International corporate travelers who travel overseas often on work should be properly insured to cover medical expenses in case they fall sick or meet with an accident while outside India. Tata AIG has designed international annual multi trip insurance for businessmen and corporate professionals who are frequent travelers. The Tata AIG Annual travel insurance plans allows customers to travel outside India, anywhere in the world, any number of times during the annual coverage period. However each trip period has to be limited to either 30 Days /45 Days /60 Days /90 Days /120 Days /150 Days /180 Days depending on the plan chosen by the customer.
The TATA AIG Annual Multi-trip insurance allows customers to travel outside India, anywhere in the world, any number of times during the annual coverage period. However each trip has to be limited to either 30 Days /45 Days /60 Days /90 Days /120 Days /150 Days /180 Days depending on the plan chosen by the customer.
Indian travelers who want to extend or renew TATA AIG travel insurance can complete the TATA AIG Annual multitrip 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:
Benefits | Silver | Silver Plus | Gold | Platinum | Titanium | Titanium Plus |
---|---|---|---|---|---|---|
Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
Age | 12 years - 70 years | 12 years - 70 years | 12 years - 70 years | 12 years - 70 years | 12 years - 60 years | 12 years - 60 years |
Destination | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries |
Sum Insured for Accident & Sickness | Up to $50,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
Up to $750,000 Deductible : $100 |
Up to $1,000,000 Deductible : $100 |
Pre Existing Disease Coverage (only in case of life threatening conditions) | Up to $2,500 | Up to $5,000 | Up to $10,000 | Up to $10,000 | Up to $15,000 | Up to $20,000 |
Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $50,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
Up to $750,000 Deductible : $100 |
Up to $1,000,000 Deductible : $100 |
Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured |
Accidental Death & Disablement (Overseas) | Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000 |
Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000 |
Accidental Death: Maximum $50,000 Accidental Disablement: Maximum $50,000Benefit Total - Maximum $50,000 |
Accidental Death: Maximum $75,000 Accidental Disablement: Maximum $75,000Benefit Total - Maximum $75,000 |
Emergency Medical Dental Expenses | $300 Deductible : $50 |
$400 Deductible : $50 |
$500 Deductible : $50 |
$1,000 Deductible : $50 |
$1,000 Deductible : $50 |
$1,200 Deductible : $50 |
Delay of Checked-in Baggage | $40 Deductible : After 4 hours |
$40 Deductible : After 4 hours |
$45 Deductible : After 4 hours |
$50 Deductible : After 4 hours |
$50 Deductible : After 4 hours |
$50 Deductible : After 4 hours |
Loss of Checked-in Baggage | $200 | $200 | $300 | $300 | $400 | $500 |
Loss of Passport | $250 Deductible : $25 |
$250 Deductible : $25 |
$250 Deductible : $25 |
$250 Deductible : $25 |
$500 Deductible : $25 |
$500 Deductible : $25 |
Personal Liability | $100,000 Deductible : $200 |
$100,000 Deductible : $200 |
$200,000 Deductible : $200 |
$500,000 Deductible : $250 |
$500,000 Deductible : $250 |
$500,000 Deductible : $250 |
Trip Curtailment | $500 Deductible : $50 |
$500 Deductible : $50 |
$750 Deductible : $75 |
$1,000 Deductible : $100 |
$1,000 Deductible : $100 |
$1,500 Deductible : $100 |
Trip Cancellation | $500 Deductible : $50 |
$500 Deductible : $50 |
$750 Deductible : $50 |
$1,000 Deductible : $100 |
$1,000 Deductible : $100 |
$1,500 Deductible : $100 |
Flight Delay | - | - | $45 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
Missed Flight/Connection | $250 | $250 | $500 | $750 | $750 | $750 |
