{"uin":"TATPAGP24050V012324","name":"Tata AIG Antyodaya Shramik Suraksha Yojana","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Tata AIG Antyodaya Shramik Suraksha Yojana is a benefit personal accident policy for labourers/workmen registered in the E-shram Portal and account holders of India Post Payment Bank Ltd. Base covers can include accidental death, accidental dismemberment, permanent total disability and permanent partial disability, with optional add-on covers for accidental medical expenses, prolonged hospitalisation, funeral expenses, repatriation of mortal remains, coma and education benefit.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:52:06.299236+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list coverages, not named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The wording points to the Policy Schedule for the Policy Period and Cover Period dates, but does not print a fixed policy term.","quote":null,"sources":[],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Notice of claim must be given within seven (7) days after an actual or potential loss begins, or as soon as reasonably possible, and in any event no later than one (1) month after the loss begins.","display":"Within 7 days after loss begins, or as soon as reasonably possible; no later than 1 month","note":null,"quote":"notice of Claim must be given by the Insured Person to The Company within seven (7) Days after an actual or potential loss begins or as soon as reasonably possible and in any event no later than One (1) month after an actual or potential loss begins.","sources":[{"clause":null,"heading":"A. Claim Notification","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-a-claim-notification"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim form with Attending Doctor’s report","Copy of Death Certificate","Copy of Post Mortem report","Copy of First Information Report and Panchanama, if filed and available","Copy of Disability Certificate from the Competent Authorized Doctor or Civil Surgeon / physician showing the percentage (%) of disability","Copy of Admission/ discharge card with complete medical records including Investigation/ Lab reports (X-Ray, MRI etc.)","Copy of first consultation papers, MLC, IPD papers, Admission/ discharge card with complete medical records including Investigation/ Lab reports (X-Ray, MRI etc.)","Complete Photograph of insured showing disabled / dismembered body part. . Any complete photograph of insured prior to Policy Inception.","Original CKYC form with attested copy of KYC documents and Cancelled cheque with Latest Passport size photograph.","Other appropriate Documents based on the Claim details"],"display":"Claim form with attending doctor’s report; death or disability certificate; post mortem report; FIR/Panchanama; medical records and investigation reports; consultation papers/MLC/IPD papers; photographs for disability/dismemberment; CKYC/KYC and cancelled cheque; other documents based on claim details","note":"Documents differ by claim type.","quote":"1. Claim form with Attending Doctor’s | Dismemberment / Permanent Partial Disability 1.\nreport. | Claim form with Attending Doctor’s report.\n2. Copy of Death Certificate | 2. Copy of Disability Certificate from the\n3. Copy of Post Mortem report | Competent Authorized Doctor or Civil\n4. Copy of First Information Report and | Surgeon / physician showing the\nPanchanama, if filed and | percentage (%) of disability ... Copy of Admission/ discharge card with complete medical records including Investigation/ Lab reports (X-Ray, MRI etc.), if admitted. ... Original CKYC form with attested copy\nof KYC documents and Cancelled cheque with Latest Passport size photograph. ... Copy of first consultation papers, MLC, IPD papers, Admission/ discharge card with complete medical records including Investigation/ Lab reports (X-Ray, MRI etc.)\n8. Complete Photograph of insured showing disabled / dismembered body part. . Any complete photograph of insured prior to Policy Inception.\n9. Original CKYC form with attested copy of KYC documents and Cancelled cheque with Latest Passport size photograph.\nOther appropriate Documents based on the Claim details","sources":[{"clause":null,"heading":"B. Claim Documentation","page":12,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-b-claim-documentation"},{"clause":"7","heading":"Copy of Admission/ discharge card","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-7"},{"clause":"10","heading":"Original CKYC form with attested copy","page":13,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"An admitted claim is paid within 15 days after submission of all necessary documents and information. If investigation is needed, the investigation must be completed within 30 days from receipt of the last necessary document, and the claim must be settled or rejected within 45 days from receipt of the last necessary document.","display":"Admitted claim: within 15 days of all necessary documents; investigated claim: investigation within 30 days and settle/reject within 45 days from last necessary document","note":"Delay beyond the stipulated period carries interest at 2% above the bank rate.","quote":"The Company shall make the payment of Claim that has been admitted as payable by The Company under the Policy within 15 days of submission of all necessary documents and information and any other additional information required for the settlement of the Claim. ... where the circumstances of a Claim warrant an investigation in the opinion of The Company , it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document- ln such cases, The Company shall settle or reject the Claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":null,"heading":"F. Claims Payment","page":14,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-f-claims-payment"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any Injury that has occurred prior to the commencement of Policy of Cover whether or not the same has been treated, or medical advice, diagnosis, care or treatment has been sought.","Any Injury or disability arising out of a Pre- Existing