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Tata AIG Travel Insurance

Indian family travel insurance

Traveling as a family is a wonderful experience. It is an opportunity to bond as a family and traveling together is a growing experience. Along with discovering a new location, you are getting to know your family members better when you are outside your family environment. Traveling as a family is invariably for a holiday and is usually a pleasant memory and part of our collective family history.

Buy Travel Insurance for Family from India

It is important to make the family travel a joyful experience, and part of making this happen is to have good family travel medical insurance. Families traveling overseas can buy a family travel medical insurance to insure their family members. These family plans provide coverage for all family members in the event of an unforeseen medical emergency or even non-medical adverse situations.
There are many different family travel insurance products available in the Indian insurance market. The definition of ‘Family’ means a self, spouse and dependents under the age of 21 years. A Family floater plan is cheaper than Individual travel health insurance plans. In a family floater cover, any one of the policy holder or all the policy holders can use the policy.
family travel insurance
Few companies that offer family travel health insurance are Reliance general insurance, Bajaj Allianz general insurance and Apollo Munich family travel insurance. Family floater plans can be purchased for 6 months and later can be renewed for another 6 months. Some family plans even provide coverage for pre-existing medical conditions under life threatening situations.

What is the family travel insurance?

Family travel insurance is a insurance provided to the family. Family means self, spouse and dependent children. A family can an individual travel insurance or a family floater travel insurance. In individual travel insurance, the maximum coverage and the policy benefits are covered individually while in a family floater plan, the maximum coverage is shared between the family members insured. A family floater plans works out to be cheaper than the individual plans. The advantage of family floater plan is that in case of claims, the entire sum insured can be used for that person. The popular family floater plans are offered by companies like Reliance, Apollo Munich and HDFC Ergo.

Why Choose Family Travel Insurance?

When you are traveling it is a prudent choice to buy family travel insurance for providing financial protection as well as peace of mind for your entire family. The premium cost is more affordable when you opt for family floater policy than buying individual plan for each member.
  • Comprehensive Coverage for the Whole Family: Under family travel insurance, yourself, your spouse and dependent children can be covered against emergencies during travel like medical treatment, trip cancellations, lost baggage, and flight delays. There will be coverage flexibility and one member can claim more among family members.
  • Convenience and Simplicity: Managing travel insurance becomes easy with family travel insurance for all members in your family. You have to carry single document instead of multiple travel insurance documents for your loved ones.
  • Emergency Assistance and Protection for Dependents: Family travel insurance covers you and all members of your family 24/7 with emergency assistance. You can focus on enjoying your trip as family travel insurance provides protection for all members without worrying about unforeseen events and need for financial support.
  • Peace of Mind for Stress-Free Travel: Your entire family is protected under family travel insurance with comprehensive coverage, emergency support and shared protection. You are assured of a stress free travel experience when you are covered with this policy.

What are the highlights of Family Travel Insurance?

Categories Specification
Eligibility Aged 3 months to 70 years for self, spouse and 2 or 3 dependent children under 21 years
Coverage Worldwide
Features Medical & Hospitalisation Expenses, Baggage Loss, Passport loss, Flight Delay and Flight Cancellation
No. of people covered Minimum 4

How much does a Family Travel insurance cost per month?

The Family travel insurance for 30 days starts at just ₹2,474 for coverage Worldwide Including USA & Canada. Family travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Family travel plan variants.


Plan name 0-40 years 41-55 years 56-60 years
(With sublimits)
56-60 years 61-70 years
(With sublimits)
61-70 years
Silver ($50,000) ₹2,474 ₹3,216 ₹3,216 ₹6,375 ₹6,175 ₹11,902
Silver Plus ($100,0000) ₹2,956 ₹3,553 ₹3,553 ₹7,383 ₹7,156 ₹14,625
Silver Plus Plan A($100,0000) ₹2,499 ₹3,149 ₹3,149 ₹6,920 ₹6,705 ₹14,143
Silver Plus Plan B($100,0000) ₹2,714 ₹3,337 ₹3,337 ₹7,135 ₹6,906 ₹14,358
Gold ($250,0000) ₹3,347 ₹4,593 ₹4,593 ₹9,647 ₹8,768 ₹17,900
Gold Plan A ($250,0000) ₹3,098 ₹3,911 ₹3,911 ₹8,957 ₹8,055 ₹17,242
Gold Plan B ($250,0000) ₹2,672 ₹4,337 ₹4,337 ₹9,338 ₹8,486 ₹17,641
Platinum ($500,0000) ₹3,549 ₹5,102 ₹5,102 ₹10,275 ₹9,403 ₹20,368
Platinum Plan A ($500,0000) ₹2,623 ₹4,099 ₹4,099 ₹9,271 ₹8,336 ₹19,302
Platinum Plan B ($500,0000) ₹3,080 ₹4,586 ₹4,586 ₹9,758 ₹8,823 ₹19,789
Titanium ($750,000) ₹4,775 ₹6,406 ₹6,406 - - -
Titanium Plus ($1,000,000) ₹5,699 ₹7,543 ₹7,543 - - -
Plan name 71-75 years 76-80 years 81 - 85 years 86 - 90 years 90 above years
Senior
($50,000)
₹9,097
(With sublimits)
₹21,769 ₹12,998
(With sublimits)
₹31,450 - - - - -
Senior Plus
($100,000)
₹12,571
(With sublimits)
₹24,351 ₹17,922
(With sublimits)
₹35,141 - - - - -
Super Senior
($50,000)
- - - - ₹25,504
(With sublimits)
₹54,801 ₹40,975
(With sublimits)
₹88,582 -
Super Senior
($50,000)
- - - - - - - - ₹103,396

Family travel insurance for 30 days starts at just ₹1,183 for coverage Worldwide Excluding USA & Canada. Family travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Family travel plan variants.