Bounced Hotel/Airline booking | $500 Deductible : $50 |
$500 Deductible : $50 |
$750 Deductible : $75 |
$1,000 Deductible : $100 |
$2,500 Deductible : $100 |
$5,000 Deductible : $100 |
Fraudulent Charges | Per Occurrence Limit $250; Maximum Limit $500 | Per Occurrence Limit $250; Maximum Limit $500 | Per Occurrence Limit $500; Maximum Limit $1000 | Per Occurrence Limit $1000; Maximum Limit $2000 | Per Occurrence Limit $1250; Maximum Limit $2500 | Per Occurrence Limit $1250; Maximum Limit $2500 |
Home Content Burglary (in INR) | ₹50,000 Deductible : ₹5,000 |
₹50,000 Deductible : ₹5,000 |
₹1,50,000 Deductible : ₹5,000 |
₹2,50,000 Deductible : ₹5,000 |
₹5,00,000 Deductible : ₹5,000 |
₹5,00,000 Deductible : ₹5,000 |
Accommodation Extension | $100 per day upto Maximum of 10 days | $250 per day upto Maximum of 10 days | $300 per day upto Maximum of 10 days | $750 per day upto Maximum of 10 days | $1000 per day upto Maximum of 10 days | $1000 per day upto Maximum of 10 days |
Hijack/Kidnap Daily Allowance | - | $75 for every 12 hours, upto Maximum of 10 days | $100 Per 12 hours, upto Maximum of 10 days | $150 Per 12 hours, upto Maximum of 10 days | $150 Per 12 hours, upto Maximum of 10 days | $200 Per 12 hours, upto Maximum of 10 days |
Loss of International driving license | - | $100 | $100 | $100 | $150 | $150 |
Flight Cancellation | - | $75 | $75 | $150 | $200 | $250 |
Emergency Extension of the Policy | 7 days | 7 days | 7 days | 15 days | 15 days | 15 days |
Loss of Personal Baggage | - | - | $200 Deductible : $30 |
$300 Deductible : $30 |
$400 Deductible : $30 |
$500 Deductible : $30 |
Personal Accident in India (in INR) | - | - | ₹15,00,000 | ₹20,00,000 | ₹25,00,000 | ₹50,00,000 |
Compassionate Travel/Stay | - | - | - | Upto $3,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member |
Loss of Cash | - | - | - | $125 | $250 | $375 |
Upgradation to Business Class | - | - | - | - | $750 | $1,000 |
Rental Vehicle Cover | - | - | - | - | $500 | $500 |
Rental Vehicle Return | - | - | - | - | $250 | $500 |
Alternative Transport Expenses | - | - | - | - | $750 | $1,000 |
Pandemic Cover | - | - | - | - | $500 | $500 |
Hospital Daily Cash (Per Day) | - | - | - | - | - | $75 Per day, upto Maximum of 10 days |
Missed Booking | - | - | - | - | - | $750 |
Visa Rejection | - | - | - | - | - | $100 |
Medical Sublimit | Silver | Silver Plus | Gold | Platinum | Titanium | Titanium Plus |
---|---|---|---|---|---|---|
Hospital Room Rent and Boarding expenses | $1,500 per Day up to 30 Days | $1,500 per Day up to 30 Days | $1,750 per Day up to 30 Days | $2,000 per Day up to 30 Days | $2,000 per Day up to 30 Days | $2,500 per Day up to 30 Days |
Emergency Room Services | $1,500 | $1,500 | $1,750 | $2,000 | $2,000 | $2,500 |
ICU Charges | $3,000 per Day up to 7 Days | $3,000 per Day up to 7 Days | $3,250 per Day up to 7 Days | $3,750 per Day up to 10 Days | $3,750 per Day up to 10 Days | $4,000 per Day up to 10 Days |
Surgical Treatment Expenses | $12,500 | $12,500 | $13,000 | $15,000 | $15,000 | $22,500 |
25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | |
Physician Consultation Charges | $125 per day up to 10 visits | $125 per day up to 10 visits | $175 per day up to 10 visits | $250 per day up to 10 visits | $250 per day up to 10 visits | $350 per day up to 10 visits |
Diagnostic Tests | Up to $750 | Up to $750 | Up to $1,000 | Up to $1,500 | Up to $1,500 | Up to $2,500 |
Ambulance Service (Not applicable for Outpatient Treatment) | Up to $500 | Up to $500 | Up to $600 | Up to $750 | Up to $750 | Up to $1,000 |
Pharmacy | Up to $2,000 | Up to $2,000 | Up to $2,000 | Up to $2,000 | Up to $2,000 | Up to $2,000 |
Miscellaneous Expenses | Up to $500 | Up to $500 | Up to $500 | Up to $500 | Up to $500 | Up to $500 |
