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TATA AIG Travel Insurance

TATA AIG’s Travel insurance program covers the insured from any unforeseen emergency while traveling abroad or within India, on Business or for Leisure. The plans are ideal for travelers going to any country across the world including the USA, Canada, Europe, South East Asia or Australia. The travelers can also remain covered throughout their travel to any destination in India on any mode of transport.

Tata AIG General Insurance Company Limited is an Indian General Insurance company and a joint venture between the Tata Group and American International Group, one of the global leader in General Insurance based out of the USA. Tata Group holds a 51 percent stake in the insurance venture with AIG holding the balance of 49 percent. Tata AIG General Insurance Company Limited celebrated 18 years of service this year (2018) since it commenced operations in India on January 22, 2001. The company offers a range of general insurance covers for businesses and individuals and has a comprehensive range of general insurance products for Liability, Marine Cargo, Personal Accident, Travel, Rural-Agriculture Insurance, Extended Warranty etc. Each product offering is backed by professional expertise. Tata AIG General Insurance Company Limited has a workforce of 5174 employees and is present in 187 locations across India. Tata AIG is one of the leaders in Travel Insurance offerings in India in terms of their range of products and claim services provided.
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TATA AIG Overseas Travel Insurance

Travel insurance satisfies the Schengen Visa insurance requirements as mandated by Schengen state consulates. Travel Guard (Travel Arm of AIG Inc), the largest travel insurance company in the world delivers "their promise" to the customers. This has access to Travel Guard’s Global expertise - so you get the services of a multilingual team familiar with local conditions and situations. The plans set benchmarks on service excellence, worldwide coverage and value for money not forgetting ease of purchase and quick and fair claims settlement.

How to buy a Travel Policy online?

There is a simple online application for travelers to complete and enroll to purchase TATA AIG’s travel insurance. Once the online application is filled completely, travelers can use a credit / debit card /other modes or cheque to make the payment of premium for their policy. Travelers can purchase this travel insurance online from anywhere in the world. Many of our customers are in the USA, Canada, UK, Europe and Australia and buy this insurance online for family members traveling overseas from India. It must be noted that policies can be purchased for only those travelers, traveling out from India. A confirmation email will be sent to the travel insurance customer immediately after the completion of purchase process and paying the requisite premium. Those who are paying via cheque can forward the same to the mailing address of Eindiainsurance office specified on the application. Please note that the payment has to be received prior to commencement of travel.

Tata AIG’s Travel Insurance Products

Tata AIG is today one of the leading Travel Insurers in the India market servicing both the retail and corporate markets. The travel insurance products that they offer in the market are :

Travel Guard

Travel Guard is a product specifically for International Travelers who are traveling on business or leisure to any destination across the world. This is the largest selling plan for Tata AIG and it is the most comprehensive in terms of Benefit Coverage and Sum Insured options.
Benefits
(Sum(s)insured in US$)
Single Trip
(Including & Excluding the Americas)
Annual Multi-Trip
(Worldwide)
Silver
$50,000
Silver Plus
$100,000
Gold
$250,000
Platinum
$500,000
Gold
$250,000
Platinum
$500,000
Accident and Sickness Medical Expenses Reimbursement 
Deductible $100
50,000 100,000 250,000 500,000 250,000 500,000
Accidental Death and Dismemberment Benefit(24 Hrs) 10,000 10,000 15,000 25,000 15,000 25,000
Accidental Death & Dismemberment (Common Carrier)
N/A 5,000 5,000 5,000 5,000 5,000
Emergency Sickness Dental Expense
Deductible $150
300 400 500 1,000 500 1,000
Emergency MedicalEvacuation * 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 Included under the benefit limit of accident & Sickness medical expense reimbursement
Repatriation of Remains * 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 Included under the benefit limit of accident & Sickness medical expense reimbursement
Baggage Delay Benefit
After first 12 hrs
50 100 200 500 100 200
Checked Baggage Loss Benefit#

