TATA AIG Insurance Plans

TATA AIG Multitrip corporate travel insurance for business travelers

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Annual multi trip travel insurance from Tata AIG

Indian corporate and business travelers who travel abroad frequently on work or business meetings tend to fall sick or have accidental injuries. It is advisable to buy Tata AIG Annual Multi Trip insurance policy. It allows the insured to travel multiple times anywhere in the world during the coverage period of the policy. However each single trip cannot exceed 30 or 45 days depending on the plan purchased. Renewal of Tata AIG Annual Multi Trip policies will now be extended even beyond 70 years of age.

The Annual travel insurance from Tata AIG is available as Gold and Platinum multi trip travel insurance which is based on the Accident & Sickness Sum Insured as follows

  • TATA AIG Annual Multi-trip Insurance - Gold - Maximum medical coverage of $250,000
  • TATA AIG Annual Multi-trip Insurance - Platinum - Maximum medical coverage of $500,000

TATA AIG Travel Insurance review

TATA AIG Travel Insurance
Sum Insured
USD 50,000 to 5,00,000
Number of policies issued *
509,990
Claims settlement ratio **
66.59%
Number of lives covered *
827,689
Incurred claims ratio
62%
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

TATA AIG travel insurance coverage for Covid19

The TATA AIG travel insurance provides coverage for Covid19 related medical expenses. COVID19 related expensed are covered up to the sum insured according to the plan chosen. Covid expenses are covered for plans both with and without Sub Limits up to the eligible policy maximum.

The following are the TATA AIG travel guard exclusions for Covid19
  • Expenses related to Covid testing are not covered till a positive Covid test report requires further medical expenses.
  • Institutional and home quarantine expenses are not covered.
  • Expenses incurred by travelers for Covid19 testing as part of government regulation are not covered.

TATA AIG’s Annual MultiTrip insurance plan deatils

  • Coverage
  • Premium Chart - With Sublimits
  • Premium Chart - Without Sublimits
  • Features
  • Exclusions

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) ?
250,000 500,000
Accidental Death and Dismemberment Benefit(24 Hrs) ?
15,000 25,000
Accidental Death and Dismemberment (Common Carrier) ?
5,000 5,000
Emergency Sickness Dental Expense ?
500 1,000
Emergency MedicalEvacuation * ?
Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement
Repatriation of Remains * ?
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) ?
100 200
Checked Baggage Loss Benefit # ?
1,000 1,000
Loss of Passport (Deductible $30) # ?
250 250
Personal Liability(Deductible $200) ?
200,000 200,000
Hijack*(Deductible $100) ?
Included Included
Automatic extension of policy upto 7 days ?
Available Available
Emergency Cash Advance ?
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)
Note:
Pre-existing ailments or medical conditions are covered up to $1500 only incase of life threatening situation.
* Included under the benefit limit of Accident and Sickness Medical Expenses Reimbursement
# Maximum amount to be reimbursed per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured

Sub Limits - The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMIT'
  • Hospital Room and Board and Hospital miscellaneous: Max $1,500 per day upto 30 days whichever is less.
  • Intensive Care Unit: Max $3,000 per day upto 7 days whichever is less.
  • Surgical Treatment: Max $10,000
  • Anesthetist Services: Upto 25% of Surgical Treatment
  • Physician's Visit: Max $75 per Day upto 10 visits
  • Diagnostic and Pre-Admission Testing: Max $500
  • Ambulance Services: Max $400

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

Tata AIG Annual travel insurance features

Coverage of medical expenses
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 better things like enjoying the holiday.
Checked baggage loss
Checked baggage loss
Compensation for the loss of checked in baggage.
Baggage delay
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
Loss of Passport
Compensation for expenses incurred in obtaining a duplicate or new passport.
Personal Liability
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
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
In-hospital Indemnity
Travel Guard pays a Daily benefit for each day you are an inpatient in a hospital due to injury or sickness.
Trip Delay
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
Automatic-extension of the policy
Travel Guard allows you to extend your policy upto a period of 7 days from the policy expiry date.
Personal Accident
Personal Accident
TravelGuard gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.
Sickness Dental Relief
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.

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.

Best Annual Travel Insurance for Indians travelling frequently

Depending on the number of foreign trips that a traveller makes every year, they can opt for a single trip insurance plan or an annual multitrip travel insurance policy.
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Annual Travel Insurance


The main advantage of an annual multi-trip policy is that the traveller does not have to arrange cover for each journey that they take, especially if they and/or their family members travel frequently throughout the year.
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group travel insurance

"Business or corporate big group of travellers going abroad multiple times can get best corporate group multi trip travel insurance quotes"

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Frequently asked questions for Tata AIG annual multi trip insurance

There is currently no maximum entry age for Tata AIG’s Annual Multitrip Insurance plans, both With and Without Sub Limit options. Hence an insured of any age travelling regularly abroad can purchase this plan of Tata AIG.

Tata AIG’s Annual Multitrip plans cover any number of trips made during the period of the policy. This is the real advantage of purchasing a policy of this nature, especially if one is a frequent International Traveler. Annual Multitrip plans are issued for a period of 1 year without any restriction on the number of trips made by the insured, subject to the duration of each trip being within the 30/45 day duration under the opted plan.

Tata AIG offers two options of 30 and 45 days under their Annual Multi Trip plans. This means that the traveling insured must ensure that each individual trip does not exceed the maximum duration under the opted plan. For eg. If the traveled opts for the 45 day option, they must ensure that each individual trip of theirs does not exceed 45 consecutive days. They may however have any number of trips during the 1 year period of the plan.

A single trip policy provides coverage for a specific or single trip taken by the insured abroad. An annual multi-trip plan is a travel insurance policy valid for 12 months where in the insured can travel any number of times abroad in this period. The main advantage of an annual multi-trip policy is that one does not have to arrange an insurance plan/cover for each journey that they take, especially if the individual/family travel frequently throughout the year. They do not also have to keep the insurance company informed whenever they travel. It also generally works by offering better value than buying two or three single trip policies a year.

Brochure

Review TATA AIG Travel Insurance - Comprehensive brochure to understand coverage details.

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Proposal form

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Policy wordings

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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy Tata AIG travel medical insurance after approval.

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Tata AIG Travel Insurance Online Renewal

TATA AIG health insurance renewal customers can renew existing policy online before the exipry date at any time.


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Tata AIG Travel Insurance Claims & Customer care

In case of a claim or reimbursement of treatment expenses, notify Tata AIG by contacting them.


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Tata AIG Travel Insurance Policy Wordings

Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.

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How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025
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