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TATA AIG travel insurancePlanning an international trip from India? Get covered with comprehensive travel insurance coverage offered by TATA AIG, one of India’s most reliable and globally recognized insurance provider. The travel insurance plans offered by TATA AIG are popular among overseas travellers like parents, seniors, students and business travellers.
TATA AIG’s Travel Insurance covers the insured against any unforeseen emergency, both medical and non medical, while traveling abroad, 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 plan come with unique set of benefits/coverages support by efficient 24X7 Assistance and Claims Support.
There is a simple online application for travelers to complete and enroll to purchase TATA AIG’s travel insurance.
| Benefits | Silver |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 3 months - 70 years |
| Destination | Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe |
| Sum Insured for Accident & Sickness | Up to $50,000 Deductible : $100 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Up to $2,500 |
| Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $50,000 Deductible : $100 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement (Overseas) | Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
| Emergency Medical Dental Expenses | $300 Deductible : $50 |
| Delay of Checked-in Baggage | $40 Deductible : After 4 hours |
| Loss of Checked-in Baggage | $200 |
| Loss of Passport | $250 Deductible : $25 |
| Personal Liability | $100,000 Deductible : $200 |
| Trip Curtailment | $500 Deductible : $50 |
| Trip Cancellation | $500 Deductible : $50 |
| Missed Flight/Connection | $250 |
| Bounced Hotel/Airline booking | $500 Deductible : $50 |
| Fraudulent Charges | Per Occurrence Limit $250; Maximum Limit $500 |
| Home Content Burglary (in INR) | ₹50,000 Deductible : ₹5,000 |
| Accommodation Extension | $100 per day up to max of 10 days |
| Emergency Extension of the Policy | 7 days |
| Medical Sublimit | Amount |
|---|---|
| Hospital Room Rent and Boarding expenses | $1,500 per Day up to 30 Days |
| Emergency Room Services | $1,500 |
| ICU Charges | $3,000 per Day up to 7 Days |
| Surgical Treatment Expenses | $12,500 |
| 25% of Surgical Treatment Expenses for Anesthetist Services | |
| Physician Consultation Charges | $125 per day up to 10 visits |
| Diagnostic Tests | Up to $750 |
| Ambulance Service (Not applicable for Outpatient Treatment) | Up to $500 |
| Pharmacy | Up to $2,000 |
| Miscellaneous Expenses | Up to $500 |
| Emergency Room Services | $27,500 |
| Non-Surgical (Medical Management cases) | $13,000 |
| Benefits | Silver Plus | Silver Plus Plan A | Silver Plus Plan B |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 3 months - 70 years | 3 months - 70 years | 3 months - 70 years |
| Destination | Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness | Up to $100,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $100,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement (Overseas) | Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
| Emergency Medical Dental Expenses | $400 Deductible : $50 |
$400 Deductible : $50 |
$400 Deductible : $50 |
| Delay of Checked-in Baggage | $40 Deductible : After 4 hours |
- | $40 Deductible : After 4 hours |
| Loss of Checked-in Baggage | $200 | - | $200 |
| Loss of Passport | $250 Deductible : $25 |
- | $250 Deductible : $25 |
| Personal Liability | $100,000 Deductible : $200 |
- | - |
| Trip Curtailment | $500 Deductible : $50 |
- | $500 Deductible : $50 |
| Trip Cancellation | $500 Deductible : $50 |
- | $500 Deductible : $50 |
| Missed Flight/Connection | $250 | - | $250 |
| Bounced Hotel/Airline booking | $500 Deductible : $50 |
- | $500 Deductible : $50 |
| Fraudulent Charges | Per Occurrence Limit $250; Maximum Limit $500 | - | - |
| Home Content Burglary (in INR) | ₹50,000 Deductible : ₹5,000 |
- | - |
| Accommodation Extension | $250 per day up to max of 10 days | - | - |
| Hijack/Kidnap Daily Allowance | $75 for every 12 hours, up to max of 10 days | - | - |
| Loss of International driving license | $100 | - | - |
| Flight Cancellation | $75 | - | - |
