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TATA AIG travel insurance for pre-existing conditionsTravelling 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.
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.
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
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 $10,000 |
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 | $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 $15,000 |
Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000 |
Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000 |
| Emergency 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 $25,000 |
Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000 |
Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000 |
| Emergency 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 $50,000 |
| Emergency 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 $75,000 |
| Emergency 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 $10,000 |
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 | $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 : $200 |
| Missed Flight/Connection | $250 | $250 | $250 |
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.
*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.
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.
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.
Buy Travel Insurance online using a UPI, credit/debit card, NEFT, RTGS or cheque.
Know more »For Claim or reimbursement, Contact TATA AIG via toll-free helpline.
Know more »Download TATA AIG Travel Insurance brochure online!
Know more »Renew your TATA AIG travel insurance policy online anytime before expiry.
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If your trip gets delayed or extended, you can easily extend or renew your TATA AIG international travel insurance while traveling abroad, 100% online and hassle-free.
Get round-the-clock TATA AIG travel insurance claims support, emergency medical help, hospital coordination, and assistance during your overseas journey anywhere in the world from Tata AIG Claims Department.
Indian travelers who want to extend or renew TATA AIG travel insurance can complete the TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.
The following documents are required for extending/renewing the policy:
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