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TATA AIG Travel Insurance

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TATA AIG Overseas Travel Insurance

Travel Guard (Travel Arm of AIG Inc), the largest travel insurance company in the world delivers "their promise" to the customers. This has access to Travel Guard’s Global expertise - so you get the services of a multilingual team familiar with local conditions and situations.

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.


Know more »
Destinations* - List of Countries - Including USA and Canada;   List of Countries - Excluding USA and Canada;   Schengen Countries

Tata AIG General Insurance Company Limited is an Indian General Insurance company and a joint venture between the Tata Group and American International Group, one of the global leader in General Insurance based out of the USA. Tata Group holds a 51 percent stake in the insurance venture with AIG holding the balance of 49 percent. Tata AIG General Insurance Company Limited celebrated 18 years of service this year (2018) since it commenced operations in India on January 22, 2001. The company offers a range of general insurance covers for businesses and individuals and has a comprehensive range of general insurance products for Liability, Marine Cargo, Personal Accident, Travel, Rural-Agriculture Insurance, Extended Warranty etc. Each product offering is backed by professional expertise. Tata AIG General Insurance Company Limited has a workforce of 5174 employees and is present in 187 locations across India. Tata AIG is one of the leaders in Travel Insurance offerings in India in terms of their range of products and claim services provided.
Travel insurance satisfies the Schengen Visa insurance requirements as mandated by Schengen state consulates. Travel Guard plans set benchmarks on service excellence, worldwide coverage and value for money not forgetting ease of purchase and quick and fair claims settlement.

Key features of TATA AIG Travel Insurance
  • Accident & Sickness Expenses Deductible : $100
  • Personal Accident Coverage : Upto $25,000
  • Passport Loss Benefit : Upto $250

Unique Features of Tata AIG Travel insurance for overseas travel

  • Available up to 99 years
  • Offers coverage for pre-existing conditions
  • Offers coverage without sublimits

How to buy a Travel Policy online?

There is a simple online application for travelers to complete and enroll to purchase TATA AIG’s travel insurance.
  • Once the online application is filled completely, travelers can use a credit / debit card /other modes or cheque to make the payment of premium for their policy.
  • Travelers can purchase this travel insurance online from anywhere in the world.
  • Many of our customers are in the USA, Canada, UK, Europe and Australia and buy this insurance online for family members traveling overseas from India.
  • It must be noted that policies can be purchased for only those travelers, traveling out from India.
  • A confirmation email will be sent to the travel insurance customer immediately after the completion of purchase process and paying the requisite premium.
  • Those who are paying via cheque can forward the same to the mailing address of Eindiainsurance office specified on the application.
  • Please note that the payment has to be received prior to commencement of travel.

Tata AIG’s Travel Insurance Products

Tata AIG is today one of the leading Travel Insurers in the India market servicing both the retail and corporate markets. The travel insurance products that they offer in the market are :
  • Travel Guard
  • Asia Travel Guard
  • Student Guard
  • Domestic Travel Guard
  • Features

TATA AIG Travel Guard Insurance for overseas travel

Travel Guard is a product specifically for International Travelers who are traveling on business or leisure to any destination across the world. This is the largest selling plan for Tata AIG and it is the most comprehensive in terms of Benefit Coverage and Sum Insured options.
Tata AIG currently offers seven variants of their International Travel Insurance product - five variants of Single Trip plans offering different Accident & Sickness (A&S) with Sum insureds like Silver Plan – US$50,000, Silver Plus Plan - US$100,000, Gold Plan - US$250,000 and Platinum Plan - US$500,000 and a recently introduced Senior Plan with a coverage of UDS $50,000. Apart from the Single Trip plans, they offer two variants of Annual Multi Trip Plans with different A&S coverage - Gold Plan - US$250,000 and Platinum Plan - US$500,000.

