TATA AIG Insurance Plans

TATA AIG Travel Guard insurance

Tata AIG Travel Guard Insurance quotes

Plan Type
     
Destination
No. of traveler
Date of birth
or age   years
Start date
Total Days: 
End date

Get best quotes for TATA AIG’s Travel Guard insurance

TATA AIG’s Travel insurance program covers the insured from any unforeseen emergency while traveling abroad or within India, on Business or for Leisure. The plans are ideal for travelers going to any country across the world including the USA, Canada, Europe, South East Asia or Australia. The travelers can also remain covered throughout their travel to any destination in India on any mode of transport.

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
  • 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)

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

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 of TATA AIG Travel Guard insurance

  • 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.

Frequently asked questions for Tata AIG Travel Guard insurance

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:

  • 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.
  • Trip Delay : Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).
  • 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.

Some of the key exclusions under Tata AIG’s Travel insurance plans include:

  • 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 https://www.eindiainsurance.com/ 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.

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 ServicesMax $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.

Brochure

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


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Proposal form

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Policy wordings

Review TATA AIG Travel Insurance - Travel Guard policy wordings which explains the terms and conditions.

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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

Insurance customers can renew their 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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