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TATA AIG Travel Insurance for Pre-Existing Conditions
Travelling with a pre-existing health condition can bring uncertainties, but buying the right travel insurance shouldn't add to your worries while planning your trip. TATA AIG’s travel insurance provides limited coverage for declared pre-existing medical conditions.
shieldMedical Coverage Upto $100,000
boltNo Pre Travel Medical Tests
task_altCoverage for Pre Existing Conditions
₹156
per day cost*
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Pre-Existing Plans
What Is a Pre-Existing Medical Condition?
A pre-existing condition usually means any medical condition for which medical advice, diagnosis, care or treatment was recommended or received, prior to the insured traveling abroad. Many insurance plans exclude coverage of pre-existing conditions and treatment arising out of them. Some insurance companies like Tata AIG offer a restricted cover for Pre Existing Conditions and this is offered only in a Life-Threatening scenario.
Benefit
What Is Covered Under Pre-Existing Benefit?
The Pre Existing benefit coverage is a sublimit under Medical Expenses which pays for Emergency measures till the time You become Medically Stable or relieved from Acute Pain. Importantly this is payable in the case of a Life-Threatening condition, which is defined as a condition which is potentially fatal, and if left untreated can lead to death. The coverage is upto the Sum Insured mentioned in the Policy schedule. All further medical cost to improve or maintain medically stable state or to prevent the onset of acute pain would be borne by You
Coverage Details
Does Tata AIG Travel Insurance Cover Pre-Existing Conditions?
Yes, TATA AIG Travel Insurance provides limited coverage for pre-existing medical conditions, subject to plan terms and conditions.
- Coverage is available for all age groups, including senior citizens and parents, for trips of 180 days and longer (as per plan eligibility).
- Coverage for pre-existing conditions typically ranges from USD 1,500 to USD 20,000, depending on the plan selected.
- Pre-existing conditions are covered only if they are declared and only in life-threatening emergency situations during the trip.
- Coverage limits, eligibility, and definitions vary by plan. Always review the policy wording for exact terms.
Emergency Medical Coverage
What is a "Life-Threatening Emergency"?
A life-threatening emergency means a medical condition suffered by the Insured Person, which is potentially fatal, and if left untreated can lead to death.
The treatment for these emergency measures would be paid till the time Insured Person become 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 be borne by Insured Person. The liability is payable as per terms and conditions of the policy document.
Example: If you’re hospitalized for a heart attack abroad, TATA AIG will cover emergency treatment and stabilization costs. Once your condition is under control and no longer critical, further treatment (like long-term medication) won’t be covered. The insurance company goes by the doctors report to decide whether your treated medical condition was life threatening or not. The liability is paid as per terms and conditions of the policy.
layers Plan Options
Comprehensive International Travel Insurance by TATA AIG – Travel Worry-Free Worldwide?
| Benefits | Silver |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 6 months - 70 years |
| Destination | Worldwide cover |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $50,000 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Benefit amount varies by variant |
| Emergency Medical Evacuation | Up to USD 50,000 |
| Repatriation of Mortal Remains | Typically up to a percentage of the Sum Insured |
| Accidental Death & Disablement | Benefit amounts depend on variant |
| Emergency Medical Dental Expenses | Benefit amounts depend on variant |
| Delay of Checked-in Baggage | Benefit amount as specified in policy schedule (could be around USD 40-USD 100) |
| Loss of Checked-in Baggage | Benefit amount as per plan (for example USD 200 in earlier versions |
| Loss of Passport | Benefit amount (e.g., around USD 250 in earlier versions) |
| Trip Curtailment | Benefit amounts indicated in schedule (e.g., USD 500 in earlier versions) |
| Trip Cancellation | $500 |
| Missed Flight/Connection | Benefit amount as per plan schedule (e.g., USD 250 in earlier versions) |
| 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 | All countries covered, Excluding politically disturbed countries | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $100,000 | Up to $100,000 | Up to $100,000 |
| 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 | Up to $100,000 | Up to $100,000 | Up to $100,000 |
| 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 | 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 | $400 | $400 |
| Delay of Checked-in Baggage | $40 | - | $40 |
