TATA AIG overseas travel medical Insurance - Free Quotes

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TATA AIG Overseas travel insurance

Thanks to the increasing affluence of the Indian middle class, low cost air carriers and easy access to information on smartphones, Indians are traveling overseas like never before. An estimated 15 millions Indians traveled internationally in 2016, and the figure is expected to reach 50 million by 2020. International travel is for varied reasons, most commonly for recreation, business and for visiting family in different countries. No matter why you travel overseas, be it for exposure to an alien lifestyle, culture, cuisine or a foreign location, they all involve some health risk, in particular for older travellers. Accidents, Sudden illness, Baggage loss, Baggage delay, Passport loss, trip delay etc are some of the unanticipated incidents that may curtail your travel plan. You may consider international travel insurance as an extra expenditure but it is very essential to avoid financial disaster during an emergency.

TATA AIG General insurance has designed an unique tata aig international travel health insurance plan called 'TATA AIG Travel Guard insurance' that covers you during emergencies that are 'sudden and accidental'. You can get the complete quotes using the TATA AIG premium chart. You can also renew/extend the plan using TATA AIG travel insurance online extension on expiry. NRIOL is an authorized partner with TATA AIG since 2004, with more than Seventy thousand and growing satisfied online customers so far. You can buy TATA AIG International Travel insurance online either using our Credit Card purchase, Net banking or Cheque payment facility within NRIOL. TATA AIG visitors medical insurance also satisfies Schengen visa requirements. Please read through tata aig travel insurance brochure for the benefits covered by the plan and its policy wordings which explains the terms and conditions. In USA, TATA AIG works with United Healthcare travel insurance network provider to help our customers get access to the best quality healthcare hospitals and doctors.

There are no sub-limits for travelers up to the age of 56 years. For travelers older than 56 years, there are two plan options, a cheaper plan with sub-limits and a second plan without sub-limits. For travelers less than 70 years, you can get a medical maximum coverage ranging from USD 50,000/- up to USD 500,000/-. For travelers older than 70 years, the coverage is limited to USD 50,000. The TATA AIG travel insurance policy also provides cover for pre existing ailments under life threatening conditions up to USD 1,500.
 
Senior Citizen plan

Travel insurance for senior citizens plan is specifically designed for older travelers above 70 years with a maximum coverage of US$50,000 coverage and is available with or without sublimits. Pre-existing ailments or medical conditions are covered up to $1,500 only in case of life threatening situation.
Senior Citizens insurance is renewable with no claims and a good health declaration if the total number of travel days does not exceed 180 days.

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Annual Multi Trip

Annual Multi Trip by TATA AIG allows the insured to travel as many times as possible within the coverage period of One Year. However each trip cannot exceed a period of 30 to 45 days depending on the plan purchased.
There are 2 annual multitrip plans available:
  • Gold - Maximum coverage of $250,000
  • Platinum - Maximum coverage of $500,000

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Asia Travel Guard

Holidays in Asian countries like Hong Kong, Singapore, Thailand, Malaysia, Dubai, Sri Lanka, Maldives...is exotic and popular with many Indians. Those who are travelling within Asia for vacation can buy TATA AIG Asia Travel Guard for affordable price than going to other travel insurance plans.
The cost of overseas travel health insurance is very nominal given the overall cost of an international vacation.

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Plan without sub-limits

TATA AIG travel guard insurance plan now includes comprehensive coverage even for older travelers. Most Indian overseas mediclaim insurance plans offer comprehensive coverage (without sublimits) only up to a certain age. After this threshold age, most "travel insurance plans have sublimits", which means older travel insurance coverage is very limited.

