TATA AIG Travel Guard insurance

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.

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.

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.