What is the maximum entry age for Travel Guard in Tata AIG?
  • 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.
Tata AIG Travel Insurance Eligibility
  • 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
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) ?
US $50,000 US $100,000 US $250,000 US $500,000 US $250,000 US $500,000
Accidental Death and Dismemberment Benefit ?
US $10,000 US $10,000 US $15,000 US $25,000 US $15,000 US $25,000
Accidental Death and Dismemberment (Common Carrier) ?
N/A US $5,000 US $5,000 US $5,000 US $5,000 US $5,000
Emergency Sickness Dental Expense ?
US $300 US $400 US $500 US $1,000 US $500 US $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) ?
US $50 US $100 US $200 US $500 US $100 US $200
Checked Baggage Loss Benefit # ?
US $500 US $750 US $1,000 US $1,000 US $1,000 US $1,000
Loss of Passport (Deductible $30) # ?
US $250 US $250 US $250 US $250 US $250 US $250
Personal Liability(Deductible $200) ?
US $100,000 US $150,000 US $200,000 US $500,000 US $200,000 US $200,000
Hijack*(Deductible $100) ?
N/A Included Included Included Included Included
Emergency Cash Advance ?
US $500 US $750 US $1,000 US $1,500 US $1,000 US $1,500
Fraudulent Charges (Payment Card Security)
US $500 US $500 US $1,000 US $2,000 US $1,000 US $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
US $500
(Deductible US $50)
US $500
(Deductible US $50)
US $750
(Deductible US $75)
US $1,000
(Deductible US $100)
US $750
(Deductible US $75)
US $1,000
(Deductible US $100)
Trip Curtailment
US $500
(Deductible US $50)
US $500
(Deductible US $50)
US $750
(Deductible US $75)
US $1,000
(Deductible US $100)
US $750
(Deductible US $75)
US $1,000
(Deductible US $100)
Missed Connection/Missed Departure
US $500
(Deductible US $50)
US $500
(Deductible US $50)
US $750
(Deductible US $75)
US $1,000
(Deductible US $100)
US $750
(Deductible US $75)
US $1,000
(Deductible US $100)
Bounced Hotel /Airline booking
US $500
(Deductible US $50)
US $500
(Deductible US $50)
US $750
(Deductible US $75)
US $1,000
(Deductible US $100)
US $750
(Deductible US $75)
US $1,000
(Deductible US $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 plans 'WITHOUT SUBLIMIT'
  • 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 Asia Travel Guard Insurance for travel within Asia

Asia Travel Guard is Tata AIG’ s product designed for travellers within the continent of Asia but excludes Japan & Korea. There are two variants of the plan namely Silver and Gold with differential Sum Insureds for Emergency Accident & Sickness (A&S). The Silver plan has an A&S coverage of $50,000 while the Gold Plan has A&S coverage of $200,000.
The maximum trip duration under this policy will be for 14 days.

Eligibility of Asia Travel Guard
  • Policy is available for all entry ages under different plans from the age of 6 months onwards till 70 years of age.
  • 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
Silver (US $50,000) Gold (US $US $200,000) Deductible
Accident and sickness medical expenses reimbursement
US $50,000 US $200,000 US $100
Accidental death and dismemberment benefit
US $10,000 US $15,000 N/A
Medical evacuation*
Included Included N/A
Repatriation of remains*
Included Included N/A
Checked baggage delay
N/A US $75 N/A
Checked baggage loss benefit#
US $500 US $1000 N/A
Loss of passport
US $250 US $250 US $30
Personal liability
US $1,00,000 US $2,00,000 US $200
Note:
* 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 plans 'WITHOUT SUBLIMIT'

  • 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 $400
Coverage benefits
  • Personal accident - 24-hr personal accident cover upto US$ 15,000.
  • Medical expenses Cover - Reimbursement of medical expenses due to accident and sickness.
  • Emergency medical evacuation and repatriation - In the event of a medical emergency, Tata AIG will arrange for the evacuation and transportation to move an ill or injured traveller to a location where appropriate medical care is available. Policy provides for repatriation of remains in case of unfortunate death of the insured during the trip.
  • Checked baggage loss - Compensation for the loss of checked in baggage.
  • Loss of passport - Compensation for expenses incurred in obtaining a duplicate or new passport.
  • Checked baggage delay - Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival checked in baggage, whilst overseas.
  • 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.
Countries covered: The Asian countries covered under this plan include:
  • Afghanistan, Armenia, Azerbaijan, Bahrain, Bangladesh, Bhutan, Brunei, Burma (Myanmar), Cambodia, China, Hongkong, Indonesia, Iran, Iraq, Israel, Jordan, Kazakhstan, Kuwait, Kyrgyzstan, Laos, Lebanon, Malaysia, Maldives, Mongolia, Nepal, Oman, Pakistan, Philippines, Qatar, Saudi Arabia, Singapore, Sri Lanka, Syria, Taiwan, Tajikistan, Thailand, Turkey, Turkmenistan, UAE, Uzbekistan, Vietnam, Yemen.

