Tata AIG Accident & Health Division provides tailor-made Group Personal Accident (GPA) Policy to suit the requirements of our esteemed customers.

The hallmark here is that each of our GPA policies is unique to the client and his needs. Tata AIG tailors a customised GPA cover around your company's varying needs and limitations, depending on your choice of benefits in combination with the Accidental Death benefit.

A highly customisable product for large companies of more than 100 people

Benefits 
 
Special Benefits on GPA

• Accidental Death
• Dismemberment
• Permanent Total Disability
• You are also covered for a maximum of Rs.5,000 per accident for medical expenses.
• Permanent Partial Disability
• Accident Medical Reimbursement
• Temporary Total Disability (weekly benefit)

Adding Value to your product 
 
At Tata AIG, we see no reason why only traditional corporates and businesses should have access to a Personal Accident (PA) cover. Exploring new ways of thought, Tata AIG now offers GPA to both:

The traditional segment - corporates and businesses looking to offer a PA cover to their employees
And the non-traditional segment - private and public institutions who regularly access large numbers of people.
Two examples of PA being offered to a non-traditional client:

• Offering a PA cover bundled with the client's product. Tata AIG, in partnership with a large tire manufacturing company, offers a Personal Accident cover of Rs.50,000 with every 2-wheeler tire sold.
• Offering a PA cover to educational institutions, where students are covered for accidents during the time they spend at the educational institute.

Exclusions 
 
Across all our major products, the main exclusions to the policy include suicide, military service or operations, war, terrorism, illegal act, bacterial infections, disease, AIDS, dangerous sports etc.

Guaranteed monthly income upto 20 years - The future was never so secured before!

We, at Tata AIG understand that an unfortunate accident can create serious financial problems for your family. More so your spouse may not understand how to invest the lumpsum payment from a life insurance cover; for a guaranteed monthly income. Our Secure Future Plan is the right solution for such uncertainties.

Features
Unique Features

Flexibility: Depending upon your monthly expenditure you can choose the highly flexible options, with Monthly income benefits ranging from Rs.10000 to Rs.35000, for a period of 5 years to 20 years.

Guaranteed Monthly Income: The monthly income is not subject to market risks and is guaranteed over the period chosen.

Additional Features
• No medical examination is required.
• 24 hours world wide coverage.
• Covers risks of Accidental Death, Dismemberment & Paralysis and Permanent Total Disability.

Exclusions
The main exclusions to the policy include suicide, military service or operations, war, illegal act, bacterial infections, disease, AIDS, dangerous sports etc.

Peace of Mind from unexpected Accidental Hospital Expenses - Perfect supplement to your health policy

Hospital Care takes care of all your expenses arising due to unforeseen hospitalization expenses due to accident.

Apart from regular hospital charges like Operation theatre, surgeon's fees, pathology tests, X-ray etc this product also covers incidental expenses like food, commutation by your immediate family members.

Features
Unique Features

Hospital Cash Benefit: Takes care of incidental expenses while in hospital, available in Rs. 1000/day, Rs2500/day, Rs.5000/day.

ICU Benefit: Double Hospital Cash benefit while admitted in Intensive Care Unit.

Physiotherapy Benefit: to help you recover fast during confinement in the hospital due to accidents.

Additional Features

• No medical examination is required.
• 24 hours world wide coverage.
• Covers risks of Accidental Death, equivalent to 100 times daily Hospital Cash benefit.
• Ambulance Charges

Exclusions
The main exclusions to the policy include suicide, military service or operations, war, illegal act, bacterial infections, disease, AIDS, dangerous sports etc.

The coverage, terms & exclusions have been outlined briefly; kindly refer the policy wordings for complete details.

Cover every part of your body; every minute of your life.

The Maharaksha Personal Injury Plan is the first of its kind in India, designed to pay cash benefit for a wide range of 'everyday' injuries like fractures, burns, dislocations or internal injuries; which might not need hospitalization.

The benefit is payable with no conditions as to how the money should be spent. You can use it to pay for special care such as nurse or even buy a wheelchair.

Targeted towards the ageing couples this policy can also be purchased by young individuals for self or as a gift for their parents.

Features
Unique Features

Everyday Injury Benefit: Cash payment up to Rs.3,00,000 for everyday injuries like - fractures, burns, dislocations, Internal Injuries.

Hospitalisation Benefit: Accidental Hospital cash benefit up to Rs.3000 per day right up to 365 days.

Active Lifestyle Benefit: Compensation up to Rs. 10,00,000 for inability to perform any three of the daily activities - eating, toileting, dressing, continence, mobility.

Accidental Loss of Life Benefit: Cover for accidental death up to Rs. 5,00,000 (Double AD if death due to public transport).

Additional Features

• No medical examination is required - Guaranteed Acceptance, for the customer, spouse and parents if they are between the ages of 18 and 75 years
• Provides 24 hours a day worldwide coverage.
• Prompt claim settlement

Misfortunes never announce their arrivals. Especially with the busy nature of our new-age lifestyles, susceptibility to risks has increased more than ever before.