| Emergency Extension of the Policy | 7 days | - | - |
| Medical Sublimit | Silver Plus | Silver Plus Plan A | Silver Plus Plan B |
|---|---|---|---|
| Hospital Room Rent and Boarding expenses | $1,500 per Day up to 30 Days | $1,500 per Day up to 30 Days | $1,500 per Day up to 30 Days |
| Emergency Room Services | $1,500 | $1,500 | $1,500 |
| ICU Charges | $3,000 per Day up to 7 Days | $3,000 per Day up to 7 Days | $3,000 per Day up to 7 Days |
| Surgical Treatment Expenses | $12,500 | $12,500 | $12,500 |
| 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | |
| Physician Consultation Charges | $125 per day up to 10 visits | $125 per day up to 10 visits | $125 per day up to 10 visits |
| Diagnostic Tests | Up to $750 | Up to $750 | Up to $750 |
| Ambulance Service (Not applicable for Outpatient Treatment) | Up to $500 | Up to $500 | Up to $500 |
| Pharmacy | Up to $2,000 | Up to $2,000 | Up to $2,000 |
| Miscellaneous Expenses | Up to $500 | Up to $500 | Up to $500 |
| Emergency Room Services | $27,500 | $27,500 | $27,500 |
| Non-Surgical (Medical Management cases) | $13,000 | $13,000 | $13,000 |
| Benefits | Gold | Gold Plan A | Gold Plan B |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 3 months - 70 years | 3 months - 70 years | 3 months - 70 years |
| Destination | Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness | Up to $250,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Up to $10,000 | Up to $10,000 | Up to $10,000 |
| Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $250,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement (Overseas) | Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000 |
Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000 |
Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000 |
| Emergency Medical Dental Expenses | $500 Deductible : $50 |
$500 Deductible : $50 |
$500 Deductible : $50 |
| Delay of Checked-in Baggage | $45 Deductible : After 4 hours |
- | $45 Deductible : After 4 hours |
| Loss of Checked-in Baggage | $300 | - | $300 |
| Loss of Passport | $250 Deductible : $25 |
- | $250 Deductible : $25 |
| Personal Liability | $200,000 Deductible : $200 |
- | - |
| Trip Curtailment | $750 Deductible : $75 |
- | $750 Deductible : $75 |
| Trip Cancellation | $750 Deductible : $50 |
- | $750 Deductible : $50 |
| Flight Delay | $45 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
- | $45 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
| Missed Flight/Connection | $500 | - | $500 |
| Bounced Hotel/Airline booking | $750 Deductible : $75 |
- | $750 Deductible : $75 |
| Fraudulent Charges | Per Occurrence Limit $500; Maximum Limit $1000 | - | - |
| Home Content Burglary (in INR) | ₹1,50,000 Deductible : ₹5,000 |
- | - |
| Accommodation Extension | $300 per day up to max of 10 days | - | - |
| Hijack/Kidnap Daily Allowance | $100 Per 12 hours, up to max of 10 days | - | - |
| Loss of International driving license | $100 | - | - |
| Flight Cancellation | $75 | - | - |
| Emergency Extension of the Policy | 7 days | - | - |
| Loss of Personal Baggage | $200 Deductible : $30 |
- | - |
| Personal Accident in India (in INR) | ₹15,00,000 | - | - |
| Medical Sublimit | Gold | Gold Plan A | Gold Plan B |
|---|---|---|---|
| Hospital Room Rent and Boarding expenses | $1,750 per Day up to 30 Days | $1,750 per Day up to 30 Days | $1,750 per Day up to 30 Days |
| Emergency Room Services | $1,750 | $1,750 | $1,750 |
| ICU Charges | $3,250 per Day up to 7 Days | $3,250 per Day up to 7 Days | $3,250 per Day up to 7 Days |
| Surgical Treatment Expenses | $13,000 | $13,000 | $13,500 |
| 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | |
| Physician Consultation Charges | $175 per day up to 10 visits | $175 per day up to 10 visits | $175 per day up to 10 visits |
| Diagnostic Tests | Up to $1,000 | Up to $1,000 | Up to $1,000 |
| Ambulance Service (Not applicable for Outpatient Treatment) | Up to $600 | Up to $600 | Up to $600 |
| Pharmacy | Up to $2,000 | Up to $2,000 | Up to $2,000 |
| Miscellaneous Expenses | Up to $500 | Up to $500 | Up to $500 |
| Emergency Room Services | $30,000 | $30,000 | $30,000 |
| Non-Surgical (Medical Management cases) | $15,000 | $15,000 | $15,000 |
