A Project On Banking And Insurance Companies Future Generali Life Insurance Company LTD TATA AIG Life Insurance

ce Company Limited
Bharkshe Sugat Dadarao(10-707) Nakhwa Mayur Narendra(10-729) Pradhan Lambodar Bhuboni(10-737) Srinath GY Reddy(10-740) Saraswat Komal Dhiraj(10-744) Satpute Nityanand R.(10-745) Vaishaya Navneet(10-757)

Future Generali Life Insurance Company Ltd. Critical Illness Travel Insurance Car Insurance Health Insurance Hospital Cash

Critical illness
Future Criti-Care is a standalone critical benefit plan that insures you against twelve critical illnesses. Should you ever be diagnosed with one of these, you will be provided with a fixed sum, regardless of your actual medical expenses and other health indemnity policies. Subsequent to 90 days from the policys commencement, Future Criti-Care shall cover the following major medical illnesses and procedures; subject to survival of 28 days from the date of diagnosis/ procedure. You can apply for this plan in addition to your other medical plans. Cancer* Kidney Failure* Primary Pulmonary Hypertension* Liver Failure* Multiple Sclerosis* Major organ transplant* Coronary artery bypass surgery* Aorta graft surgery* Stroke* First heart attack*(myocardial infarction) Coma* Total blindness* *For the complete exclusions, terms and conditions of the policy kindly refer to the policy wordings.

features
The product is for those between the age of 18 yrs to 50 years Medical examination may be required in some cases based on the age and the benefit amount opted for by you You can opt for a sum insured between Rs. 2,00,000 and Rs. 10,00,000 if the age at entry is 50 years or below and upto Rs. 20,00,000 if the age at entry is under 45 years The premium paid is exempt under section 80 D of the Income Tax Act

Individual and family

Any pre-existing conditions or related condition(s). Any illness that occurs during the waiting period, i.e. the first 90 days from the commencement of the period of insurance Any medical procedure / treatment which is not medically necessary or not performed by a Doctor External or internal congenital illnesses Birth control procedure and hormone replacement therapy Treatment by a family member and self-medication or any treatment that is not scientifically recognised Non-allopathic treatments Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection, attempted suicide, self inflicted injury Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens War and war like operations Participation in hazardous sports and activities Diagnosis outside India; unless reaffirmed by a physician in India and subject to presentation of all claim documents in English.

Benefits

Cashless claims settlement Claims turnaround time of less than seven working days Global service and hospital network Worldwide emergency, medical and travel assistance Universal International Free Number (UIFN) Flexibility of choosing a travel insurance plan as per your need Child escort benefit Specially designed plan for senior citizens (i.e. 71 80 years of age) Ease and convenience of purchase Instant policy issuance Cover extension in India, up to 90 days for medical expenses on evacuation

Travel Insurance single trip plan Travel Suraksha Coverages Sickness & Accident Medical expenses Emergency Medical Evacuation Repatriation of remains Daily hospital allowances Emergency Sickness Dental Relief (included in medical cover) Hijack Benefit Standard Silver (USD) (USD)
50000 100000

Gold (USD)
250000

Platinum Deductible (USD) (USD)

500000
75

Included

Included Included

Included

Medical Care

Included

Included Included 25 per day(Max 5 days)

Included 25 per day(max 5days)

NA

NA

1 Day

300

300

300

300

100

Trip Delay Travel Inconvenience Trip Cancellation Trip Curtailment Missed Connection Loss of Passport Baggage Delay Personal Care Baggage Loss***(checked

50 per 100 per 50 per day day(max day (max (Max 7 for 7 for 7 days) days) days) 20 per 12 NA NA hrs(max 120) NA NA 200 50 250 NA NA 200 50 500 NA NA 250 100 1000

150 per day (Max for 7 days) 20 per 12 hrs(max 120) 500 300 500 250 200 1000

1 Day

12 hrs

100

100

50 25 12 hrs 25

in) Compassionate visit Financial Emergency Visit Accidental Death& Permanent Total Disablement Accidental Death (Common Carrier) Accidental death Air Travel Personal Liability Golfers Hole in one celebration Automatic extension for 7 days Home burglarybuilding and content when the insured is travelling Child escort
Up to a max of 1000 500
200

