IPPB Group Accident Gaurd Policy (GAG) Product Key Features. IPPB GAG Policy Brochure, Pamphlet,Leaflet. Download IPPB GAG (Group Accident Gaurd) Policy in PDF. IPPB & TATA AIG providing the accidental policy to IPPB Customers.
Download IPPB GAG Policy in PDF
IPPB TaTa AIG Group Accident Gaurd Policy Features are as follows:
1. Entry Age: 18 years - 65 Years
2. Policy Tenure: One Year
3. Offered to : IPPB Customers
Key Features of IPPB TATA AIG Group Accident Gaurd Policy are:
•It covers Death occurs due to Accident within 365 days of the accident date.
•Coverage limit is 100% of Sum Insured.
Accidental Dismemberment and Paralysis
•It covers Dismemberment which is permanent in nature & occurs within 365 days of the accident Date.
•Paralysis is the loss of the ability to move (and sometimes to feel anything) in part or most of the body, as a result of an Injury
Education Benefit:
•Entire sum insured is payable in case of accidental death / permanent total disability
•Benefit payable for eligible child who is full time student in any Institution
Permanent Total Disability:
•It covers Total Disability which is permanent in nature & occurs within 365 days of the accident Date.
•Coverage limit is 100% of Sum Insured.
Accidental Medical Expenses IPD:
•It Covers hospitalization expenses due to accident for period more than 24 hours.
In Hospital Daily Cash
•Provides per day benefit for the period of Hospitalization due to Accident
Family Transportation Benefits
Expenses incurred by any immediate family member of the insured on making travel arrangements to meet the insured person who is hospitalized and situated more than150 kilo meters from his residence.
Permanent Partial Disability
•It covers Partial Disability which is permanent in nature & occurs within 365 days of the accident Date.
•Coverage limit is as per % specified in policy document.
Accidental Medical Expenses OPD
•It covers Out Patient expenses due to accident in which the Insured Person visits a clinic/ hospital or associated facility like a consultation room for diagnosis and treatment based on the advice of a Medical Practitioner
Last Rites Benefit
•If we have accepted a claim under Accidental Death benefit (B1), then we will in addition pay fixed amount towards funeral expenses
Exclusions of IPPB GAG Policy are:
This entire Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, in respect of:
1. Adventure Sports
2.Terrorism
3. Any Pre-existing Condition
4. The attending Physician who will be
(a) Insured Person himself / herself or
(b) Close Member of the Family who is covered in this Policy.
5. Suicide
6. Mosquito bites
7. being under the influence of drugs, alcohol, or other intoxicants
8. Participation in an actual or attempted felony, riot, crime, misdemeanor
9. member of the crew on any aircraft or Scheduled Aircraft
10. Radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment
11. Confinement in a Hospital which is not Medically Necessary
12. Any Loss resulting prolonged by childbirth or from pregnancy
13. Ionising radiation
14. War or any act of war, invasion, act of foreign enemy
15. Any loss caused by osteoporosis
16. Customer associated with Army, Navy, Air Force and any branch of police force,
17. Lorry drivers, School Bus Drivers,
18. Association with any kind of mining activity.
