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Tips to find good and adequate international travel health insurance.
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TATA AIG Pre-existing medical conditions insuranceUSD 50,000 to 500,000
58.9%
63%
6,05,894
7,40,370
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:
| Silver $50,000 |
Silver Plus $100,000 |
Gold $250,000 |
Platinum $500,000 |
Senior Plan $50,000 |
|---|---|---|---|---|
| Accident and Sickness Medical Expenses Reimbursement (Deductible $100)help | ||||
| $50,000 | $100,000 | $250,000 | $500,000 | $50,000 |
| Accidental Death and Dismemberment (Common Carrier)help | ||||
| N/A | $5,000 | $5,000 | $5,000 | N/A |
| Emergency Sickness Dental Expensehelp | ||||
| $300 | $400 | $500 | $1,000 | $300 |
| Emergency MedicalEvacuationhelp | ||||
| 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 Remainshelp | ||||
| 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)help | ||||
| $50 | $100 | $200 | $500 | $50 |
| Checked Baggage Loss Benefithelp | ||||
| $500 | $750 | $1,000 | $1,000 | $500 |
| Loss of Passport (Deductible $30)help | ||||
| $250 | $250 | $250 | $250 | $250 |
| Personal Liability(Deductible $200)help | ||||
| $100,000 | $150,000 | $200,000 | $500,000 | $100,000 |
| Hijackhelp | ||||
| N/A | Included | Included | Included | N/A |
| Emergency Cash Advancehelp | ||||
| $500 | $750 | $1,000 | $1,500 | $500 |
| Fraudulent Charges (Payment Card Security) | ||||
| $500 | $500 | $1,000 | $2,000 | -- |
| Home Burglary (In Rs.) | ||||
| Rs.100,000 | Rs.100,000 | Rs.200,000 | Rs.200,000 | -- |
| 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.
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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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.
Know more »Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.
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