Tata AIG Maharaksha 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.

• 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

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

Coverage amount up to 34 lacs

It covers against loss of daily activities

An individual and 3 other members
 

• 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