Less than Rs. 3 a day - that's all you need to take care of your family. Have you ever thought about this? How will your family survive if they lose you to an accident? And how are they protected for the financial loss of not having you there?

Tata AIG brings you Accident Guard for life's big questions - so you can focus on getting well while we take care of your financial needs. than Rs. 3 a day! And better still, covers your entire family for just one rupee more a day!

• Features

  Unique Features

  The plan can be taken in multiple units of Rs. 10 lacs up to Rs. 1 crore. As an Add-on, you can also take an Accidental Weekly Benefit* in multiples of Rs. 2000 up to Rs. 10,000.

  (*No. of units of Accidental Weekly benefit cannot exceed the no. of units of Accidental Death and Dismemberment.)

  Flexibility: Accident Guard is designed for your convenience - you can pick and choose benefits best suited to you and your family. You can buy up to 10 units to cover yourself and your family. plus a Accidental Weekly Benefit, of which you can take up to 5 units for yourself as add-on benefit (optional).

  Escalating benefits: If the policy is renewed, the sum(s) assured increases by 5 percent each year, up to 5 years. For example, if you take one unit of Rs. 10,00,000 and renew the policy for the next year, your insured amount becomes Rs. 10,50,000 for the same premium.

  Convenient options to choose: Self Option where you insure yourself for Accidental Death & Dismemberment, or Accidental Death & Dismemberment along with Permanent Total Loss of use. Family Option where, you can also insure your family for Accidental Death & Dismemberment, or Accidental Death & Dismemberment along with Permanent Total Loss of use.

  

  
  

  Additional Features (with Family Option)

  • Education allowance: In case of Accidental Death, 10 percent of the principal sum assured is paid towards your children's education benefit.
  • Repatriation of remains: An amount up to a maximum of Rs. 5,000 will also be reimbursed for the repatriation of the insured person's remains.
  • Modification allowance: In case of Permanent Total Disability or Dismemberment, an amount up to a maximum of Rs. 100,000 will be reimbursed towards the cost of modifying your house or vehicle, to combat Disability.
  • Double Dismemberment benefit for children: For your children who are automatically insured, Dismemberment benefit doubles.
  • Family transportation: If, due to an accident, the principal insured is confined to a hospital outside 150 kms of his residence, we will reimburse, up to a maximum of Rs. 50,000, the actual transportation expenses incurred by an immediate family member to reach the insured person.
• Plan Table

  Premium Rates

*Premium inclusive of 10.3% service tax

Occupational Classes-Definition

Class I & II - White collar non-hazardous occupations with office, showroom only i.e lawyers, doctors, dentists, office executives, clerks, salemen, superintending engineers etc. Semi-hazardous occupations with duties in a supervisory capacity (not a machine operator of any type, nor doing manual work, labour etc.)

Class III & IV - Skilled or semi-skilled workers using light / heavy machinery i.e filing station attendants, taxi drivers, heavy vehicle drivers, industrial workers or unskilled labourers, construction workers, electricians, farmers, labourers etc.

• Exclusions

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