TATA AIG Travel Insurance - Asia Travel Guard

TATA AIG Asia Travel Guard Insurance - Benefit Table

Benefits	Silver	Gold	Deductible
Accidental Death and Dismemberment Benefit(24 Hrs)?The policy will pay the insured Principal Sum shown in the Policy Schedule if Injury to The insured results in loss of life and a percentage of the Principal Sum shown in the Policy Schedule if Injury to The insured results in losses of hands, legs, ears & eyes. The loss must occur under the circumstances described in a Hazard within 365 Days from the date of the Accident which caused Injury. If more than one loss results from any one Accident, only one amount, the largest, will be paid.	10,000	15,000	N/A
Accident and Sickness Medical Expenses Reimbursement *?The policy will pay The insured the Reasonable and Customary Charges, subject to the Deductible shown in the Policy Schedule, for Covered Medical Expenses incurred overseas by The insured for medical services which are not due to a Pre-existing Condition up to the maximum amount and benefit period stated in the Policy Schedule for the treatment of an Injury or Sickness sustained by The insured under the circumstances described in a Hazard during an Insured Journey while this Policy is in effect.	50,000	200,000	100
Assistance Services	Included	Included	N/A
Medical Evacuation ***?The insurance company pays the Reasonable and Customary Charges up to the maximum shown in the Policy Schedule for covered expenses incurred under the circumstances described in a Hazard during the course of an overseas Insured Journey if, Injury or Sickness results in Your necessary Emergency evacuation. An Emergency Evacuation must be ordered by the Assistance Company or a Physician who certifies that the severity or the nature of insured's Injury or Sickness warrants insured's Emergency Evacuation.	Included	Included	N/A
Repatriation of Remains ***?Means the Assistance Company agrees to make the necessary arrangements for the return of the insured's remains to India in the event that the insured died while this service agreement is in effect as to the insured.	Included	Included	N/A
Checked Baggage Delay?The insurance company will reimburse The insured for the expense of necessary personal effects, up to the maximum stated in the Policy Schedule, if The insured's Checked Baggage is delayed or misdirected by a Common Carrier under the circumstances described in a Hazard during the course of an Insured Journey for more than the Deductible shown on the Policy Schedule from the time The insured arrive at the destination stated on insured's ticket. Benefits will be reduced by the amount paid or payable by the responsible Common Carrier.	N/A	75	N/A
Checked Baggage Loss Benefit?The insurance company will pay benefits, in the case of permanent loss of an entire piece of Checked Baggage, held in the care, custody and control of a Common Carrier, due to theft or due to misdirection by a Common Carrier or due to non- delivery at its destination while The insured is a ticketed passenger on the Common Carrier under the circumstances described in a Hazard during the course of an Insured Journey. Benefits will only be payable in case of the loss of an entire piece of checked baggage, and not for damage to the luggage or partial loss of its contents. The insurance company will reimburse The insured, subject to the Deductible and up to the maximum shown in the Policy Schedule, for the cost of replacement of the entire baggage and its contents. All claims must be verified by the Common Carrier.	500	1000	N/A
Loss of Passport ###?The insurance company will reimburse The insured, subject to any Deductible, if The insured lose passport under the circumstances described in a Hazard during the course of an Insured Journey and incur necessary and reasonable expenses in connection with obtaining a duplicate or new passport up to the maximum stated in the Policy Schedule. The Deductible, if any, shall apply to each insured event and shall be borne by the insured.	250	250	30
Personal Liability ###?Personal Liability If a claim is made or a suit is brought against The insured for Property Damage caused by an overseas Occurrence to which this coverage applies, The insurance company pays up to the maximum amount stated in the Policy Schedule, subject to any applicable Deductible, for the company's limit of liability for the damages for which The insured's are legally liable.	1,00,000	2,00,000	200

TATA AIG Asia Travel Guard Insurance - Coverage Benefits Personal Accident 24-hr personal accident cover upto US$ 15,000. Medical Expenses Cover Reimbursement of medical expenses due to accident and sickness. Emergency Medical Evacuation and Repatriation In the event of a medical emergency, we will arrange for the evacuation and transportation to move an ill or injured traveler to another location where appropriate. Policy provides for repatriation of remains in case of unfortunate death of the insured while on trip. Checked Baggage Loss Compensation for the loss of checked in baggage. Loss of Passport Compensation for expenses incurred in obtaining a duplicate or new passport. Checked Baggage Delay Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival checked in baggage, whilst overseas. Personal Liability Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

TATA AIG Asia Travel Guard Insurance - Assistance Services

• Medical Services provider referral
• Arrangement of hospital admissions
• Lost luggage assistance
• Emergency Travel Services
• Embassy referral services
• Claims procedure information services

+ Sublimits Applicable for age 56-70 yrs. * Hospital Room, Boarding & Hosp. Misc: Max 1500$ per day 30 days whichever is less* ICU: Max 3000$ per day upto 7 days which ever is less* Surgical Treatment: Maximum 10,000$ Anesthetist Services: Upto 25% of surgical treatment * physician's visit: Max $75 perday upto 10 visit. * Diagnostic & Preadmission testing: Max 500$ * Ambulance Services: Max 400$ Please refer policy document for other Assistance Services.

TATA AIG Asia Travel Guard Insurance - Countries Covered

Afghanistan, Armenia, Azerbaijan, Bahrain, Bangladesh, Bhutan, Brunei, Burma (Myanmar), Cambodia, China, Hongkong, Indonesia, Iran, Iraq, Israel, Jordan, Kazakistan, Kuwait, Kyrgysztan, Laos, Lebanon, Malaysia, Maldives, Mangolia, Nepal, Oman, Pakistan, Phillippines, Qatar, Saudi Arabia, Singapore, Sri Lanka, Syria, Taiwan, Tajikistan, Thailand, Turkey, Turkmenistan, UAE, Uzbekistan, Vietnam, Yemen.

TATA AIG Asia Travel Guard Insurance - Exclusions

This policy does not cover expenses directly or indirectly in respect of : traveling against the advise of a physician, for obtaining treatment, pre-existing ailments & complications arising out of them, suicide or attempted suicide, war, illegal acts, traveling under the influence of drugs, terrorism, dangerous sports etc. Please refer to the policy wordings for other exclusions.