Buy Tata AIG Travel Insurance Without Sublimits — Fast, Simple, Secure!
Trusted by Indian travelers, Tata AIG Travel Insurance Without Sublimits covers medical emergencies, trip delays, baggage loss, and more.
Tata AIG Travel Insurance Without Sublimits
Planning an international trip from India? Get covered with TATA AIG comprehensive travel insurance coverage with no sublimits, one of India’s most reliable and globally recognized insurance provider. The travel insurance plans offered by TATA AIG are popular among parents, seniors, students and business travellers because of its exclusive benefits.
Why Choose Tata AIG’s No Sublimit Travel Insurance?
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Starting Premium
₹23/day*
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Coverage
3 Months – 99 Years
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Coverage Available
Upto $1,000,000
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Discounts
Multiple Travelers?
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Duration
360 Days
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Support Available
24/7
TATA AIG Travel Insurance – Quotes with 0% GST
Why Should I Choose a No Sublimit Plan?
Customer looking for comprehensive coverage should most definitely opt for the NIL Sublimit plan, despite the premium difference, because they are then assured of:
- Higher Medical coverage available for all treatments, which is critical given the cost of medical services abroad
- Almost NIL Out-of-Pocket Costs to be paid by the insured for medical treatment
- Simpler Claims Process
What Does “Without Sublimits” Meaning in Travel Insurance?
Sublimits, by definition in Travel Insurance policies are extra caps or limitations in an insurance policy's coverage of certain losses, primarily Sickness Medical expenses. They are part of the original sum insured limit, and set a maximum limit to cover a specific loss or for a specific medical expense. Unlike the total Sum Insured, which is the maximum amount payable by the insurer for a particular medical event, a sublimit restricts the payout for particular categories, such as medical treatments, room rent, or specific procedures, to a lower, predefined amount. 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. In other words, a Sublimit in travel insurance is a specific monetary cap placed on certain types of claims or expenses within your overall policy coverage.
Who Is Eligible to Buy a Plan Without Sublimits?
There is no specific eligibility for buying a Tata AIG plan without sublimits. For all travelers above the age of 56 years and 99 years, Tata AIG offers both plans With and Without sublimits. The coverages under both the plan options are the same athough the premiums for the NIL Sublimit plan are higher that the plan With Sublimits. However the coverages for Medical Expenses are significantly higher in a plan Without Sublimits. Plans are especially popular among senior citizens due to comprehensive medical coverage.
What Is the Difference Between a Limit and a Sublimit?
With the simple comparison we can understand in a better way.
| Parameter | Limit | Sublimit |
|---|---|---|
| Definition | Limit is the overall maximum amount your policy will pay for covered expenses. | A sublimit is a specific cap on how much you can claim for certain benefits within that overall policy limit |
| Example | A Tata AIG policy with $50,000 for medical expenses means all eligible medical expenses combined together during your trip. | A Tata AIG policy with $50,000 for medical expenses with sublimit on room rent $2,000 per day and maximum 2 days, Surgery $10,000. If there is surgery bill of $12,000. You will get only $10,000 as there is a caping on surgery. |
Advantages & Disadvantages of Buying Without Sublimits Travel Insurance
Advantages
- Comprehensive Coverage: You can get complete insurance benefit amount for any covered claim without worrying about specific limits of any category. If you have a policy has $50,000 medical coverage, then you can use full amount for any single medical claim.
- No out of pocket expenses: With the no sublimit plan, there are very less chancess that you have to make payment for the expenses you incurred from your pocket.
- Simple claims process: Since you are having without sublimits plans and capping involved, then claims process and settlement will be easy.
- Better for High-Cost Destinations: Typically when you are traveling to countries where cost of living and medical treatment is very high. It is good to buy plan without sublimit plan. For example when you are traveling to USA, better to have comprehensive plan.
- Suitable for Elderly parents: When you are elderly parents are traveling overseas, they are at high risk of falling sick or more prone to unforeseen medical emergencies. Hence it is advisable parents should buy without sublimit plan.
