Tata AIG - Maharaksha - Personal Injury 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 - Maharaksha - Personal Injury Policy
Fractures / Dislocation / Burns: Company will pay a percentage of the principal sum as shown in the table if there is injury to the insured due to accident.
Loss of Activities of Daily Living: When as the result of accidental Injury happening within 365 Days from the date of the Accident, You suffer a Permanent inability to perform 3 or more Activities of Daily Living as defined in this Policy for a continuous period of 180 Days.
Hospital Indemnity Accident Only: Daily Benefit for each day the insured is hospitalised as inpatient due to injury.
24hrs World wide coverage available under this plan.
Accidental Death in the Common Carrier will be covered
Eligibility Criteria for Tata AIG - Maharaksha - Personal Injury Policy
| Category | Details | |||||
|---|---|---|---|---|---|---|
| Age Group | Min Entry Age: 18 Years Max Entry Age: 75 Years | |||||
| Renewal Age | Life Long Renewal | |||||
| Sum Insured | Rs. 1.50 Lacs up to Rs. 10 Lacs | |||||
| Policy Tenure | 1 Year | |||||
| Family Definition | Individual & Family - Self, Spouse, 2 Children | |||||
Product Benefits of Tata AIG - Maharaksha - Personal Injury Policy
| Coverage type | Option 1 | Option 2 | Option 3 | Option 4 | Option 5 | Option 6 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| A. | CASH FOR EVERYDAY INJURIES | ||||||||||||
| Fractures of Hip/Pelvis | 30000 | 60,000 | 72,000 | 90,000 | 135,000 | 180,000 | |||||||
| Fracture of Thigh/Heel | 15000 | 30,000 | 36,000 | 45,000 | 67,500 | 90,000 | |||||||
| Fracture of lower leg, skull, elbow, upper/lower arm | 12000 | 24,000 | 28,800 | 36,000 | 54,000 | 72,000 | |||||||
| Fracture of shoulder blade, kneecap | 6000 | 12,000 | 14,400 | 18,000 | 27,000 | 36,000 | |||||||
| Fracture of spinal column | 6000 | 12,000 | 14,400 | 18,000 | 27,000 | 36,000 | |||||||
| Fracture of lower jaw | 7500 | 15,000 | 18,000 | 22,500 | 33,750 | 45,000 | |||||||
| Fracture of upper jaw, ribs, cheek-bones, toes and fingers | 4,750 | 9,500 | 11,400 | 14,250 | 21,375 | 28,500 | |||||||
| Burns | 12,000 | 24,000 | 28,800 | 36,000 | 54,000 | 72,000 | |||||||
| Dislocation requiring surgery under anesthesia | 24,000 | 48,000 | 57,600 | 72,000 | 108,000 | 144,000 | |||||||
| Internal injury | 7,500 | 15,000 | 18,000 | 22,500 | 33,750 | 45,000 | |||||||
| Total of A not to exceed Rs | 50000 | 100,000 | 120,000 | 150,000 | 225,000 | 300,000 | |||||||
| Please refer to the "Terms of the Policy"- Part 1, Coverage C-2 Schedule of injuries for actual percentage of sum payable for each depending up on the seriousness and type of injury | |||||||||||||
| ACCIDENT HOSPITAL CASH | 500 | 1,000 | 1,200 | 1,500 | 2,250 | 3,000 | |||||||
| As a result of an accident, per day upto 365 days | |||||||||||||
| LOSS OF ACTIVITY OF DAILY LIVING | 150000 | 300,000 | 400,000 | 500,000 | 750,000 | 1,000,000 | |||||||
| Loss of any three activity of daily living. This includes eating, toileting, Dressing, continence and Mobility upto | |||||||||||||
| ACCIDENTAL DEATH | 150000 | 300,000 | 400,000 | 500,000 | 750,000 | 1,000,000 | |||||||
| Common carrier | |||||||||||||
| Other accidents (24 Hours) | 75000 | 150,000 | 200,000 | 250,000 | 375,000 | 500,000 | |||||||
| Note: Benefits will reduce by 50% from the Age group 71 yrs and above | |||||||||||||
Add-ons for Tata AIG - Maharaksha - Personal Injury Policy
Not Available
Additional discounts for Tata AIG - Maharaksha - Personal Injury Policy
Not Available
Exclusion in Tata AIG - Maharaksha - Personal Injury 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 - Maharaksha - Personal Injury Policy
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