TATA AIG Senior Citizen Travel Insurance, Travel Insurance for Senior Citizens, Best travel insurance for seniors over 70

Above 70 years Senior plan highlights

No medical tests required to buy international travel health insurance for seniors.

Travel insurance available up to age 99 years

Effective coverage with better benefits

Covers pre-existing medical conditions under life threatening situations for up to $1,500

Senior citizens have an option of buying plan with no sub limits.

Cover senior citizen inpatient and outpatient medical expenses for overseas travel

TATA AIG senior travel insurance coverage for Covid 19, TATA AIG Covid 19 travel insurance

The TATA AIG Travel Guard Senior travel insurance offered by Tata AIG General Insurance Company Ltd offers coverage for medical expenses related to COVID-19. Coronavirus related coverage for every insured is available up to the limits mentioned in the Policy Schedule for expenses incurred due to sudden and unexpected Sickness or Accident arising when insured is outside the Republic of India. Coverage in the policy is subject to policy terms & conditions.

COVID related expensed are covered up to the Sum Insured according to the plan chosen less any deductible.
Covid expenses are covered for plans both with and without Sub Limits up to the eligible policy maximum.

The number of countries that insist on travel medical insurance upon arrival had been increasing over the years even before the COVID pandemic, however this list of countries is now growing rapidly. Several instances of unpaid medical bills by foreigners have caused huge losses to hospitals. This has pushed several governments to insist on travel health insurance for visiting their countries so as to minimize these incidents. This will hugely impact many Indian tourists, corporate executives and students who have deferred their foreign trips due to Covid-19 but will need to travel overseas soon.

Along with proof of travel medical insurance many countries are also implementing Covid testing documents while allowing visitors to their countries. See of the countries that mandate travel insurance with COVID coverage for entry include (this list is fast changing). Schengen countries, Thailand, Dubai, Russia, Qatar, Cambodia....

Exclusions under TATA AIG Covid travel insurance for Coronavirus

Expenses related to coronavirus testing are not covered until test reports are positive and leads to inpatient hospitalization.
Institutional and Home quarantine expenses are not covered.
Expenses incurred by travelers for COVID testing as part of government regulation are not covered.

TATA AIG covid insurance for international travel

TATA AIG senior citizen travel insurance India plan details

Benefits
Features
FAQ's

Senior citizens above 70 can avail TATA AIG travel health insurance benefits

Coverage in US$	Senior Plan	Deductible
Accident& Sickness Medical Expenses Benefits	50,000	100
Accidental Death and Dismemberment Benefit	10,000	Nil
Emergency MedicalEvacuation	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	Nil
Baggage Loss (Checked Baggage)	500	Nil
Baggage Delay	50	After first 12 hours
Loss of Passport	250	30
Personal Liability	1,00,000	200
Emergency Cash Advance	500	Nil

Note : **Option of buying the policy without medical sublimits for the age above 56 years

SUB LIMITS The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMITS'
Medical Expenses	Description
Hospital Room rent, Board and Hospital miscellaneous	Max $1,500 per day upto 30 days.
Intensive Care Unit	Max $3,000 per day upto 7 days.
Surgical Treatment	Max $10,000
Anesthetist Services	Max up to 25% of Surgical Treatment
Physician's Visit	Max $75 per day up to 10 visits
Diagnostic and Pre-Admission Testing	Max up to $500
Ambulance Services	Max up to $400

LIMITATIONS
(Applicable for all plans / coverages)

Pre-existing Condition or any complication arising from it in a Life saving unforeseen emergency condition would be reimburse up to $1,500 per policy.
Accident & Sickness Medical Expense is limited to $10,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable
Accidental Death and Dismemberment Benefit is limited to $5,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable.
Accidental Death and Dismemberment Benefit is limited to 10% of Principal Sum Insured for Insured Person with age 17 years or below

To ensure quality health care in America, TATA AIG has partnered with UnitedHealth Group, one of the leading Health Care providers in the United States. This gives our customers access to United Healthcare network of hospitals and physicians in USA.

Benefits of buying Indian older traveller health insurance from Tata AIG

Coverage of Medical Expenses
- Travel Guard takes care of your medical expenses due to accident and sickness while traveling so that you can concentrate on better things like enjoying the holiday.
Checked baggage loss
- Compensation for the loss of checked in baggage.
Baggage delay
- Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.
Loss of Passport
- Compensation for expenses incurred in obtaining a duplicate or new passport.
Personal liability
- Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

Hijacking
- In an unfortunate event of your common carrier in which you are travelling; being hijacked, this product will pay a distress allowance to you.
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
- Insurance gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.
Sickness 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.

