by Tata AIG Accident Guard Covers accidental death and dismemberment Covers permanent total loss of use of limbs/ disability For family option: education allowance, repatriation of remains, modification allowance, double dismemberment for children, family transportation Income Guard Covers accidental death and accidental dismemberment Covers permanent total loss of use of limbs/ disability For family option: Tuition benefit, Home alteration and vehicle modification, repatriation of remains, family transportation benefit Secured Future Plan Covers accidental death Covers dismemberment and paralysis Secured Income Plan 10% Initial cash lump sum Remainder paid in instalments over 60 months Per day Hospital cash upto 5 days Permanent total loss of use of limbs/ disability Maharaksha Covers accidental death Covers fractures/dislocation/burns Covers hospital indemnity for accidents Covers loss of activities of daily living Benefits reduce for those 71 years and above Personal accident insurance can help you out when you need it most. Here are some reasons, why getting an accident plan is a good idea: Plugs any holes left open in your health insurance plan Covers accidents, which Mediclaim plans or health insurance may not cover Some plans cover your family along with yourself, decreasing need for family health insurance Supports you if youre physically impaired Even minor accidents are covered, saving you hospital expenses Supports your familys need if you are unable to provide for them