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Tata AIG Maharaksha Policy

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Tata AIG Maharaksha Insurance Policy

 

Tata AIG Maharaksha Insurance Policy is a unique personal injury cover which protects against a wide range of accidents. It also covers death due to accident. A certain amount of cash benefit is paid for accidental injuries and hospitalization irrespective of policyholder’s expenses.

 

 

Key Features of Tata AIG Maharaksha Insurance Policy

 

  • Provides protection up to 75 yrs of age
  • No medical check-up or paperwork required
  • Double claim benefit which means that policyholder can make claims even if they have another policy
  • Premium does not increase with age
  • No restrictions on choice of hospital
  • 24 hour worldwide coverage
  • Daily cash benefit for hospitalisation for up to 365 days

 

 

What is covered in Tata AIG Maharaksha Insurance Plan?

 

  • Fractures
  • 2nd and 3rd degree burns
  • Dislocations requiring surgery under anesthesia
  • Internal injuries
  • Loss of activities of daily living
  • Daily cash benefit for hospitalisation
  • Accidental death benefit

 

 

Additional Benefits of Tata AIG Maharaksha Insurance Plan

 

Coverage amount up to 34 lacs

It covers against loss of daily activities

 

 

Eligibility and Restrictions of Tata AIG Maharaksha Insurance Policy

 

 

 

Minimum

Maximum

Coverage amount (in Rs.)

5,50,000

34,00,000

Policy Term (in years)

1

1

Entry Age (in years)

18

75

 

 

Family floater policy will cover

 

An individual and 3 other members

 

 

Exclusions - What is not covered in Tata AIG Maharaksha Insurance Policy?

 

  • Pre-existing conditions and complications arising from it
  • Criminal and terrorist acts
  • War, invasion etc
  • Radiation, radioactive, toxic or nuclear contamination
  • Conditions existing at birth (congenital)
  • Participation in adventure sports
  • First 31 days from policy start date
  • HIV and AIDS
  • Suicide or self inflicted injury
  • Use of drugs or alcohol

 

 

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