These risks can often bring in unforeseen Hospitalisation causing a financial burden on you and your family. With the escalating medical costs the charges like Operation theater, Surgeon's fees, diagnostic tests etc may turn out to be very expensive.

In some instances the hospitalization may be prolonged and may drain your savings. Besides the regular hospitalization expenses there are other incidental expenses like food, commutation by your immediate family members etc which may give sleepless nights to you and your family.

Tata AIG General Insurance introduces Hospital Care+ for the complete peace of mind from the above anxieties. The Daily Cash benefit in HealthCare+ takes care of any unexpected financial burden in case of hospitalization.

HealthCare+ is a perfect supplement to the health policy and can be taken along with any other health insurance schemes.

Features
Key Benefits & Features

Sickness Hospital Cash - takes care of hospitalization expenses due to sickeness; available in Rs. 500/day, Rs. 1000/day, Rs. 2000/day, Rs. 3000/day & Rs. 5000/day

Accidental Hospital Cash - You can also opt for accident hospital cash benefit which takes care of incidental expenseswhile in hospital due to accidents; available in Rs. 1000/day, Rs. 2000/day, Rs. 4000/day, Rs. 6000/day & Rs. 10000/day

Accident Medical Expense Reimbersement - This benefit takes care of reimbursement of day to day medical bills due to accidental injuries with or without hospitalization.

Additional Features

• Hospitalisation Cash upto 180 days.
• Guaranteed issuance.
• Flexibility in choosing options; 5 convenient offer different levels of protection against hospitalization expenses.
• Renewal benefit: On renewal of policy, additional 5% on the original benefit amount upto max 5 yrs.
• Waiting period of 90 days for Sickness Hospital Cash.
• Premium paid is eligible for tax exemption under Sec 80D of IT Act.

Eligibility Criteria
Any individual between the age of 18 to 59 years and 364 days can take this cover (Dependent children between the age of 6 months and 18 yrs or upto 23 yrs if studying in an accredited institution of higher learning and is unmarried).

The coverage can be renewed till the age of 54 years."

Exclusions
• Any pre-existing Condition, any complication arising from it, suicide, AIDS, Military service or operation, being under the influence of drugs, alcohol, war, illegal acts, dangerous sports.
• If you are admitted to a hospital within 90 days immediately following the effective date of coverage stated in the schedule. unless hospitalization is caused by injury.
• Pregnancy and resulting childbirth, miscarriage or Disease of the female organs of reproduction.
• Elective, cosmetic or plastic surgery, except as a result of an injury caused by a covered condition.
• Services, supplies, or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as Medically Necessary by a Physician.
• Routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or X-ray examinations except in the course of a disability established by the prior call or attendance of a physician.
• Dental care, except as a result of injury caused by Accident to Sound Natural Teeth while this Policy is in effect.
• Expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails.
• The diagnosis and treatment of acne.
• Deviated transplant that are considered experimental in nature.
• Well child-care including examinations and immunizations.
• Expenses which are not exclusively medical in nature.
• Any expenses incurred outside India.

Please refer the policy wordings for other exclusions & conditions

The Plan provides lump sum cash benefit on the Diagnosis of one of the defined Critical Illnesses.

Targeted towards the health conscious individuals (young to ageing couples) this policy covers 11 critical illnesses.

Features
Unique Features

Lumpsum Benefit on Diagnosis: Pays a lump sum benefit upto Rs. 15,00,000 if diagnosed to be suffering from a Critical Illness covered under the plan and it is the first incidence.

Second Opinion Benefit: Criticare provides for taking another opinion on the first diagnosis of the Critical Illness. The second opinion agency transfers the medical reports and diagnosis to a expert panel in US for review and independent opinion on diagnosis and line of treatment. This facility is absolutely free of cost to the customer and is applicable on the covered Critical Illnesses only.

Additional Features

No medical examination is required - Guaranteed Acceptance (the ages of 18 and 60 years)

Cover Includes
Critical Illnesses covered

• First Heart Attack
• Stroke
• Cancer (excluding skin cancer)
• Kidney Failure
• Major Organ Transplant
• Coma
• Major Burns
• Multiple Sclerosis
• Kidney Failure Total Blindness

Exclusions
This entire Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, directly or indirectly in respect of:

• Any Pre-existing Condition; or
• 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; or
• 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 Hazards H-1 or H-2; or
• Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed;or
• Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion;or
• Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft; or
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; or
• Terrorist Act; or
• The intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act; or
• Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
• The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
• Self exposure to needless peril (except in an attempt to save human life); or
• Congenital anomalies or any complications or conditions arising therefrom; or
• Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which You are untrained; or
Is caused by osteoporosis (porosity and brittleness of the bones due to loss of protein from the bones matrix) or pathological fracture (any fracture in an area where pre-existing Disease has caused the weakening of the bone) if osteoporosis or bone Disease diagnosed prior to the Policy Effective Date.
• In addition to the General Exclusions listed in this Policy this coverage section shall not cover:
 - 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;
 - Medical or surgical treatment except as may be necessary solely as a result of Injury
 - Any Injury which shall result in hernia.