TATA AIG travel insurance FAQ

Outpatient - Not required.

Inpatient - for cashless service the insured has to get in touch with the assistance company (toll free number for including Americas policies: 1-866-866-2619 and for excluding Americas policies: +91-11-41898801).

• Claims for which prior intimation has not been given to the Assistance Companies must be lodged with Tata AIG within 30 days. However it is advisable to register a claim abroad by informing the assistance companies on the applicable numbers (refer the policy certificate for the same).
• If the individual has traveled back to India they may use one of the following methods to file a claim and mention the policy/certificate number:
  • Call the Toll Free Number on 1800 119966 (toll fee from BSNL/MTNL lines)
  • SMS “CLAIM” to 8888
  • Send a mail to [email protected]

It is not necessary to visit any particular hospital. You may visit any hospital or call up the Assistance Company and can get the medical referrals near to your place. Pre-existing illness/sickness/treatment is an exclusion under the policy.

Medicines prescribed by the treating doctor during the course of the treatment as per the policy terms and conditions.

In case of reimbursements, the claims are settled within 7 working days.

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.

Insured is free to approach any hospital at his convenience. However, our assistance company in Americas is 'AIG IS' and for Non-Americas is 'ISOS'. Incase of any emergency, the insured needs to contact our assistance company if time permits.

This benefit is applicable only for emergency situations which are not under the control of the insured.

We have two Assistance companies currently servicing Tata AIG on claims. AIG Crossborder Services, LLC. (AIG IS or AIG Assist) is the Assistance company in North & South America (including Canada) while International SOS (ISOS) is the Assistance company in Rest of the World.

Time bound claims settlement and Cashless Hospitalization arrangement facility at pre-designated healthcare service points of delivery like hospitals, nursing homes (subject to policy conditions and necessary authorizations)

Reimbursement & Cashless settlement are the two types of claims settlement.

Wherein the insured himself settles hospital bills and subsequently prefers the claim on Tata AIG through the Assistance Company or directly with the company. Reimbursement of claims takes 7 working days on submission of complete documentation. This will be applicable for all Outpatient Claims.

Cashless settlement means the AIG IS or ISOS will pay up to 100% of the claim to the hospital in case of hospitalization in the preferred network (subject to deductibles under the policy conditions). The same will be done either by placing a Guarantee of Payment (GOP) or making a payment to the hospital. This will be applicable for all Inpatient Claims provided the same is Admissible under the policy.

Network Hospitals are those hospitals that AIG IS & ISOS has entered into a Memorandum of Understanding across the world to enable Cashless Hospitalization for the insured enlisted under the policy.

Planned & Emergency hospitalization are the two types of cashless hospitalization.

Wherein the hospitalization is scheduled for a future date either for treatment or surgery based on doctor's advice.

1. Assistance Contact Details for AIG IS – North & South America
   1-866-866-2619 (Toll Free) / 713-260-5519 (Call Collect)
2. Assistance Nos for ISOS – Rest of the World
   0091-11-41898860 (Toll Outside Americas)

During discharge of the patient and on preparation of the final bill, all expenses that are not payable under the terms and conditions of the travel insurance policy will have to be paid by the patient to hospital. AIG IS & ISOS will directly pay the allowed expenses to the hospital.

The reimbursement claims settlement shall be made by cheque payment which will be sent directly to the Insured’s address in India. Please furnish accurate details to ensure fast and efficient settlement of claims on the claims form.

All queries may be directed to [email protected].

Cover commences from the moment the Insured clears immigration at the international airport in India and ceases on landing and clearing immigration at any international airport in India or until policy expiry date whichever is earlier.

Yes, you can extend the policy for any single trip not exceeding 180 days. Any extension of the policy is treated as a new policy for the incremental number of days. A fresh certificate of insurance is issued through Tata AIG to the concerned travelers for the extended duration. The form at tata aig travel renew extension has to be filled.

It should be noted that extension must be approved one week prior to the end date of the policy in force and no break in insurance will be entertained for.

No, there is no need for medical examination to buy the policy.

You can cancel the policy and a refund will be allowed. The policy may be cancelled at the instance of the Company. Advance notices are not necessary and retroactive cancellations are not permitted. Please email all cancellation requests to [email protected]

A new policy would have to issued and the previous policy cancelled by sending an intimation to Tata AIG and/or your Company’s travel agent.

No, checked out baggage loss during forward and return journey is not covered under the policy.

Contact the toll free numbers printed on the face of your certificate.

Yes, you will get reimbursement if you make the payment at the hospital (In India, You will get in Indian Rupees).

Yes, it is necessary that you call the assistance company before taking any action.

If the information contained in the request is insufficient for AIG IS/ISOS to arrive at a decision and the same is not available for any reason.
The ailment for which hospitalization sought is not covered under the terms and conditions of your travel insurance policy.
The treatment is for a pre existing condition
The claim amount exceeds the policy limits for a particular claim

Hospitalization can be of two types:

Planned Hospitalization:
This happens when you have ample time to plan your admission to the hospital. For example, if the doctor advises surgery and says that you can undergo the surgery anytime in this month, it gives you time to plan you surgery.
In such cases, it is prudent to send the preauthorization request to AIG IS/ISOS at least 72 hours before your planned admission. This will ensure a hassle-free admission procedure for you at the hospital.

Emergency Hospitalization:
This happens typically in case of emergencies such as a road traffic accident. There is no planning involved in the hospitalization. In such situations, the Authentication Certificate can be shown at the hospital to avail cashless admission facility. The preauthorization/claim intimation request can be sent to AIG IS/ISOS within four hours after admission.
It is therefore prudent that every insured individual should carry their Travel Insurance Policy Certificate with them at all times. You can never predict an emergency !

For claims relating to Baggage Loss/Delay, Passport Loss, Trip Delay please keep necessary proofs of documents relating to this incidence as well as bills for expenses incurred as a direct result of the said incident. For e.g. For Passport Loss, documents such as Police FIR, Duplicate passport issuance charges, other incidental expenses can be claimed under this head provide bills for the same are available.

Once all bills are available, submit the same to the assistance company along with the claim form for a reimbursement. The list of documents to be submitted for all travel emergency claims are also available on the intranet site.