TATA AIG student medical insurance

Studying abroad is a crucial opportunity for students. You can explore new lands, new cultures and new lifestyles during your spare time while abroad for studies. But you also should be aware that along with the opportunity there can be risk of accident or loss of sponsorship. TATA AIG StudentGuard insurance is designed for people who are travelling abroad to pursue their studies.

Plan A (US $50,000) Plan B (US $1,00,000) Ultimate (US $2,50,000) Ultimate Plus (US $5,00,000) Supreme (US $5,00,000)
Accident & Sickness Medical Expenses Reimbursement
US $50,000 (100) US $1,00,000 (100) US $2,50,000 (100) US $5,00,000 (100) US $5,00,000 (100)
Emergency Evacuation
US $5,000 US $10,000 US $15,000 US $25,000 US $25,000
Repatriation of Remains
US $2,500 US $5,000 US $7,500 US $10,000 US $10,000
Accidental Death and Dismemberment
US $10,000 US $25,000 US $25,000 US $30,000 US $50,000
Felonious Assault (AD&D)
US $5,000 US $5,000 US $25,000 US $25,000 US $25,000
Checked Baggage Loss*
US $500 US $1,000 US $2,000 US $2,500 US $2,500
Baggage Delay (After 12 hours only)#
- US $50 US $150 US $250 US $250
Loss of Passport
US $250 (30) US $250 (30) US $250 (30)> US $250 (30) US $250 (30)
Personal Liability
US $1,00,000 (200) US $1,00,000 (200) US $5,00,000 (200) US $5,00,000 (200) US $5,00,000 (200)
Study Interruption
US $7,500 US $7,500 US $15,000 US $25,000 US $25,000
Sponsor Protection
US $10,000 US $10,000 US $20,000 US $25,000 US $25,000
Compassionate Visit (2-Way)
US $1,500 US $5,000 US $7,500 US $10,000 US $10,000
Bail Bond
US $500 US $1,000 US $5,000 US $5,000 US $5,000
Maternity Benefit(Only Inpatient Treatment incl 1 month post Natal Cover) - Waiting Period - 10 Months
US $500 US $1,000 US $2,000 US $2,500 US $3,000
Treatment for Mental and Nervous Disorders: Including Alcoholism and Drug Dependency
- US $500 US $1,000 US $2,000 US $2,500
Cancer Screening and Mammography Examinations
US $250 US $500 US $1,500 US $2,500 US $3,000
Assistance Services
Included Included Included Included Included

TATA AIG Domestic Travel Guard Insurance for Travel within India

Domestic Travel Guard completes the product offerings under Travel for Tata AIG. It is a plan suited for insuring a domestic travel journey on business or leisure. Domestic Travel is perhaps the most underpenetrated market in the India insurance space because most persons believe that there is no need for insurance while traveling within India. Tata AIG’s Domestic Guard covers travel outside the home city/location on any mode of transport ie. Air, Road, Rail etc.

Tata AIG’s Domestic Travel Guard has only one plan but there is an option for the insured to purchase multiple units (maximum upto 5 units) of this basic plan. Domestic Travel Guard Insurance also offers many unique benefits such as family transportation cover in case of emergencies, lost ticket reimbursements, missed departure compensations, personal liability coverage and personal accident insurance. So the next time you are traveling, ensure that you leave behind your worries and enjoy every moment of the trip.

Amount in Rupees Deductible
Accidental Death and Dismemberment(Common Carrier)
Rs. 50,000 NA
Accident Medical Expenses
Rs. 20,000 Rs. 250
Assistance Services
Included NA
Emergency Medical Evacuation Benefit
Rs. 10,000 NA
Repatriation of Remains Benefit
Rs. 10,000 NA
Personal Liability Benefit
Rs. 1,00,000 Rs. 200
Accident-In - Hospital Indemnity Benefit (max 7days)
Rs. 500 1 day
  • **We will pay the excess of what will be re-inbursed / paid by any other agency / authority.
  • #Max units for Core benefits 5. The number of units for Add-on-benefits cannot exceed units for core benefits.

