Tips to find best travel insurance
Tips to find good and adequate international travel health insurance.
Know more »USD 50,000 / 1 Lakh / 2.5 Lakhs / 5 Lakhs / 7.5 Lakhs / 10 Lakhs
360 days
180 days to 99 years
58.9%
63%
6,05,894
7,40,370
Age group | Plan Name | Policy Maximum (USD) | Maximum liability (USD) |
---|---|---|---|
3 months to 70 years | Silver Plan | $50,000 | Up to $2,500 |
Silver Plus plan | $100,000 | Up to $5,000 | |
Gold Plan | $250,000 | Up to $10,000 | |
Platinum Plan | $500,000 | Up to $12,500 | |
Titanium Plan | $750,000 | Up to $15,000 | |
Titanium plus Plan | $1,000,000 | Up to $20,000 | |
71 months to 80 years | Senior Plan | $50,000 | Up to $2,500 |
Senior plus Plan | $100,000 | Up to $3,000 | |
81 + years | Super Senior Plan | $50,000 | Up to $1,500 |
A pre-existing condition usually means any medical condition for which medical advice, diagnosis, care or treatment was recommended or received,upto 48 months prior to the insured traveling abroad. Many insurance plans exclude coverage of pre existing conditions and treatment arising out of them. Some insurance companies like Tata AIG offer a restricted cover for Pre Existing Conditions.
A Life threatening condition is an unforeseen medical emergency, which puts the life of the insured at extreme risk. In such event, 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 upto a limit specified in the policy. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain. 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. This coverage under the Tata AIG plan is $1,500.
There are no specific exclusions under Tata AIG’s pre existing conditions of Travel Insurance. It is just that due to a pre existing condition in a Life Threatening situation, the Tata AIG travel insurance plan offers a restricted cover of $1,500 to ensure the insured is medically stabilized. For eg. If an insured is suffering from Hypertension, any treatment as a result of this condition in a Life Threatening situation will remain covered.
The insured traveler will need to go through the policy terms and conditions (policy wordings) sent to them along with the Certificate of Insurance and refer to the “Pre Existing Condition” under the Accident & Sickness Medical Expense Reimbursement section to reconfirm this coverage.
There is no specific age limitation or restriction for coverage of Pre Existing diseases, but one must note that Tata AIG offers pre existing coverage only in life threatening situations.
The TATA AIG pre existing disease cost per month starts at just ₹1,466 for coverage Worldwide Excluding USA & Canada. The monthly cost depends on factors such as the Traveler's age and plan maximum. Higher plan limits result in higher premiums.
For example, here is the TATA AIG travel insurance pre existing conditions cost per month for coverage Worldwide Excluding USA & Canada.Worldwide Excluding USA & Canada | ||
---|---|---|
Plan Name | Policy maximum (US $) | Cost for one month |
Travel Guard Plus Silver | $50,000 | ₹1,466 |
Travel Guard Plus Silver Plus | $1,00,000 | ₹1,811 |
Travel Guard Plus Gold | $2,50,000 | ₹2,142 |
Travel Guard Plus Platinum | $5,00,000 | ₹2,515 |
Titanium | $7,50,000 | ₹2,991 |
Titanium Plus | $7,50,000 | ₹3,625 |
The TATA AIG pre existing disease cost per month starts at just ₹3,216 for 51 years old traveler, Worldwide Including USA & Canada. The monthly cost depends on factors such as the Traveler's age and plan maximum. Higher plan limits result in higher premiums.
For example, here is the TATA AIG travel insurance pre existing conditions cost per month for coverage Worldwide Including USA & Canada.Worldwide Including USA & Canada | ||
---|---|---|
Plan Name | Policy maximum (US $) | Cost for one month |
Travel Guard Plus Silver | $50,000 | ₹3,216 |
Travel Guard Plus Silver Plus | $1,00,000 | ₹3,553 |
Travel Guard Plus Gold | $2,50,000 | ₹4,593 |
Travel Guard Plus Platinum | $5,00,000 | ₹5,102 |
Titanium | $7,50,000 | ₹6,406 |
Titanium Plus | $7,50,000 | ₹7,543 |
Travel Health Risks for Senior Citizens and importance of India travel insurance
Know more »Tips to find good and adequate international travel health insurance.
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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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