| Benefits | Platinum | Platinum Plan A | Platinum Plan B |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 3 months - 70 years | 3 months - 70 years | 3 months - 70 years |
| Destination | Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness | Up to $500,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Up to $10,000 | Up to $12,500 | Up to $12,500 |
| Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $500,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement (Overseas) | Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000 |
Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000 |
Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000 |
| Emergency Medical Dental Expenses | $1,000 Deductible : $50 |
$1,000 Deductible : $50 |
$1,000 Deductible : $50 |
| Delay of Checked-in Baggage | $50 Deductible : After 4 hours |
- | $50 Deductible : After 4 hours |
| Loss of Checked-in Baggage | $300 | - | $300 |
| Loss of Passport | $250 Deductible : $25 |
- | $250 Deductible : $25 |
| Personal Liability | $500,000 Deductible : $250 |
- | - |
| Trip Curtailment | $1,000 Deductible : $100 |
- | $1,000 Deductible : $100 |
| Trip Cancellation | $1,000 Deductible : $100 |
- | $1,000 Deductible : $100 |
| Flight Delay | $50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
- | $50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
| Missed Flight/Connection | $750 | - | $750 |
| Bounced Hotel/Airline booking | $1,000 Deductible : $100 |
- | $1,000 Deductible : $100 |
| Fraudulent Charges | Per Occurrence Limit $1000; Maximum Limit $2000 | - | - |
| Home Content Burglary (in INR) | ₹2,50,000 Deductible : ₹5,000 |
- | - |
| Accommodation Extension | $750 per day up to max of 10 days | - | - |
| Hijack/Kidnap Daily Allowance | $150 Per 12 hours, up to max of 10 days | - | - |
| Loss of International driving license | $100 | - | - |
| Flight Cancellation | $150 | - | - |
| Emergency Extension of the Policy | 15 days | - | - |
| Loss of Personal Baggage | $300 Deductible : $30 |
- | - |
| Personal Accident in India (in INR) | ₹20,00,000 | - | - |
| Compassionate Travel/Stay | Upto $3,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | - | - |
| Loss of Cash | $125 | - | - |
| Medical Sublimit | Platinum | Platinum Plan A | Platinum Plan B |
|---|---|---|---|
| Hospital Room Rent and Boarding expenses | $2,000 per Day up to 30 Days | $2,000 per Day up to 30 Days | $2,000 per Day up to 30 Days |
| Emergency Room Services | $2,000 | $2,000 | $2,000 |
| ICU Charges | $3,750 per Day up to 10 Days | $3,750 per Day up to 10 Days | $3,750 per Day up to 10 Days |
| Surgical Treatment Expenses | $15,000 | $15,000 | $15,000 |
| 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | |
| Physician Consultation Charges | $250 per day up to 10 visits | $250 per day up to 10 visits | $250 per day up to 10 visits |
| Diagnostic Tests | Up to $1,500 | Up to $1,500 | Up to $1,500 |
| Ambulance Service (Not applicable for Outpatient Treatment) | Up to $750 | Up to $750 | Up to $750 |
| Pharmacy | Up to $2,000 | Up to $2,000 | Up to $2,000 |
| Miscellaneous Expenses | Up to $500 | Up to $500 | Up to $500 |
| Emergency Room Services | $35,000 | $35,000 | $35,000 |
| Non-Surgical (Medical Management cases) | $17,500 | $17,500 | $17,500 |
| Benefits | Titanium |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 3 months - 60 years |
| Destination | Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe |
| Sum Insured for Accident & Sickness | Up to $750,000 Deductible : $100 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Up to $15,000 |
| Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $750,000 Deductible : $100 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement (Overseas) | Accidental Death: Maximum $50,000 Accidental Disablement: Maximum $50,000 Benefit Total - Maximum $50,000 |
| Emergency Medical Dental Expenses | $1,000 Deductible : $50 |
| Delay of Checked-in Baggage | $50 Deductible : After 4 hours |
| Loss of Checked-in Baggage | $400 |
| Loss of Passport | $500 Deductible : $25 |
| Personal Liability | $500,000 Deductible : $250 |
| Trip Curtailment | $1,000 Deductible : $100 |
| Trip Cancellation | $1,000 Deductible : $100 |
| Flight Delay | $50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