500

750

1,000

1,000 1,000 1,000
Loss of Passport 
Deductible $30
250 250 250 250 250 250
Personal Liability 
Deductible $200
100,000 150,000 200,000 500,000 200,000 200,000
 
Hijack *
Deductible $100
N/A Included Included Included Included Included
Automatic extension of policy upto 7 days Available Available Available Available Available Available
Emergency Cash Advance 500 750 1,000 1,500 1,000 1,500
Fraudulent Charges:
(Payment Card Security)
500 500 1,000 2,000 1,000 2,000
Home Burglary :(In Rs.) Rs.100,000 Rs.100,000 Rs.200,000 Rs.200,000 Rs.200,000 Rs.200,000
Trip Cancellation 500
(Deductible 50)
500
(Deductible 50)
750
(Deductible 75)
1,000
(Deductible 100)
750
(Deductible 75)
1,000
(Deductible 100)
Trip Curtailment 500
(Deductible 50)
500
(Deductible 50)
750
(Deductible 75)
1,000
(Deductible 100)
750
(Deductible 75)
1,000
(Deductible 100)
Missed Connection/Missed Departure 500
(Deductible 50)
500
(Deductible 50)
750
(Deductible 75)
1,000
(Deductible 100)
750
(Deductible 75)
1,000
(Deductible 100)
Bounced Hotel /Airline booking 500
(Deductible 50)
500
(Deductible 50)
750
(Deductible 75)
1,000
(Deductible 100)
750
(Deductible 75)
1,000
(Deductible 100)

Note :
Pre-existing ailments or medical conditions are covered up to $1500 only incase of life threatening situation.
* Included under the benefit limit of Accident and Sickness Medical Expenses Reimbursement
# Maximum amount to be reimbursed per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured

Sub Limits - The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMIT'

Hospital Room and Board and Hospital miscellaneous Max $1,500 per day upto 30 days whichever is less.
Intensive Care Unit Max $3,000 per day upto 7 days whichever is less.
Surgical Treatment Max $10,000
Anesthetist Services Upto 25% of Surgical Treatment
Physician's Visit Max $75 per Day upto 10 visits
Diagnostic and Pre-Admission Testing Max $500
Ambulance Services Max $400


Tata AIG currently offers seven variants of their International Travel Insurance product - five variants of Single Trip plans offering different Accident & Sickness (A&S) with Sum insureds like Silver Plan – US$50,000, Silver Plus Plan - US$100,000, Gold Plan - US$250,000 and Platinum Plan - US$500,000 and a recently introduced Senior Plan with a coverage of UDS $50,000. Apart from the Single Trip plans, they offer two variants of Annual Multi Trip Plans with different A&S coverage - Gold Plan - US$250,000 and Platinum Plan - US$500,000.

Eligibility

  • Policy is available for all entry ages under different plans from the age of 6 months onwards till 70 years of age for all plans except the Senior Citizen plan, which has an entry age of 71 years.
  • Travel insurance is available for the maximum of 180 days under the Single Trip Plans.
  • Traveller should hold either an Indian citizen with an Indian passport, PIO Card (Persons of Indian Origin Card) or OCI Card (Overseas Citizen of India Card)
  • Traveller should be traveling out from India and be available in India while purchasing the TATA AIG Policy

Features

  • Coverage of Medical Expenses Travel Guard takes care of your medical expenses due to Accident and Sickness while traveling so that you can concentrate on enjoying the holiday without any stress.
  • Checked Baggage Loss Compensation for the loss of checked in baggage in the custody of the common carrier.
  • Baggage delay Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.
  • Loss of Passport Compensation for expenses incurred directly in obtaining a duplicate or new passport abroad.
  • 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.
  • Hijacking In an unfortunate event of your common carrier in which you are travelling; being hijacked, this product will pay a distress allowance to you.
  • In-hospital Indemnity The Policy pays a Daily benefit for each day you are an inpatient in a hospital due to injury or sickness.
  • Trip Delay Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).
  • Automatic-extension of the policy Travel Guard allows you to extend your policy upto a period of 7 days from the policy expiry date in the unfortunate event of Delay by the scheduled airline, which is beyond the control of the insured.
  • Personal Accident Travel Guard gives you worldwide coverage against Accidental Death and Dismemberment following an accident during your trip.
  • Sickness Dental Relief The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.
  • Other Benefits Tata AIG’s Plans also cover some other benefits like Trip Cancellation / Curtailment, Repatriation of Remain and Medical Evacuation, Bounced Hotel / Airline Booking and Missed Connection / Departure

