UIN: TATPAIP26058V012526

A personal accident cover tailored to your needs. Accident Super Guard Plus gives you greater control so you can choose the coverage that aligns with your income, family structure, financial commitments and lifestyle.

Product Highlights

• High Sum Insured^
• Loan Shield — protection for Insured person’s outstanding loan liabilities in case of loss of their life of due to an accident. ‡
• Weekly Income coverage in case of Temporary Total Disability – Accident Only*
• Escalation Benefit increases Sum Insured by 10% every year, up to a maximum of 50%, on continuous claim-free renewal. †
• Coverage for Burns & Fractures.
• Coverage for Emergency Road Ambulance & Emergency Air Ambulance.
• Mobility support — Cost of External Prosthetics.

^Sum Insured is offered based on the income eligibility, as per underwriting guidelines.
‡Loan Shield is applicable only if Insured person has outstanding loan liabilities and has provided the relevant loan details during the purchase journey.
*Payable weekly up to a maximum of 104 weeks, subject to the Deductible period. 
†Escalation benefit is applicable only if no claim has been reported under Accidental Death, Permanent Total Disability, or Permanent Partial Disability.

• Loan Shield: Helps protect Insured Person’s outstanding loan liabilities, payable on their loss of life due to an accident.
• Accidental Death: Pays the Sum Insured if death of the Insured Person occurs directly or indirectly due to an accident during the Policy period, within 12 months from the date of the accident which caused the injury.
• Permanent Total Disability: Pays the Sum Insured if an injury during the Policy period leads to permanent total disability within 12 months from the date of the accident which caused the injury.
• Permanent Partial Disability: Pays a specified percentage of the Sum Insured for permanent partial disability caused by injury due to accident, during the Policy period. The permanent partial disability should occur within 12 months from the date of accident, provided such disability has continued for a period of 12 consecutive months and is continuous and permanent at the end of that period.
• In-Patient Hospitalization Expenses (Accident): Reimburses medical expenses (Hospitalization expenses for Medically necessary treatment including: Room rent, boarding and nursing expenses; ICU Charges; Emergency Room Services; Medical Practitioner’s fees including fees of specialists and anesthetists treating the Insured Person; Anesthesia, blood transfusion related charges, oxygen, operation theatre charges, surgical appliances; Medicines, drugs and other allowable consumables, prescribed by the treating Medical Practitioner; Diagnostic procedures; The Cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure) up to the Sum Insured opted, arising from an injury due to an accident, that requires hospitalization for medically necessary treatment.

And many more...

• Plan Type: Individual and Family (Self + Spouse + Dependent Children up to 25 years)
• Entry Age: 18–65 years (Self and Spouse); Dependent Children 3 months–25 years (only when both parents are insured)
• Policy Tenure:  Upto 5 years

10% increase of Sum Insured on every continuous renewal if no claim has been reported under Accidental Death, Permanent Total Disability or Permanent Partial Disability* up to 50% of original Sum Insured.

• Any Injury, Illness, Disability or any complications arising therefrom that has occurred prior to the commencement of Policy Period whether or not the same has been treated, or medical advice, diagnosis, care or treatment has been sought.
• Participation in: a. Naval, military or any air force operation or any other such institution or operation. b. Hazardous activity. c. Underground mines, explosives magazines, hydro or thermal power projects. d. Professional or Adventure sports without expert supervision of trained professional; or/and e. Adventure sports with expert supervision of trained professional. f. Arising or resulting from the Insured Person committing breach of law with criminal intent including but not limited to actual or attempted felony, riot, crime, misdemeanor (excluding traffic violations) or civil commotion;
• Suicide or attempted suicide, self-inflicted injury except in self-defence or to save life.
• Being under the influence of intoxicating liquor or drugs or other intoxicants except where the Insured is not directly responsible for the Injury/Accident though under influence of intoxication.
• War or any act of war, invasion, act of foreign enemy, war like operations (whether war be declared or not or caused during service in the armed forces of any country), civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials.

This is summary of Exclusions. For detailed list of Exclusions please refer to the Policy Wordings available on www.tataaig.com.

• Free look period: You have a period of 30 days from the date of receipt of the Policy document to review the terms and conditions of this Policy. If You have any objections to any of the terms and conditions, You have the option of cancelling the Policy stating the reasons for cancellation and You will be refunded the premium paid by You after adjusting the amounts spent on any medical check-up, stamp duty charges and proportionate risk premium. You can cancel Your Policy only if You have not made any claims under the Policy. All Your rights under this Policy will immediately stand extinguished on the free look cancellation of the Policy. Free look provision is not applicable and available at the time of Renewal of the Policy
• Grace period : Grace Period of 30 days for renewing the Policy is provided under this Policy. However, Coverage would not be available for the period for which no premium has been received. In case any Accidental Injury or Disability is contracted during the Grace Period, such Injury or disability shall not be Covered upon subsequent Renewals
• No refund in case of established fraud, misrepresentation or non-disclosure of material facts.
• This is summary of Terms & Conditions. For detailed list of Terms & Conditions, please refer to the Policy Wordings available on www.tataaig.com.

Claims can be registered via SMS, email, or customer support. All admissible claims will be processed and settled by the insurer