100

200

500

5000

5000

10000

20000

Personal Accident

3000

5000

5000

5000

100000 100

100000 100

5000 200000 100

5000 200000 200

0.1% of SI -

Legal Liability

NA

NA

Available Available

Special Care

NA

NA

'100000

'200000

NA NA 2500 *** Per baggage max. 50% & per item in the baggage max. 10%

2500

Multi trip plan Travel Suraksha Coverages Sickness & Accident Medical expenses Emergency Medical Evacuation
Gold (USD) 250000 Included Platinum (USD) 500000 Included Deductible (USD) 75 -

Medical Care

Repatriation of remains Daily hospital allowances Emergency Sickness Dental Relief (included in medical cover) Hijack Benefit

Included 25 per day(Max 5 days) 300 100 per day (max for 7 days) 20 per 12 hrs(max 120) NA NA NA 250 100

Included 25 per day(max 5days) 300 150 per day (Max for 7 days) 20 per 12 hrs(max 120) 500 300 500 250 200 1000 Up to a max of 1000 500

1 Day

100

1 Day

Travel Inconvenience

Trip Delay

12 hrs 100 100 50 25 12 hrs 25 200

-

Trip Cancellation Trip Curtailment Missed Connection Loss of Passport Baggage Delay Baggage Loss***(checked 1000 in) Personal Care Compassionate visit Financial Emergency Visit Accidental Death& Permanent Total Disablement Accidental Death (Common Carrier) Accidental death Air Travel Personal Liability Golfers Hole in one celebration Automatic extension for 7 days Home burglary- building and content when the insured is travelling Child escort
NA 500

10000

20000

Personal Accident

5000 5000 200000 100 Available

5000 5000 200000 200 Available

Legal Liability

0.1% of SI
-

Special Care

'100000 2500

'200000 2500

Senior
This plan is for age group of 71 80 years subject to medical underwriting as advised.

Travel Suraksha Coverages

Superior Care (USD)

Deductible (USD) 75 1 Day 25 12 hrs 25 0.1% of SI

Medical Care

Sickness & Accident Medical 100,000 expenses Emergency Medical Evacuation Included Repatriation of remains Included Hijack Benefit Loss of Passport Baggage Delay Baggage Loss***(checked in) Financial Emergency Assistance Accidental Death& Permanent Total Disablement Accidental Death (Common Carrier) Personal Liability
50 per day (Max for 7 days) 250 50 500 200 5000 5000 200000

Travel Inconvenience

Personal Care

Personal Accident Legal Liability

Asian travel Travel Suraksha Coverages

Family Floater Standard (USD) Silver (USD) 1,00,000 Included Included 25/day (Max 5 days) 150 Individual Gold (USD) 25,000 Included Included 50 Deductible (USD)

Medical Care

Sickness & Accident Medical expenses Emergency Medical Evacuation Repatriation of remains Daily Hospital Allowances Emergency Sickness Dental Relief (included in medical

50,000 Included Included 25/day (Max 5 days) 100

NA

1 Day

NA

50

cover) Travel Inconvenience Loss of Passport

100 100 200 100 100 200 100 NA NA 25 12 hrs -

Baggage Delay Personal Care Baggage Loss***(checked in) Accidental Death& Permanent Total Personal Disablement Accident Accidental Death (Common Carrier) Legal Liability Personal Liability

7,500

15,000

5000

2,500 10,000

5,000 10,000

NA NA

100

Family Floater

The single trip plans are also available on floater basis. The Sum Insured in the floater policy would be a single Sum Insured for the entire family. Family would mean Self, spouse and dependent children. Age eligibility for family floater is from 6mths to 70 yrs. Premium for the primary insured remains at actuals. For remaining members discounts applicable as table below.