Disadvantages
- Higher premiums: Premiums of without sublimit plans are little higher when compared to plans with capping in benefits.
- Not All Risks Covered: Even no sublimit plans do not cover all the risks for example pre-existing medical conditions are covered only for a limited amount and under life threatening situations only.
- Potential for Over-Insurance: If your trips to overseas is short, you are healthy with no pre-existing medical history or visiting countries with affordable healthcare. Then you might feel of being over insured and spent extra money which you were not supposed to.
- Potential for Overuse or Abuse: With no sublimits plans, there are high chances that misuse of this insurance like fraudulent claims might happen. This might lead to stricter underwriting rules or increase in premiums
Who & When Should You Opt for No-Sublimit Coverage?
The no-sublimit travel insurance from Tata AIG offers maximum medical protection abroad by covering eligible expenses up to the total policy limit—without restricting room rent, surgery, or diagnostics. This type of coverage is ideal in the following situations:
| Situation | Why It's Recommended |
|---|---|
| Senior travelers (age 50+) | Higher risk of medical emergencies and hospitalization. Strongly recommended. |
| Pre-existing or chronic conditions | Safer option to avoid out-of-pocket costs for hospital stays or urgent care. |
| Travel to high-cost countries (USA, UK, Canada, Europe) | Medical treatment is expensive—even basic care. No-sublimit plans offer better coverage. |
| Frequent or long-term international travel | Increased exposure to health risks over time. Full coverage without internal caps is ideal. |
| Short trips to nearby/low-cost countries (Asia, ≤15 days) | No-sublimit cover is optional, depending on your health and risk tolerance. |
| Travelers concerned about quality care | Ensures access to better hospitals without worrying about capped benefits. |
Choosing a no-sublimit travel insurance policy means simpler claims processing, higher financial protection, and peace of mind — especially for high-risk or high-cost travel situations.
How Do These Sublimits in TATA AIG Travel Insurance Plans Work?
Sublimits are specific caps on certain benefits in a travel insurance plan. They are part of the overall sum insured and do not provide extra coverage; instead, they set a maximum amount payable for specific medical expenses. Sublimits can be a fixed dollar amount or a percentage of the coverage.
In TATA AIG travel insurance, sublimits usually apply to travelers aged 56 years and above. Certain benefits, such as hospital room rent, surgery, ICU, ambulance, and diagnostic tests, may have a maximum limit.
For example:- You need surgery costing $12,000, but your plan has a surgery sublimit of $10,000.
- The insurance company will pay $10,000, even though you have a higher sum insured.
Factors to Consider Before Choosing a No Sublimit Plan
If you select a TATA AIG travel insurance policy without sub-limits, please be aware of the following:- Higher Costs: Travel insurance policies without sub-limits may be more expensive than travel insurance policies that represent a similar level of coverage; however, policies without sub-limits will typically offer broader coverage with fewer restrictions in a medical emergency.
- Underwriting or Disclosures: If you are over age 65, during the underwriting process, insurers may ask for more medical information on a case-by-case basis.
- Deductibles and Copays: Standard deductibles or copays could still apply even if there are no sub-limits on your policy.
- Limits of coverage: It is important to clarify the scope of no sub-limits in medical treatment, etc. For instance, it is important to clarify if the no sub-limits is for all medical expenses (room rents, ICU, diagnostics, surgery, etc.) or in relation to specific types of benefits.
- Age of Owner, and Health Conditions: If the insured is older than a certain age and/or if there are known health conditions that require disclosure, clarify if there are limits to either situation for coverage.
- Policy Exclusions: As with almost all plans, there are treatments that are not covered, even with normal travel insurance plans; examples include treatment for adventure sports that are excluded or routine preventative checkups that may be less relevant to travel in general.
How Much Do TATA AIG No Sublimit Travel Insurance Plans Cost?
