TATA AIG Overseas Travel Insurance Claims Procedure
You can claim TATA AIG Overseas Travel Insurance by informing the assistance provider as soon as the incident occurs. Medical emergencies may qualify for cashless treatment, while reimbursement claims require supporting documents and are settled as per the policy terms.
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 | |
Assistance
TATA AIG Travel Insurance - 24 Hour Assistance Contact
For Cashless Claims (For Insured Only) - USA/Canada
For Cashless Claims (For Insured Only) - USA/Canada
- Number: +1-833-440-1575 (Tollfree within US and Canada)
- Email: [email protected]
For Cashless Claims (For Insured Only) - Countries Other Than USA/Canada & India
- Number: +91-22-68227600 (Call back facility available)
- Email: [email protected]
For Reimbursement Claims (For Insured Only)
- Email: [email protected]
- Customers calling from India: 022-64898282 (24×7)
- Senior Citizens Helpline: 1800-267-1955
- Customers calling from outside India: +91-22-66939500
- Website: www.tataaig.com
Claims Department Address
TATA AIG General Insurance Company Ltd.
7th and 8th Floor, Romell Tech Park,
Cama Industrial Estate, Western Express Highway,
Goregaon (E),
Mumbai, Maharashtra - 400063.
7th and 8th Floor, Romell Tech Park,
Cama Industrial Estate, Western Express Highway,
Goregaon (E),
Mumbai, Maharashtra - 400063.
For Availing Optional Assistance Services
- USA/Canada: +1-833-440-1575 (Tollfree within US and Canada)
- Email: [email protected]
- Other Countries: +91-22-68227600 (Call back facility available)
- Email: [email protected]
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 TATA AIG General Insurance Company Ltd.
Useful Tips
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
Customer Reviews
Travel Insurance Claims Procedure Reviews
★★★★★
This to convey our gratitude to your customer support team for having guided us very well in procuring our overseas travel insurance.
D
★★★★★
I felt happy to have a travel insurance from you. I can easily compare with all the companies and based on my requirement I can select the required one.
M
★★★★★
Thank you very much for the cooperation and support as per the request made with updated dates on the policy issued. Appreciate it.
R
Frequently Asked Questions
Frequently Asked Questions - Travel Insurance Claims Procedure
Answers to common questions about TATA AIG Travel Insurance Claims Procedure
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.
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.
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.
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.
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Useful Links
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How to buy online?
Buy Travel Insurance online using UPI, credit/debit card, NEFT, RTGS, or cheque.
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How to Make a Claim?
For claim or reimbursement, contact TATA AIG via toll-free helpline.
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How are Claims settled?
Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.
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Policy Extension & Renewal
How Can I Extend or Renew My TATA AIG Travel Insurance Policy While Outside India?
Indian travelers who want to extend or renew TATA AIG travel insurance can complete the TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.
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Documents Required for Policy Extension / Renewal
- check_circle Filled and signed Good Health Declaration
- check_circle Copy of passport (first page, last page and departure stamp page)
- check_circle Air ticket copy of onward journey (travelled from India to overseas destination)
Important: Renewal or extension requests are subject to insurer approval and policy terms & conditions.
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