TATA AIG Critical Illness Insurance

 
  • Available for 18 years to 65 years of age
  • Provides coverage for a set of 11 Critical Illnesses & Surgeries.
  • Lifelong renewal provided
  • Benefits are covered under section 80D of Income Tax Act 1961
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Critical Illness provides coverage for set of 11 critical illnesses and surgeries. The Plan pays out a lump sum benefit equal to the coverage level you have purchased, upon diagnosis of any of these illnesses or performance of a covered surgical procedure. Thus, We ensure that your savings are protected in the eventuality of a critical illness.
Eligibility
  • Entry age is 18 years to 65 years for the proposer.
  • The policy will be issued for a 1 year
  • The policy can be issued to an individual.
Annual Premium Table (in INR)
Coverage Limit 1,00,000 2,50,000 3,50,000 5,00,000 7,50,000 10,00,000 15,00,000
18 - 24 383 957 1,300 1,817 2,640 3,444 4,993
25 - 29 516 1,291 1,754 2,454 3,564 4,649 6,741
30 - 34 697 1,743 2,368 3,312 4,812 6,276 9,100
35 - 39 1,011 2,528 3,433 4,802 6,977 9,100 1,3195
40 - 44 1,820 4,551 6,179 8,646 12,558 16,381 23,752
45 - 49 3,186 7,963 10,813 15,129 21,978 28,666 41,566
50 - 54 5,096 12,741 17,302 24,206 35,164 45,865 66,506
55 - 59 8,154 20,385 27,683 38,731 56,261 73,385 1,06,408
60 - 65 15,818 39,546 55,364 79,091 1,18,637 1,58,183 2,37,274
66 & above 15,818 39,546 55,364 79,091 1,18,637 1,58,183 2,37,274

  • Critical Illness Benefit – Covers listed 11 critical illnesses. It pays out a lumpsum benefit equal to the coverage level (Sum Assured) you have purchased, upon the diagnosis of any of these illness.
  • Second opinion - The second opinion benefit is valid only if your Critical Illness Insurance Policy is in force and the Insured Person has been diagnosed with any one of the 11 Covered Critical Illnesses defined in this policy.
  • Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal .The Enhanced Sum Insured will have a fresh proposal status where the waiting period and exclusions shall apply afresh.
  • Policy covers 11 critical illnesses
    • First Heart Attack
    • Cancer
    • Stroke
    • Coronary Artery Bypass Graft
    • Kidney Failure Requiring Dialysis
    • Major Organ and Bone Marrow Transplant
    • Loss of sight
    • Coma
    • Severe Burns
    • Multiple Sclerosis
    • Paralysis

    • First Heart Attack-of specified severity
    • Cancer of specified severity
    • Stroke resulting in Permanent Symptoms
    • Open Chest CABG
    • Kidney Failure Requiring Regular Dialysis
    • Major Organ / Bone Marrow Transplant
    • Total Blindness
    • Coma of specified severity
    • Major Burns
    • Multiple Sclerosis with persisting symptoms
    • Permanent Paralysis of Limb

    Any treatment which begins during waiting periods except
    • Any Pre-existing Condition, any complication arising from it, or
    • Any Illness, sickness or disease , other than specified as Critical Illness
    • Any Critical Illness of which, the signs or symptoms first occurred prior to or within Ninety (90) days.
    • self-inflicted Injury or illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, AIDS, HIV infection, suicide not covered
    • War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities ....
    • Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel
    • The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment

    Note: Please refer to policy wordings for the list of exclusions.

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