TATA AIG travel insurance for Indian tourists visiting Africa

TATA AIG travel insurance coverage for Covid19

The TATA AIG Travel Guard travel insurance offered by Tata AIG General Insurance Company Ltd offers coverage for medical expenses related to COVID19. 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.

Covid insurance for international travel »

• Age of the traveler
  The older the traveler the higher the cost of travel insurance online Africa.
• Length of travel
  The cost of travel insurance for visitors to Africa from India increases with the duration of insurance coverage required.
• Travel Destination
  The cost of travel insurance from India varies with the destination. The United States is most expensive, followed by Europe. The cost within Asia and India is the cheapest.
• Sum limit of insurance
  The higher the Accident and Sickness maximum limit, the higher the cost of insurance. The options range from $50,000 to $500,000.
• Sub-limits vs No Sub-limits
  This is applicable for travelers over 56 years. No Sub-limit plans provide comprehensive coverage and are more expensive.