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TATA AIG Overseas Travel Claims Procedure

TATA AIG Overseas Travel Insurance Claims Procedure

TATA AIG claims procedure for Medical and Non Medical claims

Medical
	Step 1	Step 2	Step 3	Step 4
Emergency Hospitalisation	Inform Europ Assist (Assistance and Claims Partner abroad) at the earliest providing details of Insured Traveler and Policy Schedule Number	Europ Assist verifies coverage of the Insured Traveler, coordinates with Hospital on the treatment and assesses Admissibility of the Claim	Europ Assist coordinates with Tata AIG Claims team and places Guarantee of Payment (GOP) with the hospital for Admissible Expenses - Turnaround Time 4-5 hours	Once treatment is completed, Europ Assist will settle payment to Hospital, Insured pays Deductible
Planned Hospitalisation	Insured reaches Europ Assist regarding proposed treatment	Europ Assist verifies coverage of the Insured Traveler, assesses Admissibility of the Claim and recommends suitable Hospital to the member	Europ Assist coordinates with Tata AIG Claims team and places Guarantee of Payment (GOP) with the hospital for Admissible Expenses - Turnaround Time 4-5 hours	Once treatment is completed, Europ Assist will settle payment to Hospital, Insured pays Deductible
Reimbursement of Outpatient Treatment	Insured visits Medical Facility for Outpatient Treatment and makes payment for the treatment received. Should retain Treatment records, bills and receipt for payment for Doctors visit and Pharmacy expenses, if any	On Return to India, or while abroad, Insured reaches out to Europ Assist and submits all Documents related to the Treatment and subsequent expenses	Europ Assist verifies coverage of the Insured Traveler, assesses Admissibility of the Claim, Reviews the Documents submitted and forwards to Tata AIG with the Medical Recommendation.	Tata AIG Claims team, reviews the claim, and makes Reimbursement for eligible expenses directly to Insured - Turnaround Time 7-15 working days post submission of all documents

Non Medical Claims
	Step 1	Step 2	Step 3	Step 4
Reimbursement of Expenses incurred directly related to the Benefit/Coverage	Insured incurs Expenses direcltly related to the Loss - Baggge Delay/Loss, Loss of Passport, Flight Delay, Trip Cancellation and other similar Benefits…retain all relevant bills for the expenses	On Return to India, or while abroad, Insured reaches out to Europ Assist and submits all Documents related to the Nature of Loss and subsequent expenses	Europ Assist verifies coverage of the Insured Traveler, assesses Admissibility of the Claim, Reviews the Documents submitted and forwards to Tata AIG with their Recommendation.	Tata AIG Claims team, reviews the claim, and makes Reimbursement for eligible expenses directly to Insured - Turnaround Time 7-15 working days post submission of all documents
Personal Liability	Insured reaches Europ Assist regarding Liability Suit and Expenses likely to be incurred	Europ Assist verifies coverage of the Insured Traveler, assesses Admissibility of the Claim and recommends action to be taken in coordination with the Legal Expert	Europ Assist coordinates with Tata AIG Claims team and works out the Payment Plan to all stakeholders

TATA AIG travel insurance, 24 hour Assistance contact

For the Americas

Number: +1-833-440-1575 (Toll free within US and Canada)
Email - tata.aig@europ-assistance.in

For Excluding the Americas Policies

Number: +91 – 022 68227600 (Call back facility available)
Email - ea.tataclaims@europ-assistance.in

For any query on Reimbursement claims, we can be contacted on:

Toll Free No.: 1800-266-7780 (tollfree) or on 022-66939500 or 1800 22 9966
Email - general.claims@tataaig.com

Write to us at:
Travel Claims
Tata AIG General Insurance Company Limited,
A-501, 5th Floor,
Building No. 4, Infinity Park, Gen. A. K. Vaidya Marg,
Dindoshi, Malad (E), Mumbai, India - 400 097.

It is however important to call the customer support number in the event of a claim. In the event of Outpatient treatment (where hospitalization is not necessary), the insured should keep all the relevant bills and receipts and file the same for reimbursement with Tata AIG, Claims Department.

eindiainsurance markets TATA AIG's various insurance products. However eindiainsurance is not responsible for any claims. Claims are settled directly by the TATA AIG General Insurance Company Limited.

What are the key highlights of TATA AIG travel medical insurance?

Sum Insured

USD 50,000/ 100,000/ 250,000/ 500,000

Coverage period

180 days

Eligibility

180 days to 99 years

Some Useful Tips for Quick and Smooth Claims Settlement

Some of the important aspects to be kept in mind while filing a Travel Insurance claim are as follows:

Inform / Notify the Assistance Company (Europ Assist) or the Insurance Company (Tata AIG) as soon as the Loss/Incident occurs.
For all Hospitalisation Treatment, please keep the Assistance Company (Europ Assist) informed at all times
For all expenses incurred, both Medical and Non-medical, please retain all original documents / bills / receipts
Fill the online Claims Form in detail, providing all relevant information and submit along with required documents
Needless to add, ensure you are filing a claim only for Reasonable and Relevant Expenses incurred

Tata AIG Claims Procedure Faqs

What is the Claim Processing Turn around time?

Each company has a different process for setting claim but Cashless Claim Guarantee takes between 3-4 hours after reporting the claim to Europ Assist/Tata AIG. Reimbursement of Claims normally takes between 7-15 days after submission of all relevant claims documents.

Can I track my claim status online?

Many insurance company including Tata AIG are moving to Digital Claims processing, but most Travel insurance claims are still offline and hence you can call Europ Assist or Tata AIG Customer Support team to ascertain the status of your claim.

Can Tata AIG deny settling my Travel Insurance claim?

Yes, Tata AIG can deny settling a claim which does not fall under the Scope of the policy, or is more than the Sum Insured (Limit of Liability), or falls under the Exclusions of the policy. They will send an email to you citing the reason of the Denial/Repudiation of the claim, which you can take up with them if you are not convinced.

What can I do if I am unhappy with denial of my claim?

The IRDAI has instituted a Grievance Mechanism to address Claims Denial / Repudiation. After taking up the matter with the Tata AIG Claims Team, you can then refer the same to the Insurance Ombudsman appointed by the regulator to reviewing such pleas by the insured. If you are still not happy with the judgement of the Ombudsman, you can take Legal Recourse through the Judicial Process and Courts.