TATA AIG Travel Medical Insurance for Indian Travelers - FAQ's

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  1. What is Travel Insurance Policy?
  2. What is the policy period?
  3. How do you define a trip?
  4. How long does it take to get the policy?
  5. Can I get the list of countries covered under including and excluding Americas?
  6. What is the percentage of the claim payable and whether it will be taxed?
  7. What are the sub-limits prescribed by the policy?
  8. Can we visit ANY hospital or Doctor in US/Non-US in case of sickness?
  9. Do we pay first and then get reimbursed in India or TATA-AIG will pay all the expenses at the time of treatment?
  10. In order to utilize the insurance, should I intimate the insurance prior to visiting the Dr. or hospital?
  11. What is the time frame within which the claim intimation has to be made?
  12. Are there any restrictions on the hospital where the treatment should be taken?
  13. Is it necessary to visit a particular hospital?
  14. Does it pay for medicines (not preexisting)?
  15. In case of reimbursements how much time it takes?
  16. Do I get a refund of a part of the premium if I return before the coverage date ends?
  17. The policy document says "Automatic extension of the policy up to 7 days"! Does it mean the insured is in the grace period and he/she is automatically covered for those days after the last date of the policy?
  18. Is the sum insured mentioned under each category applicable to all members traveling on the policy and is there any restriction on number of claims?
  19. Is a newborn child covered from day one under the Group Travel Policy?
  20. What are the exclusions under the scheme?
  21. Age Limits and Coverage
  22. Who are the Assistance Companies for Overseas Travel Insurance?
  23. What are services of AIG IS & ISOS?
  24. What are the two types of claim settlements?
  25. What do you mean by Reimbursement claim settlement?
  26. What do you mean by Cashless claim settlement?
  27. What do you mean by Network Hospitals?
  28. What are the two types of Cashless hospitalization?
  29. What do you mean by Planned hospitalization?
  30. What do you mean by Emergency hospitalization?
  31. Who to contact during emergency cashless hospitalization at AIG IS or ISOS for assistance?
  32. How is deductible of $100 deduction applicable in case of Cashless hospitalization?
  33. How is reimbursement claim settled?
  34. Whom to contact for queries/clarification/claim settlement at Tata AIG?
  35. When does the cover commence?
  36. Can I extend the policy?
  37. Do I have to undergo a medical examination?
  38. What do I do if the trip is cancelled?
  39. What do I do if the trip is postponed?
  40. Does Baggage delay benefit is covered during the return journey?
  41. Does the policy covers Checked out baggage loss benefit during forward and return journey?
  42. What do I do if I meet with an accident or sickness abroad?
  43. If I make the payment will I get a reimbursement?
  44. Do I necessarily have to contact the assistance company in case of an emergency?
  45. What is cashless hospitalization?
  46. Circumstances under which a Request for Cashless Hospitalization can be denied?
  47. What about Claims relating to Travel Emergencies?
  48. Is there any refund of premium on travel guard policies in case of early return?
  49. If I take a room in a hospital? Will it covered?
  50. Does this policy covers emergency illness?
  51. How will the hospitalization claims be settled?
  52. What are the basic requirements for obtaining a GOP? How is it done?
  53. Does it cover emergence surgery, by-pass, and angioplasty if needed?
  54. What are the exclusions of the policy?
  55. what is meant by with sublimit and without sublimit?
 
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