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TATA AIG travel insurance for pre-existing conditions | Benefits | Silver | Silver Plus | Gold | Platinum | Titanium | Titanium Plus |
|---|---|---|---|---|---|---|
| Sublimits: ? | With sublimit / Without Sublimit | |||||
| Age: ? | 3 months - 70 years | |||||
| Destination: ? | All countries covered,Excluding politically disturbed countries | |||||
| Sum Insured for :? Accident & Sickness | Up to $50,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
Up to $750,000 Deductible : $100 |
Up to $1,000,000 Deductible : $100 |
| Pre Existing Disease : ? Coverage (only in case of life threatening conditions) | Up to $2,500 | Up to $5,000 | Up to $10,000 | Up to $10,000 | Up to $15,000 | Up to $20,000 |
| Emergency Medical : ? Evacuation (covered within Accident & Sickness Sum Insured) | Up to $50,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
Up to $750,000 Deductible : $100 |
Up to $1,000,000 Deductible : $100 |
| 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 | 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 (Overseas) | Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000 |
Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000 |
Accidental Death: Maximum $50,000 Accidental Disablement: Maximum $50,000Benefit Total - Maximum $50,000 |
Accidental Death: Maximum $75,000 Accidental Disablement: Maximum $75,000Benefit Total - Maximum $75,000 |
| Emergency Medical : ? Dental Expenses | $300 Deductible : $50 |
$400 Deductible : $50 |
$500 Deductible : $50 |
$1,000 Deductible : $50 |
$1,000 Deductible : $50 |
$1,200 Deductible : $50 |
| Delay of Checked-in Baggage : ? | $40 Deductible : After 4 hours |
$40 Deductible : After 4 hours |
$45 Deductible : After 4 hours |
$50 Deductible : After 4 hours |
$50 Deductible : After 4 hours |
$50 Deductible : After 4 hours |
| Loss of Checked-in Baggage : ? | $200 | $200 | $300 | $300 | $400 | $500 |
| Loss of Passport : ? | $250 Deductible : $25 |
$250 Deductible : $25 |
$250 Deductible : $25 |
$250 Deductible : $25 |
$500 Deductible : $25 |
$500 Deductible : $25 |
| Trip Curtailment : ? | $500 Deductible : $50 |
$500 Deductible : $50 |
$750 Deductible : $75 |
$1,000 Deductible : $100 |
$1,000 Deductible : $100 |
$1,500 Deductible : $100 |
| Trip Cancellation : ? | $500 Deductible : $50 |
$500 Deductible : $50 |
$750 Deductible : $50 |
$1,000 Deductible : $100 |
$1,000 Deductible : $100 |
$1,500 Deductible : $100 |
| Missed Flight/Connection : ? | $250 | $250 | $500 | $750 | $750 | $750 |
| Bounced Hotel/Airline booking : ? | $500 Deductible : $50 |
$500 Deductible : $50 |
$750 Deductible : $75 |
$1,000 Deductible : $100 |
$2,500 Deductible : $100 |
$5,000 Deductible : $100 |
| Fraudulent Charges : ? | Per Occurrence Limit $250; Maximum Limit $500 | Per Occurrence Limit $250; Maximum Limit $500 | Per Occurrence Limit $500; Maximum Limit $1000 | Per Occurrence Limit $1000; Maximum Limit $2000 | Per Occurrence Limit $1250; Maximum Limit $2500 | Per Occurrence Limit $1250; Maximum Limit $2500 |
| Home Content Burglary (in INR) : ? | ₹ 50,000 Deductible : ₹ 5,000 |
₹ 50,000 Deductible : ₹ 5,000 |
₹ 1,50,000 Deductible : ₹ 5,000 |
₹ 2,50,000 Deductible : ₹ 5,000 |
₹ 5,00,000 Deductible : ₹ 5,000 |
₹ 5,00,000 Deductible : ₹ 5,000 |
| Accommodation Extension : ? | $100 per day upto Maximum of 10 days | $250 per day upto Maximum of 10 days | $300 per day upto Maximum of 10 days | $750 per day upto Maximum of 10 days | $1000 per day upto Maximum of 10 days | $1000 per day upto Maximum of 10 days |
| Hijack/Kidnap Daily Allowance | - | $75 for every 12 hours, upto Maximum of 10 days | $100 Per 12 hours, upto Maximum of 10 days | $150 Per 12 hours, upto Maximum of 10 days | $150 Per 12 hours, upto Maximum of 10 days | $200 Per 12 hours, upto Maximum of 10 days |
| Loss of International driving license | - | $100 | $100 | $100 | $150 | $150 |
| Flight Cancellation | - | $75 | $75 | $150 | $200 | $250 |