Asia Travel Guard

Asia Travel Guard is Tata AIG’ s product designed for travellers within the continent of Asia but excludes Japan & Korea. There are two variants of the plan namely Silver and Gold with differential Sum Insureds for Emergency Accident & Sickness (A&S). The Silver plan has an A&S coverage of $50,000 while the Gold Plan has A&S coverage of $200,000.
The maximum trip duration under this policy will be for 14 days.
Benefits (in US $) Silver Gold Deductible
Accident and sickness medical expenses reimbursement 50,000 200,000 100
Accidental death and dismemberment benefit(24 Hrs) 10,000 15,000 N/A
Medical evacuation* Included Included N/A
Repatriation of remains* Included Included N/A
Checked baggage delay N/A 75 After 12 hrs
Checked baggage loss benefit# 500 1000 N/A
Loss of passport 250 250 30
Personal liability 1,00,000 2,00,000 200
Note :
* Included under the benefit limit of accident and sickness medical expenses reimbursement
# Maximum amount to be reimbursed per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured

Sub Limits - The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMIT'

Hospital room and board and hospital miscellaneous Max $1,500 per day upto 30 days whichever is less.
Intensive care unit Max $3,000 per day upto 7 days whichever is less.
Surgical treatment Max $10,000
Anesthetist services Upto 25% of Surgical Treatment
Physician's visit Max $75 per Day upto 10 visits
Diagnostic and pre-admission testing Max $500
Ambulance services Max $400

Eligibility

  • Policy is available for all entry ages under different plans from the age of 6 months onwards till 70 years of age.
  • Travel insurance is available for the maximum of 180 days under the Single Trip Plans.
  • Traveller should hold either an Indian citizen with an Indian passport, PIO Card (Persons of Indian Origin Card) or OCI Card (Overseas Citizen of India Card)
  • Traveller should be traveling out from India and be available in India while purchasing the TATA AIG Policy

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, Tata AIG will arrange for the evacuation and transportation to move an ill or injured traveller to a location where appropriate medical care is available. Policy provides for repatriation of remains in case of unfortunate death of the insured during the 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.

Countries covered: The Asian countries covered under this plan include:

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

Student Guard

This is a plan specific for the Student community from India who are traveling to foreign Universities to pursue their higher education. Tata AIG is the leader among the Indian Insurance companies offering the Student Product.

Given that 50% of the Indian students go to USA for their higher studies and that Tata AIG parent AIG is a household name in USA, many Indian students are preferring to insure themselves and their trip through Tata AIG.