| Missed Flight/Connection | $750 |
| Bounced Hotel/Airline booking | $2,500 Deductible : $100 |
| Fraudulent Charges | Per Occurrence Limit $1,250; Maximum Limit $2,500 |
| Home Content Burglary (in INR) | ₹500,000 Deductible : ₹5,000 |
| Accommodation Extension | $1,000 per day up to max of 10 days |
| Hijack/Kidnap Daily Allowance | $150 Per 12 hours, up to max of 10 days |
| Loss of International driving license | $150 |
| Flight Cancellation | $200 |
| Emergency Extension of the Policy | 15 days |
| Loss of Personal Baggage | $400 Deductible : $30 |
| Personal Accident in India (in INR) | ₹2,500,000 |
| Compassionate Travel/Stay | Up to $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member |
| Loss of Cash | $250 |
| Upgradation to Business Class | $750 |
| Rental Vehicle Cover | $500 |
| Rental Vehicle Return | $250 |
| Alternative Transport Expenses | $750 |
| Pandemic Cover | $500 |
| Medical Sublimit | Titanium |
|---|---|
| Hospital Room Rent and Boarding expenses | $2,000 per Day up to 30 Days |
| Emergency Room Services | $2,000 |
| ICU Charges | $3,750 per Day up to 10 Days |
| Surgical Treatment Expenses | $15,000 |
| 25% of Surgical Treatment Expenses for Anesthetist Services | |
| Physician Consultation Charges | $250 per day up to 10 visits |
| Diagnostic Tests | Up to $1,500 |
| Ambulance Service (Not applicable for Outpatient Treatment) | Up to $750 |
| Pharmacy | Up to $2,000 |
| Miscellaneous Expenses | Up to $500 |
| Emergency Room Services | $35,000 |
| Non-Surgical (Medical Management cases) | $17,500 |
| Benefits | Titanium Plus |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 3 months - 60 years |
| Destination | Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe |
| Sum Insured for Accident & Sickness | Up to $1,000,000 Deductible : $100 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Up to $20,000 |
| Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $1,000,000 Deductible : $100 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement (Overseas) | Accidental Death: Maximum $75,000 Accidental Disablement: Maximum $75,000 Benefit Total - Maximum $75,000 |
| Emergency Medical Dental Expenses | $1,200 Deductible : $50 |
| Delay of Checked-in Baggage | $50 Deductible : After 4 hours |
| Loss of Checked-in Baggage | $500 |
| Loss of Passport | $500 Deductible : $25 |
| Personal Liability | $500,000 Deductible : $250 |
| Trip Curtailment | $1,500 Deductible : $100 |
| Trip Cancellation | $1,500 Deductible : $100 |
| Flight Delay | $50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
| Missed Flight/Connection | $750 |
| Bounced Hotel/Airline booking | $5,000 Deductible : $100 |
| Fraudulent Charges | Per Occurrence Limit $1,250; Maximum Limit $2,500 |
| Home Content Burglary (in INR) | ₹500,000 Deductible : ₹5,000 |
| Accommodation Extension | $1,000 per day up to max of 10 days |
| Hijack/Kidnap Daily Allowance | $200 Per 12 hours, up to max of 10 days |
| Loss of International driving license | $150 |
| Flight Cancellation | $250 |
| Emergency Extension of the Policy | 15 days |
| Loss of Personal Baggage | $500 Deductible : $30 |
| Personal Accident in India (in INR) | ₹5,000,000 |
| Compassionate Travel/Stay | Up to $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member |
| Loss of Cash | $375 |
| Upgradation to Business Class | $1,000 |
| Rental Vehicle Cover | $500 |
| Rental Vehicle Return | $500 |
| Alternative Transport Expenses | $1,000 |
| Pandemic Cover | $500 |
| Hospital Daily Cash (Per Day) | $75 Per day, up to max of 10 days |
| Missed Booking | $750 |
| Visa Rejection | $100 |
| Medical Sublimit | Titanium Plus |
|---|---|
| Hospital Room Rent and Boarding expenses | $2,500 per Day up to 30 Days |
| Emergency Room Services | $2,500 |
| ICU Charges | $4,000 per Day up to 10 Days |
| Surgical Treatment Expenses | $22,500 |
| 25% of Surgical Treatment Expenses for Anesthetist Services | |
| Physician Consultation Charges | $350 per day up to 10 visits |
| Diagnostic Tests | Up to $2,500 |
| Ambulance Service (Not applicable for Outpatient Treatment) | Up to $1,000 |
| Pharmacy | Up to $2,000 |
| Miscellaneous Expenses | Up to $500 |
| Emergency Room Services | $40,000 |