Traveler's age Travel Guard Plus Silver Travel Guard Plus Silver Plus Travel Guard Plus Gold Travel Guard Plus Platinum Titanium Titanium Plus
$50,000 $100,000 $250,000 $500,000 $750,000 $1,000,000
0-40 years ₹1,183 ₹1,391 ₹1,577 ₹1,897 ₹2,431 ₹2,978
41-55 years ₹1,466 ₹1,811 ₹2,142 ₹2,515 ₹2,991 ₹3,625
56-60 years (With sublimits) ₹1,466 ₹1,811 ₹2,142 ₹2,515 ₹2,991 ₹3,625
56-60 years ₹1,887 ₹2,440 ₹3,168 ₹3,354 - -
61-70 years (With sublimits) ₹2,874 ₹3,674 ₹4,174 ₹4,699 - -
61-70 years ₹3,740 ₹4,999 ₹5,915 ₹7,004 - -
Traveler's age Travel Guard Plus Senior Travel Guard Plus Senior Plus
$50,000 $100,000
71-75 years (With sublimits) ₹5,845 ₹6,604
71-75 years ₹7,725 ₹10,683
76-80 years (With sublimits) ₹7,202 ₹9,352
76-80 years ₹11,174 ₹15,415
Traveler's age Travel Guard Plus Super Senior
$50,000
81 - 85 years (With sublimits) ₹13,936
81 - 85 years ₹23,486
86 - 90 years (With sublimits) ₹23,842
86 - 90 years ₹40,555
91 - 98 years (With sublimits) ₹32,511
91 - 98 years ₹55,490
Traveler's age Travel Guard Plus Super Senior
$50,000
99 years ₹55,490

Overseas travel insurance options for travellers of different ages

person
Below 70 years

Indian overseas travel insurance plans for travelers aged below 70 years.

elderly
Above 70 years

Senior Travelers aged 71-79 years are covered under Indian Insurance Plans while overseas.

elderly
Above 80 years

Indian overseas travel insurance plans for seniors aged above 80 years.

Online travel insurance India, NRIOL travel insurance - FAQ's

What is Covered Under Family Travel Insurance?
Family travel insurance typically covers:
  • Medical Emergencies: Emergency medical expenses, hospitalization, and evacuation.
  • Trip Cancellation/Interruption: Reimbursement for canceled or interrupted trips due to illness or emergencies.
  • Lost/Stolen Baggage: Compensation for lost, damaged, or delayed luggage.
  • Flight Delays/Missed Connections: Coverage for delays and missed flights.
  • Accidental Death/Disability: Benefits for accidental death or permanent disability.
  • Emergency Assistance: 24/7 support for medical, legal, or travel-related issues.
  • Personal Liability: Coverage for accidental damage or injury to others.
It ensures comprehensive protection for you and your family while traveling.
What’s the difference between individual and family travel insurance?
  • Individual Travel Insurance: Provides coverage for only one person, with benefits and premiums based on the individual.
  • Family Travel Insurance: Provides coverage for multiple family members (spouse, children) under one policy, often at a lower cost than individual policies.
Family travel insurance plans offer shared coverage for all members, while individual plans are tailored to a single traveler.

Can I add my parents to my family travel insurance plan?

Yes, you can add but you must be aware that each insurer has different terms and condition for adding your parents to family travel insurance. Some would allow you to add to the same policy and others may offer as a separate coverage option for senior citizens. You can read policy related documents and confirm with insurer about the eligibility.

How do I make a claim for family travel insurance?

You can claim your travel insurance policy by contacting the insurer. You will be asked to fill out the claim form and submit supporting documents (e.g., medical reports, receipts, tickets). After submission you have to wait for claim status update and insurer’s decision about the claim.

How long does it take to get the insurance policy?

Before the policy start date - We need an email from the policy holder for the cancellation of the policy and the reason for cancellation. The policy will be cancelled and refund will be sent to the customer after deducting the cancellation charges.After the policy start date - We need an email from the policy holder for the cancellation of the policy and the reason for cancellation. We need scan copies of all pages of the passport as proof that you have not traveled overseas. The policy will be cancelled and refund will be sent to the customer after deducting the cancellation charges.

You can cancel the travel insurance policy and get a refund for the insurance plan. The policy may be cancelled if the cancellation occured before the start of the policy.

Given the high costs of healthcare around the world, Travel medical insurance is not a luxury but very much a necessity while traveling outside India. Overseas travel insurance coverage is in fact required as a mandate to get a visa while traveling to certain countries.

The main reason to buy travel insurance is to cover any emergency medical expenses of the traveler while outside Indian. Other unforeseen losses such as trip delays or baggage delays can also be covered. Depending upon the features of the plan that you purchase, travel insurance can provide the additional assurance that expenses will be covered for medical care including hospital admission, emergency dental care, and emergency medical evacuation. Emergency cash advances, and help with retrieval of luggage or other services may also be available.

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