TATA AIG Maha Raksha Personal Injury Policy

Policy Benefits

• Accidental Death (AD) occurs within 365 days from the date of injury, is covered up to the limit specified.
• Disappearance benefit is payable equal to the AD benefit, in case the insured person remains disappeared after the forced landing, sinking, wrecking or stranding of a conveyance in which you were a passenger, or any act of God.
• Fractures/Dislocation/Burns occurs within 90 days from the date of injury, is covered up to the sub limits specified.
• Daily hospital cash is payable for in-patient hospitalization up to a maximum of 365 days.
• Loss of 3 or more than 3 daily living activities occur within 365 days of accidental injury and such inability continues for a period of 6 consecutive months.

Value Added Benefits

• Option to enhance the sum insured is available at the renewals, according to the underwriting guidelines of the company.
• No restrictions on hospitals for accidental hospitalization.
• Avail lifetime renewability and get covered against accidental risks.
• No loading on premium amount is imposed due to increase in age.
• Accidents occurred anywhere in the world is covered under this plan.

Sub Limits

• Accidental death occurs while travelling through common carrier transport is covered up to 200% of the Principal Sum Insured and up to 100% of the Principal Sum Insured for other accidents.
• Fractures of the Hip / Pelvis are capped for Rs 30,000 to Rs 1.8 Lacs, as per plan opted.
• Fracture of Thigh/Heel is capped for Rs 15,000 to Rs 90,000 as per plan opted.
• Fracture of lower leg, skull, elbow, upper/lower arm is capped for Rs 12,000 to Rs 72,000 as per plan opted.
• Fracture of the shoulder blade, kneecap, spinal column is capped for Rs 6,000 to Rs 36,000 as per plan chosen.
• Fracture of the lower jaw is covered in a range of Rs 7,500 to Rs 45,000 depending on the plan chosen.
• Fracture of upper jaw, ribs, cheekbones, toes and fingers is covered in a range of Rs 4,750 to Rs 28,500 depending on the plan chosen.
• Expenses to treat Burns are covered in-between Rs 12,000 to Rs 72,000 depending on the plan opted.
• Dislocation requiring surgery under anesthesia is covered for Rs 24,000 to Rs 1.44 Lacs, as per plan chosen.
• Internal injury is covered for Rs 7,500 to Rs 45,000 as per the plan opted.
• Accident daily hospital cash is payable up to Rs 500 to Rs 3,000 as per plan opted.
• Loss of activity of daily living is payable up to Rs 1.5 Lacs to Rs 10 Lacs, as per plan chosen.

Waiting Period Clause

No waiting period is applicable.