Group Multi Guard

Accidents are a fact of life. And they become more critical when your employees are involved. For this Tata AIG presents Group Multi Guard, which insures your employees at very affordable rates. Covering them for hospitalisation, disability, even death. So they know you will be there for them in good times and bad. A pre-underwritten product for smaller companies with 20-100 people

• Benefits

  Special Benefits on Group Multi Guard

  • 24 hour worldwide Accidental Death & Dismemberment coverage up to Rs. 500,000.
  • This coverage doubles to Rs.10 lakhs in case of Accidental Death or Dismemberment by Common Carrier like bus, train etc.
  • This coverage triples to Rs.15 lakhs in case of Accidental Death or Dismemberment by natural disaster (flood, landslide & volcanic eruption).
  • You are also covered for a maximum of Rs.5,000 per accident for medical expenses.
  • In case of Permanent Total Disability, where insured is no longer gainfully employed, the policy pays up to a maximum of Rs.500,000.
  • While traveling, in case death occurs outside 150 kms from home, the policy covers cost of repatriation of remains up to Rs.5,000.
  • If your employee is hospitalised due to an accident, the policy pays up to a maximum of Rs.1,000 a day, irrespective of the actual amount spent.


• So many Options. Which one to choose?

  Benefits	Level 1	Level 2	Level 3	Level 4
  AD&D 24 Hours	100000	200000	300000	500000
  AD&D Common Carrier	200000	400000	600000	1000000
  AD&D Natural Disaster	300000	600000	900000	1500000
  Accident Medical Expenses	Upto 2500	Upto 2500	Upto 2500	Upto 2500
  PTLU including PTD	Upto 100000	Upto 200000	Upto 300000	Upto 500000
  Accident Hospital CashPer day (max upto 30 days)	500	500	1000	1000
  Repatriation of remains	Upto 2500	Upto 2500	Upto 5000	Upto 5000
  Premium (inclusive of service tax)	314	418	735	997

  
  

  AD&D: Accidental Death & Dismemberment

  PTLU: Permanent Total Loss of Use

  PTD: Permanent Total Disability

  
  

  The amounts payable under AD coverages are non-cumulative in nature.



• Exclusions

  Across all our major products, the main exclusions to the policy include suicide, military service or operations, war, terrorism, illegal act, bacterial infections, disease, AIDS, dangerous sports etc.