Features

  • Missed Departure - In the event of missing the departure of your booked journey, the cost of your actual ticket(air / rail) will be reimbursed subject to certification by the concerned authority.
  • Accommodation charges due to trip delay - In the event of the trip delay, the extra accommodation expenses incurred will be reimbursed.
  • Lost ticket reimbursement - In case of a ticket loss due to which one cannot continue the journey the actual cost of the ticket will be reimbursed.
  • Emergency medical evacuation - In the event of a medical emergency, the arrangements for the evacuation and transportation of the insured for appropriate & quality medical care, shall be covered.
  • Repatriation of Remains – Coverage is provided up to the amount stated in the Policy Schedule for covered expenses reasonably incurred to return the insured’s mortal remains body to Your usual residence in India if You die during a Trip. Covered expenses include, but are not limited to, expenses for: (a) embalming;(b) cremation;(c) coffins; and (d) transportation.
  • Replacement Of Staff (Business Trip) – the insurer shall pay upto the sum insured in respect of reasonable additional travel and accommodation expenses necessarily incurred under the circumstances in - 1. Sending out a replacement for an Insured Person; and returning the replacement following the completion of the duties necessarily undertaken. Alternately, returning the original person, back to the usual town in India or seding out the original Insured Person to complete a tour of duty following recovery from disability
  • Family Transportation - If the insured is hospitalized for a long period of time following a covered hospitalization, the insurer will pay subject to SI for the the cost of round-trip economy airfare to bring one of Your Immediate Family Members chosen by You to and from Your bedside or pay the reimbursement of the hotel room charge due to convalescence after Your Hospital discharge
  • 24 x 7 Assistance - Tata AIG’s assistance team will be available round the clock for any assistance or referral services like : Medical evacuation, Medical Assistance, Legal Assistance, Lost Luggage Support, Lost Travel Document Support, Assistance in emergency message transmission, Assistance in hotel accommodation, Arrangement of Bail Bond etc

How are Tata AIG’s Overseas Travel Insurance claims administered/managed?

The Assistance Company, AIG Travel Assist offers claims support and assistance to the Traveller abroad, across the world. They have 8 alarm centres across the world and Tata AIG’s overseas portfolio is managed from Houston, US and Kuala Lumpur, Malaysia…Some of their services include:
  • 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

What are the Exclusions under Tata AIG’s Travel policies? Some of the key exclusions are listed below:

  • 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 our eIndiaInsurance 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.

Why buy TATA AIG?

There are many advantages of buying TATA AIG’s insurance plans online. Some of the advantages are listed below:
  • Tata AIG has been the undisputed market leader in the travel insurance market in India since inception in 2001 and till date enjoys amongst the highest market share in India.
  • Tata AIG is a JV with AIG ($55 billion turnover) holding 24% share and balance 76% with Tata Group ($100 billion turnover Industrial conglomerate).
  • TATA AIG satisfies all statutory regulations of IRDA in India.
  • AIG Inc has Business Operations in 130 countries across the following Property, Casualty lines of business apart from Travel. This global presence is a big advantage while managing the Travel business worldwide.
  • Tata AIG's Medical Assistance Company is AIG Travel Assist which is an AIG group company – They have 8 alarm centres across the world and managed around 267,000 travel claims during 2017-18.
  • AIG Travel Assist have the largest network of hospitals in USA, which is managed through their Houston alarm centre. The Rest of the World Assistance servicing is done through the alarm centre in Kuala Lumpur. At any given time the TATA AIG’s insureds will have access to faster medical assistance services at more number of specialty hospitals
  • AIG Travel Inc. is the worldwide Travel Insurance business was almost $1.05 billion across 80 countries including India. Clearly one of the leaders and the most preferred company for the longest time in the World Market for Travel Insurance.

Tata AIG travel medical insurance frequently asked questions

Travel insurance provides insurance coverage during ones travel overseas. You can also get domestic travel insurance for travel within India, Travel insurance provides coverage more than just for the duration of your travel itself. The scheme covers medical expenses incurred for any in-patient& outpatient treatment throughout your journey.

The duration of the Policy from the start date till the expiry date of the policy is called as ‘Policy Period’. You can benefit the coverage as specified only during the duration of ‘Policy Period’.

The standard deductible under the Accident & Sickness Reimbursement is $100 irrespective of the value of the claim. The same is not taxable.

The sublimits are applicable to the Age Category of 56-79. Please refer the benefits under all Plans as in the Travel brochure of Insurance Company.

There is no restriction on the hospital where treatment should be taken. The treatment can be taken in any hospital in the world outside India. However, the only restriction is that the hospital should be a registered hospital under the local jurisdiction. It is however advisable in pre planned hospitalization, the Insured informs the Assistance Company whom may choose the direct them to a Network Hospital in the same locality.

