,000,000 | 1,500,000 | 2,000,000 | |||
| Either hand or foot and sight of one eye | 500,000 | 1,000,000 | 1,500,000 | 2,000,000 | |||
| Hearing of both ears | 500,000 | 1,000,000 | 1,500,000 | 2,000,000 | |||
| Speech | 500,000 | 1,000,000 | 1,500,000 | 2,000,000 | |||
| Either hand or foot | 250,000 | 500,000 | 750,000 | 1,000,000 | |||
| Sight of one eye | 250,000 | 500,000 | 750,000 | 1,000,000 | |||
| Permanent and total loss of use resulting in: | |||||||
| Quadriplegia | 500,000 | 1,000,000 | 1,500,000 | 2,000,000 | |||
| Paraplegia | 500,000 | 1,000,000 | 1,500,000 | 2,000,000 | |||
| Benefit per day in case of Hospitalization due to Accident** | 500 | 1,000 | 1,500 | 2,000 | |||
| Options | Immediate Cash lump sum | Monthly payments for 5 years | Total Payout | ||
|---|---|---|---|---|---|
| Level 1 | 50000 | 7500 | 500000 | ||
| Level 2 | 100000 | 15000 | 1000000 | ||
| Level 3 | 150000 | 22500 | 1500000 | ||
| Level 4 | 200000 | 30000 | 2000000 | ||
Add-ons for Tata AIG - Secure Income High Policy
| Add-ons | Details | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Accidental Hospital Cash Benefit | In the event insured meets with an accident, a per day hospital cash benefit (Max upto 5 days) is paid provided hospitalization is for more than 4 days | |||||||||
| Accidental Hospital Cash Benefit | ||||||
|---|---|---|---|---|---|---|
| Self Coverage only | Total Benefits (Rs.) | |||||
| Coverage | Level 1 | Level 2 | Level 3 | Level 4 | ||
| Coverage | 500,000 | 1,000,000 | 1,500,000 | 2,000,000 | ||
| Total Payout | 500 | 1000 | 1500 | 2000 | ||
Additional discounts for Tata AIG - Secure Income High Policy
Not Available
Exclusion in Tata AIG - Secure Income High Policy
Accidental Bodily Injury that you meet with or arises out of:
- Loss caused directly or indirectly, wholly or partly by infections (except pyogenic infections which shall occur through an accidental cut or wound) or any other kind of Disease
- Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection.
- Serving in any branch of the Military or Armed Forces of any country, whether in peace or War, and in such an event We, upon written notification by You, shall return the pro rata premium for any such period of service during the circumstances described in a Hazard
- Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed
- Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion
- Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft
- War, civil War, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power, etc.
Claim Process for Tata AIG - Secure Income High Policy
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