Buy Tata AIG Travel Insurance for Pre-Existing Conditions — Fast, Simple, Secure!
Trusted by Indian travelers, Tata AIG Travel Insurance for Pre-Existing Conditions covers medical emergencies, trip delays, baggage loss, and more.
TATA AIG travel insurance for pre-existing conditions
Travelling with a pre-existing health condition can bring uncertainties, but buying the right travel insurance shouldn't add to your worries while planning your trip. TATA AIG’s travel insurance provides limited coverage for declared pre-existing medical conditions.
Why Buy TATA AIG 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
What is a pre-existing medical condition?
A pre-existing condition usually means any medical condition for which medical advice, diagnosis, care or treatment was recommended or received, 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 and this is offered only in a Life-Threatening scenario.
What is covered under pre-existing benefit?
The Pre Existing benefit coverage is a sublimit under Medical Expenses which pays for Emergency measures till the time You become Medically Stable or relieved from Acute Pain. Importantly this is payable in the case of a Life-Threatening condition, which is defined as a condition which is potentially fatal, and if left untreated can lead to death. The coverage is upto the Sum Insured mentioned in the Policy schedule. All further medical cost to improve or maintain medically stable state or to prevent the onset of acute pain would be borne by You
Does Tata AIG travel insurance cover pre-existing conditions?
- Coverage available for all age group including Senior Citizens and Parents for 180 days and beyond
- Pre-existing Conditions covered from $1,500 to $20,000 depending on the plan opted for
- Pre-existing Conditions covered only for Declared Medical conditions under Life Threatening situations
What is a "Life-Threatening Emergency"?
A life-threatening emergency means a medical condition suffered by the Insured Person, which is potentially fatal, and if left untreated can lead to death.
The treatment for these emergency measures would be paid till the time Insured Person become medically stable or is relieved from acute pain. All further medical cost to improve or maintain medically stable state or to prevent the onset of acute pain would be borne by Insured Person. The liability is payable as per terms and conditions of the policy document.
Example: If you’re hospitalized for a heart attack abroad, TATA AIG will cover emergency treatment and stabilization costs. Once your condition is under control and no longer critical, further treatment (like long-term medication) won’t be covered. The insurance company goes by the doctors report to decide whether your treated medical condition was life threatening or not. The liability is paid as per terms and conditions of the policy.-
Benefits Silver Sublimits With sublimit / Without Sublimit Age 6 months - 70 years Destination Worldwide cover Sum Insured for Accident & Sickness Medical Expenses Up to $50,000 Pre Existing Disease Coverage (only in case of life threatening conditions) Benefit amount varies by variant Emergency Medical Evacuation Up to USD 50,000 Repatriation of Mortal Remains Typically up to a percentage of the Sum Insured Accidental Death & Disablement Benefit amounts depend on variant Emergency Medical Dental Expenses Benefit amounts depend on variant Delay of Checked-in Baggage Benefit amount as specified in policy schedule (could be around USD 40-USD 100) Loss of Checked-in Baggage Benefit amount as per plan (for example USD 200 in earlier versions Loss of Passport Benefit amount (e.g., around USD 250 in earlier versions) Trip Curtailment Benefit amounts indicated in schedule (e.g., USD 500 in earlier versions) Trip Cancellation $500 Missed Flight/Connection Benefit amount as per plan schedule (e.g., USD 250 in earlier versions) -
Benefits Silver Plus Silver Plus Plan A Silver Plus Plan B Sublimits With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit Age 3 months - 70 years 3 months - 70 years 3 months - 70 years Destination All countries covered, Excluding politically disturbed countries Worldwide Worldwide Sum Insured for Accident & Sickness Medical Expenses Up to $100,000 Up to $100,000 Up to $100,000 Pre Existing Disease Coverage (only in case of life threatening conditions) Up to $5,000 Up to $5,000 Up to $5,000 Emergency Medical Evacuation Up to $100,000 Up to $100,000 Up to $100,000 Repatriation of Mortal Remains Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Accidental Death & Disablement Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Emergency Medical Dental Expenses $400 $400 $400 Delay of Checked-in Baggage $40 - $40 Loss of Checked-in Baggage $200 - $200 Loss of Passport $250 - $250 Trip Curtailment $500 - $500 Trip Cancellation $500 - $500 Missed Flight/Connection $250 - $250 -
Benefits Gold Gold Plan A Gold Plan B Sublimits With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit Age 3 months - 70 years 3 months - 70 years 3 months - 70 years Destination All countries covered, Excluding politically disturbed countries Worldwide Worldwide Sum Insured for Accident & Sickness Medical Expenses Up to $250,000 Up to $250,000 Up to $250,000 Pre Existing Disease Coverage (only in case of life threatening conditions) Up to $10,000 Up to $10,000 Up to $10,000 Emergency Medical Evacuation Up to $250,000 Up to $250,000 Up to $250,000 Repatriation of Mortal Remains Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Accidental Death & Disablement Accidental Death: Maximum $15,000
