
Tata Aig Protect Plan
Tata AIG
Highlighted Features

Room Rent & ICU Covered Up to Sum Insured
Full financial coverage for hospital stays, minimizing medical expenses.

Day Care Treatments Covered
Includes chemotherapy, dialysis, and cataract surgery, making advanced medical procedures affordable without requiring long hospital stays.
Brochure
Policy Wording
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Our Verdict
The Tata AIG Group EMI Protect Policy offers critical illness and accident coverage, ensuring EMIs are paid during medical emergencies. Ideal for employees seeking financial security against health-related disruptions in work.
About the Plan
The Tata AIG Group EMI Protect Policy safeguards individuals by covering EMIs if they are unable to work due to accidents or critical illnesses. It includes worldwide in-patient hospitalization, accidental hospitalization benefits, and critical illness coverage. This plan is typically offered through employers, with premiums deducted from salaries. Additionally, the Loan Protect Plan (Comprehensive) ensures EMIs are paid during medical emergencies. For exact coverage, exclusions, and claims, refer to Tata AIG’s official policy documents or consult their representatives.
About the Plan
Features of the Product
Room Rent (Normal & ICU)
Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured
Waiting Periods
Pre-existing diseases (PEDs): Any illness that existed before buying the policy is covered only after a waiting period of 36 months.
Specific diseases & treatments: Certain medical conditions like hernia, cataracts, gallstones, or knee replacement surgery have a 24-month waiting period.
Initial waiting period: A 30-day waiting period applies for non-accident-related hospitalizations.
Cashless Healthcare Providers
10,000 cashless healthcare providers across India.
Day Care Treatments
Daycare treatments that require less than 24 hours of hospitalization are covered.
AYUSH Treatment
The policy covers alternative treatments under AYUSH.
Exclusions
Pre-existing diseases are not covered until after a 36-month waiting period.
Injuries resulting from suicide attempts or self-inflicted harm are excluded.
Claims arising due to war, civil war, invasion, or acts of terrorism are not covered.
Any medical condition caused by drug or alcohol consumption is excluded.
Hazardous sports activities like skydiving, scuba diving, motor racing, or mountaineering are not covered.
Cosmetic or plastic surgery expenses are excluded unless required due to accidental injury.
Maternity-related expenses, including pregnancy, childbirth, IVF, and sterilization, are not covered.
Unproven or experimental treatments that are not scientifically recognized or approved are excluded.
Exclusions
Personal Accident Cover - Provides financial assistance in case of accidental death or permanent disability, ensuring EMI coverage continues.
Critical Illness Benefit - Offers coverage for major illnesses like cancer, stroke, kidney failure, and heart attacks with lump-sum payouts.
Daily Hospital Cash - Provides a fixed amount per day of hospitalization to cover incidental expenses.
Accidental Hospitalization Benefit - Pays for medical expenses in case of accidents requiring hospitalization.
Add-ons
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About the Company
Tata AIG General Insurance Company Limited is a prominent insurance provider in India, established as a joint venture between the Tata Group and the American International Group (AIG).The company offers a diverse range of general insurance products, including motor, health, travel, and home insurance, catering to both individual and business needs. With a mission to create better tomorrows for customers, Tata AIG focuses on providing trustworthy and innovative risk solutions, backed by professional expertise and exceptional service capabilities
Amit Ganorkar is the CEO and MD of Tata AIG General Insurance. With over 20 years of experience in the insurance sector, he focuses on customer-centric solutions and digital transformation strategies.