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Tata AIG - Secure Income High Policy

Tata AIG
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.

Contact Details

Toll Free line: 1800-266-7780
E-mail: customersupport@tata-aig.com

Product Overview of Tata AIG - Secure Income High Policy

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

CategoryDetails
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


OptionsImmediate Cash lump sumMonthly payments for 5 yearsTotal PayoutHospital 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

BenefitsDescription
Accidental Death 100% of Sum Insured


Accidental DismembermentAs 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


OptionsImmediate Cash lump sumMonthly payments for 5 yearsTotal 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-onsDetails
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.
Please refer the policy Terms & Conditions for a detailed list of exclusions.

Claim Process for Tata AIG - Secure Income High Policy

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