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TATA AIG Annual Multitrip travel insurance TATA AIG Annual Multitrip Travel Insurance

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Tata AIG Annual Multitrip Travel Insurance

What is annual multi trip travel insurance?

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.

How can I extend or renew my TATA AIG Annual multitrip travel policy insurance while outside India?

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:

  1. Filled & signed Good health declaration
  2. Passport (first and last page & stamp page of the departure)
  3. Air ticket copy of onward journey (traveled from India to overseas)

What are the coverage options under TATA AIG Travel Guard Plus annual plan insurance?

  • Individual / Multiple travelersSeniorEligible expensesHow to buy?Exclusions
  • Individual / Multiple travelers

    Tata AIG Annual travel insurance plans benefits

    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
    Sublimits applicable on Inpatient Treatment / Day Care Treatment / Outpatient Treatment:
    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
  • Senior
    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
    Sublimits applicable on Inpatient Treatment / Day Care Treatment / Outpatient Treatment
    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
  • Eligible expenses
    1. Medical Services provider referral
    2. Arrangement of hospital admissions
    3. Lost luggage assistance
    4. Emergency Travel Services
    5. Embassy referral services
    6. Claims procedure information services
  • How to buy?
    Credit Card

    Credit card purchase procedure

    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.

    Cheque

    Cheque payment purchase

    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.

    Paymentpayment

    Payment options

    • Cash Cards - ItZ cash,Pay Cash
    • Mobile Payments - Paymate,IMPS,Scan N Pay
    • Wallet - Paytm,Mobikwik,Oxigen wallet,Freecharge,Jio Money etc ...
    • UPI - Unified Payment Interface
    Note: 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.
  • Exclusions

    You are not covered if any expenses incurred directly or indirectly in respect of:

    • Traveling against the advice of a Physician
    • For obtaining treatment
    • Pre-existing ailments & complications unless it is life threatening (as per terms and conditions)
    • Suicide or attempted suicide
    • War
    • Terrorism
    • Illegal Acts
    • Dangerous Sports etc.

    For other exclusions please refer to the policy wordings.

How much does Tata AIG Annual Multitrip travel insurance price cost for one year?

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

TATA AIG multi trip travel insurance - frequently asked questions

What is the difference between a single-trip and an annual multi-trip insurance plan?

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.

What is not covered under Tata AIG Annual Multitrip travel insurance?

  • Medical expenses for the treatment of pre-existing conditions are covered only in cases of life-threatening emergencies.
  • Medical expenses for the treatment of life-threatening illnesses.
  • Medical treatments for self-inflicted injuries, suicide attempts, HIV, routine check-ups, and substance abuse (alcohol or drugs).
  • Any incidents that occur while traveling against your doctor's recommendations.
  • Medical expenses incurred while traveling abroad specifically for medical treatment.
  • Claims related to nuclear hazards, war, and war-related activities are not covered.
  • Any non-medical expenses that are not specifically outlined in the policy coverage terms.
  • Expenses resulting from theft or loss due to negligence or carelessness, or if the incident is not reported to the police.
  • Medical emergencies that occur after the insured person has returned to India.

Is annual multi-trip travel insurance worth it?

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.


Can I get travel insurance for a whole year?

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.

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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".

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