The sum insured as mentioned in the policy schedule is for each traveling member. For eg. If there are 3 family members traveling under a single Gold Plan policy, each of the them will be covered for a SI of $250,000 under the Accident & Sickness benefit. Also this limit of $00,000 is per accident which means that the limit gets topped up once a claim is settled. For eg. If Individual A has had an accident and had filed a claim for $10,000, in the event of another sickness claims he/she will be eligible for $200,000 in full and the same will not be reduced by the $10,000 already claimed under the first claim. However the deductible of $100 will be applicable for a single claim/incident. There is no restriction on the number of claims per person in the policy period.

A newborn child will be covered after 6 months of birth.

Persons between 6 months up to 70 years can buy TATA AIG travel insurance. For those who are above the age of 70 (i.e. 71-79) can buy Senior Citizen plan.

Trip - means any Insured Journey during the Insured Period which starts and finishes in India and involves a destination(s) outside India; which lasts or is expected to last for: « up to 180 » Days or less if covered under Single Trip Insurance; or « up to 30/ 45 » Days or less per Trip, if covered under Annual Multi Trip Insurance.

Some of the key benefits under the Tata AIG Travel Health insurance include:

  • Personal accident - 24-hr personal accident cover upto US$ 15,000.
  • Medical expenses Cover - Reimbursement of medical expenses due to accident and sickness.
  • Emergency medical evacuation and repatriation - In the event of a medical emergency, Tata AIG will arrange for the evacuation and transportation to move an ill or injured traveller to a location where appropriate medical care is available. Policy provides for repatriation of remains in case of unfortunate death of the insured during the trip.
  • Checked baggage loss - Compensation for the loss of checked in baggage.
  • Loss of passport - Compensation for expenses incurred in obtaining a duplicate or new passport.
  • Checked baggage delay - Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival checked in baggage, whilst overseas.
  • 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.

Tata AIG essentially offers two types of travel insurance plans…one for single trip and another for multi trip (frequent travellers going abroad more than 3-4 trips in a year). Under the Single trip plans Tata AIG offers Travel Guard for individuals traveling to any part of the world…They also offer plans specific for Asia, and for Domestic travel within India. They also have an insurance plan specifically for students going abroad for their higher studies.

Under the Multitrip they offer a comprehensive Annual Multitrip plan covering frequent travellers which has worldwide coverage.

In an insurance policy, the deductible is the amount paid out of pocket by the policy holder before an insurance provider will pay any expenses. In general usage, the term deductible may be used to describe one of several types of clauses that are used by insurance companies as a threshold for policy payments. The policy deductible is applicable for each instance of sickness/ailment. For continuous treatments relating to the same sickness, the deductible will only be applicable once. The insured is required to quote the Claim reference number when contacting the assistance company while undergoing follow up / re-revisit treatments. The deductible will need to be paid in each instance of a new/ different ailment / sickness. The deductible under the Accident & Sickness is normally USD $100 under all Tata AIG plans.

Yes, Tata AIG offers Cashless Travel/Health Insurance overseas for inpatient hospitalisation, subject to the treatment being covered under the policy. The Assistance TPA/Insurance company will pay up to 100% of the claim to the medical facility above the deductible amount (mentioned on the policy certificate), upto the maximum Sum Insured availed and subject to the policy terms and conditions. This will be done either by placing a Guarantee of Payment (GOP) or making a payment directly to the hospital. This is subject to eligibility of the insured for coverage.

Let us look at a couple of examples…
Example 1 - if the insured is admitted to the hospital for treatment for a covered illness and the hospital estimates the expenses to be $700, then Tata AIG will pay the hospital $600 and the insured will pay the $100 which is the deductible under the policy.

Example 2 – if the insured is admitted to the hospital for treatment for a covered illness and the hospital estimates the expenses to be $70,000, and the total Sum Insured under the policy is $50,000, then Tata AIG will pay the hospital $49,900 and the insured will need to pay the remaining $20,100 which is the deductible under the policy. (Insurer will pay max sum insured of $50,000 minus deductible of $100).

Yes, Tata AIG’s travel insurance plans do cover outpatient medical expenses upto the sum insured opted for by the traveller. However the difference between inpatient and outpatient treatment is that in the case of outpatient (OPD) treatment, the travelling insured needs to settle the hospital bills directly by making a payment to the facility and then get a refund from the insurance company after submitting the invoices to the claims team. This reimbursement process could take upto 7 working days after submitting all the relevant documents.

