TATA AIG travel guard insurance
TATA AIG general insurance has designed the TATA AIG Travelguard insurance policy for the specific needs of Indians traveling overseas. The TATA AIG Travelguard insurance plan has been custom designed for the needs of different types of travellers.
The Annual Mult-trip Travelguard insurance policy works well for businesspeople and corporate travellers who travel outside India on a regular basis. This product covers unlimited trips outside India for an entire year. Each trip however has to be limited to either 30 days or 45 days.
The TATA AIG Travelguard individual travel plan is designed to individuals or family members to insure their travel outside India for one trip. This plan can be extended for up to 360 days for travellers who are up to 70 years old, and can be extended for up to 180 days for travellers who are older than 70 years.
TATA AIG Travelguard is available with four medical maximum coverage - $50,000 USD, $100,000 USD, $250,000 USD and $500,000. For travellers who are over 70 years, the maximum coverage available is limited to $50,000 USD.
The TATA AIG Travelguard insurance also provides coverage for pre-existing conditions up to $1500. One of the unique benefits of this TATA AIG product when compared to other Indian insurance products is that this medical maximum coverage is available for every incident during the insured travel period.
For travellers who are older than 56 years, there are certain sub-limits on the coverage. However there is also an no-sublimit plan which is more expensive, but provides comprehensive coverage.
USD 50,000/ 100,000/ 250,000/ 500,000
180 days
180 days to 99 years
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.
The following documents are required for extending/renewing the policy:
A simple comparison of the new Tata AIG travel guard plus plan vs old Tata AIG travel guard
| Description | New Tata AIG travel guard plus plan | Old Tata AIG travel guard |
|---|---|---|
| Minimum eligibility to buy single trip plan | 3 months | 6 months |
| Single trip can be purchased for | 360 days | 180 days |
| Policy Maximum based on age | up to 1 million USD | Up to $500,000 USD |
| Shorter trip duration | 1 day to 4 days | 1 day to 7 days |
| Policy maximum for senior citizens | up to $100,000 USD | up to $50,000 USD |
| Pre-existing cover in case of life threatening | up to $20,000 based on plan chosen | up to $1,500 |
| Medical restrictions | varies with policy maximum chosen | remains same independent of the policy maximum |
| Family Discount T&C apply | up to 10% discount for all plans | Up to 5% only on selected plans |
| Minimum age to buy multi trip plan | 12 years | 19 years |
| Maximum age to buy multi trip plan | up to 80 years | up to 70 years |
| Per trip duration in multi trip plan | 30, 45, 60, 90 and 180 days | 30 and 45 days |
| Add on benefits | Available | not available |
| Customized plans as per traveler requirements | Yes | No |
| Optional Assistance Services | Such as Care at Home, Baggage tracking, Lost Passport tracking | No assistance service |
| New benefit covers | Such as adventure sports, fraudulent charges, instant gratification for flight cancellation/flight delay, loss of Personal Baggage, Personal Accident in India and pandemic coverage | Not available in this plan |
| Plan benefits | Silver | Silver plus | Gold | Platinum | Senior Plan | Deductible |
|---|---|---|---|---|---|---|
| Plan Maximum (in US$) | $50,000 | $100,000 | $250,000 | $500,000 | $50,000 | NIL |
| Accidental Death & Dismemberment (Common Carrier) | NA | $5,000 | $5,000 | $5,000 | NA | NIL |
| Accident and Sickness Medical Expenses Reimbursement | $50,000 | $100,000 | $250,000 | $500,000 | $50,000 | $100 |
