Cover commences from the moment the Insured clears immigration at the international airport in India and ceases on landing and clearing immigration at any international airport in India or until policy expiry date whichever is earlier.
Can I extend the policy?
Yes, you can extend the policy for any single trip not exceeding 180 days. Any extension of the policy is treated as a new policy for the incremental number of days. A fresh certificate of insurance is issued through Insurance Company to the concerned travelers for the extended duration. An email from the client needs to be sent to insurance company mentioning that 1) There has been NIL claims under the expiring policy and 2) Statement to be in Good Health and based on this Insurance Company will confirm extension within 48 hours.
It should be noted that extension must be approved one week prior to the end date of the policy in force and no break in insurance will be entertained for.
Do I have to undergo a medical examination?
No.
What do I do if the trip is cancelled?
You can cancel the policy and a refund will be allowed. The policy may be cancelled at the instance of the Company. Advance notices are not necessary and retroactive cancellations are not permitted. Please email all cancellation requests to Insurance Company.
What do I do if the trip is postponed?
A new policy would have to issued and the previous policy cancelled by sending an intimation to Insurance Company and/or your Company's travel agent.
What do I do if I meet with an accident or sickness abroad?
Contact the TOLL FREE NUMBERS printed on the face of your certificate
If I make the payment will I get a reimbursement?
Yes. In India, in Indian Rupees.
Do I necessarily have to contact the assistance company in case of an emergency?
Yes, it is necessary that you call the assistance company before taking any action.
What is cashless hospitalization?
Cashless hospitalization can be availed at all Hospitals throughout the World (but outside India) provided the Assistance Company is duly informed prior to admission. The essence of cashless hospitalization is that the insured individual need not make an upfront payment to the hospital at the time of admission, except for the policy deductible as applicable.
At the time of hospitalization at a hospital abroad, you will have to produce the Insurance Company Insurance Schedule as proof of being covered by a Travel Insurance Program of Insurance Company.
The Insurance Company Claims form is available with the Assistance Companies or on the Insurance Company website at http://www.tata-aig.com
The form has to be jointly filled in by you and your treating doctor. Please make sure all the details asked in the form are completely filled. This will ensure speedy processing of your claim request.
This form is faxed to the Insurance Company fax numbers at their respective nodal centres across the world
At Insurance Company they will then confirm coverage of the Insured/dependants based on the Insurance Company Insurance Schedule number provided to them after verifying their online databases which are updated on a real time basis with all policies issued
In case coverage is available, Insurance Company will issue an approval/Guarantee of Payment (GOP) to the hospital for the amount specified by the hospital as being an approximate cost of the medical treatment. This is sent by fax and email (if available). The approval is called a "Preauthorization". This preauthorization entitles you to avail the treatment at the hospital without paying for the medical expenses, subject to the deductibles of the policy.
At the time of discharge, in case the amount authorized by Insurance Company is not sufficient to cover the hospitalization expenses, the hospital will make an additional guarantee request on your behalf for sanction of outstanding amount. Insurance Company will process this request and sanction will be made subject to terms and conditions of your travel insurance policy.
Once final sanction/guarantee has been received by the hospital, please make sure that you check and sign the original bills and discharge summary. Please carry home a copy of the signed bill and the discharge summary and all your investigation reports. This is for your claims processing and will also be useful during your future healthcare needs.
The policy mandates that you have to make a deductible payment of $100 for both inpatient and outpatient treatments as well as non-medical expenses in your bill. You have to make this payment before discharge. Please make sure you collect a receipt for the payments made.
Some common examples(indicative) of non-medical expenses are listed for your reference:
Telephone expenses
Food for patient attendant
Toiletries such as soap, razor, shaving cream, comb, etc.
Double occupancy - two hospital beds occupied for one patient
Rehabilitative aids such as crutches, slings, orthopedic belts, etc.
Water bed
Registration charges
Documentation charge
Administrative expenses
Admission fee
In case, for whatever reason, the preauthorization request cannot be approved in time or for want of further clarity of the treatment sought with respect to policy coverages, you will have to settle the hospital bill in full by yourself and a reimbursement claim can be filed with Insurance Company for further consideration.
Please note that denial/delay of a preauthorization request/gurantee of payment is in no way to be construed as denial of treatment or denial of coverage. You can go ahead with the treatment, settle the hospital bills and submit the claim for a possible reimbursement.
Circumstances under which a Request for Cashless Hospitalisation can be denied?
If the information contained in the request is insufficient for Insurance Company to arrive at a decision and the same is not available for any reason.
The ailment for which hospitalization sought is not covered under the terms and conditions of your travel insurance policy.
The treatment is for a pre existing condition
The claim amount exceeds the policy limits for a particular claim
Hospitalization can be of two types:
Planned Hospitalization:
This happens when you have ample time to plan your admission to the hospital. For example, if the doctor advises surgery and says that you can undergo the surgery anytime in this month, it gives you time to plan you surgery.
In such cases, it is prudent to send the preauthorization request to Insurance Company at least 72 hours before your planned admission. This will ensure a hassle-free admission procedure for you at the hospital.
Emergency Hospitalization:
This happens typically in case of emergencies such as a road traffic accident. There is no planning involved in the hospitalization. In such situations, the Authentication Certificate can be shown at the hospital to avail cashless admission facility. The preauthorization/claim intimation request can be sent to Insurance Company within four hours after admission.
It is therefore prudent that every insured individual should carry their Travel Insurance Policy Certificate with them at all times. You can never predict an emergency !
What about Claims relating to Travel Emergencies?
For claims relating to Baggage Loss/Delay, Passport Loss, Trip Delay please keep necessary proofs of documents relating to this incidence as well as bills for expenses incurred as a direct result of the said incident. For eg. For Passport Loss, documents such as Police FIR, Duplicate passport issuance charges, other incidental expenses can be claimed under this head provide bills for the same are available
Once all bills are available, submit the same to the assistance company along with the claim form for a reimbursement. The list of documents to be submitted for all travel emergency claims are also available on the intranet site
