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Tips to find good and adequate international travel health insurance.
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TATA AIG Travel Guard insuranceUSD 50,000 to 500,000
58.9%
63%
6,05,894
7,40,370
TATA AIG’s Travel insurance covers the insured from any unforeseen emergency while traveling abroad or within India, on Business or for Leisure.
| Silver $50,000 Single Trip |
Silver Plus $100,000 Single Trip |
Gold $250,000 Single Trip |
Platinum $500,000 Single Trip |
|---|---|---|---|
| Accident and Sickness Medical Expenses Reimbursement (Deductible $100) | |||
| $50,000 | $100,000 | $250,000 | $500,000 |
| Accidental Death and Dismemberment Benefit(24 Hrs) | |||
| $10,000 | $10,000 | $15,000 | $25,000 |
| Accidental Death and Dismemberment (Common Carrier) | |||
| N/A | $5,000 | $5,000 | $5,000 |
| Emergency Sickness Dental Expense | |||
| $300 | $400 | $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 | 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 | 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) | |||
| $50 | $100 | $200 | $500 |
| Checked Baggage Loss Benefit | |||
| $500 | $750 | $1,000 | $1,000 |
| Loss of Passport (Deductible $30) | |||
| $250 | $250 | $250 | $250 |
| Personal Liability(Deductible $200) | |||
| $100,000 | $150,000 | $200,000 | $500,000 |
| Hijack(Deductible $100) | |||
| N/A | Included | Included | Included |
| Automatic extension of policy upto 7 days | |||
| Available | Available | Available | Available |
| Emergency Cash Advance | |||
| $500 | $750 | $1,000 | $1,500 |
| Fraudulent Charges (Payment Card Security) | |||
| $500 | $500 | $1,000 | $2,000 |
| Home Burglary (In Rs.) | |||
| Rs.100,000 | Rs.100,000 | Rs.200,000 | Rs.200,000 |
| Trip Cancellation | |||
| $500 (Deductible 50) |
$500 (Deductible 50) |
$750 (Deductible 75) |
$1,000 (Deductible 100) |
| Trip Curtailment | |||
| $500 (Deductible 50) |
$500 (Deductible 50) |
$750 (Deductible 75) |
$1,000 (Deductible 100) |
| Missed Connection/Missed Departure | |||
| $500 (Deductible 50) |
$500 (Deductible 50) |
$750 (Deductible 75) |
$1,000 (Deductible 100) |
| Bounced Hotel /Airline booking | |||
| $500 (Deductible 50) |
$500 (Deductible 50) |
$750 (Deductible 75) |
$1,000 (Deductible 100) |
| Gold $250,000 Annual MultiTrip |
Platinum $500,000 Annual MultiTrip |
|---|---|
| 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) |
Travel Guard is one of the largest selling travel insurance policies in India. It is also Tata AIG’s highest selling travel insurance plan. The key features in Tata AIG’s Travel Guard include:
Some of the key exclusions under Tata AIG’s Travel insurance plans include:
Yes, Tata AIG does have some restrictions for a few plans for senior citizens above the age of 56 years and these restrictions are generally referred to as Sublimits. Sublimits are extra limitations in an insurance policy's coverage of certain losses, primarily Sickness Medical expenses. They are part of the original limit, that is, they do not provide extra coverage, but set a maximum limit to cover a specific loss or for a specific medical expense. Sublimits can be expressed as a dollar amount or as a percentage of the coverage available. Typically they are part of the policy for insureds with advancing age.
For example, in a Tata AIG travel policy which has an Accident & Sickness Expense coverage of $100,000, it has a sublimit of $10,000 to cover Surgery Expenses in the case of a Sickness. This means that only $10,000 of the total coverage can go toward paying for Surgery Expenses, if the insured is above 56 years of age.. The insured cannot receive an insurance payout of an amount exceeding the sublimit for the types of loss specified.
| 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 |
| Anaesthetist 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 |
It is important to note that Tata AIG plans have a medical sublimit in place only for Sickness Medical expenses and this means that for any Accident related expenses, the maximum Sum insured is available to the insured for treatment. Kindly refer to the policy terms and conditions for the complete sublimit details.
Also very importantly, Tata AIG also has a set of Travel Insurance plans without sub limits. Those travellers who do not want any restriction in their sum insured can opt for the plans without Sub Limits.
Yes, Tata AIG offers Travel Guard plans without sublimit restrictions, which you can opt for your parents who are 60+ and travelling overseas.
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.
Know more »Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.
Know more »