Age group
6 to 25 yrs 26 to 30 yrs 31 to 35 yrs 36 to 40 yrs 41 to 45 yrs 46 to 50 yrs 51 to 55 yrs 56 to 60 yrs 61 to 70 yrs

Premium Discounts
50% 50% 50% 50% 50% 40% 30% 25% 15%

Exclusions:

This policy does not cover pre-existing diseases and complications arising from them Routine physical or other examinations when there are no objective indications of impairment of normal health, and medical expenses incurred after the expiry of the policy period

Suicide, attempted suicide or voluntary self-inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness, drug abuse, and HIV or AIDS Manual work or hazardous occupation, or if engaged in any criminal or illegal act Pregnancy, resulting childbirth, miscarriage or abortion, or complications arising out of either of these Loss or damage to the insureds passport as a result of confiscation or detention by customer, police or any other authority Failure to intimate to the appropriate authority, police or otherwise, and obtain report from the authority within 24 hours of discovery of loss War or war like actions, act of terrorism

Note: Terrorism is covered under the policy For detailed exclusions kindly refer to the policy wordings

Extensions:
Premiums for extensions

Extensions where the initial policy period and extended period do not exceed 180 days The premium would be charged calculating the difference in premium applicable for the total period less the initial policy period. Extensions where the initial policy period and extended period exceed 180 days The premium for the extended period would be charged by loading the premium applicable for extended period of travel as per the brochure.

Loadings for extensions Extension period

up to 30 days 31-60 days 61-90 days 91-120 days 121 -180 days

Up to 60 yrs
5% 10% 15% 25% 30%

61 yrs- 70 yrs
10% 15% 20% 30% 50%

Car insurance
The difference between driving safe and driving secure. You stop at every signal; you slow down when you are supposed to, and follow every rule to the letter. Unfortunately, your vehicles fate doesnt depend on you alone. Future Motor Suraksha takes care of any damage your vehicle might suffer. This plan, which is in its first year of operations; overs everything, including third party expenses. So now when you drive, rest assured; we take just as much care of your car as we do of you.

Types of Motor Insurance Solutions:

Private Car Insurance Two Wheeler Insurance Commercial Vehicle Insurance

Benefits

Instant policy issuance Toll-free assistance number for customer service and claims registration Prompt and timely claims survey Cashless / direct settlement at our approved workshops Claims finalisation within seven working days from receipt of all documents Accidental towing assistance (within city limits only) Automated renewal reminder service

Coverages

Vehicle damage: This benefit covers any damage to your vehicle on account of an accident, burglary, theft or housebreaking. It also protects your vehicle against damage due to fire, lightning, self-ignition, explosion, riot, strike, malicious act, terrorism, earthquake, flood, cyclone and inundation. This cover encompasses protection against any damage caused to your vehicle while in transit by road, rail, air, elevator and lift

Third party liability: This benefit protects you against any third party liability that you may incur due to the death of, or bodily injury to, any person; or damage to property. The policy also covers the legal expenses you might incur to defend this claim. This is a mandatory insurance coverage for your vehicle

Additional coverages 1. Personal accident cover:

The motor insurance provides compulsory personal accident cover of Rs. 1 lakh for individual owners of the vehicle while driving. This is not applicable for a Company owned Vehicle.

You can also opt for a personal accident cover for passengers (named or un-named) up to a maximum Capital Sum Insured of Rs. 2 lacs per person

2. Additional Legal liabilities: The following additional legal liabilities may also be opted for at an additional premium
o o o

Paid Driver/conductor/Cleaner employed in operation of vehicle. Employees traveling in/driving the vehicle other than paid driver. Non-fare paying passengers

Bonus and Discounts: No Claim Bonus: If you do not make a claim during the policy period, a No Claim Bonus
(NCB) is offered on renewals. This discount can go as high as 50%. (NCB will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.)

Transfer of NCB:You can transfer full benefits of No Claim Bonus when you shift your motor
insurance policy to another company.

Voluntary Excess discount: A further discount on the premium is available if you opt for a
Voluntary Excess (available only for Private cars and Two wheelers) in addition to the Compulsory Excess. (Compulsory Excess is the amount of loss which the insured has to bear in each and every claim.).

Automobile Association Membership:You can also avail of additional discount if you are a
member of a recognized Automobile Association in India (available only for Private cars and Two wheelers).

Anti-theft devices: In case you have installed an ARAI approved anti theft device in your
vehicle, you get a discount of 2.5 % on the OD Premium to a maximum of Rs. 500 for fourwheelers and Rs 50/- for two wheelers

With growing needs and dynamic external factors, the regular car insurance is no longer sufficient. Future Generali offers you unique Add on covers for additional protection to your vehicles

1. Depreciation Cap
This cover offers full claim without any deduction for depreciation on the value of parts replaced. The cover is available for vehicles up to 3 years old and operates for maximum 2 claims during the policy period.

