Tata AIG Life Hospi Cash Back

Anywhere – anytime health problem can hit to us. It gives a financial trouble on us or on our dependents. Now the medical costs are grown up. So health policy helps us at the time of any health problem. But buying a health insurance policy we are in trouble, what if nothing happen to us? All the money which I paid will go devastate. So here is a exclusive solution for you.

You will get cover up for hospitalization expenses, and at the same time your all paid premiums are money back even if you had many claims in Tata AIG Life Hospi Cash Back Policy.

Key Features:

Daily fixed amount paid on each day of hospitalization from 1^st day.
According your need you can choose Silver or Gold plan.
Without any medical test a 15 years medical coverage.
Annual limits or life time limits are not bushed if you had multiple claims.
Pre existing diseases covers after 24 months from the date of issuing.
Total premiums paid or total premiums paid + guaranteed addition of 10% of total premiums paid are returned back after the policy mature.
You will get higher of sum assured or total premiums paid in the case of sudden death during the policy.
If you had many claims, death benefit and maturity benefits are payable.
Pays in addition to your existing insurance cover.
Tax benefit U/S 80C.

Eligibility:

Policy Term 15 Years.
Premium payment Term 15 years.
Minimum entry age 18 years.
Maximum entry age 55 years.
Premium mode Annually, Half yearly, Quarterly, Monthly.

Package Option and policy benefit:

Package	Silver	Gold
Daily Hospitalization Income Benefit	500	1000
Coverage (number of days/year)	15	30
Life Time (Maximum Days)	90	180

Surrender Value

An amount equal to the refund percentage of Total premiums paid till date of surrender for that particular year would be paid back, in case the policy is surrender after 3 annual premiums are paid.

Policy Anniversary	Refund Percentage
1	0
2	0
3	40
4	43
5	46
6	50
7	54
8	58
9	63
10	68
11	73
12	79
13	85
14	92
15	100

Guaranteed Surrender Value:

You can surrender your plan after three years premiums have been paid in full. In this case the minimum guaranteed surrender value that you are entitled to is 30% of the total premiums paid excluding the premiums for the first policy year.

What is not covered in Tata Aig Life Hospi Cash Back

Pre existing disease till 24 months from the date of issuing.
If insured was diagnosed by AIDS and HIV.
Injury in war declared or non declared and revolution.
Attempt any injury by self (Self injury).
If insured is under the alcohol or any non prescribed drugs.
Related to pregnancy and child birth disease.
Any congenital defeat or abnormality which has manifested or was diagnosed before the insure attains 17 years of age.
Cost of hearing aids and lenses.
Mental disorder treatment of psychological, emotional, mental or behavioral condition or sleep disturbance order.
Cosmetic or plastic surgery for beauty purpose, weight control program and treatment of any optional nature.
Dental care or surgery unless necessitated by the injury.
Special nursing care and routine check up.
Speech therapy, diabetic class, nutritional counseling or group support treatment, treatment for smoking.
Any treatment other than allopathic or western medicine.

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Tags: Health Insurance Policy, Insurance, TATA AIG LIFE