| Loss of Checked-in Baggage | $200 | - | $200 |
| Loss of Passport | $250 | - | $250 |
| Trip Curtailment | $500 | - | $500 |
| Trip Cancellation | $500 | - | $500 |
| Missed Flight/Connection | $250 | - | $250 |
| Benefits | Gold Plus | Gold Plus Plan A | Gold 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 | All countries covered, Excluding politically disturbed countries | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $250,000 | Up to $250,000 | Up to $250,000 |
| 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 | Up to $250,000 | Up to $250,000 | Up to $250,000 |
| 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 | 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 | $500 | $500 |
| Delay of Checked-in Baggage | $45 | - | $45 |
| Loss of Checked-in Baggage | $300 | - | $300 |
| Loss of Passport | $250 | - | $250 |
| Trip Curtailment | $750 | - | $750 |
| Trip Cancellation | $750 | - | $750 |
| Flight Delay | $45 For all overseas flights taken during Insured Trip | - | $45 For all overseas flights taken during Insured Trip |
| Personal Liability | $200,000 | - | - |
| Missed Flight/Connection | $500 | - | $500 |
| 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 | All countries covered, Excluding politically disturbed countries | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $500,000 | Up to $500,000 | Up to $500,000 |
| 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 | Up to $500,000 | Up to $500,000 | Up to $500,000 |
| 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 | 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 | $1,000 | $1,000 |
| Delay of Checked-in Baggage | $50 | - | $50 |
| Loss of Checked-in Baggage | $300 | - | $300 |
| Loss of Passport | $250 | - | $250 |
| Trip Curtailment | $1,000 | - | $1,000 |
| Trip Cancellation | $1,000 | - | $1,000 |
| Flight Delay | $50 For all overseas flights taken during Insured Trip | - | $50 For all overseas flights taken during Insured Trip |
| Personal Liability | $500,000 | - | - |
| Missed Flight/Connection | $750 | - | $750 |
| Benefits | Titanium |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 3 months - 60 years |
| Destination | All countries covered, Excluding politically disturbed countries |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $750,000 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Up to $15,000 |
| Emergency Medical Evacuation | Up to $750,000 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Accidental Death: Maximum $50,000 Accidental Disablement: Maximum $50,000 Benefit Total - Maximum $50,000 |
| Emergency Medical Dental Expenses | $1,000 |
| Delay of Checked-in Baggage | $50 |
| Loss of Checked-in Baggage | $400 |
| Loss of Passport | $500 |
| Trip Curtailment | $1,000 |
| Trip Cancellation | $1,000 |
| Flight Delay | $50 For all overseas flights taken during Insured Trip |
| Personal Liability | $500,000 |
| Missed Flight/Connection | $750 |
| Benefits | Titanium Plus |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 3 months - 60 years |
| Destination | All countries covered, Excluding politically disturbed countries |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $1,000,000 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Up to $20,000 |
| Emergency Medical Evacuation | Up to $1,000,000 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Accidental Death: Maximum $75,000 Accidental Disablement: Maximum $75,000 Benefit Total - Maximum $75,000 |
| Emergency Medical Dental Expenses | $1,200 |
| Delay of Checked-in Baggage | $50 |
| Loss of Checked-in Baggage | $500 |
| Loss of Passport | $500 |
| Trip Curtailment | $1,500 |
| Trip Cancellation | $1,500 |
| Flight Delay | $50 For all overseas flights taken during Insured Trip |
| Personal Liability | $500,000 |
| Missed Flight/Connection | $750 |
| 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 | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries |
| Sum Insured for Accident & Sickness Medical Expenses | Upto $50,000 | Upto $100,000 | Upto $50,000 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Upto $2,500 | Upto $3,000 | Upto $1,500 |
| Emergency Medical Evacuation | Up to $50,000 | Up to $100,000 | Up to $50,000 |
| 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 | 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 | $500 | - |
| Delay of Checked-in Baggage | $40 | $40 | $40 |
| Loss of Checked-in Baggage | $200 | $200 | $200 |
| Loss of Passport | $250 | $250 | $250 |
| Trip Curtailment | $500 | $500 | $500 |
| Trip Cancellation | $250 | $500 | $250 |
| Flight Delay | $40 For all overseas flights taken during Insured Trip | $40 For all overseas flights taken during Insured Trip | $40 For all overseas flights taken during Insured Trip |
| Personal Liability | $1,00,000 Deductible : $200 |
$1,00,000 Deductible : $200 |
$1,00,000 Deductible : $200 |
| Missed Flight/Connection | $250 | $250 | $250 |
Cost Guide 2026
How Much Does TATA AIG Pre-Existing Conditions Travel Insurance Cost?