2. IDV comprising of On Road Price

This cover offers IDV equal to Invoice value plus Registration plus Road Tax for the new vehicle.

3. Reimbursement of Consumables.
This cover reimburses the cost of consumables up to 2% of the admissible claim amount subject to a maximum of Rs 3000/4.

Personal Accident of Rs 50 lakhs Death only for registered owner.

5. Loss of Personal Belongings including owners laptop from locked vehicle up to Rs 50,000/6. Loss of keys up to Rs. 50,000/7. Inconvenience Allowance of Rs. 3000/- per day for 15 days
This cover pays a fixed sum towards hiring a transport while the vehicle is under repair for a valid claim and the repair time is more than 3 days. Period of Daily Allowance may extend beyond the policy period depending upon the date of loss.

8. Personal Liability of Rs 5 lakhs worldwide for registered owner You may also choose from Pre-determined bundles below
Add on Covers Depreciation Cap IDV comprising of On Road Price Silver Gold Platinum

Reimbursement of Consumables Personal Accident Death only cover for Registered owner Loss of Personal Belongings Loss of keys Inconvenience Allowance Personal Liability

Your vehicle is most critical to your business. Any damage to it can be a huge loss to you. In todays times of uncertainties, you need a comprehensive insurance cover which not only covers you for the liability arising out of the Third party but covers you against the loss or damage to your vehicle.

Benefits

Covers all the features as per the Motor Vehicle tariff Coverage for Partial Loss & total loss arising out of accident, Fire & allied perils, burglary & theft, riots and strikes, damage in transit by air, rail, road and sea.

Discount (NCB) for claim free experience. Predefined depreciation for the parts needing replacement on account of accident. Third Party Legal Liability: Covers Third party property damage and Third party Bodily injury.

Health
Your health is your most important asset. And with Future Health Suraksha, we ensure that you will never have to go too far to protect it. Our network of hospitals across the nation will handle any medical problem that arises. Its our way of protecting you even against the unpredictable.

Family floater Cashless settlement Innovative covers offered Quick settlement of claims Renewal discount Cumulative bonus

Age eligibility - age 90 days to 45 years A childs entry will only be eligible if the child is over 90 days of age.

Sum assured eligibility

No pre-acceptance medical tests up to age of 45 years irrespective of sum insured, subject to clean proposal form. With Future Health Suraksha, the member has access to cashless facility at our empanelled hospitals across India. Pre and post hospitalisation expenses incurred from 60 days prior up to 90 days after Hospitalization Ambulance charges Day-care procedures Hospital cash Pre-existing disease covered after four years of consecutive renewal Free medical check-up (After Four consecutive claim free years, for any two insured members) Accompanying person expenses up to Rs. 500 per day Additional accidental hospitalisation limit enhanced by 25% of balanced sum insured, subject to a maximum of Rs. 1 lakh

Other benefits
Renewal discount of 5% on the renewal premium, applicable on the date of renewal, for each claim-free year by the entire family, up to a period of five years. At the end of the fifth year, subject to no claim, cumulative bonus of 10% on the basic sum insured will be provided up to a maximum of 50% of the sum insured.

Tax benefit
Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act.

Any condition, ailment, injury or related condition(s) for which you have been diagnosed, received medical treatment, had signs and / or symptoms, prior to the inception of your first policy, until 48 consecutive months have elapsed after the date of inception of the first policy with us. Any disease contracted during the first 30 days from the commencement of the policy Diseases like cataract, hernia and tumour shall be covered after a waiting period of two years Diseases / surgeries like gallstones, renal stones shall be covered after a waiting period of one year Non-allopathic treatment Congenital diseases All expenses related to AIDS and related diseases Joint replacement surgery shall be covered after a waiting period of three years, unless required due to an accident Use of intoxicating drugs or alcohol

PLANS BASIC SILVER GOLD PLATINUM

ZONE WISE CLASSIFICATION Zone C (Other Cities) Excluding Zone A & Zone B Zone B (Chennai, Kolkatta, Ahmedabad, Hyderabad & Bangalore) Zone A (Mumbai & Delhi) Across India (Zone A + Zone B + Zone C)

The geographical zones for specific plans as mentioned above are based on the location of the hospital where treatment is received and not the residence of the insured.

