TATA AIG Critical Illness Insurance

Benefits of Tata AIG Critical Illness insurance

1. First Heart attack
2. Cancer (excluding skin cancer)
3. Coronary artery Bypass Surgery
4. Kidney failure
5. Major Organ Transplant
6. Total blindness
7. Coma
8. Major Burns
9. Multiple Sclerosis
10. Paralysis
11. Stroke

The plan pays one lumpsum benefit if you are diagnosed to be suffering from any of the covered illnesses / surgeries and if it is the first incidence. This lumpsum benefit is payable only once under this plan after which the coverage ends. A waiting period of 90 days from the inception of the policy is applicable i.e. The benefit is payable only in respect of illnesses first diagnosed / surgeries conducted after 90 days from the inception of the policy. A survival period of 30 days is also applicable i.e., the sum insured is payable only upon the insured surviving 30 days from the diagnosis of the illness / performance of the surgery. The lump sum benefit for Major Organ Transplant is offered, upon undergoing the actual Transplant procedure as a recipient for the organ from a valid donor. And, after the completion of 90 days waiting period and 30 days survival period.

Exclusions under the Critical Illness Health product

1. Any Pre-existing Condition * Acquired Immune Deficiency Syndrome (AIDS) * Human Immune deficiency Virus (HIV) infection * Suicide * Serving in any branch of the Military or Armed Forces of any country, whether in peace or War, * participation in an actual or attempted felony, riot, crime, misdemeanour, operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft; War, civil war, invasion, insurrection, Act of Terrorism;,* Under the influence of drugs or alcohol and more.
2. Is caused by osteoporosis (porosity and brittleness of the bones due to loss of protein from the bones matrix) or pathological fracture (any fracture in an area where pre-existing Disease has caused the weakening of the bone) if osteoporosis or bone Disease diagnosed prior to the Policy Effective Date.
3. Congenital anomalies and conditions arising out of or resulting there from; or Confinement in a Hospital which is not Medically Necessary.
4. Any Illness, sickness or disease , other than specified as Critical Illness, as mentioned in the policy schedule, or
5. Any Critical Illness of which, the signs or symptoms first occurred prior to or within Ninety (90) days following the Policy Issue Date or the last Commencement Date, whichever is later, or
6. Any Critical Illness resulting from a physical or mental condition which existed before the Policy Issue Date or the last Commencement Date which was not disclosed , or
7. Any Critical Illness based on a Diagnosis made by the Insured or his/her Immediate Family Member or anyone who is living in the same household as the Insured or by a herbalists, acupuncturist or other non-traditional health care provider; and
8. Cosmetic or plastic surgery or any elective surgery or cosmetic procedure that improves physical appearance, surgical and non-surgical treatment of obesity (including morbid obesity) and weight control programs, or treatment of an optional nature;
9. Special nursing care, routine health checks or convalescence, Custodial Care, general debility, lethargy, rest cure
10. Any investigation(s) or treatments not directly related to a Covered Illness or Covered Injury or the conditions or diagnosis necessitating hospital admission