The cost for TATA AIG Insurance for International Travel starts at ₹29 per day, with plans offering between $50,000 and $1,000,000. Key benefits include medical expenses, emergency evacuation, baggage protection, and trip cancellation - ideal for travelers seeking either budget or premium international coverage.
| Plan | Medical Cover | Pre-Existing | Baggage Loss | Trip Cancellation | Starting Price |
|---|---|---|---|---|---|
| Silver | $50,000 | Up to $2,500 | $200 | $500 | ₹29/day* |
| Silver Plus | $1 lakh | Up to $5,000 | $200 | $500 | ₹35/day* |
| Gold | $2.5 lakh | Up to $10,000 | $300 | $750 | ₹38/day* |
| Platinum | $5 lakh | Up to $12,500 | $300 | $1,000 | ₹48/day* |
| Titanium | $7.5 lakh | Up to $15,000 | $400 | $1,000 | ₹53/day* |
| Titanium Plus | $10 lakh | Up to $20,000 | $500 | $1,500 | ₹64/day* |
savings Travel Insurance Plans
TATA AIG Pre-Existing Conditions Travel Insurance Cost & Premium
savings
What Is the Cheapest TATA AIG Travel Insurance for Pre-Existing Conditions?
The Cheapest TATA AIG Travel Insurance for Pre-Existing Conditions from TATA AIG is the Silver Plan starting at ₹₹29/day*
- Medical coverage up to $50,000 for accidents and sickness
- Emergency medical evacuation up to $50,000
- Personal liability up to $100,000
- Accidental death & disablement: $10,000
₹29
per day*
Companion Plan
This plan provides basic yet sufficient protection for budget-conscious travelers.
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Which Is the Best TATA AIG Travel Insurance for Pre-Existing Conditions?
The Best TATA AIG Travel Insurance for Pre-Existing Conditions from TATA AIG is Gold plan, starting at ₹38/day*
- Medical coverage up to $250,000 for accidents and sickness
- Emergency medical evacuation up to $250,000
- Personal liability $200,000
- Accidental death & disablement: $15,000
₹38
per day*
Prime Plan
Ideal for travelers seeking comprehensive coverage at a reasonable cost.
Travel Insurance for Pre-Existing Conditions
Why Choose TATA AIG Travel Insurance for Pre-Existing Conditions?
Tata AIG travel insurance International plus makes you and your family travel with confidence, even with pre-existing medical conditions. Here are the few important factors which makes you to choose Tata AIG travel insurance as the best travel insurance for pre-existing medical conditions.
- Wide age eligibility: Travelers aged 3 months to 99+ years are eligible to buy this plan.
- Multiple plan options: Policy maximum or the sum insured ranges from $50,000 to $1000,000 USD under different plan names like Silver, Silver Plus, Gold, Platinum, Titanium, Senior, Senior plus and Super Senior plans. Each plan offers different coverage limits and sub limits to suit your needs and budget. These plans are available based on the traveler age.
- Coverage limits for pre-existing: Ranging from $1,500 to $20,000, depending on the plan and age of the traveler.
- Pre-existing conditions covered: Only under life-threatening pre-existing medical conditions are eligible for coverage.
- Global protection: Travel with confidence anywhere in the world excluding politically disturbed countries.
- Comprehensive Benefits: Along with pre-existing condition coverage under life-threatening, these plans offer other benefits like baggage loss and delay, flight delay, trip cancellation, missed connection, emergency medical evacuation, repatriation of mortal remains and more. The benefits offered vary from plan to plan. Please go through the policy terms and conditions before you purchase the plan online.
- Exclusions: Routine checkups or non-life-threatening medical conditions are not covered.
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FAQs
Frequently Asked Questions - Pre-Existing Conditions Travel Insurance
Answers to common questions about TATA AIG Pre-Existing Conditions Travel Insurance.
A Life threatening condition is an unforeseen medical emergency, which as per definition is a condition which is potentially fatal, and if left untreated can lead to death. In such an event, Medical Expenses which pays for emergency measures till the time you become Medically Stable or relieved from Acute Pain will be reimbursed upto a limit specified in the policy. This coverage under the Tata AIG plans are available from $1,500 upto $20,000.