The Basic Plan is for those who have paid the premium for the Zone C region, i.e. all India excluding Zone A and Zone B. In case the insured is treated in a hospital that falls under Zone A or Zone B, the payment will be as per our claim payment annexure. The Silver Plan is for those who have paid the premium for the Zone B region which comprises Chennai, Kolkata, Bangalore and Hyderabad. In case the insured is treated in a hospital in Zone A or Zone C the payment will be as per our claim payment annexure.

Plans Zone wise classification

The Gold Plan is for those who have paid the premium for the Zone A region which comprises Mumbai including Thane and Panvel, and Delhi including NCR (National Capital Region). The Platinum Plan covers Basic covers with no restrictions and includes additional benefits. This cover is available for sum insured of 6 lakhs and above. ** Internal Sublimits for Room, Board & Nursing Expenses /Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fee /Anaesthesia, Blood, Oxygen, Operation Theatre Charges etc., will not be applicable for any plan.

Benefit Plan Platinum Plan Gold Plan Silver Plan Basic Plan

Zone A 100%* 100%* 80%* 70%*

Zone B 100%* 100%* 100%* 80%*

Zone C 100%* 100%* 100%* 100%*

Hospital cash Future Generali Health Suraksha Individual Plan:

Future Generali Health Suraksha Individual Plan is a complete health insurance plan which is created so as to meet the needs of the people who suffer from todays health problems. If you buy Health Suraksha, you can spend the rest of your life with the knowledge that if you fall sick and need treatment and hospitalization. This plan covers all these expenses. The knowledge of this in itself will reduce all your tension and you will lead a healthy and happy life.

The Future Generali Health Suraksha Individual Plan recommends, If you buy this plan your hospitalization charges, ambulance charges, and outpatient charges will be taken care of. If you have been diagnosed with a disease before taking the policy, this will be covered also after you have completed four years of the policy term. After four years you will be eligible to free health check ups, taking care of your expenses as well as the expenses of the person who is accompanying you and taking care of you. Many advantages in buying Future Generali health Suraksha include, It provides you with the facility of cashless hospitalization. If you are hospitalized in a hospital that is covered by this insurance, you just have to show your insurance card, give your number and you will be admitted at once without any claims for money. In this plan, the plans are classified into zones. The Basic plan covers zone C which does not include any of the cities included in zone A and zone B. The silver plan includes zone B-class cities like Chennai, Kolkata, Hyderabad and Bangalore. The Gold plan includes zone A cities like Mumbai and Delhi. The platinum plan includes cities which come under zone A, B and C, which is across India. So, if you have invested under the basic, silver and gold plan, your sum assured will be around one to five lacs and with the platinum you can be assured of six to ten lac rupees. Your claim will be process without delay and the money will be available on time without much hassles. This insurance covers around 4000 hospitals across India. A list of hospitals will be provided at the time of opening the insurance policy. All you need to do is to show this card while getting treatment at any of the hospitals listed. Future Generali Health Suraksha Individual Health Plan protects you from the hassles of hospitalization and deprives you of your savings. It is a healthy plan to stay healthy

Tata AIG Life Insurance Company Limited Critical Illness Travel Insurance Car Insurance Health Insurance Hospital Cash

Critical Illness
Today, there are people suffering stroke before they touch middle age; heart attacks are heard of for people under 40. Despite our age, diligent health and fitness regime, such critical illnesses can affect anyone, anytime and command expensive specialized medical services. To bring you back to good health, without causing a strain on your finances, there is Tata AIG CritiCare.

Features

Wide illness coverage CritiCare covers 11 critical illnesses. Free Second Opinion - offers you a unique opportunity, at no extra cost to you, to take a second opinion on your illness from a panel of doctors in the US. The premium paid under CritiCare (up to Rs 15,000) is exempt from tax under Sec 80D of the Income Tax Act. The same is subject to change in tax laws.

