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Do we pay first and then get reimbursed in India or TATA AIG will pay all the expenses at the time of treatment?
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Outpatient treatment - insured has to pay first get it reimbursed from TATA AIG once they reach India.. Claims are settled in 7 business days.
Inpatient treatment- Cashless, provided the assistance company is activated for cashless before hospitalization or post hospitalization at the earliest so that the necessary rearrangements can be made for direct settlements, subject to policy terms and conditions. The insured has to pay the minimum deductible at the time of discharge as per the policy.
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In order to utilize the insurance, should I intimate the insurance prior to visiting the Dr. or hospital?
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Outpatient - Not required.
Inpatient - for cashless service the insured has to get in touch with the assistance company (toll free number for including Americas policies: 1-866-866-2619 and for excluding Americas policies: +91-11-41898801)
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What is the time frame within which the claim intimation has to be made?
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Claims for which prior intimation has not been given to the Assistance Companies must be lodged with Tata AIG within 30 days. However it is advisable to register a claim abroad by informing the assistance companies on the applicable numbers (refer the policy certificate for the same).
If the individual has traveled back to India they may use one of the following methods to file a claim and mention the policy/certificate number:
Call the Toll Free Number on 1800 119966 (toll fee from BSNL/MTNL lines)
SMS “CLAIM” to 8888
Send a mail to general.claims@tata-aig.com
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Is it necessary to visit a particular hospital?
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It is not necessary to visit any particular hospital. You may visit any hospital or call up the Assistance Company and can get the medical referrals near to your place. Pre-existing illness/sickness/treatment is an exclusion under the policy.
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Does it pay for medicines (not preexisting)?
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Medicines prescribed by the treating doctor during the course of the treatment as per the policy terms and conditions
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In case of reimbursements how much time it takes?
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In case of reimbursements, the claims are settled within 7 working days.
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Is a newborn child covered from day one under the Group Travel Policy?
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A newborn child will be covered after 6 months of birth.
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What is the Age Limits to buy TATA AIG travel insurance?
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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.
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How do you define a trip?
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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.
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Can we visit ANY hospital or Doctor in US/Non-US in case of sickness?
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Insured is free to approach any hospital at his convenience. However, our assistance company in Americas is 'AIG IS' and for Non-Americas is 'ISOS'. Incase of any emergency, the insured needs to contact our assistance company if time permits.
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