| Sickness Dental Relief | $300 | $400 | $500 | $1,000 | $300 | NIL |
| Emergency Medical Evacuation | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | NIL |
| Repatriation of Remains | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement |
| Baggage Delay Benefit (After first 12 hrs) | $50 | $100 | $200 | $500 | $50 | NIL |
| Checked Baggage Loss Benefit | $500 | $750 | $1,000 | $1,000 | $500 | NIL |
| Loss of Passport | $250 | $250 | $250 | $250 | $250 | $30 |
| Personal Liability | $1,00,000 | $1,50,000 | $2,00,000 | $5,00,000 | $1,00,000 | $200 |
| Flight Delay^# | NA | Included | Included | Included | NA | NIL |
| Hijack^^ | NA | Included | Included | Included | NA | NIL |
| Emergency cash advance | $500 | $750 | $1,000 | $1,500 | $500 | NIL |
| Fraudulent charges (Payment card security) | $500 | $500 | $1,000 | $2,000 | NA | NIL |
| Home Burglary (in Rs) | $1,00,000 | $1,00,000 | $2,00,000 | $2,00,000 | NA | NIL |
| Trip Cancellation | $500 Deductible:$50 |
$500 Deductible:$50 |
$750 Deductible:$75 |
$1,000 Deductible:$100 |
NA | NIL |
| Trip Curtailment | $500 Deductible:$50 |
$500 Deductible:$50 |
$750 Deductible:$75 |
$1,000 Deductible:$100 |
NA | NIL |
| Missed Connection / Missed Departure | $500 Deductible:$50 |
$500 Deductible:$50 |
$750 Deductible:$75 |
$1,000 Deductible:$100 |
NA | NIL |
| Bounced Hotel / Airline Booking | $500 Deductible:$50 |
$500 Deductible:$50 |
$750, Deductible:$75 |
$1,000 Deductible:$100 |
NA | NIL |
Note:
Option of buying the policy without medical sublimits for the age above 56 years.
* Included under the benefit limit of accident and sickness medical expenses reimbursement.
# Maximum amount to be reimbursement per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured.
^ Flight delay - Deductible of 12 hrs, $10 per 12 hours and maxium $100.
^^ Hijack - Deductible of 1 day, $100 per day and maximum $500.
| Plan benefits | Gold | Platinum | Deductible |
|---|---|---|---|
| Plan Maximum (in US$) | $2,50,000 | $5,00,000 | NIL |
| Accidental Death & Dismemberment (Common Carrier) | $5,000 | $5,000 | NIL |
| Accident and Sickness Medical Expenses Reimbursement | $2,50,000 | $5,00,000 | $100 |
| Sickness Dental Relief | $500 | $1,000 | NIL |
| Emergency Medical Evacuation | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | NIL |
| Repatriation of Remains | Included under the benefit limit of accident & Sickness medical expense reimbursement | Included under the benefit limit of accident & Sickness medical expense reimbursement | NIL |
| Baggage Delay Benefit (After first 12 hrs) | $100 | $200 | NIL |
| Checked Baggage Loss Benefit | $1,000 | $1,000 | NIL |
| Loss of Passport | $250 | $250 | $30 |
| Personal Liability | $2,00,000 | $2,00,000 | $200 |
| Flight Delay^# | Included | Included | NIL |
| Hijack^^ | Included | Included | NIL |
| Emergency cash advance | $1,000 | $1,500 | NIL |
| Fraudulent charges (Payment card security) | $1,000 | $2,000 | NIL |
| Home Burglary (in Rs) | $2,00,000 | $2,00,000 | NIL |
| Trip Cancellation | $750 Deductible:$75 |
$1,000 Deductible:$100 |
NIL |
| Trip Curtailment | $750 Deductible:$75 |
$1,000 Deductible:$100 |
NIL |
| Missed Connection / Missed Departure | $750 Deductible:$75 |
$1,000 Deductible:$100 |
NIL |
| Bounced Hotel / Airline Booking | $750 Deductible:$75 |
$1,000 Deductible:$100 |
NIL |
Note:
Option of buying the policy without medical sublimits for the age above 56 years.
* Included under the benefit limit of accident and sickness medical expenses reimbursement.
# Maximum amount to be reimbursement per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured.
^ Flight delay - Deductible of 12 hrs, $10 per 12 hours and maxium $100.
^^ Hijack - Deductible of 1 day, $100 per day and maximum $500.
