Tata AIG Accident Shield Plan - Overview

The Tata AIG Accident Shield is packed with amazing benefits and is cost-friendly with affordable premium rates. It offers you medical insurance across the globe and comes with 100% auto restore sum insured facility. You can choose from a wide range of sum insured ranging from Rs. 3 lakh – Rs. 20 lakh.

It covers expenses for bariatric surgery and 540+ day-care treatments. This plan is the most ideal health insurance plan to cover the medical expenses of you and your loved ones.

 

Key Features & Benefits



The key features covered under Max Bupa Health Companion Plan are as follows:

  • Accidental Death:

    This plan pays for the principal sum insured if the injury results in the death of the insured person on account of an accident.

  • Permanent Total Disability:

    In case the policy owner sustains a serious accidental bodily injury throughout the policy term which directly or independently causes permanent total disability within 12 months from the date of that accident, then the insurer will pay 100% of the sum insured.

  • Permanent Partial Disability

    In case the policy owner sustains permanent partial disability due to accident, then the insurer will pay for these expenses of about 100% of the sum insured.

  • Children education benefit

    Children education benefit is an optional cover that is payable towards the cost of education of your dependent children, in case of death or permanent disability due to an accident.

  • Free Look Period

    Get a 15 days free look period from the date of receipt of the policy document to review the terms and conditions of this policy. You have the option of cancelling the policy stating the reasons for cancellation and will be refunded the premium paid by you.

Policy Details

Tata AIG Accident Shield Plan
Policy Type Individual/ Family
Entry Age Minimum Entry Age: 6 months
Maximum Entry Age: 65 years
Tenure One or three years
Sum Insured Rs. 5 lakh – Rs. 25 lakh
Starting Premium Rs. 1053
Policy Renewal Lifetime Renewable
No of member covered: 4 Members (Self, spouse, up to 2 dependent children)

Plans Available

Health Insurance helps you to be stress-free while dealing with medical contingencies due to sickness and accidental injuries for you and your loved ones. The plans are available starting from Rs.1053, with maximum coverage of Rs. 25 lakh, to know more about the premium rates in detail please click

How to buy the policy

  • To apply the Tata AIG Accident Shield Plan, you can buy it easily online by filling in your basic and health details.
  • Ensure that the information given in the form is complete and accurate.
  • You may be required to undergo a pre-policy medical examination at our network diagnostic centres.
  • On buying this plan online, your policy will be generated instantly along with your policy kit and card. This is applicable for cases which do not require further underwriting or medical check-up.

List of Documents Required for purchasing the policy

The following mandatory documents will be needed to purchase the policy:

  • Photograph of the Applicant
  • Age proof such as birth certificate, Voter’s ID, PAN card, passport etc.
  • Identity proof such as passport, Aadhaar card, PAN card, Voter’s ID, etc.
  • Income Proof such as Form 16, salary slips, employment certificate etc.
  • Address proof such as telephone bill, electricity bill, passport, bank statement, Voter’s ID, etc.
  • Medical Test that the insurer requires you to undergo

How to process the claims

Cashless Claims

  • With the Tata AIG Accident Shield Plan, you can avail the benefit of cashless treatment with our 3500+ network hospitals by following the following process:
  • Get admitted to any one of the insurer’s network hospitals.
  • Use your Tata AIG Accident Shield Plan card or share your policy number with the concerned team at a hospital along with your Passport/PAN card/ Voter’s ID as identification proof.
  • Now, the network hospital will verify your identity for validation and submit the pre-authorization request to the insurer
  • After validation, the insurer will review and provide their confirmation to the network hospital by fax and email. The insurer ensures you are also notified of the same through text message and email. The insurer will respond to your request within 30 minutes of filing of the claim request.
  • The only activity left to do now is the final settlement of your claim (as per policy terms & conditions) with the hospital after completion of all the necessary formalities

Reimbursement claim:

  • If you get hospitalized, notify the insurer within 48 hours of admission in our network or non-network hospital. After getting admitted pay the amount directly to the hospital you are in.
  • After you are discharged from the hospital, make sure you have all the relevant documents, invoices, medical reports and discharge certificate with you. The insurer would need the originals of all the mentioned documents to process your reimbursement.
  • Send all the documents to the insurer which should be filled and signed the claim form. Send your valid ID proof and age proof as well.
  • After receiving your documents, the insurer will review your claim request and accordingly will give our approval, raise a query or reject the same (as per policy terms & conditions)
  • Finally, the insurer will settle the claim (as per policy terms & conditions) and reimburse the approved amount.

Documents Required for Reimbursing Claims

Collect below mentioned relevant document in original from the hospital and submit them to us within 30 days of discharge from the hospital:

 
  • Original investigation reports
  • Final hospital discharge summary FIR or post-mortem report if happened
  • Pharmacy bills along with the prescription
  • Cancelled cheque or NEFT details for payment
  • Original bills, receipts, and discharge report
  • Indoor case papers and duly filled claim form
  • Original hospital bills and a valid photo ID proof Treating doctor's report
  • Original consultation notes Nature of operation performed and surgeon's bill and receipt
  • Test reports along with attending doctor’s or surgeon’s report.

Major Policy Exclusions

  1. Suicide or attempted suicide (whether sane or insane)
  2. Any pre-existing disease or any complication arising from it; or
  3. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a physician and taken as prescribed;or
  4. Intentionally self-inflicted injury or illness, or sexually transmitted conditions, nervous disorder, anxiety, stress or depression.
  5. War, civil war, invasion, insurrection, revolution, the act of a foreign enemy, hostilities (whether war be)
  6. Congenital Internal and External anomalies (known or unknown) or any complications or conditions arising therefrom;
  7. Any loss resulting directly or indirectly contributed or aggravated or prolonged by childbirth or from pregnancy. This however does not include ectopic pregnancy proved by diagnostic means.
  8. Refer the policy document to know more exclusions in detail

Claim/Assistance Contact Details

Toll free number –  08698010101/1800-209-0144 /1800-209-5858

E-mail –  wecare@bajajfinserv.in

Mailing address: Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.

 

*For claim related issues please refer your policy document or certificate of insurance (COI).