TATA AIG no sublimit travel insurance plans start at just ₹23 per day, offering coverage ranging from $50,000 to $1,000,000. These plans provide comprehensive benefits including medical expenses, emergency evacuation, baggage protection, and trip cancellation — perfect for travelers looking for both budget-friendly and premium international coverage without caps on specific medical expenses.
| Plan | Medical Cover | Pre-existing Conditions | Baggage Loss | Trip Cancellation | Starting Price |
|---|---|---|---|---|---|
| Silver | $50,000 | Up to $2,500 | $200 | $500 | ₹23/day* |
| Silver Plus | $1 lakh | Up to $5,000 | $200 | $500 | ₹29/day* |
| Gold | $2.5 lakh | Up to $10,000 | $300 | $750 | ₹32/day* |
| Platinum | $5 lakh | Up to $12,500 | $300 | $1,000 | ₹40/day* |
| Titanium | $7.5 lakh | Up to $15,000 | $400 | $1,000 | ₹45/day* |
| Titanium Plus | $10 lakh | Up to $20,000 | $500 | $1,500 | ₹55/day* |
*Price shown is for a 60-day trip to Singapore for an adult aged 35. Premiums vary by age, trip duration & destination. Get an instant quote for your trip.
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How to Buy the Plan?
Buy Travel Insurance online using UPI, credit/debit card, NEFT, RTGS, or cheque.
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How to Make a Claim?
For claim or reimbursement, contact TATA AIG via toll-free helpline.
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How are Claims settled?
Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.
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TATA AIG Travel Brochure
Download TATA AIG Travel Insurance brochure online!
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TATA AIG Policy Renewal
Renew your TATA AIG travel insurance policy online anytime before expiry.
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How Can I Extend or Renew My TATA AIG Travel Insurance Policy While Outside India?
Indian travelers who want to extend or renew TATA AIG travel insurance can complete the Tata AIG Travel Insurance Without Sublimits renewal request form online and we will try to get an approval for you.
The following documents are required for extending/renewing the policy:
- Filled & signed Good health declaration
- Passport (first and last page & stamp page of the departure)
- Air ticket copy of onward journey (traveled from India to overseas)
Compare Tata AIG Travel Insurance with Other Providers
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Cost Comparison: Plans With vs Without Sublimits
Example: Why No-Sublimit Coverage Matters
Mr. Ramesh, aged 58, traveled to the U.S. for three months. He suffered Met with an acciddent and was hospitalized for 2 days. The total bill came to USD 16,000. With a regular plan he stayed 2 days in hospital with 1 day in ICU $3,000 that capped room rent at USD 1,500 per day and surgery at USD 10,000, his reimbursement was only USD 14,000. With a no-sublimit plan, the full amount (minus deductible) would have been paid.
| Feature | TATA AIG Plan with Sublimits | TATA AIG Plan without Sublimits |
|---|---|---|
| Room rent limit | USD 1,500 / day | No cap — up to policy limit |
| Surgery cost limit | USD 10,000 / incident | No cap — up to policy limit |
| ICU limit | USD 2,000 / day | No cap — up to policy limit |
| Premium | Lower | Slightly higher |
| Ideal for | Budget travelers | Long term / senior travelers |
TATA AIG Travel Insurance Without Sub-Limits – Frequently Asked Questions
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What is sublimit in travel insurance?
In simple terms, a sub-limit is a cap on certain benefits in your travel insurance policy. It means that for specific treatments or services, the insurance will pay only up to a fixed amount, even if your total sum insured is higher. Sub-limits can be a fixed amount or a percentage of the total sum insured.
In TATA AIG travel insurance, sub-limits typically apply to travelers aged 56 years and above.
Benefit Name Benefit Amount Ambulance Charges $400 Hospital Room rent, Board and Hospital miscellaneous $1,500 per day up to 30 days. Intensive Care Unit $3,000 per day up to 7 days. Surgical Treatment $10,000 Anesthetist Services up to 25% of Surgical Treatment Physician's Visit $75 per day up to 10 visits Diagnostic and Pre-Admission Testing up to $500
What is without sublimits in travel insurance?
