TATA AIG Insurance Plans

TATA AIG Pre-existing Medical Conditions insurance

Tata AIG Pre-existing Conditions quotes

       
Destination
No. of traveler
Date of birth
or age   years
Start date
Total Days: 
End date

TATA AIG Pre-existing Conditions insurance features

  • Coverage available for all age group including senior citizens and parents
  • Pre-existing ailments covered up to $1,500
  • Coverage under life threatening situations

TATA AIG Travel Insurance review

TATA AIG Travel Insurance
Sum Insured
USD 50,000 to 5,00,000
Number of policies issued *
509,990
Claims settlement ratio **
66.59%
Number of lives covered *
827,689
Incurred claims ratio
62%
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Tata AIG’s Travel Guard Pre-existing Conditions benefits

  • Coverages
  • Benefits

Tata AIG’s Travel Guard Pre-existing Conditions Coverage

Quite often Indians travelling overseas look for insurance coverage for pre-existing conditions. Tata AIG has designed a product Travel Guard Insurance that offers coverage for pre-existing diseases under certain conditions:
  • Covered under life threatening situations
  • Reimbursement up to $1,500 for the expenses spent while treating an illness
  • After the traveller becomes stable from the life threatening situation further expenses must be taken care of by the traveller

Tata AIG overseas travel insurance benefits for Pre-existing conditions

Benefits
(in US$)
Silver
$50,000
Silver Plus
$100,000
Gold
$250,000
Platinum
$500,000
Senior Plan
$50,000
Accidental Death & Dismemberment (Common Carrier) NA 5,000 5,000 5,000 NA
Accident and Sickness Medical Expenses Reimbursement
Deductible: 100
50,000 100,000 250,000 500,000 50,000
Sickness Dental Relief 300 400 500 1,000 300
Emergency Medical Evacuation Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement
Repatriation of Remains Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement Included under the benefit limit of accident & Sickness medical expense reimbursement
Baggage Delay Benefit (After first 12 hrs) 50 100 200 500 50
Checked Baggage Loss Benefit 500 750 1,000 1,000 500
Loss of Passport
Deductible: 30
250 250 250 250 250
Personal Liability
Deductible: 200
1,00,000 1,50,000 2,00,000 5,00,000 1,00,000
Flight Delay NA Included Included Included NA
Hijack NA Included Included Included NA
Emergency cash advance 500 750 1,000 1,500 500
Fraudulent charges (Payment card security) 500 500 1,000 2,000 -
Home Burglary (in Rs) Rs 1,00,000 Rs 1,00,000 Rs 2,00,000 Rs 2,00,000 -
Trip Cancellation 500
Deductible: 50
500
Deductible: 50
750
Deductible: 75
1,000
Deductible: 100
-
Trip Curtailment 500
Deductible: 50
500
Deductible: 50
750
Deductible: 75
1,000
Deductible: 100
-
Missed Connection / Missed Departure 500
Deductible: 50
500
Deductible: 50
750
Deductible: 75
1,000
Deductible: 100
-
Bounced Hotel / Airline Booking 500
Deductible: 50
500
Deductible: 50
750
Deductible: 75
1,000
Deductible: 100
-

Pre-existing Condition or any complication arising from it in a Life saving unforeseen emergency condition would be reimbursed up to $1,500 per policy.

Frequently asked questions for Tata AIG Pre Existing Conditions coverage

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.

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Tata AIG Travel Health Insurance products

Travel Insurance Travel Insurance

TATA AIG's Travel Guard is a "Global Travel Protection" policy that any resident of Indian can buy

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Annual Multi Trip Annual Multi Trip

TATA AIG’s Annual Multi Trip Plan is an ideal plan for business or corporate travelers taking multiple trips in a year.
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Senior Citizen Senior Citizen

Senior Citizens (70+ years ) can buy travel medical insurance up to maximum 180 days.

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Travel Asia Travel Asia

Tata AIG’s Asia Travel Guard Insurance is ideal for the individuals travelling to Asian countries.

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Brochure

Review TATA AIG Travel Insurance - Pre-existing Medical Conditions brochure to understand coverage details.

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Proposal form

Fill the online TATA AIG Travel Insurance -Pre-existing Medical Conditions proposal form.


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Policy wordings

Review TATA AIG Travel Insurance - Pre-existing Medical Conditions policy wordings which explains the terms and conditions.

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Tata AIG travel insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy Tata AIG travel medical insurance after approval.

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Tata AIG Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.


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Tata AIG Travel Insurance Claims & Customer care

In case of a claim or reimbursement of treatment expenses, notify Tata AIG by contacting them.


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Tata AIG Travel Insurance Policy Wordings

Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.

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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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