Frequently asked questions of TATA AIG travel insurance for senior citizen India

Does Tata AIG international travel insurance cover covid 19 illness?

Tata AIG coronavirus overseas travel insurance offers covid 19 coverage. COVID related expensed are covered up to the chosen sum insured.

Does the TATA AIG senior citizen travel medical insurance cover pre-existing diseases?

Tata AIG will reimburse $1,500 for expenses of treatment arising from pre-existing conditions under life threatening conditions. The expenses will be paid until the insured becomes medically stable.

What is the maximum entry age for TATA AIG Travel Guard?

The maximum entry age for Tata AIG Travel Guard policy is 99 years.

Can I buy TATA AIG travel insurance after starting the journey?

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. You can get the complete quotes using the

Is TATA AIG overseas travel insurance for senior citizens cashless?

Yes if Tata AIG travel insurance for Seniors offers cashless settlement, if the insured is admitted to one of the preferred network hospital as inpatient for more than 24 hours. AIG IS or ISOS will offer cashless hospitalization by paying 100% of the claim amount.

What is the deductible for senior citizen travel packages?

TATA AIG travel insurance for seniors covers both inpatient and outpatient medical expenses during their stay in overseas. Inpatient medical expenses are cashless while outpatient medical expenses are reimbursement basis. There is a deductible of $100 the policy holder has to bear after which the claim is settled.

Which travel insurance is best for seniors?

There are many senior citizen travel packages. TATA AIG older traveler plan is the best travel insurance for seniors over 70. TATA AIG provides health coverage under its overseas travel insurance for senior citizens plan.

What are the sub limits on the TATA AIG overseas travel insurance for senior citizens?

For 70+ year old senior citizens TATA AIG offers $50,000 maximum coverage. Below are the medical sub limits on the policy.

Hospital Room and Board and Hospital miscellaneous - up to $1,500 per day, maximum 30 days
Intensive Care Unit - up to $3,000 per day, maximum 7 days.
Surgical Treatment - up to $10,000
Anesthetist Services - up to 25% of Surgical Treatment
Physician's Visit - up to $75 per day, maximum 10 visits
Diagnostic and Pre-Admission Testing - up to $500
Ambulance Services - up to $400

What are the exclusions under the TATA AIG senior citizen travel health insurance?

Some of the exclusions under the TATA AIG senior citizen travel health insurance are as follows

Traveling against the advice of the physician.
Traveling overseas for obtaining treatment.
Any pre-existing condition or any complication arising from it unless it is life threatening.
Pregnancy and related issues.
Does not cover risks directly or indirectly associated with travel in, to, or through Afghanistan, Cuba or Democratic Republic of Congo.
Adventure sports and professional sports.
War and many more

Can the TATA AIG senior citizen travel policy be renewed online?

TATA AIG Senior citizen travel health insurance can be renewed online. The initial purchase days and the sum total of subsequent renewal days cannot exceed 180 days. Renewal is based on good health, no claims and approval from the underwriting team.

Does the TATA AIG senior citizen travel insurance satisfy the Schengen visa?

Yes, however you have to buy the TATA AIG travelguard "without sub limit" policy.

My parents are senior citizens does TATA AIG offers any plan without any limits?

Yes, TATA AIG offers plan without sub limits of $50,000 policy maximum for senior citizens.

Which is the best travel insurance for USA? Which travel insurance is best for USA from India?

One of the best Indian travel insurance for USA is the TATA AIG travel insurance. It covers travelers of all age group starting from 6 months. It offers a wide range of plans starting from $50,000 to $500,000 maximum coverage. An older traveler who are 56 years and above has an option of buying the plan without any medical sublimit. TATA AIG travel insurance for USA works with popular networks like Hygeia, First Health and PHCS and hence the travelers traveling to US from India will get the assistance service of a local provider in the US. Faster and good claim settlement ratio. Covers for pre-existing ailments for a limited for $1,500 under life threatening situations. Popular brand among overseas travelers.

How can I renew my TATA AIG travel policy? How do I extend my TATA AIG travel insurance?

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.