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Tata AIG - Maharaksha - Personal Injury 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 - Maharaksha - Personal Injury 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 - 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

CategoryDetails
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 typeOption 1Option 2Option 3Option 4Option 5Option 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.
Please refer the policy Terms & Conditions for a detailed list of exclusions.

Claim Process for Tata AIG - Maharaksha - Personal Injury Policy

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