Benefits Tata AIG Criticare covers 11 critical illnesses as follows:

First Heart Attack Stroke Cancer (excluding skin cancer) Kidney Failure Major Organ Transplant Paralysis Coma Major Burns (covers atleast 20% of the body surface) Multiple Sclerosis Total Blindness Coronary Artery Bypass Surgery

Coverage
1. Any Pre-existing Condition, any complication arising from it, or 2. Any Pre-existing Condition, any complication arising from it, or 3. 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 4. 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 5. 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; suicide, or 6. 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 7. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or 8. The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or 9. Congenital anomalies or any complications or conditions arising therefrom; or 10. 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 motorized 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 11. Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy, or 12. 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 13. Cosmetic or plastic surgery or any elective surgery or cosmetic procedure that Improve physical appearance, surgical and non-surgical treatment of obesity (including morbid obesity) and weight control programs, or treatment of an optional nature; 14. Special nursing care, routine health checks or convalescence, Custodial Care, general debility, lethargy, rest cure; 15. Any investigation(s) or treatments not directly related to a Covered Illness or Covered Injury or the conditions or diagnosis necessitating hospital admission

Car Insurance Features

Free pick-up of car!* Direct settlement facility at special garages!* Upto 6-month accident-repair warranty Quality spares and materials, guaranteed! Claim settlement in 7 days! Enhanced protection though 8 unique add on covers.

Coverage

Loss or Damage to your Vehicle: Any partial or total loss to your vehicle arising out of accident or on account of fire and allied perils is covered. Third Party Legal Liability: Covers Third party property damage and Third party Bodily injury No deduction on count of Salvage value Green Channel Settlement: Green Channel Settlement is another first in the motor insurance industry. This innovation promises to make accident claims and repairs easier than never before! You get value added propositions through our accredited garages Auto Restore Warranty: Tata AIG Auto Secure policyholders can enjoy 'Warranty on Accident Repairs' when a customer opts for the 'Green Channel Settlement Enhanced protection though 8 unique add on covers.

Added Protection
With growing needs and dynamic external factors, the regular car insurance is no longer sufficient. Tata AIG has endeavored to offer evolved benefits giving maximum value additions over and above the basic benefits.

o o

o o

Depreciation Reimbursement This cover offers full claim without any deduction for depreciation on the value of parts replaced. The cover is available for vehicles up to 3 years old and operates for maximum 2 claims during the policy period. Return to Invoice This cover pays the difference between the claim amount receivable under the policy and the purchase price of vehicle as per invoice in case the vehicle is declared a Total Loss or a Constructive Total Loss. In case the same vehicle make and model is available at a lower price than the purchase price, then the lower price will be considered for arriving at the differential amount. The cover also pays first time registration charges and road tax on the insured vehicle. Cover is available for vehicles up to 3 years old. Daily Allowance This cover pays a fixed sum towards hiring a transport while the vehicle is under repair for a valid claim and the repair time is more than 3 days. The cover will be valid for maximum 10 days and in case of Total Loss / Theft claims, validity will be up to 15 days. Period of Daily Allowance may extend beyond the policy period depending upon the date of loss. No Claim Bonus Protection Normally in case of a claim, the No Claim Bonus (NCB) component of your car insurance policy gets impacted. However under this cover, the existing NCB can be retained. Such a retention of NCB will be applicable in case of certain claims if the bonus accumulated is 25% or more and there is no claim in the preceding 2 years. NCB Protection is available only if vehicle is renewed with Tata AIG. Repair of Glass, Fibre, Plastic and Rubber Parts Under this cover the No Claim Bonus will not be impacted if repair rather than replacement is opted for damage to only Glass, Fibre, Plastic and Rubber parts provided no other claim for damage to the vehicle is preferred during the policy period. This cover is free. Key Replacement This cover pays the cost to replace vehicle keys if lost or stolen, plus the cost of locks if the vehicle is broken into.

Emergency Transport and Hotel Expenses This cover pays the cost of overnight stay and taxi charges for returning to the place of residence or the nearest city of travel, if the vehicle becomes immobile due to an accident. Loss of Personal Belongings This cover pays for the loss or damage to personal belongings inside a vehicle at the time of loss or damage to the vehicle in excess of Rs. 250.

Hospital Cash Key Features

A Daily Cash benefit which takes care of any unexpected financial burden in case of hospitalization. No Medical Examination required Hospitalisation Cash upto 180 days in case of Accidents or Sickness Premium paid is eligible for tax exemption under Sec 80D of IT Act. Guaranteed issuance. No Limitation on Hospitals Flexibility in choosing options; 5 convenient offer different levels of protection against hospitalization expenses. Renewal benefit: On renewal of policy, additional 5% on the original benefit amount upto max 5 yrs.

What are the benefits of Individual Accident and Sickness Hospital Cash?

