TATA AIG Travel Medical Insurance for Indian Travelers

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

The TATA AIG Travel Guard 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

What does TATA AIG travel insurance cover?

Medical expenses coverage
- The plan covers for medical expenses due to accident and sickness while traveling outside India.
Checked baggage loss
- Reimbursement for loss of checked in baggage.
Baggage delay
- Reimbursement for reasonable expenses incurred for purchase of emergency personal goods due to delay in arrival of checked in baggage while overseas.
Loss of Passport
- Coverage 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 the unfortunate event of the common carrier being hijacked, plan will pay a distress allowance.
Trip Delay
- Reimbursement of additional expenses due to trip delay (only if the trip is delayed for more than 12 hours).
Personal Accident
- TravelGuard gives worldwide coverage against Accidental Death and Dismemberment while abroad.
Sickness Dental Relief
- The policy pays for immediate dental treatment occurring due to sudden acute pain during an overseas insured journey. Dental benefits will be provided for medically necessary filling of the tooth or surgical treatment, services, or supplies.