TATA AIG Travel Guard Insurance, Affordable overseas travel insurance for Indians

Eligibility
Benefits
Features
Assistance & Claims
Exclusion

Eligibility of TATA AIG Travel Guard Insurance

Policy is available for all entry ages under different plans from the age of 6 months onwards till 70 years of age for all plans except the Senior Citizen plan, which has an entry age of 71 years.
Travel insurance is available for the maximum of 180 days under the Single Trip Plans.
Traveller should hold either an Indian citizen with an Indian passport, PIO Card (Persons of Indian Origin Card) or OCI Card (Overseas Citizen of India Card)
Traveller should be traveling out from India and be available in India while purchasing the TATA AIG Policy

Benefits of TATA AIG Travel Guard Insurance

Silver $50,000 Single Trip	Silver Plus $100,000 Single Trip	Gold $250,000 Single Trip	Platinum $500,000 Single Trip	Gold $250,000 Annual MultiTrip	Platinum $500,000 Annual MultiTrip
Accident and Sickness Medical Expenses Reimbursement (Deductible $100) ^?
50,000	100,000	250,000	500,000	250,000	500,000
Accidental Death and Dismemberment Benefit(24 Hrs) ^?
10,000	10,000	15,000	25,000	15,000	25,000
Accidental Death and Dismemberment (Common Carrier) ^?
N/A	5,000	5,000	5,000	5,000	5,000
Emergency Sickness Dental Expense ^?
300	400	500	1,000	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	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	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	100	200
Checked Baggage Loss Benefit ^# ^?
500	750	1,000	1,000	1,000	1,000
Loss of Passport (Deductible $30) ^# ^?
250	250	250	250	250	250
Personal Liability(Deductible $200) ^?
100,000	150,000	200,000	500,000	200,000	200,000
*Hijack^(Deductible $100) ^?**
N/A	Included	Included	Included	Included	Included
Automatic extension of policy upto 7 days ^?
Available	Available	Available	Available	Available	Available
Emergency Cash Advance ^?
500	750	1,000	1,500	1,000	1,500
Fraudulent Charges (Payment Card Security)
500	500	1,000	2,000	1,000	2,000
Home Burglary (In Rs.)
Rs.100,000	Rs.100,000	Rs.200,000	Rs.200,000	Rs.200,000	Rs.200,000
Trip Cancellation
500 (Deductible 50)	500 (Deductible 50)	750 (Deductible 75)	1,000 (Deductible 100)	750 (Deductible 75)	1,000 (Deductible 100)
Trip Curtailment
500 (Deductible 50)	500 (Deductible 50)	750 (Deductible 75)	1,000 (Deductible 100)	750 (Deductible 75)	1,000 (Deductible 100)
Missed Connection/Missed Departure
500 (Deductible 50)	500 (Deductible 50)	750 (Deductible 75)	1,000 (Deductible 100)	750 (Deductible 75)	1,000 (Deductible 100)
Bounced Hotel /Airline booking
500 (Deductible 50)	500 (Deductible 50)	750 (Deductible 75)	1,000 (Deductible 100)	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 'Tata AIG travel insurance without sublimits'

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

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

TATA AIG Assistance & Claims

AIG Assist (USA & Canada) and AIG Travel Assist (Rest of World) are available round the clock for any assistance:

Pre-departure services - information about foreign locations, passport / visa requirements, immunization requirements etc
Emergency Travel Agency - provides with 24 hour travel agency service for airline and hotel reservations.
Medical Assistance - Assistance company will recommend or assist in securing the availability of services of Local Physicians, Admissions in Hospital and arranging other medical services. Assistance service including monitoring the patient and determining the next course of action is also carried out by them.
Medical Evacuation & Repatriation -In the event of medical emergency, the assistance services will arrange for evacuation and transportation based on the medical evaluation of your condition. Travel Guard also provides for repatriation of remains in case of unfortunate death of the insured while overseas.
Lost travel documents assistance
Emergency Message transmission services
Embassy referral services
Claims procedures Information services

Exclusions

Pre-existing medical conditions and any complications arising out of them.
If you are traveling against the advice of the physician.
Traveling with the sole reason for obtaining treatment.
Suicide and attempt to suicide.
War, terrorism and illegal acts.
Participating in dangerous sports
Does not cover trip to Manasarovar

Note: For complete list of exclusions, please refer to the policy wordings.
The coverage, terms & exclusions have been outlined briefly; kindly refer the Tata AIG Travel Insurance Policy Wordings for complete details.