TATA AIG Overseas Mediclaim Insurance for visitors from India - FAQ's

The policy is effective from the Start Date as mentioned on the policy certificate to the End Date as mentioned on the policy certificate or the date of entry to India whichever is earlier.

The policy will take 5 minutes to be issued, no paper work required. You can contact your local agent or Click here for more details.

To see the list of countries covered under including Americas Click here and for excluding Americas Click here

The standard deductible under the Accident & Sickness Reimbursement is $100 irrespective of the value of the claim. The same is not taxable.

• The sublimits are applicable to the Age Category of 56-70
• Please refer the benefits under all Plans as in the Travel brochure of Tata AIG General Insurance Co Ltd

Insured is free to approach any hospital at his convenience. However, our assistance company in Americas is 'AIG IS' and for Non-Americas is 'ISOS'. Incase of any emergency, the insured needs to contact our assistance company if time permits.

Outpatient treatment insured has to pay first get it reimbursed from tata-aig once they reach India.. Claims are settled in 7 business days.
Inpatient treatment Cashless, provided the assistance company is activated for cashless before hospitalization or post hospitalization at the earliest so that the necessary rearrangements can be made for direct settlements, subject to policy terms and conditions. The insured has to pay the minimum deductible at the time of discharge as per the policy.

Outpatient - Not required.
Inpatient - for cashless service the insured has to get in touch with the assistance company (toll free number for including Americas policies: 1-866-866-2619 and for excluding Americas policies: +91-11-41898801)

Claims for which prior intimation has not been given to the Assistance Companies must be lodged with Tata AIG within 30 days. However it is advisable to register a claim abroad by informing the assistance companies on the applicable numbers (refer the policy certificate for the same)

If the individual has traveled back to India they may use one of the following methods to file a claim and mentione the policy/certificate number:

• Call the Toll Free Number on 1800 119966 (toll fee from BSNL/MTNL lines)
• SMS “CLAIM” to 8888
• Send a mail to general.claims@tata-aig.com

There is no restriction on the hospital where treatment should be taken. The treatment can be taken in any hospital in the world outside India. However, the only restriction is that the hospital should be a registered hospital under the local jurisdiction. It is however advisable in pre planned hospitalization, the Insured informs the Assistance Company whom may choose the direct them to a Network Hospital in the same locality.

It is not necessary to visit any particular hospital. You may visit any hospital or call up the Assistance Company and can get the medical referrals near to your place. Pre-existing illness/sickness/treatment is an exclusion under the policy.

Medicines prescribed by the treating doctor during the course of the treatment as per the policy terms and conditions.

In case of reimbursements, the claims are settled within 7 working days.

As per the policy plan, there is no refund of the part of the premium for early return from foreign country.

This benefit is applicable only for emergency situations which are not under the control of the insured.

The sum insured as mentioned in the policy schedule is for each traveling member. For eg. If there are 3 family members traveling under a single Gold Plan policy, each of the them will be covered for a SI of $200,000 under the Accident & Sickness benefit.

Also this limit of $200,000 is per accident which means that the limit gets topped up once a claim is settled. For eg. If Individual A has had an accident and had filed a claim for $10,000, in the event of another sickness claims he/she will be eligible for $200,000 in full and the same will not be reduced by the $10,000 already claimed under the first claim. However the deductible of $100 will be applicable for a single claim/incident.
There is no restriction on the number of claims per person in the policy period.