There are no specific diseases excluded from Tata AIG’s pre existing conditions of Travel Insurance. It is just that due to a pre existing condition in a Life Threatening situation, the Tata AIG travel insurance plan offers limited cover ranging from $1,500 upto $20,000 to ensure the insured is medically stabilized. For eg. If an insured is suffering from Hypertension, any treatment as a result of this condition in a Life Threatening situation will remain covered.
The insured traveler will need to go through the policy terms and conditions (policy wordings) sent to them along with the Certificate of Insurance and refer to the “Pre Existing Condition” under the Accident & Sickness Medical Expense Reimbursement section to reconfirm this coverage. The Pre Existing benefit coverage is a sublimit under Medical Expenses which pays for Emergency measures till the time You become Medically Stable or relieved from Acute Pain.
If you do not declare your pre-existing medical condition and you are hospitalised on account of such a condition, the claim will be denied/repudiated by the insurance company. The pre-existing conditions declared need to be displayed on the Certificate of Insurance to remain covered.
You will need to submit the Claim Form along with the Discharge Summary from the hospital, the Doctor’s certification along with the Original Medical bills and payment receipts for a reimbursement claim. For a Cashless claim, you will need to inform the Assistance Company abroad to coordinate with the hospital. Please note that the Hospital Summary by the Attending Physician needs to certify that the expenses incurred were related to a declared pre-existing condition.
There is no specific age limitation or restriction for coverage of Pre Existing diseases. Under all Tata AIG plans, there are specified limits of pre-existing coverage. One must note that Tata AIG offers pre existing coverage only in life threatening situations.
The Silver Plan is the cheapest, with premiums starting at ₹23 per day*. It provides minimal pre-existing condition coverage, making it suitable for healthy travellers on a budget.
The Titanium Plus Plan is the best overall plan for most travellers. It offers very high pre-existing condition coverage, along with comprehensive benefits at a balanced price.
The Senior Plan is specifically designed for travellers aged 71 and above. It provides the highest pre-existing and medical coverage, ensuring maximum protection and peace of mind for senior citizens travelling abroad.
Coverage Plans
Compare Tata AIG Travel Insurance Plans for Pre-Existing Condition Coverage
| Plan Name | Pre Existing Condition Coverage Level) | Who It’s Best For | Summary / Recommendation |
|---|---|---|---|
| Silver | report_problem Minimal / Very Limited | Young and healthy travellers with no real medical history |
Provides very limited emergency coverage if a declared condition suddenly worsens. Not suitable as a primary coverage option if you have known conditions. |
| Silver Plus | grade Low | Travellers with minor medical history and low risk |
Slightly better than Silver, but still limited and only useful in strict emergencies. Not recommended if coverage is a priority. |
| Gold | grade grade Low to Moderate | Travellers who want some support for pre existing conditions |
Better than entry plans; covers emergency situations related to declared conditions, but limits may still be low. |
| Platinum | grade grade grade Moderate | Travellers who want stronger support without the highest cost |
Good middle range option; wider benefits and higher limits than Gold. |
| Titanium | grade grade grade grade High | Travellers seeking strong pre existing condition support |
Offers significantly higher coverage for emergencies related to pre existing conditions and overall medical events. |
| Titanium Plus | grade grade grade grade grade Very High | Travellers with serious medical history |
Excellent protection with very high limits for emergency treatment of declared conditions and other benefits. |
| Senior Plan | grade grade grade grade grade Highest (for ages 71+) | Senior citizens aged ~71–99 with known medical history |
Designed for older travellers; highest levels of medical and pre existing condition coverage, ideal for peace of mind abroad. |
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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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Protect Your Journey Abroad
Pre-Existing Travel Insurance
for Safe International Travel
Travel confidently with Tata AIG Pre-Existing Travel Insurance. Designed for Indian travelers aged 71 years and above, the policy offers comprehensive coverage for medical emergencies, hospitalization, emergency evacuation, trip interruptions, and travel-related risks. Enjoy worldwide assistance, cashless hospitalization support, and coverage for life-threatening pre-existing medical conditions while traveling abroad.
Why Choose Tata AIG Pre-Existing Travel Insurance?
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Coverage for travelers up to 3 Months - 99 Years
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Medical coverage up to $1,000,000 for eligible travelers
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Coverage for life-threatening pre-existing conditions
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20 Years of Excellence in Travel Insurance
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24/7 emergency travel and medical support worldwide