| Non-Surgical (Medical Management cases) | $20,000 |
| Benefits | Senior | Senior Plus | Super Senior |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 71-80 years | 71-80 years | 81+ years |
| Destination | Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe | Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe | Worldwide / Rest of World excluding North & South America and Canada / Schengen Countries in Europe |
| Sum Insured for Accident & Sickness | Upto $50,000 Deductible : $100 |
Upto $100,000 Deductible : $100 |
Upto $50,000 Deductible : $100 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Upto $2,500 | Upto $3,000 | Upto $1,500 |
| Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $50,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Up to $50,000 Deductible : $100 |
| Repatriation of Mortal Remains | Upto 25% of Accident & Sickness Sum Insured | Upto 25% of Accident & Sickness Sum Insured | Upto 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement (Overseas) | Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
| Emergency Medical Dental Expenses | $300 Deductible : $75 |
$500 Deductible : $75 |
- |
| Delay of Checked-in Baggage | $40 Deductible : After 4 hours |
$40 Deductible : After 4 hours |
$40 Deductible : After 4 hours |
| Loss of Checked-in Baggage | $200 | $200 | $200 |
| Loss of Passport | $250 Deductible : $25 |
$250 Deductible : $25 |
$250 Deductible : $25 |
| Personal Liability | $1,00,000 Deductible : $200 |
$1,00,000 Deductible : $200 |
$1,00,000 Deductible : $200 |
| Trip Curtailment | $500 Deductible : $100 |
$500 Deductible : $100 |
$500 Deductible : $100 |
| Trip Cancellation | $250 Deductible : $50 |
$500 Deductible : $50 |
$250 Deductible : $50 |
| Flight Delay | $40 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$40 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$40 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
| Missed Flight/Connection | $250 | $250 | $250 |
| Bounced Hotel/Airline booking | $500 Deductible : $50 |
$500 Deductible : $75 |
$250 Deductible : $50 |
| Home Content Burglary (in INR) | ₹50,000 Deductible : ₹5,000 |
₹50,000 Deductible : ₹5,000 |
₹50,000 Deductible : ₹5,000 |
| Accommodation Extension | $50 per day upto max of 10 days | $100 per day upto max of 10 days | $50 per day upto max of 10 days |
| Hijack/Kidnap Daily Allowance | $75 Per 12 hours, upto max of 10 days | $100 Per 12 hours, upto max of 10 days | $75 Per 12 hours, upto max of 10 days |
| Loss of International driving license | - | - | - |
| Flight Cancellation | - | $75 | - |
| Emergency Extension of the Policy | 7 days | 7 days | 7 days |
| Loss of Personal Baggage | - | $200 Deductible : $30 |
- |
| Compassionate Travel/Stay | Upto $2,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $2,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member |
| Medical Sublimit | Senior | Senior Plus | Super Senior Plus |
|---|---|---|---|
| Hospital Room Rent and Boarding expenses | $1,500 per Day up to 30 Days | $1,500 per Day up to 30 Days | $1,500 per Day up to 30 Days |
| Emergency Room Services | $1,500 | $1,500 | $1,500 |
| ICU Charges | $3,000 per Day up to 7 Days | $3,000 per Day up to 7 Days | $3,000 per Day up to 7 Days |
| Surgical Treatment Expenses | $12,500 | $12,500 | $12,500 |
| 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | |
| Physician Consultation Charges | $125 per day upto 10 visits | $125 per day upto 10 visits | $125 per day upto 10 visits |
| Diagnostic Tests | Up to $750 | Up to $750 | Up to $750 |
| Ambulance Service (Not applicable for Outpatient Treatment) | Up to $500 | Up to $500 | Up to $500 |
| Pharmacy | Up to $2,000 | Up to $2,000 | Up to $2,000 |
| Miscellaneous Expenses | Up to $500 | Up to $500 | Up to $500 |
| Emergency Room Services (Total) | $27,500 | $27,500 | $27,500 |
| Non-Surgical (Medical Management cases) | $13,000 | $13,000 | $13,000 |
The Assistance Company, Europe Assist offers Claims Support and Assistance to the Traveller abroad, across the world. .Some of their services include:
There are many advantages of buying TATA AIG’s insurance plans online. Some of the advantages are listed below:
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.