| Emergency Extension of the Policy : ? | 7 days | 7 days | 7 days | 15 days | 15 days | 15 days |
| Loss of Personal Baggage | - | - | $200 Deductible : $30 |
$300 Deductible : $30 |
$400 Deductible : $30 |
$500 Deductible : $30 |
| Personal Accident in India (in INR) | - | - | ₹ 15,00,000 | Rs. 20,00,000 | Rs. 25,00,000 | Rs. 50,00,000 |
| Compassionate Travel/Stay | - | - | - | Upto $3,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member |
| Loss of Cash | - | - | - | $125 | $250 | $375 |
| Upgradation to Business Class | - | - | - | - | $750 | $1,000 |
| Rental Vehicle Cover | - | - | - | - | $500 | $500 |
| Rental Vehicle Return | - | - | - | - | $250 | $500 |
| Alternative Transport Expenses | - | - | - | - | $750 | $1,000 |
| Pandemic Cover | - | - | - | - | $500 | $500 |
| Hospital Daily Cash (Per Day) | - | - | - | - | - | $75 Per day, upto Maximum of 10 days |
| Missed Booking | - | - | - | - | - | $750 |
| Visa Rejection | - | - | - | - | - | $100 |
| Personal Liability | $100,000 Deductible : $200 |
$100,000 Deductible : $200 |
$200,000 Deductible : $200 |
$500,000 Deductible : $250 |
$500,000 Deductible : $250 |
$500,000 Deductible : $250 |
| Flight Delay : ? | - | - | $45 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMITS'
| Medical Sublimit | Silver | Silver Plus | Gold | Platinum | Titanium | Titanium Plus |
|---|---|---|---|---|---|---|
| Hospital Room Rent and Boarding expenses | $1,500 per day up to 30 days | $1,500 per day up to 30 days | $1,750 per day up to 30 days | $2,000 per day up to 30 days | $2,000 per day up to 30 days | $2,500 per day up to 30 days |
| Emergency Room Services | $1,500 | $1,500 | $1,750 | $2,000 | $2,000 | $2,500 |
| ICU Charges | $3,000 per day up to 7 days | $3,000 per day up to 7 days | $3,250 per day up to 7 days | $3,750 per day up to 10 days | $3,750 per day up to 10 days | $4,000 per day up to 10 days |
| Surgical Treatment Expenses | $12,500 | $12,500 | $13,000 | $15,000 | $15,000 | $22,500 |
| 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | |
| Physician Consultation Charges | $125 per day up to 10 visits | $125 per day up to 10 visits | $175 per day up to 10 visits | $250 per day up to 10 visits | $250 per day up to 10 visits | $350 per day up to 10 visits |
| Diagnostic Tests | Up to $750 | Up to $750 | Up to $1,000 | Up to $1,500 | Up to $1,500 | Up to $2,500 |
| Ambulance Service (Not applicable for Outpatient Treatment) | Up to $500 | Up to $500 | Up to $600 | Up to $750 | Up to $750 | Up to $1,000 |
| Pharmacy | Up to $2,000 | Up to $2,000 | Up to $2,000 | Up to $2,000 | Up to $2,000 | Up to $2,000 |
| Miscellaneous Expenses | Up to $500 | Up to $500 | Up to $500 | Up to $500 | Up to $500 | Up to $500 |
| Emergency Room Services | $27,500 | $27,500 | $30,000 | $35,000 | $35,000 | $40,000 |
| Non-Surgical (Medical Management cases) | $13,000 | $13,000 | $15,000 | $17,500 | $17,500 | $20,000 |
| 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 | Upto $50,000 Deductible : $100 |
Upto $100,000 Deductible : $100 |
Upto $50,000 Deductible : $100 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Upto $2,500 | Upto $3,000 | Upto $1,500 |
| Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $50,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Up to $50,000 Deductible : $100 |
| 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 (Overseas) | Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
| Emergency Medical Dental Expenses | $300 Deductible : $75 |
$500 Deductible : $75 |
Not Available Deductible : Not available |
| Delay of Checked-in Baggage | $40 Deductible : After 4 hours |
$40 Deductible : After 4 hours |
$40 Deductible : After 4 hours |
| Loss of Checked-in Baggage | $200 | $200 | $200 |
| Loss of Passport | $250 Deductible : $25 |
$250 Deductible : $25 |
$250 Deductible : $25 |
| Personal Liability | $1,00,000 Deductible : $200 |
$1,00,000 Deductible : $200 |
$1,00,000 Deductible : $200 |
