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Individual Accident
and Sickness Hospital Cash Policy

Tata AIG Individual Accident and Sickness Hospital Cash is the perfect supplement for a health insurance policy

For claims call on 1800-266-7780

Daily Cash Benefit

Takes care of any unexpected financial burden in case of hospitalisation

No Medical Tests

No medical examinations required

Tax Benefits

Premium paid is eligible for benefits under section 80D of IT Act

Flexible coverage

Choose from 5 different levels of hospital expense coverage

Features and Benefits

  • In-hospital Indemnity for Accidents : Pays for Daily Benefit for each Day for Inpatient Hospitalisation due to Injury or Accidents
  • In-hospital Indemnity for Sickness: Pays for Daily Benefit for each Day for Inpatient Hospitalisation due to Illness, Disease or Sickness.
  • Accident Medical Expense Reimbursement: This benefit takes care of reimbursement of day to day medical bills due to accidental injuries with or without hospitalisation.
  • .1 day deductible and 90 days waiting period for under Hospital Indemnity for Sickness
  • Deductible of 5% of benefit amount under Accident Medical expense reimbursement
  • Coverage will be 100% of the Coverage amount in case of Insured and Spouse, 50% in case of each child
  • Entry age between the age 6 months - 65, policy is however renewable for life upon payment of premium provided the cover is maintained with us without a break
  • Any Pre-existing Condition, any complication arising from it or
  • suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune-deficiency Virus (HIV) infection; or
  • serving in any branch of the Military or Armed Forces of any country, whether in peace or War, and in such an event We, upon written notification by the Policyholder, shall return the pro rata premium for any such Insured Period of service under the circumstances described in a Hazard; or
  • being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed; or
  • participation in an actual or attempted felony, riot, crime, misdemeanour, (excluding traffic violations) or civil commotion; or
  • operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft; or Scheduled Aircraft.; or
  • War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; or
  • any loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any Act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.
    The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to action taken in respect of any act of terrorism.
    If the Company alleges that by reason of this Exclusion, any loss, damage, cost or expenses is not covered by this insurance the burden of proving the contrary shall be upon the Insured or
  • the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act; or
  • Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
  • the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
  • congenital anomalies or any complications or conditions arising there from; or
  • participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorised vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sport, any bodily contact sport or any other hazardous or potentially dangerous sport for which you are trained or untrained or.
  • any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy, or
  • for any loss of which a contributing cause was Your actual or attempted commission of, or wilful participation in, an illegal act or any violation or attempted violation of the law or Your resistance to arrest; or
  • if You are admitted to a Hospital within 90 days immediately following the Effective Date of Coverage stated in the Schedule, unless hospitalisation is caused by Injury
  • If You are admitted to a Hospital during the first 3 months immediately following the Policy Effective Date as a result of cataract(s), benign prostatic hypertrophy, hysterectomy for menorrhagia or fibromyoma, hernia, hydrocle, fistula in anus, piles, sinuses and related disorders;
  • Any medical treatment taken outside of India.
  • Any non medical treatment
  • Please refer to policy wording for detailed benefits and exclusions.
  • Call us at our 24 X 7 Toll Free number 1800 266 7780 / 1800 22 9966 (Only for Senior Citizens)
  • Alternatively you can SMS “CLAIMS” to 5616181

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