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’.
The standard deductible under the Accident & Sickness Reimbursement is $100 irrespective of the value of the claim. The same is not taxable.
Yes, Tata AIG offers Travel Guard plans without sublimit restrictions, which you can opt for your parents who are 60+ and travelling overseas.
The sublimits are applicable to all International travelers of Age Category above 56 years. Please refer the benefits under all Plans as in the Travel brochure of Insurance Company.
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.
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 $10,000 is per Incident/Ailment which means that the limit gets topped up once a claim is settled, much like the Sum Insured Restoration feature in Health Insurance.. For eg. If Individual A has 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.
A newborn child will be covered after 6 months of birth.
Persons between 6 months up to 99 years can buy TATA AIG travel insurance. For those who are above the age of 70 (i.e. 71-99 years ) can buy Senior Citizen plan.
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.
Tata AIG essentially offers two types of travel insurance plans…one for single trip and another for multi trip (frequent travellers going abroad more than 3-4 trips in a year). Under the Single trip plans Tata AIG offers Travel Guard for individuals traveling to any part of the world…They also offer plans specific for Asia, and for Domestic travel within India. They also have an insurance plan specifically for students going abroad for their higher studies.
Under the Multitrip they offer a comprehensive Annual Multitrip plan covering frequent travellers which has worldwide coverage.
In an insurance policy, the deductible is the amount paid out of pocket by the policy holder before an insurance provider will pay any expenses. In general usage, the term deductible may be used to describe one of several types of clauses that are used by insurance companies as a threshold for policy payments. 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. The deductible under the Accident & Sickness is normally USD $100 under all Tata AIG plans.
Yes, Tata AIG offers Cashless Travel/Health Insurance overseas for inpatient hospitalisation, subject to the treatment being covered under the policy. The Assistance TPA/Insurance company will pay up to 100% of the claim to the medical facility above the deductible amount (mentioned on the policy certificate), upto the maximum Sum Insured availed and subject to the policy terms and conditions. This will be done either by placing a Guarantee of Payment (GOP) or making a payment directly to the hospital. This is subject to eligibility of the insured for coverage.
Let us look at a couple of examples…
Example 1 - if the insured is admitted to the hospital for treatment for a covered illness and the hospital estimates the expenses to be $700, then Tata AIG will pay the hospital $600 and the insured will pay the $100 which is the deductible under the policy.
Example 2 – if the insured is admitted to the hospital for treatment for a covered illness and the hospital estimates the expenses to be $70,000, and the total Sum Insured under the policy is $50,000, then Tata AIG will pay the hospital $49,900 and the insured will need to pay the remaining $20,100 which is the deductible under the policy. (Insurer will pay max sum insured of $50,000 minus deductible of $100).
Yes, Tata AIG’s travel insurance plans do cover outpatient medical expenses upto the sum insured opted for by the traveller. However the difference between inpatient and outpatient treatment is that in the case of outpatient (OPD) treatment, the travelling insured needs to settle the hospital bills directly by making a payment to the facility and then get a refund from the insurance company after submitting the invoices to the claims team. This reimbursement process could take upto 7 working days after submitting all the relevant documents.