Emergency Room Services | $27,500 | $27,500 | $30,000 | $35,000 | $35,000 | $40,000 |
Non-Surgical (Medical Management cases) | $13,000 | $13,000 | $15,000 | $17,500 | $17,500 | $20,000 |
Benefits | Senior | Senior Plus |
---|---|---|
Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
Age | 71-80 years | 71-80 years |
Destination | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries |
Sum Insured for Accident & Sickness | Upto $50,000 Deductible : $100 |
Upto $100,000 Deductible : $100 |
Pre Existing Disease Coverage (only in case of life threatening conditions) | Upto $2,500 | Upto $3,000 |
Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $50,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Repatriation of Mortal Remains | Upto 25% of Accident & Sickness Sum Insured | Upto 25% of Accident & Sickness Sum Insured |
Accidental Death & Disablement (Overseas) | Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Emergency Medical Dental Expenses | $300 Deductible : $75 |
$500 Deductible : $75 |
Delay of Checked-in Baggage | $40 Deductible : After 4 hours |
$40 Deductible : After 4 hours |
Loss of Checked-in Baggage | $200 | $200 |
Loss of Passport | $250 Deductible : $25 |
$250 Deductible : $25 |
Personal Liability | $1,00,000 Deductible : $200 |
$1,00,000 Deductible : $200 |
Trip Curtailment | $500 Deductible : $100 |
$500 Deductible : $100 |
Trip Cancellation | $250 Deductible : $50 |
$500 Deductible : $50 |
Flight Delay | $40 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$40 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
Missed Flight/Connection | $250 | $250 |
Bounced Hotel/Airline booking | $500 Deductible : $50 |
$500 Deductible : $75 |
Home Content Burglary (in INR) | ₹50,000 Deductible : ₹5,000 |
₹50,000 Deductible : ₹5,000 |
Accommodation Extension | $50 per day upto Maximum of 10 days | $100 per day upto Maximum of 10 days |
Hijack/Kidnap Daily Allowance | $75 Per 12 hours, upto Maximum of 10 days | $100 Per 12 hours, upto Maximum of 10 days |
Flight Cancellation | - | $75 |
Emergency Extension of the Policy | 7 days | 7 days |
Loss of Personal Baggage | Not Available Deductible : Not Available |
$200 Deductible : $30 |
Compassionate Travel/Stay | Upto $2,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member |
Medical Sublimit | Senior | Senior Plus |
---|---|---|
Hospital Room Rent and Boarding expenses | $1,500 per Day up to 30 Days | $1,500 per Day up to 30 Days |
Emergency Room Services | $1,500 | $1,500 |
ICU Charges | $3,000 per Day up to 7 Days | $3,000 per Day up to 7 Days |
Surgical Treatment Expenses | $12,500 | $12,500 |
25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | |
Physician Consultation Charges | $125 per day upto 10 visits | $125 per day upto 10 visits |
Diagnostic Tests | Up to $750 | Up to $750 |
Ambulance Service (Not applicable for Outpatient Treatment) | Up to $500 | Up to $500 |
Pharmacy | Up to $2,000 | Up to $2,000 |
Miscellaneous Expenses | Up to $500 | Up to $500 |
Emergency Room Services (Total) | $27,500 | $27,500 |
Non-Surgical (Medical Management cases) | $13,000 | $13,000 |
You can purchase the policy online using a credit card from anywhere in the globe. Most of our customers purchase the policy from the United States,U.K ,Australia,etc.. for parents or family members who are visiting from India. Customers can use international credit cards for purchasing. On completing the application and purchase using a credit card, you will receive an immediate acknowledgement of purchase. Within 24 to 48 hours, the insurance policy will be issued and emailed to the email ID provided in the application. The policy will also be couriered to the Indian address in the application.
For customers who do not want to use the online facility, payment can be made by cheques. Please email us for details.