| Trip Curtailment | $500 Deductible : $100 |
$500 Deductible : $100 |
$500 Deductible : $100 |
| Trip Cancellation | $250 Deductible : $50 |
$500 Deductible : $50 |
$250 Deductible : $50 |
| Flight Delay | $40 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$40 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$40 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
| Missed Flight/Connection | $250 | $250 | $250 |
| Bounced Hotel/Airline booking | $500 Deductible : $50 |
$500 Deductible : $75 |
$250 Deductible : $50 |
| Home Content Burglary (in INR) | ₹50,000 Deductible : ₹5,000 |
₹50,000 Deductible : ₹5,000 |
₹50,000 Deductible : ₹5,000 |
| Accommodation Extension | $50 per day upto Maximum of 10 days | $100 per day upto Maximum of 10 days | $50 per day upto Maximum of 10 days |
| Hijack/Kidnap Daily Allowance | $75 Per 12 hours, upto Maximum of 10 days | $100 Per 12 hours, upto Maximum of 10 days | $75 Per 12 hours, upto Maximum of 10 days |
| Loss of International driving license | - | - | - |
| Flight Cancellation | - | $75 | - |
| Emergency Extension of the Policy | 7 days | 7 days | 7 days |
| Loss of Personal Baggage | Not Available Deductible : Not Available |
$200 Deductible : $30 |
Not Available Deductible : Not Available |
| Compassionate Travel/Stay | Upto $2,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $2,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member |
| Medical Sublimit | Senior | Senior Plus | Super Senior Plus |
|---|---|---|---|
| Hospital Room Rent and Boarding expenses | $1,500 per day up to 30 days | $1,500 per day up to 30 days | $1,500 per day up to 30 days |
| Emergency Room Services | $1,500 | $1,500 | $1,500 |
| ICU Charges | $3,000 per day up to 7 days | $3,000 per day up to 7 days | $3,000 per day up to 7 days |
| Surgical Treatment Expenses | $12,500 | $12,500 | $12,500 |
| 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | |
| Physician Consultation Charges | $125 per day upto 10 visits | $125 per day upto 10 visits | $125 per day upto 10 visits |
| Diagnostic Tests | Up to $750 | Up to $750 | Up to $750 |
| Ambulance Service (Not applicable for Outpatient Treatment) | Up to $500 | Up to $500 | Up to $500 |
| Pharmacy | Up to $2,000 | Up to $2,000 | Up to $2,000 |
| Miscellaneous Expenses | Up to $500 | Up to $500 | Up to $500 |
| Emergency Room Services (Total) | $27,500 | $27,500 | $27,500 |
| Non-Surgical (Medical Management cases) | $13,000 | $13,000 | $13,000 |
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.
TATA AIG Travel Insurance for pre-existing conditions cost per month starts at just ₹1,466 per month (30-day plan) for a 45-year-old traveler, for Worldwide coverage excluding USA & Canada. The premium varies based on key factors such as the traveler’s age, destination, and chosen coverage limit. Higher sum insured options lead to increased monthly premiums.
For example, the monthly cost (30-day plan) of TATA AIG travel insurance with pre-existing condition coverage for Worldwide (excluding USA & Canada)| Worldwide Excluding USA & Canada (Premiums inclusive of GST @18%) | ||
|---|---|---|
| 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 |
TATA AIG travel insurance for pre-existing condition cost starts at just ₹3,216 per month (30-day plan) for a 51-year-old traveler, with coverage Worldwide Including USA & Canada. Premiums vary based on factors such as the traveler's age, destination, and the chosen sum insured. Plans with higher coverage limits come with higher monthly premiums.
For example, here’s the estimated monthly cost (30-day duration) for TATA AIG travel insurance covering pre-existing conditions in regions including the USA and Canada.| Worldwide Including USA & Canada (Premiums inclusive of GST @18%) | ||
|---|---|---|
| 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.
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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