Disease or any complication arising therefrom.","Dental treatment or surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization.","suicide or attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness","being under the influence of intoxicating liquor or drugs or other intoxicants","Any natural death not limited to sickness, Illness, disease and any claim arising out of any Illness, complication or ailment not arising out of Injury(as defined in the Policy)","Mosquito bite, insect bite and resultant diseases are excluded under the Policy","Any loss resulting contributed or aggravated or prolonged by childbirth or from pregnancy.","Investigation & Evaluation- Code- Excl 04","any loss, damage cost or expense of whatsoever nature caused by, resulting from or in connection with any Act of Terrorism","Participation in Naval, military or any air force operation","War or any act of war, invasion, act of foreign enemy, civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons / materials, chemical and biological weapons, ionising radiation or contamination by radioactivity","Death, Injury or Disablement of the Insured Person directly involved in underground mines, explosives magazines , hydro or thermal power projects"],"display":"Pre-policy injury; pre-existing disease; dental except accidental injury to natural teeth with hospitalisation; suicide/self-inflicted injury; intoxication; natural death or illness; mosquito/insect bite diseases; childbirth/pregnancy; Excl 04 investigation and evaluation; terrorism; naval/military/air force operation; war/nuclear/chemical/biological/radiation; underground mines/explosives magazines/hydro or thermal power projects","note":null,"quote":"1. Any Injury that has occurred prior to the commencement of Policy of Cover whether or not the same has been treated, or medical advice, diagnosis, care or treatment has been sought.\n2. Any Injury or disability arising out of a Pre- Existing Disease or any complication arising therefrom.\n3. Dental treatment or surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization. ... a) suicide or attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness ;\n5. being under the influence of intoxicating liquor or drugs or other intoxicants\n6. Any natural death not limited to sickness, Illness, disease and any claim arising out of any Illness, complication or ailment not arising out of Injury(as defined in the Policy) ... 9. Mosquito bite, insect bite and resultant diseases are excluded under the Policy\n10. Any loss resulting contributed or aggravated or prolonged by childbirth or from pregnancy. ... 12. Investigation & Evaluation- Code- Excl 04:- Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded even if the same requires confinement at a Hospital. ... 13. any loss, damage cost or expense of whatsoever nature caused by, resulting from or in connection with any Act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss;\n14. Participation in ... a) Naval, military or any air force operation ... 15. War or any act of war, invasion, act of foreign enemy, civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons / materials, chemical and biological weapons, ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel\n16. Radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment;\n17. Death, Injury or Disablement of the Insured Person directly involved in underground mines, explosives magazines , hydro or thermal power projects","sources":[{"clause":"4(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-i"},{"clause":"4(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-a"},{"clause":"4(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-a-2"},{"clause":"4(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-e"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, the insured person may contact Tata AIG through the website, helplines, customer support email, written address, servicing branch or branch grievance cell, and may check the website for Nodal Officer details. If the response is lacking or unsatisfactory, escalation is to manager.customersupport@tataaig.com and then to the Head - Customer Services before approaching the Insurance Ombudsman.","display":"First contact Tata AIG customer support/branch grievance cell/Nodal Officer; escalate to manager.customersupport@tataaig.com, then Head - Customer Services; Ombudsman after 30 days if no satisfactory response","note":null,"quote":"In case of any grievance the Insured Person may contact through:\nWebsite: www.tataaig.com Call us 24X7 toll free helpline 1800 266 7780 or 1800 22 9966 (Senior Citizen) Email us at customersupport@tataaig.com Write to us at: Customer Support, Tata AIG General Insurance Company Limited 7th and 8th Floor, Romell Tech Park, Cama Industrial Estate, Western Express Highway, Goregaon(E), Mumbai, Maharashtra 400063 Visit the Servicing Branch mentioned in the policy document The Insured Person may also approach the grievance cell at any of The Company ’s branches with details of grievance.\nNodal Officer : Please visit our website at www.tataaig.com to know the contact details of the Nodal Officer for your servicing branch. ... Escalation Level 1 For lack of a response or if the resolution still does not meet your expectations, you can write to manager.customersupport@tataaig.com. ... Escalation Level 2 For lack of a response or if the resolution still does not meet your expectations, you can write to the Head - Customer Services at head.customerservices@tataaig.com ... Within 30 days of lodging a complaint with us, if you do not get a satisfactory response from us and you wish to pursue other avenues for redressal of grievances, you may approach Insurance Ombudsman appointed by IRDA under the Insurance Ombudsman Scheme.","sources":[{"clause":null,"heading":"Redressal of Grievance","page":15,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The wording says the Sum Insured is shown in the Policy Schedule / Certificate of Insurance, but does not print selectable cover amounts.