A TATA AIG travel insurance plan without sub-limits allows you to claim expenses up to your total sum insured without any on specific benefits. This means you do not need to worry whether medical expenses such as room rent, ICU charges, or ambulance costs fall within a sub-limit—your coverage is up to the policy maximum.
Plans without sub-limits are available for travelers who pay an additional premium, allowing them to waive all limitations and enjoy complete coverage.
For example, travelers aged 56 years and above can get a waiver of sub-limits for medical expenses:
What Are the Benefits of Choosing a TATA AIG Travel Insurance Plan Without Sublimits?
TATA AIG travel insurance plans with no sublimits offer a wider range of coverage and flexibility while you travel. Instead of having specific limits on certain medical expenses such as hospital room rent, doctor consultation fees, or surgical costs, these plans will allow for medical expenses, up to the total amount you have insured, giving you peace of mind while traveling with respect to being able to choose better hospitals/ better treatment without concern for hidden limits on the underlying costs.
How much does TATA AIG travel insurance plan without sublimit cost?
TATA AIG travel insurance plan without sublimit start at just 23* per day. Tata AIG travel insurance cost varies with insurance coverage, age, duration of travel, destination. Travelers who opt for the plan without sublimits have to pay more when compared to the plan with sub limits insured plans. However having no sub-limits provides significantly higher coverage.
Unfortunately only the sub-limits plans are available for senior citizens. However they can get a waiver of benefits and get full benefits coverage by paying additional premium.
Benefit Name Benefit Amount
(sub limits apply)Benefit Amount
(waiver of sub limits)Ambulance Charges $400 These sub limits are waived off by paying additional premium and the benefit is covered up to policy maximum Hospital Room rent, Board and Hospital miscellaneous $1,500 per day up to 30 days. Intensive Care Unit $3,000 per day up to 7 days. Surgical Treatment $10,000 Anesthetist Services up to 25% of Surgical Treatment Physician's Visit $75 per day up to 10 visits Diagnostic and Pre-Admission Testing up to $500
Are there any hidden Sublimits even in “no sublimit” plans?
Yes — even “no sublimit” plans from Tata AIG may still have some limits, restrictions, or Conditions.
How much extra premium do I need to pay to get “no sublimits”?
it depends heavily on your age, destination, sum insured, trip duration, etc.
- Travel Insurance Plan Name: TATA AIG Travel insurance
- Traveler’s Age: 56 years, Sum Insured: $50,000, Trip Duration: 15 days, Destination: Australia
- Premium With Sublimits: ~ ₹841
- Premium Without Sublimits: ~ ₹1,099
- So, in that case, “no sublimits” costs about ₹258 more, which is roughly 31% extra over the sublimit version premium.
Is “no sublimit” mandatory for visa / immigration?
Yes, Tata AIG offers a “Visa Compliant Travel Insurance for Schengen Visa” plan.
Can I remove sublimits after buying a policy?
No. You must choose the “no-sublimit” option while purchasing.
Will my claim be processed faster if I have no sublimits?
The processing time is the same, but claim assessment is simpler since caps don’t need verification.
Are sublimits applied to all expenses?
Typically, yes — room rent, ICU, and surgeries have separate caps. Removing sublimits lifts those restrictions.
Does no-sublimit mean unlimited coverage?
No. Your total payout is still limited to your chosen sum insured (for example, USD 250,000).
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How can I renew my TATA AIG travel policy? How do I extend my TATA AIG travel insurance?
You can renew the TATA AIG policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.
Can I extend my TATA AIG travel insurance while abroad?
The policy can be purchased initially for any number of days and up to 360 days. It you extend your stay in overseas, you can extend your travel insurance while being abroad. Fill the TATA AIG insurance policy renewal form so that our insurance advisors will help you to renew your policy. Now travelers of any age group, can renew the policy. They should be in good health, no claims on the existing policy and the policy has not expired.
Summary of No Sublimit Travel Insurance
If three or more of the following apply to you:
- You’re traveling to a high medical cost country (like the UK, USA, etc.)
- You are aged 56 or above
- You prioritize peace of mind over saving a few hundred rupees
- You have a pre-existing medical condition or history