Tata AIG’s Student Plan has five variants based on the Accident & Sickness Sum Insureds offered. The plans are names as below – Plan A, Plan B, Ultimate, Ultimate Plus and Supreme.
Coverage in USD Plan A Plan B Ultimate Ultimate Plus Supreme
hospital  Accident & Sickness Medical Expenses Reimbursement $50,000 (100) $1,00,000 (100) $2,50,000 (100) $5,00,000 (100) $5,00,000 (100)
ambulance  Emergency Evacuation $5,000 $10,000 $15,000 $25,000 $25,000
person  Repatriation of Remains $2,500 $5,000 $7,500 $10,000 $10,000
ambulance  AD & D 24 Hrs $10,000 $25,000 $25,000 $30,000 $50,000
Felonious   Felonious Assault (AD&D) $5,000 $5,000 $25,000 $25,000 $25,000
baggage  Checked Baggage Loss* $500 $1,000 $2,000 $2,500 $2,500
baggage delay  Baggage Delay (After 12 hours only)# - $50 $150 $250 $250
passport  Loss of Passport $250 (30) $250 (30) $250 (30)> $250 (30) $250 (30)
liability  Personal Liability $1,00,000 (200) $1,00,000 (200) $5,00,000 (200) $5,00,000 (200) $5,00,000 (200)
study  Study Interruption $7,500 $7,500 $15,000 $25,000 $25,000
globe  Sponsor Protection $10,000 $10,000 $20,000 $25,000 $25,000
aeroplane  Compassionate Visit (2-Way) $1,500 $5,000 $7,500 $10,000 $10,000
note pad  Bail Bond $500 $1,000 $5,000 $5,000 $5,000
maternity  Maternity Benefit(Only Inpatient Treatment incl 1 month post Natal Cover) - Waiting Period - 10 Months $500 $1,000 $2,000 $2,500 $3,000
disorder  Treatment for Mental and Nervous Disorders: Including Alcoholism and Drug Dependency - $500 $1,000 $2,000 $2,500
screening  Cancer Screening and Mammography Examinations $250 $500 $1,500 $2,500 $3,000
assistance  Assistance Services Included Included Included Included Included

# Reimbursement of purchase of necessary personal effect, due to baggage delay overseas
* Maximum amount to be reimbursed per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured

Eligibility

  • Any individual, between sixteen (16) and thirty-five (35) years of age, enroll and attending a full-time registered educational institution of higher learning, outside Republic of India.
  • The student should be an India Passport holder or holder of a PIO/OCI card
  • The student should be based and traveling out of India at the time of purchase of the policy
  • The insured person can only be covered under one such policy for the period

Policy Coverage: Some to the key benefits under the Student Guard Plan of Tata AIG include:

Study Interruption
Tata AIG will reimburse tuition fee paid in advance for the current semester if your studies are interrupted due to medical or compassionate reasons.

Sponsor Protection
In the event of accidental death or permanent disablement of your sponsor, Tata AIG will reimburse the remaining school fees up to a specified maximum limit shown in the table of benefits.

Accident and Sickness Medical Expenses
Tata AIG will pay you Covered Medical Expenses incurred overseas by you, which are not due to a pre-existing condition up to the maximum stated in the Policy Schedule or the Schedule of Benefits.

Compassionate Visit(2-way)*
  • Visit by Family Member: - Visit by Family Member: - If you are hospitalized for more than seven(7) consecutive days, Tata AIG will cover the cost of round-trip economy class air ticket and accommodation expenses for an immediate family member to be with you.
  • Visit by Student: In the event of death or hospitalization of parent(s)/spouse/child(ren) for more than seven(7) consecutive days, Tata AIG will cover the cost of a round trip economy class air ticket.
(* - Subject to maximum coverage as provided in the Schedule of Benefits.)
Personal Accident
Student Guard Plus provides worldwide coverage against Accidental Death and Permanent Disablement whilst you are abroad, upto maximum limit shown in the Schedule of Benefits.

Assistance Services
Tata AIG’s Assistance team, AIG Travel Assist will be available around the clock for any assistance or referral services.

Maternity Benefits
Medical expenses related to termination of pregnancy are covered subject to maximum amount as provided in the Schedule of Benefits subject to a waiting period of 10 months from the effective date of policy.

Bail Bond
The insurance company will pay bail bond costs incurred by the Insured student, as a result of false arrest or wrongful detention by any government or foreign power up to the amount stated in the Policy Schedule.

Assistance Services
Tata AIG’s Assistance team, AIG Travel Assist will be available around the clock for any assistance or referral services.

