Tata Aig Travel Insurance Forum

TATA AIG travel health insurance query
Questions
One of my relative is visiting me in Australia. The lady is Feb-1957 born. Please answer my queries so that I can decide on insurance.
  • What is the amount for which Repatriation of remains is included?
  • If we need to see a general doctor here called as GP then up to what amount the fees are covered for a woman born in Feb 1957 ?
  • Sickness Dental Relief: $ 400 ( $150 ) but what's $150 indicating here? it says deductible ?
  • What Ear Nose Throat (ENT) services are covered?
  • How much ambulance charges are covered and also how many times we can call ambulance considering charges is around $500 in Australia for one-time ambulance calling?
  • What is the limit for a pharmacy bill?
  • What's the limit for doctor's fee?
  • Also, how can I get coverage more than 180 days?
  • Also how can be pathology/radiology charges are covered?
by AD
comment
Below is answers for your query
  • What is the amount for which Repatriation of remains is included?
    Answer:TATA AIG Travelguard insurance covers up to the sum insured as per the policy.
  • If we need to see a general doctor here called as GP then up to what amount the fees are covered for a woman born in Feb 1957 ?
    Answer: As the traveler is 60 year old, the fees payable for physician's visit is $75 per day up to 10 visits. There will be capping / restriction on the medical expenses for travelers 56 years and above. You can get the breakup details of medical expenses in the policy wordings / policy. However these medical restrictions can be waived off if you pay additional premium. Get more information of the product at Tata aig travel insurance
  • Sickness Dental Relief: $ 400 ( $150 ) but what's $150 indicating here? it says deductible ?
    Answer:$150 is deductible which means that a minimum amount has to be paid by the insured.
  • What Ear Nose Throat (ENT) services are covered?
    Answer:It will be covered under the medical sickness as per the policy.
  • How much ambulance charges are covered and also how many times we can call ambulance considering charges is around $500 in Australia for one-time ambulance calling?
    Answer: For a 60 year old traveler, Max up to $400 one time during the policy tenure. Payable Ambulance from home to hospital or inter-hospital shifts is payable or accidental spot to hospital.
  • What is the limit for a pharmacy bill?
    Answer:There is no limit, TATA AIG will process the claim as per the original bills submitted after deductible if any.
  • What's the limit for doctor's fee?
    Answer:For a 60 year old traveler, fees payable for physician's visit is $75 per day up to 10 visits
  • Also, how can I get coverage more than 180 days?
    Answer:Initially you can get the policy for maximum for 180 days and later you can extend the policy by filling the TATA AIG online renewal form for another 180 days. Renewal is based on approval, no claims and good health declaration from the insured.
  • Also how can be pathology/radiology charges are covered?
    Answer:Radiology can be paid as charges, not as consumable. It is covered as per terms and conditions of the policy.
Please feel free to write back should you have any further queries.

TATA AIG Travel Insurance for Alaska Cruise
Questions
Thanks for the quote. Can you send the list of things covered please?
I had a few questions:
  • We are planning to go on an Alaska Cruise from Sept 4th to 10th. Will that be covered too?
  • In case we need to extend our stay, will you be able to extend the insurance? How much notice do you need?
  • I always have some issues with my teeth. I have visited my dentist and am making sure everything is okay at this point in time. If something acts up during my stay in the US, will that be covered too? I have never had any issues in all these years that I have traveled outside the country, so I do not expect anything, but will be good to know if this is covered or not.
Also, please send us an easy to follow set of instructions to follow in case we need to claim (hope not!!). Put it in simple terms!
Look forward to hearing from you
by Vilasini Kumar
comment
Please find below response to your queries:
  • We are planning to go on an Alaska Cruise from Sept 4th to 10th. Will that be covered too?
    Answer: Yes
  • In case we need to extend our stay, will you be able to extend the insurance? How much notice do you need?
    Answer: Extension allowed on a 3 days prior intimation subject to nil claims and continued good health.
  • I always have some issues with my teeth. I have visited my dentist and am making sure everything is okay at this point in time. If something acts up during my stay in the US, will that be covered too? I have never had any issues in all these years that I have traveled outside the country, so I do not expect anything, but will be good to know if this is covered or not.
    Answer: We will pay benefits for the Reasonable and Customary Charges, subject to the Deductible, shown in the Policy Schedule, actually incurred if as a result of sudden acute pain, which occurs without warning to one or more of Your Sound Natural Teeth requiring Immediate Dental Treatment under circumstances described in a Hazard during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies, subject to the per tooth and per occurrence maximum amounts shown in the Policy Schedule. Dental benefits shall be limited to treatment sustained to Sound Natural Teeth. Covered emergency dental expenses are those incurred overseas, under the circumstances described in a Hazard during the Insured Journey within 30 Days of date of the first treatment.
Trust that addresses your queries.
Please feel free to write back should you have any further queries.

