Tips to find best travel insurance
Tips to find good and adequate international travel health insurance.
Know more »Compare TATA AIG Overseas Travel Claims Procedure
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Register with Europe Assistance* by calling the provided Toll Free numbers prior to hospitalization.
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After verifying coverage with TATA /Europe Assistance* places Guarantee (GOP) within 3-4 hours with the medical facility.
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After treatment customer leaves after paying deductible
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Insured is admitted after displaying policy schedule.
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Registration with Europe Assistance* within 4 hours of being admitted.
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After verifying coverage with Tata AIG, Europe Assistance* places Guarantee (GOP) within 3-4 hours.
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After treatment customer leaves after paying deductible.
USD 50,000/ 100,000/ 250,000/ 500,000
180 days
180 days to 99 years
| Medical | ||||
| Emergency Hospitalisation | Inform Europ Assist (Assistance and Claims Partner abroad) at the earliest providing details of Insured Traveler and Policy Schedule Number | Europ Assist verifies coverage of the Insured Traveler, coordinates with Hospital on the treatment and assesses Admissibility of the Claim | Europ Assist coordinates with Tata AIG Claims team and places Guarantee of Payment (GOP) with the hospital for Admissible Expenses - Turnaround Time 4-5 hours | Once treatment is completed, Europ Assist will settle payment to Hospital, Insured pays Deductible |
| Planned Hospitalisation | Insured reaches Europ Assist regarding proposed treatment | Europ Assist verifies coverage of the Insured Traveler, assesses Admissibility of the Claim and recommends suitable Hospital to the member | Europ Assist coordinates with Tata AIG Claims team and places Guarantee of Payment (GOP) with the hospital for Admissible Expenses - Turnaround Time 4-5 hours | Once treatment is completed, Europ Assist will settle payment to Hospital, Insured pays Deductible |
| Reimbursement of Outpatient Treatment | Insured visits Medical Facility for Outpatient Treatment and makes payment for the treatment received. Should retain Treatment records, bills and receipt for payment for Doctors visit and Pharmacy expenses, if any | On Return to India, or while abroad, Insured reaches out to Europ Assist and submits all Documents related to the Treatment and subsequent expenses | Europ Assist verifies coverage of the Insured Traveler, assesses Admissibility of the Claim, Reviews the Documents submitted and forwards to Tata AIG with the Medical Recommendation. | Tata AIG Claims team, reviews the claim, and makes Reimbursement for eligible expenses directly to Insured - Turnaround Time 7-15 working days post submission of all documents |
| Non Medical Claims | ||||
| Reimbursement of Expenses incurred directly related to the Benefit/Coverage | Insured incurs Expenses direcltly related to the Loss - Baggge Delay/Loss, Loss of Passport, Flight Delay, Trip Cancellation and other similar Benefits…retain all relevant bills for the expenses | On Return to India, or while abroad, Insured reaches out to Europ Assist and submits all Documents related to the Nature of Loss and subsequent expenses | Europ Assist verifies coverage of the Insured Traveler, assesses Admissibility of the Claim, Reviews the Documents submitted and forwards to Tata AIG with their Recommendation. | Tata AIG Claims team, reviews the claim, and makes Reimbursement for eligible expenses directly to Insured - Turnaround Time 7-15 working days post submission of all documents |
| Personal Liability | Insured reaches Europ Assist regarding Liability Suit and Expenses likely to be incurred | Europ Assist verifies coverage of the Insured Traveler, assesses Admissibility of the Claim and recommends action to be taken in coordination with the Legal Expert | Europ Assist coordinates with Tata AIG Claims team and works out the Payment Plan to all stakeholders | |
Some of the important aspects to be kept in mind while filing a Travel Insurance claim are as follows:
Each company has a different process for setting claim but Cashless Claim Guarantee takes between 3-4 hours after reporting the claim to Europ Assist/Tata AIG. Reimbursement of Claims normally takes between 7-15 days after submission of all relevant claims documents.
Many insurance company including Tata AIG are moving to Digital Claims processing, but most Travel insurance claims are still offline and hence you can call Europ Assist or Tata AIG Customer Support team to ascertain the status of your claim.
Yes, Tata AIG can deny settling a claim which does not fall under the Scope of the policy, or is more than the Sum Insured (Limit of Liability), or falls under the Exclusions of the policy. They will send an email to you citing the reason of the Denial/Repudiation of the claim, which you can take up with them if you are not convinced.
The IRDAI has instituted a Grievance Mechanism to address Claims Denial / Repudiation. After taking up the matter with the Tata AIG Claims Team, you can then refer the same to the Insurance Ombudsman appointed by the regulator to reviewing such pleas by the insured. If you are still not happy with the judgement of the Ombudsman, you can take Legal Recourse through the Judicial Process and Courts.
Tips to find good and adequate international travel health insurance.
Know more »Comparison of overseas Healthcare cost and popular tourist destinations.
Know more »How to use visitor insurance in case of sudden sickness and accidents.
Know more »You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.
Know more »Travelers who have already traveled from India and do not have insurance can buy Tata AIG travel medical insurance after getting the approval.
Know more »TATA AIG health insurance renewal customers can renew existing policy online before the exipry date at any time.
Know more »In case of a claim or reimbursement of treatment expenses, notify Tata AIG by contacting them.
Know more »Kindly refer the Policy Wordings for complete coverage details along with terms and conditions.
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