Tata AIG’s best selling plan is Travel Guard Plus. Under Travel Guard Plus, they offer an “Excluding Americas” plan which covers travellers who are going to any other country in the world except North and South America. This plan will cover you for your travel to both the Schengen countries and UK. Given the cost of healthcare in these countries it is advisable to go ahead with the Gold (cover of $250,000) or Platinum (cover of $500,000) plan.
A pre existing condition means any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 36 months prior to commencement of the first Policy issued by the Insurer. This means that if the insured is traveling abroad with a pre existing condition and avails of any treatment abroad, Tata AIG will not be liable for paying the claim, unless the insured is in a Life threatening situation.
Tata AIG however offers a limited coverage for medical arising due to pre existing conditions, when the situation is Life threatening in nature, which ranges from $1,500 to $20,000 depending on the plan opted for. A Life threatening condition is an unforeseen medical emergency, which puts the life of the insured at extreme risk. 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 upto a limit specified in the policy terms and conditions.
The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute pain. All further medical cost to improve or maintain medically stable state or to prevent the onset of acute pain would have borne by the Insured.
Technically Travel Insurance doesn’t fall under the category of insurance policies which have a renewal date. Two types of plans (Student Insurance and Annual Multi Trip plans) have a renewal date or what can be termed as an extension date. Hence once must apply for a renewal/extension on eindiainsurance and post approval from the insurance company, the extension / renewal policy can be purchased on the same website.
Tata AIG’s travel insurance plans for business and leisure travellers can be purchased for a maximum duration of 180 days at a time. As a special case, the traveller can seek an extension beyond this duration, but that is subject to approval from the Tata AIG team. However the Tata AIG Student plans have a maximum duration of 365 days at a time.
There are two types of claims that an insured can file under a Travel Insurance policy.
The first is a Cashless/Direct Settlement claim which is typically for Inpatient treatment for Accident & Sickness Medical expense claims. So if the insured is admitted to the hospital, the family should reach out to the Assistance TPA (their contact details are on the insurance certificate) and inform the about the hospitalisation. The Assistance Company will make coordinate with the hospital and insurance company to make a payment directly with the hospital.
The other type of claims are Reimbursement claims where the upfront expenses are incurred by the insured and then a reimbursement is sought from the Insurance company. Reimbursement claim are usually for Outpatient Medical Expense claims and for Non Medical claims like Passport Loss, Baggage Delay/Loss, Trip Delay, Missed Connection, Personal Accident etc.
Here the insured is required to retain bills, receipts, documents pertaining to the expenses incurred and then submit the same to the insurance company on their return to India. The documents are submitted along with a claim form which narrates the type of loss incurred and other information including bank details, policy details etc. All insurance companies reimburse these claims against the documents submitted in a standard outer timeframe of 7 working days subject to policy terms and conditions.
Tata AIG currently has sublimits under its Travel insurance policies as per the table below…this means that if there is an insured who has opted for an insurance policy with a sum insured of $50,000, in case of a surgery, the insurance company’s exposure/claims payment will be restricted to $10,000 (see table below for Surgical Treatment). Similarly there is a restriction on the room rent, ICU charges etc.
| Tata AIG Sublimits for Insureds above 56 years of age | |
| 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 |
| Anaesthetist 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 |
"This to convey our gratitude to your customer support team for having guided us very well in procuring our overseas travel insurance."
Vrinda Tandan"Pleasantly surprised with the quick response I received from the travel insurance advisor at Eindiainsurance on account of my recently posted query for my dad's travel and health coverage in Singapore from India."
Saurabh"Thank you very much for the cooperation and support as per the request made with updated dates on the policy issued. Appreciate it."
Rajeev HundooTips to find good and adequate international travel health insurance.
Know more »Comparison of overseas Healthcare cost and popular tourist destinations.
Know more »How to use visitor insurance in case of sudden sickness and accidents.
Know more »You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.
Know more »Travelers who have already traveled from India and do not have insurance can buy Tata AIG travel medical insurance after getting the approval.
Know more »TATA AIG health insurance renewal customers can renew existing policy online before the exipry date at any time.
Know more »In case of a claim or reimbursement of treatment expenses, notify Tata AIG by contacting them.
Know more »Kindly refer the Policy Wordings for complete coverage details along with terms and conditions.
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