Tips to find best travel insurance
Tips to find good and adequate international travel health insurance.
Know more »50,000 / 100,000 / 250,000 / 500,000 / 750,000 / 1,000,000
180 days
3 months to 99 years
When looking for the "best" and "cheapest" Tata AIG travel insurance for parents, it's important to understand that these two aspects often have an inverse relationship, especially for older travelers. The "cheapest" plan might not offer the "best" or most comprehensive coverage, which is crucial given the high cost of overseas medical care.
Tata AIG primarily offers its Travel Guard and Travel Guard Plus series, with specific variants tailored for senior citizens.
Key Features to Look For (making it "Best"): High Sum Insured (Medical Coverage):Tata AIG aims to provide comprehensive international travel medical coverage for parents through several key features and plan options, particularly with their Senior Citizen Travel Insurance plans and higher-tier comprehensive options.
Here's how they ensure this, focusing on what "comprehensive" means in this context for older travelers
Silver, Silver Plus, Gold, Platinum, Titanium, and Titanium Plus travel insurance plans are available with or without sublimit options, offering coverage for all countries except politically disturbed regions. The premium displayed for travelers traveling outside the USA
Senior, Senior Plus and Super Senior Plus travel insurance plans are available with or without sublimit options, offering coverage for all countries except politically disturbed regions.
The Tata AIG parents travel insurance cost per month starts at just ₹1,466 for coverage Worldwide Excluding USA & Canada. Tata AIG parents travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG parents travel insurance plan variants.
Tata AIG travel insurance for parents outside USA & CanadaPlan Name | 50-60 years | 61-70 years |
---|---|---|
Silver $50,000 | ₹1,466 | ₹2,874 |
Silver Plus $100,000 | ₹1,811 | ₹3,674 |
Gold $250,000 | ₹2,142 | ₹4,174 |
Platinum $500,000 | ₹2,515 | ₹4,699 |
Titanium $750,000 | ₹2,991 | - |
Titanium Plus $1,000,000 | ₹3,625 | - |
Plan Name | 71-75 years | 76-80 years |
---|---|---|
Senior $50,000 | ₹5,845 | ₹7,202 |
Senior Plus $100,000 | ₹6,604 | ₹9,352 |
Plan Name | 81-85 years | 86-90 years | 91-98 years | 99 years |
---|---|---|---|---|
Super Senior $50,000 | ₹13,936 | ₹23,842 | ₹32,511 | ₹55,490 |
The Tata AIG parents travel insurance cost per month starts at just ₹3,216 for coverage Worldwide Including USA & Canada. Tata AIG parents travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG parents travel insurance plan variants.
Tata AIG travel insurance for parents in USA & CanadaPlan Name | 50-60 years | 61-70 years |
---|---|---|
Silver $50,000 | ₹3,216 | ₹6,175 |
Silver Plus $100,000 | ₹3,553 | ₹7,156 |
Gold $250,000 | ₹4,593 | ₹8,768 |
Platinum $500,000 | ₹5,102 | ₹9,403 |
Titanium $750,000 | ₹6,406 | - |
Titanium Plus $1,000,000 | ₹7,543 | - |
Plan Name | 71-75 years | 76-80 years |
---|---|---|
Senior $50,000 | ₹9,097 | ₹12,998 |
Senior Plus $100,000 | ₹12,571 | ₹17,922 |
Plan Name | 81-85 years | 86-90 years | 91-98 years | 99 years |
---|---|---|---|---|
Super Senior $50,000 | ₹25,504 | ₹40,975 | ₹51,634 | ₹103,396 |
Coverage is automatically extended for up to 60 days or until discharge, whichever is earlier. If the return is delayed due to unforeseen circumstances (like a flight cancellation), the policy is extended by 7 days
Generally, travel insurance must be purchased before departure. However, in special cases (if departure is just before insurance is required), you can seek underwriting approval by submitting a good health declaration and a nil claim declaration
The policy covers reasonable expenses for obtaining a new passport if it is lost or stolen abroad
The coverage for Pre Existing Conditions in Life Threatening situations is limited to $1,500 for Indian Parents availing Tata AIG’s travel insurance plans. Medical treatment solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/Accident arising out of a pre-existing condition will be reimbursed uptothis limit specified in the policy. All further medical treatment costs to improve or maintain medically stable state of the insured or to prevent the onset of acute pain will have borne by the Insured.
Tata AIG has two plans for parents who are traveling going abroad. Under Travel Guard’ standard International Plan coverage can be availed for for insureds upto 70 years of age (as on the date of travel). They also offer a Senior Citizen Plan which is available for insured parents beyond the age of 70 years and this plan does not have an upper age restriction and hence any traveler above the age of 70 years can purchase this plan. So depending on the age of the one’s parents, one can choose the appropriate plan from Tata AIG.
No, travel insurance has to be purchased/availed by the insured traveler prior to their departure from India. However as a special case, if their departure from India is a few days prior to the requirement of travel insurance, a specific underwriting approval will need to taken from the insurance company after providing them a good health declaration and a nil claim declaration and subject to such an approval, an insurance policy insuring the parents can be bought.
Travel Health Risks for Senior Citizens and importance of India travel insurance
Know more »Tips to find good and adequate international travel health insurance.
Know more »Comparison of overseas Healthcare cost and popular tourist destinations.
Know more »How to use visitor insurance in case of sudden sickness and accidents.
Know more »You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.
Know more »Travelers who have already traveled from India and do not have insurance can buy Tata AIG travel medical insurance after getting the approval.
Know more »TATA AIG health insurance renewal customers can renew existing policy online before the exipry date at any time.
Know more »In case of a claim or reimbursement of treatment expenses, notify Tata AIG by contacting them.
Know more »Kindly refer the Policy Wordings for complete coverage details along with terms and conditions.
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