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TATA travel Insurance for Schengen visa requirements

The TATA overseas travel insurance plan can be purchased while applying for the Schengen visa. The common Schengen visa is valid for the following countries: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland. Travelers should buy the following TATA AIG schengen visa travel insurance plans -
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  • Check Mark Travelers aged 6 months – 55 years are eligible to buy these plans:

    1. TATA AIG Silver Plan - $50,000 max coverage
    2. TATA AIG Silver Plus Plan - $100,000 max coverage
    3. TATA AIG Gold Plan - $250,000 max coverage
    4. TATA AIG Platinum Plan - $500,000 max coverage
  • Check Mark Travelers aged 56 years – 70 years are eligible to buy these plans:

    1. TATA AIG Silver Plan without sublimits - $50,000 max coverage
    2. TATA AIG Silver Plus Plan without sublimits - $100,000 max coverage
    3. TATA AIG Gold Plan without sublimits - $250,000 max coverage
    4. TATA AIG Platinum Plan without sublimits - $500,000 max coverage
  • Check Mark Travelers aged 70+ years are eligible to buy this plan:

    1. TATA AIG Senior Plan without sublimits - $50,000 max coverage

HOW TO BUY ONLINE

Buy insurance policy online using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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TRAVELER OUTSIDE INDIA

Medical insurance for travelers already outside India

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ONLINE RENEWAL

Tata aig travel insurance extension allows customers to renew/extend their plan on expiry.

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INSURANCE CLAIMS

TATA AIG Travel insurance Claims Procedure information.

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ARTICLES

Travelling overseas broadens our perspectives about the world as it exposes us to different cultures and people, however these journeys also involve some risk. The chances of unexpected medical emergencies while outside India is always present.

TATA AIG travel insurance is designed specially to meet the requirements of Indians traveling overseas and covers their medical expenses along with other possible travel related losses such as baggage delay and baggage loss.

The purpose of travel could be for leisure or for business, however there are always chances of risk should you ignore buying travel insurance. Baggage loss, passport loss, personal accidents, sudden illness, hospitalization is alien locations...happen when least expected. Health care is very expensive in foreign countries like the US and Canada. Hospitalization in these countries may even bankrupt you.
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Insurance Coverage

  • Coverage for Medical Expenses: Travel Guard takes care of your medical expenses due to accident and sickness while travelling so that you can stay peaceful.

  • Checked baggage loss: The insured can avail compensation for the loss of checked in baggage under this plan.

  • Baggage delay: Compensation for reasonable expenses incurred for purchase of emergency personal belongings in case the checked in baggage is delayed.

  • Loss of Passport: Compensation for expenses incurred in obtaining a duplicate or new passport.

  • Personal Liability: In case of death, bodily injury or damage to property caused involuntarily by the insured, then compensation for damages will be paid to a third party.

  • In-hospital Indemnity: Travel Guard pays a Daily benefit for each day of stay as an inpatient in a hospital due to injury or sickness.

  • Trip Delay: Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).

  • Personal Accident: Travel Guard gives you worldwide coverage against Accidental Death and Dismemberment while you are abroad anywhere in the world.

  • Sickness and Dental Relief: The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.

Tata aig overseas mediclaim policy exclusions

The insured is not covered if any expenses incurred directly or indirectly in case of travelling against the advice of a physician for obtaining treatment. Pre-existing ailments and complications arising out of them are not covered. Suicide or attempted suicide, War, Terrorism, Illegal Acts, Dangerous Sports etc are excluded from Travel Guard coverage. For those who are above the age of 56 there are certain Sub Limits. For more tata aig visitor health insurance exclusion details please refer to the TATA AIG Travel Policy Wordings.
Student Insurance Quotes
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TATA AIG Student Guard

Studying abroad is an opportunity twice over. You can learn in the college of your choice, and use free time exploring new lands, new cultures. But remember, with this opportunity comes the risk of an accident or loss of sponsorship. Tata AIG's Student Guard plan is designed for people travelling abroad for studies. Please refer the TATA AIG student health insurance brochure for the benefits covered by the plan and its policy wordings which explains the terms and conditions. TATA AIG Student Online Renewal can be done easily and quickly by send us a request with the old policy number and expiry date.
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