Other benefits include
24 hrs Worldwide Emergency Assistance Services, Emergency Medical Evacuation, Repatriation of Remains, Felonious Assault, Lost Luggage, Personal Liability Aboard, Accident and sickness Medical Coverage

What are the extensions under the Accident & Sickness coverage of the Tata AIG Student programs?

Some of the insurance company’s Student programs have unique Special Extensions specifically provided in the schedule of benefits:
  • Only Inpatient Medical expenses related to pregnancy, termination of pregnancy only as a result of physician’s advice to terminate pregnancy due to medical reasons and not due to insured person’s choice to terminate pregnancy subject to waiting period of 10 months
  • Medical expenses related to treatment for mental and nervous disorders, including alcoholism and drug dependency are covered subject to maximum amount as provided in the schedule of benefits
  • Medical Expenses related to Cancer Screening and Mammographic examination on recommendation from a physician is covered subject to maximum amount as provided in the schedule of benefits. Any tests done as a part of preventive health check-up are not included under this benefit
  • Medical expenses due to Pre-existing Condition in case of Life threatening unforeseen emergency subject to maximum amount as provided in the schedule of benefits. In such event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition would be reimbursed. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain
  • For ongoing physiotherapy to treat a disablement due to an accident, unless this is recommended in writing by the treating registered medical practitioner, upto the amount as stated in the policy schedule
  • Childcare benefits – We will pay upto the maximum amount as provided in the schedule of benefits, if the child is in between the age of 7 days - 90 days, and is hospitalized for 2 days or more for any ailment.

Domestic Travel Guard

Domestic Travel Guard completes the product offerings under Travel for Tata AIG. It is a plan suited for insuring a domestic travel journey on business or leisure. Domestic Travel is perhaps the most underpenetrated market in the India insurance space because most persons believe that there is no need for insurance while traveling within India. Tata AIG’s Domestic Guard covers travel outside the home city/location on any mode of transport ie. Air, Road, Rail etc.

Tata AIG’s Domestic Travel Guard has only one plan but there is an option for the insured to purchase multiple units (maximum upto 5 units) of this basic plan. Domestic Travel Guard Insurance also offers many unique benefits such as family transportation cover in case of emergencies, lost ticket reimbursements, missed departure compensations, personal liability coverage and personal accident insurance. So the next time you are traveling, ensure that you leave behind your worries and enjoy every moment of the trip.
Core Benefits (Per Unit) Amount in Rupees Deductible
Accidental Death and Dismemberment(Common Carrier) 50,000 NA
Accident Medical Expenses 20,000 250
Assistance Services Included NA
Emergency Medical Evacuation Benefit 10,000 NA
Repatriation of Remains Benefit 10,000 NA
Personal Liability Benefit 1,00,000 200
Accident-In - Hospital Indemnity Benefit (max 7days) 500 1 day
  • **We will pay the excess of what will be re-inbursed / paid by any other agency / authority.
  • #Max units for Core benefits 5. The number of units for Add-on-benefits cannot exceed units for core benefits.

Features

  • Missed Departure - In the event of missing the departure of your booked journey, the cost of your actual ticket(air / rail) will be reimbursed subject to certification by the concerned authority.
  • Accommodation charges due to trip delay - In the event of the trip delay, the extra accommodation expenses incurred will be reimbursed.
  • Lost ticket reimbursement - In case of a ticket loss due to which one cannot continue the journey the actual cost of the ticket will be reimbursed.
  • Emergency medical evacuation - In the event of a medical emergency, the arrangements for the evacuation and transportation of the insured for appropriate & quality medical care, shall be covered.
  • Repatriation of Remains – Coverage is provided up to the amount stated in the Policy Schedule for covered expenses reasonably incurred to return the insured’s mortal remains body to Your usual residence in India if You die during a Trip. Covered expenses include, but are not limited to, expenses for: (a) embalming;(b) cremation;(c) coffins; and (d) transportation.
  • Replacement Of Staff (Business Trip) – the insurer shall pay upto the sum insured in respect of reasonable additional travel and accommodation expenses necessarily incurred under the circumstances in - 1. Sending out a replacement for an Insured Person; and returning the replacement following the completion of the duties necessarily undertaken. Alternately, returning the original person, back to the usual town in India or seding out the original Insured Person to complete a tour of duty following recovery from disability
  • Family Transportation - If the insured is hospitalized for a long period of time following a covered hospitalization, the insurer will pay subject to SI for the the cost of round-trip economy airfare to bring one of Your Immediate Family Members chosen by You to and from Your bedside or pay the reimbursement of the hotel room charge due to convalescence after Your Hospital discharge
  • 24 x 7 Assistance - Tata AIG’s assistance team will be available round the clock for any assistance or referral services like : Medical evacuation, Medical Assistance, Legal Assistance, Lost Luggage Support, Lost Travel Document Support, Assistance in emergency message transmission, Assistance in hotel accommodation, Arrangement of Bail Bond etc

