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TATA AIG Corporate Travel Insurance

Every business trip is an investment for any company. You need to have your employee at your customers place, understanding their processes, finding solutions and then implementing them together. What are the perils to this investment? How about lost baggage (and passports), personal accidents, even a hospital stay in a strange land? How about an employee who needs to be replaced due to an illness or missing a meeting because your trip got delayed? Tata AIG has travel insurance to guard against these perils - the market's best known corporate travel policy "Business Travel Accident".

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Our worldwide associate "AIG Assist" covers more than a million travelers each year traveling to North & South America. This is an AIG owned company and has the largest network of hospitals in the Americas - this ensures your employees get immediate medical attention at the closest possible hospital. "International SOS" which manages the Rest of the world is the largest medical administrator and has the services of a multilingual team familiar with local conditions and systems. Of course, every Tata AIG travel product sets benchmarks on service excellence, worldwide coverage and value for money.

TATA AIG Corporate Travel Insurance Products

  • Business Travel Accident
  • Small Business Travel Accident

Business Travel Accident

Business Travel Accident is designed for companies where numerous employees make overseas trips, each trip lasting for not more than 6 months. The employees get covered for Accident & Sickness Medical Expenses, Medical Evacuation, Baggage Loss or Delay, even Loss of Passport and a host of other relevant benefits. This is backed up by effective claims and assistance services across the world by two of the most proficient Assistance companies - AIG Assist and International SOS.

Business Travel Accident - Features

Why BTA?
  • BTA's premium rates are per day, per person - so you pay only for what you use - this saves premium
  • The policy issuance is Internet based and convenient both for issuing policies and MIS
  • Travel days can be replenished on payment of additional premium - and monthly reconciliation to ensure accuracy of your billing.
  • Toll Free facilities in Americas, UK, Japan for immediate medical assistance

How it works?
Each BTA policy is for an entire year. During this year, all single overseas trips (not exceeding 180 days) made by each and any employee is covered. The travel days and premium are adjusted according to actual number of days used.

Cover Includes
Benefits Silver Gold Platinum
Accident & Sickness Medical Expenses Reimbursement, incl Accident Dental exp 50,000 250,000 500,000
Dental limit $300 per Occurance and $100 per Teeth(Deductible) 50 50 50
Assitance Services Included Included Included
Emergency Evacuation Included Included Included
Repatriation of Remains Included Included Included
Hijack Benefit Included Included Included
For $ 30 per day and max of $ 300 (Deductible) 1 day 1 day 1 day
Personal Liability 500000 500000 500000
Deductible 200 200 200
Hospitilization Benefit 500 500 500
AD&D 24 Hours -During Business Trip 10000 15000 25000
AD&D Common Carrier 10000 15000 25000
Baggage Loss (Checked) 1500 1500 1500
Baggage Delay (After 12 hours only) 150 150 150
Loss of Passport 250 250 250
Deductible 30 30 30
Trip Delay Maximum 500 500 500
  - for every 8 hours 10 10 10
Replacement & Rearrangement of staff 5000 5000 5000

* Included under the benefit limits of Accident & Sickness Medical Expenses Reimbursements
* For Accidental Death & Dismemberment while travelling by a common carrier, this benefit get to AD&D 24 hours benefit

Small Business Travel Accident

Small business, Big cover.
Tata AIG's Business Travel Guard is perfect for corporates where five or more employees frequently travel overseas. A single plan covers a minimum of five employees for multiple trips, as long as a trip is no more than 90 days each.

Features
  • 24 hour protection while on business trip
  • A single plan can insure minimum 5 employees
  • Minimum administrative burdens and cost saving to you
  • Choice of 3 attractive covers
  • Option to choose different insurance plans for employees and different AD&D coverage limits
  • No trip declaration
  • No medical examination
  • Direct settlement for in-hospital medical expenses
  • Covers valid for multiple trips
  • Fixed Premium payable once annually
  • Pro-rata premium payable to bring new employees and older, non Tata Aig covers on par

Options
Business Travel Guard has three plans - Silver, Gold and Platinum. Which one you choose depends on how much cover you want.
  • Business Travel Guard Silver offers basic coverage of US $50,000 plus additional covers for Personal Liability of US $100,000, loss of baggage (checked) up to $500 and an additional $50 if your baggage is delayed by more than 12 hours. Further, it also covers accidental death and dismemberment up to $5,000 if this happens while traveling by a common carrier.
  • Business Travel Guard Gold offers basic coverage of US $100,000 plus additional covers for Personal Liability of US $200,000, loss of baggage (checked) up to $1000 and an additional $100 if your baggage is delayed by more than 12 hours. Further, it also covers accidental death and dismemberment up to $15,000 and a further coverage up to $10,000 if this happens while traveling by a common carrier.
  • Business Travel Guard Platinum offers basic coverage of US $200,000 plus additional covers for Personal Liability of US $500,000, loss of baggage (checked) up to $1500 and an additional $150 if your baggage is delayed by more than 12 hours. Further, it also covers accidental death and dismemberment up to $25,000 and a further coverage up to $25,000 if this happens while traveling by a common carrier.

Cover Includes
Benefits Silver Gold Platinum
Hospitalization & Personal Liability
Assitance Services Included Included Included
Accident & Sickness Medical Expenses Reimbursement 50,000 100,000 200,000
Deductible 100 100 100
Emergency Evacuation* Included Included Included
Repatriation of Remains* Included Included Included
Personal Liability 1000,000 200,000 500,000
Deductible 200 200 200
In-hospital Indemnity 0 Max. 200 / 20 per day Max. 500 / 50 per day
Accidental Death & Dismemberment
AD&D 24 Hours - Insured Journey 0 15000 25000
AD&D Common Carrier** 5000 10000 25000
Travel Inconvenience
Baggage Loss (Checked) 500 1000 1500
Baggage Delay (After 12 hours only) 50 100 250
Loss of Passport 250 250 250
Deductible 30 30 30
Maximum 0 250 500
for every 8 hours 0 10 10
Replacement & Rearrangement of staff 1000 2500 5000
* Included under the benefit limits of Accident & Sickness Medical Expenses Reimbursements
* For Accidental Death & Dismemberment while travelling by a common carrier, this benefit get to AD&D 24 hours benefit

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