TATA AIG offers two category of insurance for its customers. One is single trip travel insurance and the second category is a multi-trip travel insurance. A single trip travel insurance is an insurance cover which is valid for one trip and a multi trip travel insurance is an insurance which covers unlimited multiple overseas trips within a year with each trip duration not exceeding 30 or 45 slab days depending on the plan chosen. The available plans under single trip travel insurance are
Worldwide travel medical insurance - offering coverage up to $500,000 depending on the age of the traveler.
Worldwide excluding USA and Canada travel medical insurance - offering coverage up to $500,000 depending on the age of the traveler.
Asia excluding Japan & Korea(s) - Asia guard a short term insurance for 14 days for people traveling to Asian countries.
Domestic guard - Travel insurance for Indian citizens traveling within India.
Student guard plus - unique insurance for students who are going overseas for higher education.
Yes, TATA AIG travel insurance is a cashless travel health insurance. A stay in the hospital should be more than 24 hours for an eligible claim to be cashless. The insured has to bear the agreed deductible and the rest becomes cashless.
TATA AIG Travel Guard insurance for overseas travel can initially be purchased online for 180 days and can be renewed for another 180 days with good health and no claims declaration. The renewal of the policy has to approved from the head office. 70+ travelers can buy and renew the policy online within 180 days.
TATA AIG travel health insurance can be initially be purchased for maximum 180 days and later can be renewed for another 180 days. However for 70+ travelers the first policy and subsequent renewals cannot exceed 180 days.
TATA AIG overseas travel medical insurance has coverage restrictions starting from the age of 56 years and above. Below is the table of medical restrictions regardless of the plan / option purchased at the inception of the policy and its subsequent renewals, if applicable
These medical sub limits can be waived off by paying an additional premium and s/he is covered up to the policy maximum.
TATA AIG overseas insurance is the best Indian travel insurance for overseas travel since TATA AIG has the largest market share amongst all Indian insurance companies for international travel insurance from India. TATA AIG travel insurance the popular well known general insurance company which offers health insurance cover for you and your dear ones in overseas for different reasons.
TATA AIG travel insurance takes care of your health issues when the travelers are in overseas. If offers cashless hospitalization claims benefit while visit to a doctor and pharmacy bills are reimbursed. TATA AIG has also good claims settlement ratio. It is a well-known brand in the insurance industry worldwide.
The steps to claim TATA AIG travel insurance are :
Cashless
Reimbursement
Yes, travel insurance for USA from India is worth the cost as it covers for unforeseen emergency medical and non-medical expenses leaving you and your family to have a worry free overseas trip to USA. Nobody knows when you fall sick during your trip to USA. The cost of medical expenses is USA is very high when compared back in India. Any one illness will burden you financially.
It is better to buy travel insurance in rupees and get coverage in US dollars. TATA AIG works out to be a very affordable and cheap travel insurance option when compared to US insurance company plans. TATA AIG travel insurance for USA covers you for hospitalization medical expenses, doctor visits, pharmacy bills and other medical emergencies.
You can renew the TATA AIG policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.
Yes you can extend your travel insurance while being abroad. Fill the TATA AIG insurance policy renewal form so that our insurance advisors will help you to renew your policy.
Below 70 year old Travel policies can initially be purchased for 6 months and can be renewed for another 6 months provided that the policy holder is in good health, no claims on the existing policy and the policy has not expired. If the policy has expired or has any claims then renewal is based on approval from the insurance head office.
However for 70+ travel policies the sum total number of policy days included subsequent renewals cannot exceed 180 days.
Some of the general exclusions of TATA AIG travel insurance are
You can buy Travel Guard Plus online by using a credit/debit card, direct funds transfer, NEFT or RTGS or by a cheque.
Travelers already outside India without insurance? We can try to get special approval to buy TATA AIG travel insurance online.
Calculate the international travel insurance premium for Indian travelers and senior citizens travelling overseas.
In case of Claim or reimbursement of treatment expenses, notify TATA AIG toll free and helpline.
Download TATA AIG Travel Guard brochure online!
Travel insurance customers can renew their existing policy online before the exipry date at any time.
Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 16 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".