How are Tata AIG’s Travel claims administered/managed?

The Assistance Company, AIG Travel Assist offers claims support and assistance to the Traveller abroad, across the world. They have 8 alarm centres across the world and Tata AIG’s overseas portfolio is managed from Houston, US and Kuala Lumpur, Malaysia…Some of their services include:
  • Pre-departure services- information about foreign locations, passport / visa requirements, immunization requirements etc
  • Emergency Travel Agency- provides with 24 hour travel agency service for airline and hotel reservations.
  • Medical Assistance- Assistance company will recommend or assist in securing the availability of services of Local Physicians, Admissions in Hospital and arranging other medical services. Assistance service including monitoring the patient and determining the next course of action is also carried out by them.
  • Medical Evacuation & Repatriation- In the event of medical emergency, the assistance services will arrange for evacuation and transportation based on the medical evaluation of your condition. Travel Guard also provides for repatriation of remains in case of unfortunate death of the insured while overseas.
  • Lost travel documents assistance
  • Emergency Message transmission services
  • Embassy referral services
  • Claims procedures Information services

What are the Exclusions under Tata AIG’s Travel policies? Some of the key exclusions are listed below:

  • Pre-existing Condition or any complication arising from it (unless specifically covered under certain plans that are purchased by the insured)
  • services, supplies, or treatment, including any period of Hospital confinement, which were not recommended or approved, and certified as Medically Necessary by a Physician
  • routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or X-ray examinations except in the course of a disability established by the prior call or attendance of a Physician (an example could be a person visiting the hospital to check their blood pressure or their cholesterol levels, just for their information)
  • elective, cosmetic, or plastic surgery, except as a result of an Injury caused by a covered Accident
  • suicide, attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection
  • being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed
  • any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power, Terrorism
  • congenital anomalies or any complications or conditions arising therefrom
  • participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or potentially dangerous sport for which You are untrained (please note that on our eIndiaInsurance website, we offer some insurance plans that cover Adventure sports…so if the insured is likely to participate in any of these activities, it’s best to buy a plan that covers Adventure Sports)
  • pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to inability to conceive a child; birth control, including surgical procedures and devices
Please note that this is not the complete list of exclusions. Please refer to the terms and conditions (policy wordings) that have been shared with the insured along with the policy certificate for the exhaustive list.

Why buy TATA AIG?

There are many advantages of buying TATA AIG’s insurance plans online. Some of the advantages are listed below:
  • Tata AIG has been the undisputed market leader in the travel insurance market in India since inception in 2001 and till date enjoys amongst the highest market share in India.
  • Tata AIG is a JV with AIG ($55 billion turnover) holding 24% share and balance 76% with Tata Group ($100 billion turnover Industrial conglomerate).
  • TATA AIG satisfies all statutory regulations of IRDA in India.
  • AIG Inc has Business Operations in 130 countries across the following Property, Casualty lines of business apart from Travel. This global presence is a big advantage while managing the Travel business worldwide.
  • Tata AIG's Medical Assistance Company is AIG Travel Assist which is an AIG group company – They have 8 alarm centres across the world and managed around 267,000 travel claims during 2017-18.
  • AIG Travel Assist have the largest network of hospitals in USA, which is managed through their Houston alarm centre. The Rest of the World Assistance servicing is done through the alarm centre in Kuala Lumpur. At any given time the TATA AIG’s insureds will have access to faster medical assistance services at more number of specialty hospitals
  • AIG Travel Inc. is the worldwide Travel Insurance business was almost $1.05 billion across 80 countries including India. Clearly one of the leaders and the most preferred company for the longest time in the World Market for Travel Insurance.