Accidental Disablement: Maximum $15,000
Benefit Total - Maximum $15,000Accidental Death: Maximum $15,000
Accidental Disablement: Maximum $15,000
Benefit Total - Maximum $15,000Accidental Death: Maximum $15,000
Accidental Disablement: Maximum $15,000
Benefit Total - Maximum $15,000Emergency Medical Dental Expenses $500 $500 $500 Delay of Checked-in Baggage $45 - $45 Loss of Checked-in Baggage $300 - $300 Loss of Passport $250 - $250 Trip Curtailment $750 - $750 Trip Cancellation $750 - $750 Flight Delay $45 For all overseas flights taken during Insured Trip - $45 For all overseas flights taken during Insured Trip Personal Liability $200,000 - - Missed Flight/Connection $500 - $500 -
Benefits Platinum Platinum Plan A Platinum Plan B Sublimits With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit Age 3 months - 70 years 3 months - 70 years 3 months - 70 years Destination All countries covered, Excluding politically disturbed countries Worldwide Worldwide Sum Insured for Accident & Sickness Medical Expenses Up to $500,000 Up to $500,000 Up to $500,000 Pre Existing Disease Coverage (only in case of life threatening conditions) Up to $10,000 Up to $12,500 Up to $12,500 Emergency Medical Evacuation Up to $500,000 Up to $500,000 Up to $500,000 Repatriation of Mortal Remains Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Up to 25% of Accident & Sickness Sum Insured Accidental Death & Disablement Accidental Death: Maximum $25,000
Accidental Disablement: Maximum $25,000
Benefit Total - Maximum $25,000Accidental Death: Maximum $25,000
Accidental Disablement: Maximum $25,000
Benefit Total - Maximum $25,000Accidental Death: Maximum $25,000
Accidental Disablement: Maximum $25,000
Benefit Total - Maximum $25,000Emergency Medical Dental Expenses $1,000 $1,000 $1,000 Delay of Checked-in Baggage $50 - $50 Loss of Checked-in Baggage $300 - $300 Loss of Passport $250 - $250 Trip Curtailment $1,000 - $1,000 Trip Cancellation $1,000 - $1,000 Flight Delay $50 For all overseas flights taken during Insured Trip - $50 For all overseas flights taken during Insured Trip Personal Liability $500,000 - - Missed Flight/Connection $750 - $750 -
Benefits Titanium Sublimits With sublimit / Without Sublimit Age 3 months - 60 years Destination All countries covered, Excluding politically disturbed countries Sum Insured for Accident & Sickness Medical Expenses Up to $750,000 Pre Existing Disease Coverage (only in case of life threatening conditions) Up to $15,000 Emergency Medical Evacuation Up to $750,000 Repatriation of Mortal Remains Up to 25% of Accident & Sickness Sum Insured Accidental Death & Disablement Accidental Death: Maximum $50,000
Accidental Disablement: Maximum $50,000
Benefit Total - Maximum $50,000Emergency Medical Dental Expenses $1,000 Delay of Checked-in Baggage $50 Loss of Checked-in Baggage $400 Loss of Passport $500 Trip Curtailment $1,000 Trip Cancellation $1,000 Flight Delay $50 For all overseas flights taken during Insured Trip Personal Liability $500,000 Missed Flight/Connection $750 -
Benefits Titanium Plus Sublimits With sublimit / Without Sublimit Age 3 months - 60 years Destination All countries covered, Excluding politically disturbed countries Sum Insured for Accident & Sickness Medical Expenses Up to $1,000,000 Pre Existing Disease Coverage (only in case of life threatening conditions) Up to $20,000 Emergency Medical Evacuation Up to $1,000,000 Repatriation of Mortal Remains Up to 25% of Accident & Sickness Sum Insured Accidental Death & Disablement Accidental Death: Maximum $75,000
Accidental Disablement: Maximum $75,000
Benefit Total - Maximum $75,000Emergency Medical Dental Expenses $1,200 Delay of Checked-in Baggage $50 Loss of Checked-in Baggage $500 Loss of Passport $500 Trip Curtailment $1,500 Trip Cancellation $1,500 Flight Delay $50 For all overseas flights taken during Insured Trip Personal Liability $500,000 Missed Flight/Connection $750 -
Benefits Senior Senior Plus Super Senior Sublimits With sublimit / Without Sublimit With sublimit / Without Sublimit With sublimit / Without Sublimit Age 71-80 years 71-80 years 81+ years Destination All countries covered, Excluding politically disturbed countries All countries covered, Excluding politically disturbed countries All countries covered, Excluding politically disturbed countries Sum Insured for Accident & Sickness Medical Expenses Upto $50,000 Upto $100,000 Upto $50,000 Pre Existing Disease Coverage (only in case of life threatening conditions) Upto $2,500 Upto $3,000 Upto $1,500 Emergency Medical Evacuation Up to $50,000 Up to $100,000 Up to $50,000 Repatriation of Mortal Remains Upto 25% of Accident & Sickness Sum Insured Upto 25% of Accident & Sickness Sum Insured Upto 25% of Accident & Sickness Sum Insured Accidental Death & Disablement Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Emergency Medical Dental Expenses $300 $500 - Delay of Checked-in Baggage $40 $40 $40 Loss of Checked-in Baggage $200 $200 $200 Loss of Passport $250 $250 $250 Trip Curtailment $500 $500 $500 Trip Cancellation $250 $500 $250 Flight Delay $40 For all overseas flights taken during Insured Trip $40 For all overseas flights taken during Insured Trip $40 For all overseas flights taken during Insured Trip Personal Liability $1,00,000
Deductible : $200$1,00,000
Deductible : $200$1,00,000
Deductible : $200Missed Flight/Connection $250 $250 $250
How Much Does TATA AIG TATA AIG Travel Insurance for Pre-Existing Conditions Cost?
