Get answers to all your questions?
1. What is the procedure to cancel the policy if the university rejects TATA-AIG insurance?
The student should email us and provide the rejection letter received from the university. On receipt of this document, TATA AIG will cancel your student policy and refund the amount to you after deducting the cancellation charges of Rs.300/-
2. What is my insurance policy certificate number?
The insurance policy number is printed on the certificate which has been issued to you…please refer this number in any communication with either the insurance company or the Assistance company.
3. What is the effective date of the policy coverage?
The policy is effective from the actual start date of travel or the commencement date mentioned on the policy certificate, whichever is later.
4. Who do I contact in case of an Emergency?
Tata AIG’s Assistance Provider is AIG Travel Assist. The contact (phone and email) details of Assistance company have been provided on the insurance certificate. The assistance company should be contacted for Cashless Hospitalisation requirements, as well as reimbursements for claims already paid for by the insured.
5. What types of treatment are covered under the program?
Primarily, there are two types of treatments available under this policy. Outpatient & Inpatient; The insured is eligible for the above benefits as per the Terms and conditions of the policy.
Note: Where possible, it is recommended that the insured utilizes the CASHLESS FACILITY by contacting the assistance company to facilitate the claim process.
6. What do you mean by “Cashless” claim settlement?
AIG Travel Assist will pay up to 100% of the claim (subject to the policy terms and conditions and upto the maximum Sum Insured mentioned) to the medical facility above the deductible amount mentioned on the policy certificate. This will be done either by placing a Guarantee of Payment (GOP) or making a payment to the hospital. This is subject to eligibility of the insured for coverage.
7. In the event of a claim, am I liable to pay any excess / deductible?
The deductible under the Accident & Sickness is USD $100 .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.
8. How is the deductible of USD $100 applicable in the case of Cashless hospitalization?
During discharge of the patient and on preparation of the final bill, the deductible mentioned in the policy schedule is payable by the insured. Apart from this, all expenses that are not payable under the terms and conditions of the policy will have to be paid by the patient to the hospital / medical facilities. AIG Travel Assist will directly pay the allowed expenses to the hospital on behalf of Tata AIG.
9. Are there any restrictions on the hospital where the treatment should be taken?
It is advisable that the insured contacts the Assistance Company who will direct them to a Network Hospital in the same locality and assist with Cashless facility. There is no restriction on the hospital where treatment should be taken. The treatment can be taken in any hospital However, the hospital should be a registered hospital under the local jurisdiction.
10. Who can contact the assistance company in the event of an emergency?
Either the insured, or anyone who is acting on their behalf (friend/ family/ colleague) can contact the assistance company.
11. What is the timeframe in which the Assistance Company is to be contacted?
The insured (or any other person as nominated above) is to inform the assistance company within a reasonable time frame so that the cashless facility can be activated. It is advisable however to make first contact with the Assistance company within 24 hours in case of hospitalization.
12. What is the process for reimbursement claims?
The insured should retain all necessary bills (medical records in case of medical treatment) for expenses incurred as per the terms and conditions of the policy. The same can be submitted to the Tata AIG Claims Department (address below) on their return to India. The claims will be settled in 7 working days post submission of completed documentation.
TATA-AIG General Insurance Company Limited
A-501, 5th Floor, Building No.4,
Infinity Park, Gen. A.K. Vaidya Marg,
Dindoshi, Malad (East)
Mumbai 400 097
13. I suffered from a medical and physical condition whilst in India. Can I claim for medical/hospital and other related expenses if I need treatment for the same diagnosis while on my trip?
No, the policy does not provide for treatment of pre-existing conditions, except in the case of a life threatening situation.
14. Does the policy cover maternity and related expenses?
Yes the policy covers for maternity expenses incurred for self only. Benefits are as per the policy certificate.
15. Does the policy provide for Travel Inconvenience covers?
The policy provides coverage for Loss of Passport, Loss of Baggage (checked), Delay of baggage (check in), Missed Departure/Connection, Study Interruption, Sponsor Protection etc.
16. Can I make a claim wherein the Airlines have misplaced/lost/delayed my luggage on my return to India?
You would need to first have a PIR (Property Irregularity Report) form filled with the scheduled airlines. If the airlines confirm on the total loss of the baggage, you may then register your claim with the insurance company. However please note that if the airline has compensated the insured for baggage loss/delay, then you should not file a claim with the insurer. Importantly, if the incident pertains to Delay of Baggage while returning to India, then the said incident would not be covered under the policy.