FAQ’s on Travel Insurance

What is Travel Insurance Policy?
Travel insurance provides insurance coverage during ones travel overseas. You can also get domestic travel insurance for travel within India, Travel insurance provides coverage more than just for the duration of your travel itself. The scheme covers medical expenses incurred for any in-patient& outpatient treatment throughout your journey.

What is the ‘Policy Period’?
The duration of the Policy from the start date till the expiry date of the policy is called as ‘Policy Period’. You can benefit the coverage as specified only during the duration of ‘Policy Period’.

What is the percentage of the claim payable and whether it will be taxed?
The standard deductible under the Accident & Sickness Reimbursement is $100 irrespective of the value of the claim. The same is not taxable.

What are the sub-limits prescribed by the policy?
The sublimits are applicable to the Age Category of 56-79. Please refer the benefits under all Plans as in the Travel brochure of Insurance Company.

Are there any restrictions on the hospital where the treatment should be taken?
There is no restriction on the hospital where treatment should be taken. The treatment can be taken in any hospital in the world outside India. However, the only restriction is that the hospital should be a registered hospital under the local jurisdiction. It is however advisable in pre planned hospitalization, the Insured informs the Assistance Company whom may choose the direct them to a Network Hospital in the same locality.

Is the sum insured mentioned under each category applicable to all members traveling on the policy and is there any restriction on number of claims?
The sum insured as mentioned in the policy schedule is for each traveling member. For eg. If there are 3 family members traveling under a single Gold Plan policy, each of the them will be covered for a SI of $250,000 under the Accident & Sickness benefit.
Also this limit of $00,000 is per accident which means that the limit gets topped up once a claim is settled. For eg. If Individual A has had an accident and had filed a claim for $10,000, in the event of another sickness claims he/she will be eligible for $200,000 in full and the same will not be reduced by the $10,000 already claimed under the first claim. However the deductible of $100 will be applicable for a single claim/incident.
There is no restriction on the number of claims per person in the policy period.

Is a newborn child covered from day one under the Travel Policy?
A newborn child will be covered after 6 months of birth.

What is the Age Limits to buy TATA AIG travel insurance?
Persons between 6 months up to 70 years can buy TATA AIG travel insurance. For those who are above the age of 70 (i.e. 71-79) can buy Senior Citizen plan.

How do you define a trip?
Trip - means any Insured Journey during the Insured Period which starts and finishes in India and involves a destination(s) outside India; which lasts or is expected to last for: « up to 180 » Days or less if covered under Single Trip Insurance; or « up to 30/ 45 » Days or less per Trip, if covered under Annual Multi Trip Insurance.

Student Travel FAQ’s

What is the procedure to cancel the policy if the university rejects TATA-AIG insurance?
The student should email us and provide the rejection letter received from the university. On receipt of this document, TATA AIG will cancel your student policy and refund the amount to you after deducting the cancellation charges of Rs.300/-

What is the effective date of the policy coverage?
The policy is effective from the actual start date of travel or the commencement date mentioned on the policy certificate, whichever is later.

Who do I contact in case of an Emergency?
Tata AIG’s Assistance Provider is AIG Travel Assist. The contact (phone and email) details of Assistance company have been provided on the insurance certificate. The assistance company should be contacted for Cashless Hospitalisation requirements, as well as reimbursements for claims already paid for by the insured.

