TATA AIG Travel Guard insurance

TATA AIG travel insurance overview

• 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 180 days / 360days depending on age under single trip plan.
  • 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 Single Trip insurance

  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)

• Benefits of TATA AIG Travel Guard Multi Trip insurance

  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)

• 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 Europe Assistance (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

  Address of Reimbursement Claim(For Insured only)
  Claims Department
  TATA AIG General Insurance company Ltd.
  7th and 8th Floor,
  Romell Tech Park,
  Cama Industrial Estate,
  Western Express Highway,
  Goregaon(E), Mumbai, Maharashtra 400063.
  
  Assistance Contact (For Insured only)
  For Excluding the Americas Policies:
  Call: +91 – 022 68227600 (Call back facility available)
  Email - [email protected]
  For the Americas Policies:
  Please call: +1-833-440-1575
  (Toll free within US and Canada)
  Email - [email protected]
  
  US Medical Claims (For providers only)
  Plan type : LTA
  Policy Certificate # : 7101721270
  Europ Assistance India
  Star Hub Building number 2,
  floor 7, Near ITC Maratha,
  Andheri E Mumbai - 400 059,
  Please call : +1-833-440-1575,
  (Tollfree within US and Canada)
  Email id - [email protected]

• Exclusions of TATA AIG Travel Guard insurance

  • 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.