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Protect your family from unexpected Hospitalization expenses - a Perfect supplement to your health policy
Accidents and mishaps can happen to anyone, at any time. And when they happen they bring unforeseen hospitalization causing financial problems. Charges like X-Ray, Pathology, Scans, Consultation, Surgeons fees, Operation Theatre charges - the list will seem endless. The hospitalization can sometimes drain all of your savings, leaving your future in doubt.
More than 3,00,000 people require hospitalization due to serious injury in road accidents.
Presenting TATA AIG's Hospital Care Plan : A unique plan takes care of hospital cash, accidental death benefits and incidental expenses in case of hospitalization due to accidents.
Unique Features
- Hospital Cash Benefit - takes care of incidental expenses while in hospital, available in Rs. 1000/day, Rs. 2500 and Rs. 5000/day.
- ICU Benefit - Double Hospital cash benefit while admitted in Intensive Care Unit(ICU), available in Rs. 2000/day, Rs. 5000/day and Rs. 10,000/day.
- Covers important elements of Hospitalization expenses arising out of accidents such as Surgeons Fee, Operation Theatre, Anthesthetist, X-rays, Pathology Tests, Ambulance.
- Physiotherapy Benefit - helps you recover fast while admitted in hospital due to accidents.
- Accidental Death Benefit provides equivalent to 100 times daily Hospital Cash benefit.
- Flexibility in choosing options : 3 plans offer different levels of protections against hospitalization expenses due to accidents.
- Family Option available to cover Spouse (100% benefits) and 4 children (25% benefits for each)
Additional Features
- No medical tests required. No financial documentation.
- 24hrs. worldwide coverage including terrorism.
- Ambulance Charges
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Plan 1 |
Plan 2 |
Plan 3 |
1. Accidental Hospital Cash |
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| a. Daily benefit - (Upto 60 days) |
Rs. 1,000/day |
Rs. 2,500/day |
Rs. 5,000/day |
| b. ICU benefit - 2 times (Upto 15 days) |
Rs. 2,000/day |
Rs. 5,000/day |
Rs. 10,000/day |
2. Accidental Death(100 times of the daily benefit) |
Rs. 1 lakh |
Rs. 2.5 lakh |
Rs. 5 lakh |
3. Operation Charges |
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| a. Anesthetist's Fees (Upto) |
Rs. 5,000 |
Rs. 10,000 |
Rs. 10,000 |
| b. Operation Theatre Charges (Upto) |
Rs. 5,000 |
Rs. 10,000 |
Rs. 10,000 |
| C. Surgeon Fees (Upto) |
Rs. 10,000 |
Rs. 20,000 |
Rs. 20,000 |
4. Hospital Services |
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| a. X-Ray/CT Scan (Upto) |
Rs. 1,000 |
Rs. 2,000 |
Rs. 2,000 |
| b. Pathology Tests(Upto) |
Rs. 2,000 |
Rs. 4,000 |
Rs. 4,000 |
5. Ambulance Charges (while admitting and discharging from the Hospital ) |
Rs. 2,000 |
Rs. 4,000 |
Rs. 4,000 |
6. Physiotherapy Benefit (during confinement in the Hospital upto 30 days ) |
Rs. 5,000 |
Rs. 10,000 |
Rs. 10,000 |
Important Exclusion : The main exclusion includes suicide, military service or operations, war, illegal act, bacterial infection, disease, AIDS, dangerous sports, etc.,
Occupational Classes-Definition :
1. Class I & II- White coller non-hazardous occupations with office, showroom only i.e. lawyers; doctors; dentists; office executives; clerks; salesmen; superintending engineers, etc. Semi-hazardous occupations with duties in a supervisory capacity (not a machine operator of any type, nor doing manual work, labour, etc.)
2. Class III & IV- Skilled or semi-skilled workers using light/heavy machinery i.e. filling station attendants, taxi drivers, heavy motor vehicle drivers, industrial workers or unskilled labours, construction workers, electricians, farmers, labourers etc.
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| TATA-AIG Citation |
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Mr. Rodney Fernandez, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 6 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their Travel policies online".
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