TATA AIG Multitrip Corporate Travel Insurance for Business Travelers

What are the coverage options under TATA AIG’s Annual MultiTrip plan insurance?

• Coverage and benefits offered by Annual Multi Trip insurance policy

  Annual Multitrip Gold $250,000	Annual Multitrip Platinum $500,000
  Accident and Sickness Medical Expenses Reimbursement (Deductible $100)help
  $250,000	$500,000
  Accidental Death and Dismemberment Benefit(24 Hrs)help
  $15,000	$25,000
  Accidental Death and Dismemberment (Common Carrier)help
  $5,000	$5,000
  Emergency Sickness Dental Expensehelp
  $500	$1,000
  Emergency MedicalEvacuationhelp
  Included under the benefit limit of accident & Sickness medical expense reimbursement	Included under the benefit limit of accident & Sickness medical expense reimbursement
  Repatriation of Remainshelp
  Included under the benefit limit of accident & Sickness medical expense reimbursement	Included under the benefit limit of accident & Sickness medical expense reimbursement
  Baggage Delay Benefit(After first 12 hrs)help
  $100	$200
  Checked Baggage Loss Benefithelp
  $1,000	$1,000
  Loss of Passport (Deductible $30)help
  $250	$250
  Personal Liability(Deductible $200)help
  $200,000	$200,000
  Hijack(Deductible $100)help
  Included	Included
  Automatic extension of policy upto 7 dayshelp
  Available	Available
  Emergency Cash Advancehelp
  $1,000	$1,500
  Fraudulent Charges (Payment Card Security)
  $1,000	$2,000
  Home Burglary (In Rs.)
  Rs.200,000	Rs.200,000
  Trip Cancellation
  $750 (Deductible 75)	$1,000 (Deductible 100)
  Trip Curtailment
  $750 (Deductible 75)	$1,000 (Deductible 100)
  Missed Connection/Missed Departure
  $750 (Deductible 75)	$1,000 (Deductible 100)
  Bounced Hotel /Airline booking
  $750 (Deductible 75)	$1,000 (Deductible 100)

• TATA AIG Annual Multi-trip Premium Chart - With Sublimits

  Note: Premium in Indian Rupees. Plans are available only upto the age of 70 years. The premiums shown below for above 70 years is only for Renewals

  Plan Name	Gold
  Age Band
  19 - 40 years	41 - 60 years	61 - 70 years	71 - 79 years (only for RENEWALS)	> 80 years (only for RENEWALS)
  30 days duration
  3,764	4,597	9,086	13,085	15,356
  45 days duration
  4,164	4,785	14,511	20,896	24,523

  Plan Name	Platinum
  Age Band
  19 - 40 years	41 - 60 years	61 - 70 years	71 - 79 years (only for RENEWALS)	> 80 years (only for RENEWALS)
  30 days duration
  4,152	5,768	10,514	17,665	26,918
  45 days duration
  4,733	5,866	16,965	27,143	56,459

• TATA AIG Annual Multi-trip Premium Chart - Without Sublimits

  Note: Premium in Indian Rupees
  Plans are available only upto the age of 70 years. The premiums shown below for above 70 years is only for RENEWALS

  Plan Name	Gold
  Age Band
  56 - 60 years	61 - 70 years	71 - 79 years (only for RENEWALS)	> 80 years (only for RENEWALS)
  30 days duration
  11,493	22,717	32,712	38,392
  45 days duration
  11,962	36,277	52,239	61,308

• Features of Tata AIG Travel Insurance

  • Coverage of Medical Expenses Travel Guard takes care of your medical expenses due to Accident and Sickness while traveling so that you can concentrate on enjoying the holiday without any stress.
  • Checked Baggage Loss Compensation for the loss of checked in baggage in the custody of the common carrier.
  • Baggage delay Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.
  • Loss of Passport Compensation for expenses incurred directly in obtaining a duplicate or new passport abroad.
  • Personal Liability Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.
  • Hijacking In an unfortunate event of your common carrier in which you are travelling; being hijacked, this product will pay a distress allowance to you.
  • In-hospital Indemnity The Policy pays a Daily benefit for each day you are an inpatient in a hospital due to injury or sickness.
  • Trip Delay Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).
  • Automatic-extension of the policy Travel Guard allows you to extend your policy upto a period of 7 days from the policy expiry date in the unfortunate event of Delay by the scheduled airline, which is beyond the control of the insured.
  • Personal Accident Travel Guard gives you worldwide coverage against Accidental Death and Dismemberment following an accident during your trip.
  • Sickness Dental Relief The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.
  • Other Benefits Tata AIG’s Plans also cover some other benefits like Trip Cancellation / Curtailment, Repatriation of Remain and Medical Evacuation, Bounced Hotel / Airline Booking and Missed Connection / Departure

  
  
  

• What are the Exclusions under Tata AIG’s Travel policies? Some of the key exclusions are listed below:

  • Pre-existing Condition or any complication arising from it (unless specifically covered under certain plans that are purchased by the insured)
  • Services, supplies, or treatment, including any period of Hospital confinement, which were not recommended or approved, and certified as Medically Necessary by a Physician
  • Routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or X-ray examinations except in the course of a disability established by the prior call or attendance of a Physician (an example could be a person visiting the hospital to check their blood pressure or their cholesterol levels, just for their information)
  • Elective, cosmetic, or plastic surgery, except as a result of an Injury caused by a covered Accident
  • Suicide, attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection
  • Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed
  • Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power, Terrorism
  • Congenital anomalies or any complications or conditions arising therefrom
  • Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or potentially dangerous sport for which You are untrained (please note that on our eIndiaInsurance website, we offer some insurance plans that cover Adventure sports…so if the insured is likely to participate in any of these activities, it’s best to buy a plan that covers Adventure Sports)
  • Pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to inability to conceive a child; birth control, including surgical procedures and devices
  Please note that this is not the complete list of exclusions. Please refer to the terms and conditions (policy wordings) that have been shared with the insured along with the policy certificate for the exhaustive list.