What types of treatment are covered under the program?
Primarily, there are two types of treatments available under this policy. Outpatient & Inpatient; The insured is eligible for the above benefits as per the Terms and conditions of the policy. (Note: Where possible, it is recommended that the insured utilizes the CASHLESS FACILITY by contacting the assistance company to facilitate the claim process) What do you mean by “Cashless” claim settlement? AIG Travel Assist will pay up to 100% of the claim (subject to the policy terms and conditions and upto the maximum Sum Insured mentioned) to the medical facility above the deductible amount mentioned on the policy certificate. This will be done either by placing a Guarantee of Payment (GOP) or making a payment to the hospital. This is subject to eligibility of the insured for coverage.

In the event of a claim, am I liable to pay any excess / deductible?
The deductible under the Accident & Sickness is USD $100 .The policy deductible is applicable for each instance of sickness/ailment. For continuous treatments relating to the same sickness, the deductible will only be applicable once. The insured is required to quote the Claim reference number when contacting the assistance company while undergoing follow up / re-revisit treatments. The deductible will need to be paid in each instance of a new/ different ailment / sickness.

How is the deductible of USD $100 applicable in the case of Cashless hospitalization?
During discharge of the patient and on preparation of the final bill, the deductible mentioned in the policy schedule is payable by the insured. Apart from this, all expenses that are not payable under the terms and conditions of the policy will have to be paid by the patient to the hospital / medical facilities. AIG Travel Assist will directly pay the allowed expenses to the hospital on behalf of Tata AIG.

Are there any restrictions on the hospital where the treatment should be taken?
It is advisable that the insured contacts the Assistance Company who will direct them to a Network Hospital in the same locality and assist with Cashless facility. There is no restriction on the hospital where treatment should be taken. The treatment can be taken in any hospital However, the hospital should be a registered hospital under the local jurisdiction.

Who can contact the assistance company in the event of an emergency?
Either the insured, or anyone who is acting on their behalf (friend/ family/ colleague) can contact the assistance company.

What is the timeframe in which the Assistance Company is to be contacted?
The insured (or any other person as nominated above) is to inform the assistance company within a reasonable time frame so that the cashless facility can be activated. It is advisable however to make first contact with the Assistance company within 24 hours in case of hospitalization.

What is the process for reimbursement claims?
The insured should retain all necessary bills (medical records in case of medical treatment) for expenses incurred as per the terms and conditions of the policy. The same can be submitted to the Tata AIG Claims Department (address below) on their return to India. The claims will be settled in 7 working days post submission of completed documentation.
CLAIMS DEPARTMENT
TATA-AIG General Insurance Company Limited
A-501, 5th Floor, Building No.4,
Infinity Park, Gen. A.K. Vaidya Marg,
Dindoshi, Malad (East)
Mumbai 400 097

I suffered from a medical and physical condition whilst in India. Can I claim for medical/hospital and other related expenses if I need treatment for the same diagnosis while on my trip?
No, the policy does not provide for treatment of pre-existing conditions, except in the case of a life threatening situation.

Does the policy cover maternity and related expenses?
Yes the policy covers for maternity expenses incurred for self only. Benefits are as per the policy certificate.

Does the policy provide for Travel Inconvenience covers?
The policy provides coverage for Loss of Passport, Loss of Baggage (checked), Delay of baggage (check in), Missed Departure/Connection, Study Interruption, Sponsor Protection etc.

Can I make a claim wherein the Airlines have misplaced/lost/delayed my luggage on my return to India?
You would need to first have a PIR (Property Irregularity Report) form filled with the scheduled airlines. If the airlines confirm on the total loss of the baggage, you may then register your claim with the insurance company. However please note that if the airline has compensated the insured for baggage loss/delay, then you should not file a claim with the insurer. Importantly, if the incident pertains to Delay of Baggage while returning to India, then the said incident would not be covered under the policy.

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