Sickness Hospital Cash: It takes care of hospitalization expenses due to sickness; upto Rs. 5000/day Accidental Hospital Cash: You can also opt for accident hospital cash benefit which takes care of incidental expenses while in hospital due to accidents; available upto Rs.10000/day Accident Medical Expense Reimbursement: This benefit takes care of reimbursement of day to day medical bills due to accidental injuries with or without hospitalization. 1 day deductible and 90 days waiting period for Sickness Hospital Cash Deductible of 5% of benefit amount for Accident Medical expense reimbursement Coverage will be 100% of the Coverage amount in case of Insured and Spouse, 50% in case of each child

What are the benefits of Individual Accident and Sickness Hospital Cash?

Sickness Hospital Cash: It takes care of hospitalization expenses due to sickness; upto Rs. 5000/day Accidental Hospital Cash: You can also opt for accident hospital cash benefit which takes care of incidental expenses while in hospital due to accidents; available upto Rs.10000/day Accident Medical Expense Reimbursement: This benefit takes care of reimbursement of day to day medical bills due to accidental injuries with or without hospitalization. 1 day deductible and 90 days waiting period for Sickness Hospital Cash

Deductible of 5% of benefit amount for Accident Medical expense reimbursement Coverage will be 100% of the Coverage amount in case of Insured and Spouse, 50% in case of each child

Who should buy this insurance?

Any individual between the age of 18 to 50 years and Includes self, spouse and two dependent children between the age of 6 months and 18 yrs or upto 23 yrs if studying in an accredited institution of higher learning and is unmarried) The Coverage can be renewed till age of 50 Years

Travel Insurance TATA AIG travel insurance, TATA AIG Travel guard insurance, TATA AIG Overseas Travel Insurance
TATA AIG overseas travel insurance program covers the insured from any unforeseen emergency while traveling abroad or within India. TATA AIG travel insurance is ideal for travelers going to the USA, Canada or Europe. TATA AIG travel insurance satisfies the Schengen visa insurance requirements as mandated by Schengen state consulates. AIG, the largest travel insurance company in the world delivers "the promise" to the customers. Tata AIG has access to AIG expertise - so you get the services of a multilingual team familiar with local conditions and systems. Tata AIG travel product sets benchmarks on service excellence, worldwide coverage and value for money not forgetting ease of purchase and quick claims settlement.

Tata AIG Travel Insurance Plans, Travel insurance products from TATA AIG

Following are some of the TATA AIG travel insurance products. Get free quotes of these TATA AIG travel insurance products by clicking on the specified button. There is no extra charge for any of the online purchase facility available for these travel insurance products.

TATA AIG Travel Guard Insurance

TATA AIG Asia Guard Insurance

Maximum Coverage - US$50,000, US$2,00,000, US$5,00,000. Available for the maximum of 180 days Coverage per sickness

Maximum Coverage - US$50,000, US$2,00,000. Covers all Asian Countries Covers exclunding Japan and Korea(s)

TATA AIG Annual MultiTrip Insurance

TATA AIG Domestic Guard Insurance

Maximum Coverage - US$2,50,000, US$5,00,000. Travel multiple times during the coverage period Each trip cannot exceed 30 or 45 days

Maximum Coverage - Rs. 50,000. Travel anywere within India Available for the maximum of 1 - 90 days

TATA AIG Senior Citizen Insurance

Maximum Coverage - US$50,000 Eligible Age limit 71-79 years Available for a Maximum of 180 days

Health Insurance
Tata AIG Life Health Protector is a unique health plan where you can choose from Critical Illness/Cancer Care Benefit, Accidental Death Benefit, Term Life Benefit and Total and Permanent Disability to suit your individual needs. This plan provides comprehensive health cover to the family by combining health and accident benefits in one policy. And, irrespective of your actual medical bill, you get a lumpsum benefit in addition to any claim that you may have made under other medical policies.

Features
A unique health policy with "Four in One" Health Benefits o Critical Illness (CI) or Cancer Care Benefit o Accidental Death Benefit (ADB) o Term Life Benefit o Total & Permanent Disability Benefit (TPD) o 5 year Guaranteed Renewal Health Plan Level premium for 5 years and may change at the time of renewal* Tax Benefit u/s 80C & 80D as per Income Tax Act, 1961