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-applicable","value":null,"display":null,"note":"This is a personal accident benefit policy, not an illness indemnity policy, so an initial illness waiting period cannot apply to the base cover.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"The policy excludes injury or disability arising out of a pre-existing disease rather than covering it after a waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-applicable","value":null,"display":null,"note":"This personal accident benefit policy does not cover named illnesses and procedures after a disease-specific waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-applicable","value":null,"display":null,"note":"There is no specific illness waiting-period list because the base policy covers accident benefits, not illness/procedure treatment after waiting periods.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"not-stated","value":null,"display":null,"note":"The wording mentions migration on product withdrawal, but does not state portability to another insurer.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"Renewal is stated only with the Company's consent; no lifelong renewal right or maximum renewal age is printed.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":"The renewal clause says premium rate may change, but does not state claim-based premium loading.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["Any Injury that has occurred prior to the commencement of Policy of Cover whether or not the same has been treated, or medical advice, diagnosis, care or treatment has been sought.","Any Injury or disability arising out of a Pre- Existing Disease or any complication arising therefrom.","Dental treatment or surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization.","suicide or attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness","being under the influence of intoxicating liquor or drugs or other intoxicants","Any natural death not limited to sickness, Illness, disease and any claim arising out of any Illness, complication or ailment not arising out of Injury(as defined in the Policy)","Mosquito bite, insect bite and resultant diseases are excluded under the Policy","Investigation & Evaluation- Code- Excl 04:- Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded","any loss, damage cost or expense of whatsoever nature caused by, resulting from or in connection with any Act of Terrorism","Hazardous activity.","professional or Adventure sports without expert supervision of trained professional","War or any act of war, invasion, act of foreign enemy, civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons / materials, chemical and biological weapons, ionising radiation or contamination by radioactivity","Death, Injury or Disablement of the Insured Person directly involved in underground mines, explosives magazines , hydro or thermal power projects"],"display":"Prior injury; pre-existing disease; dental except accidental injury to natural teeth with hospitalisation; suicide/self-inflicted injury; intoxication; natural death or illness; mosquito/insect bite diseases; Excl 04 investigation and evaluation; terrorism; hazardous activity; professional/adventure sports without expert supervision; war/nuclear/chemical/biological/radiation; underground mines/explosives magazines/hydro or thermal power projects","note":null,"quote":"1. Any Injury that has occurred prior to the commencement of Policy of Cover whether or not the same has been treated, or medical advice, diagnosis, care or treatment has been sought.\n2. Any Injury or disability arising out of a Pre- Existing Disease or any complication arising therefrom.\n3. Dental treatment or surgery of any kind unless as a result of Accidental Bodily Injury to natural teeth and also requiring hospitalization. ... a) suicide or attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness ;\n5. being under the influence of intoxicating liquor or drugs or other intoxicants\n6. Any natural death not limited to sickness, Illness, disease and any claim arising out of any Illness, complication or ailment not arising out of Injury(as defined in the Policy) ... 9. Mosquito bite, insect bite and resultant diseases are excluded under the Policy ... 12. Investigation & Evaluation- Code- Excl 04:- Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded even if the same requires confinement at a Hospital. ... 13. any loss, damage cost or expense of whatsoever nature caused by, resulting from or in connection with any Act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss; ... b) Hazardous activity. ... c) professional or Adventure sports without expert supervision of trained professional ... 15. War or any act of war, invasion, act of foreign enemy, civil war, public defence, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons / materials, chemical and biological weapons, ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel\n16. Radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment;\n17. Death, Injury or Disablement of the Insured Person directly involved in underground mines, explosives magazines , hydro or thermal power projects","sources":[{"clause":"4(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-i"},{"clause":"4(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-a"},{"clause":"4(b)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-b"},{"clause":"4(c)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-c"},{"clause":"4(e)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-e"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder/insured may terminate by giving 7 days written notice. If no claim has been made, the insurer refunds proportionate premium for the unexpired Policy/Cover period; no refund is made where any claim has been admitted or lodged, and no refund is given for termination for misrepresentation, established fraud or non-disclosure of material facts.","display":"7 days written notice; proportionate refund for unexpired period if no claim; no refund if a claim is admitted/lodged or for misrepresentation, established fraud or non-disclosure","note":null,"quote":"Policy Holder / Insured Person may terminate this Policy Schedule / Certificate