Call us at 080-41101026 in India. Our Insurance Advisor will assist you and with our Advisor's guidance, you can choose the level of cover you require. This policy is available to Indian residents only.
You are not covered if any expenses incurred directly or indirectly in respect of:
For other exclusions please refer to the policy wordings.
The Annual Multitrip Travel insurance cost starts at just ₹3,863 for coverage Worldwide Travel. The monthly cost depends on factors such as the Traveler's age and plan maximum.
Traveler's age | Gold Plan - $250,000 | Platinum Plan - $500,000 | ||
30 day slab | 45 day slab | 30 day slab | 45 day slab | |
19-40 years | ₹3,863 | ₹4,273 | ₹4,260 | ₹4,857 |
41-55 years | ₹4,717 | ₹4,910 | ₹₹5,919 | ₹6,020 |
56-60 years (Limited coverage) | ₹4,717 | ₹4,910 | ₹5,919 | ₹6,020 |
56-60 years | ₹11,793 | ₹12,275 | ₹14,799 | ₹15,048 |
61-70 years (Limited coverage) | ₹9,324 | ₹14,890 | ₹10,789 | ₹17,408 |
61-70 years | ₹23,310 | ₹26,973 | ₹37,224 | ₹43,519 |
Single-trip insurance covers one short trip, annual multi-trip insurance covers multiple trips with same policy.
The TATA AIG multi trip travel insurance covers multiple trips with same policy.This insurance will be cheaper for frequent travelers.
The traveller can travel multi times according with the selected slab duration for each trip.
Yes, there are different day slab/duration available for each trip. Tata AIG offers coverage with trips duration up to 30 Days /45 Days /60 Days /90 Days /120 Days /150 Days /180 Days per trip.
Yes, the traveler can travel to any country according to the destination (Worldwide, Excluding USA & Canada & SGN) , which has been selected.However, certain high-risk countries or regions may not be covered, so it's essential to review the policy terms and conditions.
Maximum entry age for Tata AIG’s Annual Multi-Trip Insurance plan is 80 years. However if the traveler is already having multitrip plan, he can renew multiple number of years beyond 80 years without a break.
Tata AIG’s Annual Multi-Trip plans cover an unlimited number of trips made during the policy period. This feature is especially advantageous for frequent international travelers. Annual travel insurance plans are issued for a period of one year with no restriction on the number of trips made by the insured, provided each trip falls within the 30/45/60/90/120/150/180-day duration specified in the chosen plan.
Tata AIG offers seven options: 30/45/60/90/120/150/180 days. This means that each individual trip must not exceed the maximum duration specified in the chosen plan. For example, if you opt for the 45-day option, each trip must not exceed 45 consecutive days. However, you can take an unlimited number of trips within the one-year policy period.
A single-trip policy covers just one specific trip abroad, while an annual multi-trip plan provides coverage for 12 months, allowing multiple trips within that time. The key advantage of a multi-trip policy is the convenience of not needing to arrange separate insurance for each trip, making it ideal for frequent travelers. Plus, policyholders don't have to notify the insurance company each time they travel. In the long run, this option often provides better value compared to buying multiple single-trip policies throughout the year.
A single-trip policy covers just one specific trip abroad, while an annual multi-trip plan provides coverage for 12 months, allowing multiple trips within that time. The key advantage of a multi-trip policy is the convenience of not needing to arrange separate insurance for each trip, making it ideal for frequent travelers. Plus, policyholders don't have to notify the insurance company each time they travel. In the long run, this option often provides better value compared to buying multiple single-trip policies throughout the year.
Yes. It covers pre-existing medical conditions under life threatening conditions up to $20,000 depending upon the age and plan chosen.
Obviously buying annual multi trip travel insurance worth it. Annual multi trip travel insurance India is available at a cheaper price for a year when compared to single trip travel insurance. The best annual multi trip travel insurance to buy online is the Tata AIG annual multi trip insurance.
Yes, Tata AIG travel guard plus offers plans which covers travellers for one year. If you are traveling for a longer duration, then you can buy single trip travel insurance. If you are travelling frequently multiple times in a year for a short duration, then you can buy 1 year travel insurance worldwide.
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 TATA AIG 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".