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Tata AIG Individual Accident And Sickness Hospital Cash

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Tata AIG Individual Accident & Sickness Hospital Cash Policy

 

Tata AIG Individual Accident & Sickness Hospital Cash Policy is a good add-on cover to an existing health insurance policy.  Tata AIG Individual Accident & Sickness Hospital Cash Policy covers pays cash benefit which can be used for expenses in case of accidents and sickness.

 

 

Key Features of Tata AIG Individual Accident & Sickness Hospital Cash Policy

 

  • Guaranteed issuance
  • Daily cash benefit for hospitalisation for up to 180 days
  • No medical check-up required at the time of application
  • Policyholder can choose any hospital for treatment
  • Individuals can choose from 5 different levels of protection against hospitalisation expenses

 

 

What is covered in Tata AIG Individual Accident & Sickness Hospital Cash Plan?

 

  • Daily cash benefit on hospitalisation which can be used for out-of-pocket expenses or any other needs
  • Pays for hospitalisation expenses due to sickness up to Rs. 5000 per day
  • Hospitalisation cash up to 180 days in case of sickness or accidents
  • Accident Medical Expense Reimbursement takes care of reimbursement of day to day medical bills due to accidental injuries with or without hospitalization

 

 

Additional Benefits of Tata AIG Individual Accident & Sickness Hospital Cash Plan

 

  • High coverage amount
  • One can opt for accident hospital cash benefit which takes care of incidental expenses while in hospital due to accidents available up to Rs.10000/day
  • Covers self as well as family

 

 

Eligibility and Restrictions of Tata AIG Individual Accident & Sickness Hospital Cash Plan

 

 

 

Minimum

Maximum

Coverage amount (in Rs.)

2,75,000

27,25,000

Policy Term (in years)

1

1

Entry Age (in years)

18

50

Renewal till age (in years)

-

50

 

 

Family floater policy will cover

 

  • An individual
  • Spouse
  • Two dependent children between the age of 6 months and 18 yrs (or up to 23 yrs if studying in an accredited institution of higher learning and is unmarried)

 

 

Tax Benefits in Tata AIG Individual Accident & Sickness Hospital Cash Policy

 

Income Tax benefit under section 80D of the IT Act is available for premiums paid towards this policy

 

 

Exclusions - What is not covered in Tata AIG Individual Accident & Sickness Hospital Cash Policy?

 

  • Any illness or accident outside India
  • Pregnancy, miscarriages or reproductive ailments
  • Mental, nervous or emotional disorders
  • Routine physical examination
  • Cosmetic surgery
  • Pre-existing conditions and complications arising from it
  • Criminal and terrorist acts
  • War, invasion etc
  • HIV and AIDS
  • Suicide or self inflicted injury
  • Use of drugs or alcohol
  • Radiation, radioactive, toxic or nuclear contamination
  • Conditions existing at birth (congenital)
  • Participation in sports
  • First 31 days from policy start date

 

 

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