The cost for TATA AIG Insurance for International Travel starts at ₹23 per day, with plans offering between $50,000 and $1,000,000. Key benefits include medical expenses, emergency evacuation, baggage protection, and trip cancellation — ideal for travelers seeking either budget or premium international coverage.
| 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.
What Is the Cheapest TATA AIG Travel Insurance for Pre-Existing Conditions?
The Cheapest TATA AIG Travel Insurance for Pre-Existing Conditions from TATA AIG is the Silver Plan starting at ₹23/day*
- ✓ Coverage up to $50,000
- ✓ Emergency evacuation $50,000
- ✓ Personal liability $100,000
Which Is the Best TATA AIG Travel Insurance for Pre-Existing Conditions?
The Best TATA AIG Travel Insurance for Pre-Existing Conditions from TATA AIG is Gold plan, starting at ₹31/day*
- ✓ Coverage up to $250,000
- ✓ Emergency evacuation $250,000
- ✓ Personal liability $200,000
Why Choose TATA AIG Travel Insurance for Pre-Existing Conditions?
Tata AIG travel insurance International plus makes you and your family travel with confidence, even with pre-existing medical conditions. Here are the few important factors which makes you to choose Tata AIG travel insurance as the best travel insurance for pre-existing medical conditions.- Wide age eligibility: Travelers aged 3 months to 99+ years are eligible to buy this plan.
- Multiple plan options: Policy maximum or the sum insured ranges from $50,000 to $1000,000 USD under different plan names like Silver, Silver Plus, Gold, Platinum, Titanium, Senior, Senior plus and Super Senior plans. Each plan offers different coverage limits and sub limits to suit your needs and budget. These plans are available based on the traveler age.
- Coverage limits for pre-existing: Ranging from $1,500 to $20,000, depending on the plan and age of the traveler.
- Pre-existing conditions covered: Only under life-threatening pre-existing medical conditions are eligible for coverage.
- Global protection: Travel with confidence anywhere in the world excluding politically disturbed countries.
- Comprehensive Benefits: Along with pre-existing condition coverage under life-threatening, these plans offer other benefits like baggage loss and delay, flight delay, trip cancellation, missed connection, emergency medical evacuation, repatriation of mortal remains and more. The benefits offered vary from plan to plan. Please go through the policy terms and conditions before you purchase the plan online.
- Exclusions: Routine checkups or non-life-threatening medical conditions are not covered.
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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 for Pre-Existing Conditions 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)
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FAQ About TATA AIG Travel Insurance for Pre-Existing Conditions
A Life threatening condition is an unforeseen medical emergency, which as per definition is a condition which is potentially fatal, and if left untreated can lead to death. In such an event, Medical Expenses which pays for emergency measures till the time you become Medically Stable or relieved from Acute Pain will be reimbursed upto a limit specified in the policy. This coverage under the Tata AIG plans are available from $1,500 upto $20,000.
There are no specific diseases excluded from 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 limited cover ranging from $1,500 upto $20,000 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. The Pre Existing benefit coverage is a sublimit under Medical Expenses which pays for Emergency measures till the time You become Medically Stable or relieved from Acute Pain.
There is no specific age limitation or restriction for coverage of Pre Existing diseases. Under all Tata AIG plans, there are specified limits of pre-existing coverage. One must note that Tata AIG offers pre existing coverage only in life threatening situations.
You will need to submit the Claim Form along with the Discharge Summary from the hospital, the Doctor’s certification along with the Original Medical bills and payment receipts for a reimbursement claim. For a Cashless claim, you will need to inform the Assistance Company abroad to coordinate with the hospital. Please note that the Hospital Summary by the Attending Physician needs to certify that the expenses incurred were related to a declared pre-existing condition.
If you do not declare your pre-existing medical condition and you are hospitalised on account of such a condition, the claim will be denied/repudiated by the insurance company. The pre-existing conditions declared need to be displayed on the Certificate of Insurance to remain covered.