Tata AIG’s best selling plan is Travel Guard. Under Travel Guard, they offer an “Excluding Americas” plan which covers travellers who are going to any other country in the world except North and South America. This plan will cover you for your travel to both the Schengen countries and UK. Given the cost of healthcare in these countries it is advisable to go ahead with the Gold or Platinum plan.

A pre existing condition means any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer. This means that if the insured is traveling abroad with a pre existing condition and avails of any treatment abroad, Tata AIG will not be liable for paying the claim.

Tata AIG however offers a limited coverage for medical arising due to pre existing conditions, when the situation is Life threatening in nature upto $1,500. A Life threatening condition is an unforeseen medical emergency, which puts the life of the insured at extreme risk. In such event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed upto a limit specified in the policy terms and conditions. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain. All further medical cost to improve or maintain medically stable state or to prevent the onset of acute pain would have borne by the Insured.

Technically Travel Insurance doesn’t fall under the category of insurance policies which have a renewal date. Two types of plans (Student Insurance and Annual Multi Trip plans) have a renewal date or what can be termed as an extension date. Hence once must apply for a renewal/extension on https://www.eindiainsurance.com/ and post approval from the insurance company, the extension / renewal policy can be purchased on the same website.

Tata AIG’s travel insurance plans for business and leisure travellers can be purchased for a maximum duration of 180 days at a time. As a special case, the traveller can seek an extension beyond this duration, but that is subject to approval from the Tata AIG team. However the Tata AIG Student plans have a maximum duration of 365 days at a time.

There are two types of claims that an insured can file under a Travel Insurance policy.

The first is a Cashless/Direct Settlement claim which is typically for Inpatient treatment for Accident & Sickness Medical expense claims. So if the insured is admitted to the hospital, the family should reach out to the Assistance TPA (their contact details are on the insurance certificate) and inform the about the hospitalisation. The Assistance Company will make coordinate with the hospital and insurance company to make a payment directly with the hospital.

The other type of claims are Reimbursement claims where the upfront expenses are incurred by the insured and then a reimbursement is sought from the Insurance company. Reimbursement claim are usually for Outpatient Medical Expense claims and for Non Medical claims like Passport Loss, Baggage Delay/Loss, Trip Delay, Missed Connection, Personal Accident etc. Here the insured is required to retain bills, receipts, documents pertaining to the expenses incurred and then submit the same to the insurance company on their return to India. The documents are submitted along with a claim form which narrates the type of loss incurred and other information including bank details, policy details etc. All insurance companies reimburse these claims against the documents submitted in a standard outer timeframe of 7 working days subject to policy terms and conditions.

Tata AIG currently has sublimits under its Travel insurance policies as per the table below…this means that if there is an insured who has opted for an insurance policy with a sum insured of $50,000, in case of a surgery, the insurance company’s exposure/claims payment will be restricted to $10,000 (see table below for Surgical Treatment). Similarly there is a restriction on the room rent, ICU charges etc.

Tata AIG Sublimits for Insureds above 56 years of age
Hospital Room and Board and Hospital miscellaneousMax $1,500 per day upto 30 days whichever is less.
Intensive Care UnitMax $3,000 per day upto 7 days whichever is less.
Surgical TreatmentMax $10,000
Anaesthetist ServicesUpto 25% of Surgical Treatment
Physician's VisitMax $75 per Day upto 10 visits
Diagnostic and Pre-Admission TestingMax $500
Ambulance ServicesMax $400
In the same situation if the insured has opted for a No Sublimit option, then the surgery expenses will be covered upto $50,000 and not be restricted to $10,000 as in the first case. Hence here the coverage is not restricted/limited by sublimits.

The insured should note the following:
  • ince the coverage does not have a restriction like a sublimit, the premium for Non Sublimit plans will be higher than the sublimit plans for a similar coverage.
  • 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.

Tata AIG Travel Insurance useful links

How to buy online?
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
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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Online renewal
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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Insurance claims
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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Premium Calculator
Tata AIG Travel Insurance Premium Calculator

TATA AIG Overseas Travel Insurance Premium Calculator

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Policy Wordings
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?
How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network

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How does travel insurance work
How does travel insurance work

How to use Indian visitor insurance in case of sudden sickness and accidents

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Healthcare cost overseas
Healthcare cost overseas

Comparison of overseas Healthcare cost and popular tourist destinations

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Tips to find best travel insurance
Tips to find best travel insurance

Tips to find good and adequate international travel health insurance

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Popular Destinations
Popular Destinations

Indian travel insurance for popular overseas tourist destinations

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