TATA AIG India Travel Medical Insurance - FAQ's

A GOP is Guarantee of Payment to the hospital wherein the insured is being treated as an indoor patient. We require insured's kind cooperation in providing following details to our assistance company to proceed with the GOP to hospital.

Basic requirements are:

1. Duly filled in authorization form from the treating Physician.
2. Contact details of the Local Family Physician.
3. Duly filled and signed Release Of Medical Information Form

Some of the General exclusions are as follows:

1. Where the Insured Person is traveling against the advice of a Physician; or receiving or on a waiting list for receiving specified medical treatment; or is traveling for the purpose of obtaining treatment; or has received a terminal prognosis for a medical condition; or
2. Any Pre-existing Condition or any complication arising from it; or
3. Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection; or
4. Serving in any branch of the Military or Armed Forces of any country, whether in peace or War, and in such an event We, upon written notification by You, shall return the pro rata premium for any such period of service during the Trip; or
5. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed; or
6. Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion; or
7. Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Airline; or
8. Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; or
9. Any loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to action taken in respect of any act of terrorism.
   
   If the Company alleges that by reason of this Exclusion, any loss, damage, cost or expenses is not covered by this insurance the burden of proving the contrary shall be upon the Insured.
10. Any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Act of Terrorism; or
11. The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; The dispersal or application of pathogenic or poisonous biological or chemical materials; The release of pathogenic or poisonous biological or Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which You are untrained
12. The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
13. Performance of manual work for employment or any other hazardous occupation, self exposure to needless peril (except in an attempt to save human life); or
14. Congenital anomalies or any complications or conditions arising therefrom; or
15. Participation in winter sports, skydiving/parachuting, hand gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any
16. The Insured Person riding on a motorcycle or any other two wheeled motorized mode of conveyance as driver or as passenger.
17. Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy, or
18. For any loss of which a contributing cause was Your actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or Your resistance to arrest; chemical materials, (However, the above only applies if 50 or more persons sustain death within 90 Days of the date of the incident)

No, there is no refund of premium for unused policy period for any of the travel guard polices in case of early return

Yes it will be covered. If the stay in the hospital room is less than 24 hours, then the insured has to bear and claim for reimbursement.In case if the stay exceeds 24 hours, then it will be covered hospitalization expenses and direct billing will be done by the insurance company.

Yes it covers emergency illness. If it is an outpatient the insured has to bear the expenses and claim for reimbursement. In case if the insured stays in the hospital for more than 24 hours then the insurance company does direct billing.

For travelers who are 56 years and above TATA AIG travel guard has two set of plans. One plan has sub-limits (which implies that there are limits for different medical benefits) and other plan without sub-limits (The medical maximum coverage is the limit, there are no limits for specific treatments within the medical maximum coverage). If the travelers buys a plan with sub-limits, then he/she gets restricted medical coverage for specific treatments according to the policy terms and conditions. If a customer buys a plan without sub-limits, there is no restriction on the medical expenses and is covered up to policy maximum. Plan with sublimits are cheaper than plan without sublimits.
Example: If a traveler purchases $50,000 coverage plan with sublimits. Then as per policy terms and conditions for one illness /accident medical expenses he will get the restricted medical cover as per the below grid.

However the above restriction is waived off if he buys the same $50,000 coverage plan without sublimits.