of Insurance at any time by giving The Company 7 days written notice, and the Policy Schedule /Certificate of Insurance shall terminate when such written notice is received. ... If no Claim has been made under the Policy/Certificate of Insurance, then We will refund proportionate premium for the unexpired Policy/Cover period\nNotwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of the Insured Person where any Claim has been admitted by The Company or has been lodged with The Company . ... In the event of termination of this Policy/Certificate of insurance on grounds of misrepresentation, established fraud, non-disclosure of material facts, the Policy shall stand cancelled abinitio and there will be no refund of premium.","sources":[{"clause":"4(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-ii"},{"clause":"4(I)(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-i-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"not-stated","value":null,"display":null,"note":"The documents do not state a geographic area of cover.","quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Available if no claim is made during the policy review period; refund is subject to medical examination and stamp duty charges, or proportionate risk/coverage premium where risk or part coverage has commenced.","quote":"The Insured Person shall be allowed policy review period of thirty (30) days from date of receipt of the policy document, whether received electronically or otherwise, to review the terms and conditions of the policy, and to return the same if not acceptable. lf the Insured Person has not made any Claim during the policy review period, the Insured Person shall be entitled to ... a refund of the premium paid less any expenses incurred by the Company on medical examination of the Insured Person and the stamp duty charges or ... where the risk has already commenced and the option of return of the policy is exercised by the Insured Person, a deduction towards the proportionate risk premium for period of cover or ... Where only a part of the insurance Coverage has commenced, such proportionate premium commensurate with the insurance Coverage during such period;","sources":[{"clause":null,"heading":"N. Policy Review period","page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-n-policy-review-period"},{"clause":"4(I)(b)(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-i-b-i"},{"clause":"4(I)(b)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-i-b-ii"},{"clause":"4(I)(b)(iii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-4-i-b-iii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The documents define the insured person as a labourer/workman registered in the E-shram Portal and an India Post Payment Bank account holder, but do not print youngest and oldest entry ages.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["B5. ACCIDENTAL MEDICAL EXPENSES","B6. PROLONGED HOSPITALISATION BENEFIT","B7. FUNERAL EXPENSES","B8. REPATRIATION OF MORTAL REMAINS","B9. COMA","B10. EDUCATION BENEFIT"],"display":"Accidental Medical Expenses; Prolonged Hospitalisation Benefit; Funeral Expenses; Repatriation of Mortal Remains; Coma; Education Benefit","note":"Add-on covers are available only if specifically mentioned in the Policy Schedule / Certificate of Insurance.","quote":"Tata AIG - Antyodaya Shramik Suraksha Yojana – Optional Add on Cover can only be opted along with the base covers under the Policy and cannot be opted in isolation or as a separate product. The Add-on covers are provided on payment of additional premium and subject to the terms and conditions and exclusions as stated in addition to the Policy Terms and Conditions and Exclusions. These Add-on Covers shall be available only if the same are specifically mentioned in the Policy Schedule / Certificate of Insurance. ... B5. ACCIDENTAL MEDICAL EXPENSES ... B6. PROLONGED HOSPITALISATION BENEFIT ... B7. FUNERAL EXPENSES ... B8. REPATRIATION OF MORTAL REMAINS ... B9. COMA ... B10. EDUCATION BENEFIT","sources":[{"clause":null,"heading":"TATA AIG - ANTYODAYA SHRAMIK SURAKSHA YOJANA OPTIONAL ADD ON COVERS","page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-tata-aig-antyodaya-shramik-suraksha-yojana-optio"},{"clause":null,"heading":"B5. ACCIDENTAL MEDICAL EXPENSES","page":23,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-b5-accidental-medical-expenses"},{"clause":null,"heading":"B6. PROLONGED HOSPITALISATION BENEFIT","page":25,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-b6-prolonged-hospitalisation-benefit"},{"clause":null,"heading":"B7. FUNERAL EXPENSES","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-b7-funeral-expenses"},{"clause":null,"heading":"B8. REPATRIATION OF MORTAL REMAINS","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-b8-repatriation-of-mortal-remains"},{"clause":null,"heading":"B9. COMA","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-b9-coma"},{"clause":null,"heading":"B10. EDUCATION BENEFIT","page":27,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920#c-b10-education-benefit"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"not-stated","value":null,"display":null,"note":"The documents do not state a grace period or whether claims during a grace period are paid.","quote":null,"sources":[],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"Tata AIG Antyodaya Shramik Suraksha Yojana(TATPAGP24050V012324)","pages":27,"fetched_at":"2026-10-17 20:09:35+00","source_url":"https://www.tataaig.com/s3/antyodaya_shramik_suraksha_yojana_a4b3c3b897.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16920"},{"kind":"cis","label":"Tata AIG Antyodaya Shramik Suraksha Yojana(TATPAGP24050V012324)","pages":8,"fetched_at":"2026-10-17 20:09:32+00","source_url":"https://www.tataaig.com/s3/antyodaya_shramik_suraksha_yojana_cis_2fddca46ea.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324/document/16917"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Tata AIG Antyodaya Shramik Suraksha Yojana (UIN TATPAGP24050V012324), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/tata-aig-antyodaya-shramik-suraksha-yojana-tatpagp24050v012324"}