India Domestic Travel Insurance
Questions
I am interested to buy domestic travel insurance. Does it cover for emergency sickness medical expenses?
by Ashok
comment
Domestic travel policies does not cover for sickness medical expenses, these are policies which cover medical expenses due to accident during your domestic trip. Below are the few companies which offer domestic travel insurance.
You can get free quotes and buy the Bajaj Allianz domestic insurance online at TATA AIG Domestic Travel Insurance

Explaination of terms in the policy document
Questions
I have a TATA AIG policy and as I was going through the policy document I found in the benefit column there is one term 'Automatic extension of policy up to 7 days - Available'. Can you explain this?
by Vailey
comment
Thank you for your email. The automatic extension of the policy up to 7 days benefit is applicable only in case of situations where the insured is not able to travel due to circumstances beyond his or her control. Examples of this situation are in the case of natural calamities (earthquake, floods), political disturbances resulting in flights not allowed (coup, civil war) etc.. and the insured is not in a position to travel. In such situations this benefit is applied and the insurance cover period is extended up to 7 days.
In case the insured willingly extends his journey, then he/she has to pay the additional premium for the number of days he/she needs extension.

TATA AIG Travel Insurance offering dental coverage in Singapore
Questions
I am visiting Singapore from 29th Aug. to 13th Sep. want TATA AIG Insurance including dental coverage.
by P GUPTA
comment
Thank you for choosing NRIOL for your TATA AIG travel insurance requirements. Overseas travel medical insurance cover emergency dental pain relief for a nominal amount of $300 to $1,000 depending on the plan you purchase. These plans do not cover for any cosmetic treatments or surgeries.You can get free quotes and buy the online at: TATA AIG Travel Insurance

TATA AIG Travel Insurance for travelers visiting Australia
Questions
Myself along my wife visiting Australia on 7th Oct for 180 days. I am interested in buying overseas cashless travel insurance from TATA AIG travel insurance. We are aged between 61-70 years?
by Mishra
comment
Thank you for contacting NRIOL for your TATA AIG travel insurance requirements. TATA AIG travel guard offers $50,000, $100,000, $250,000 and $500,000 US dollar coverage plans. As you people are above 56 years, the plans are fixed benefit plans which means that there will be restricted cover for medical expenses as below:
  • Hospital Room and Board and Hospital miscellaneous: Max $1,500 per day up to 30 days whichever is less.
  • Intensive Care Unit: Max $3,000 per day up to 7 days whichever is less.
  • Surgical Treatment: Max $10,000
  • Anesthetist Services: Up to 25% of Surgical Treatment
  • Physician's Visit: Max $75 per Day up to 10 visits
  • Diagnostic and Pre-Admission Testing: Max $500
  • Ambulance Services: Max $400
However these medical restrictions is waived off by paying additional premium. Such plans which do not have above medical restrictions are called plans without sublimit. These plans are expensive than fixed benefit plans.
You can get free quotes and buy the online at TATA AIG Travel Insurance

Renewing TATA AIG Policy
Questions
I understand that I have to buy a new policy as a renewal of existing policy. However before processing with the payment. Please answer the following:
  • When I sign for the new policy will the policy details of the previous policy and the current one remain the same?
  • Once I purchase the policy for 60 days from April 5, Do You have the old policy details from Dec.21 to April 4th?
  • We do not have a claim until now but if any claim arises before the end of the renewal do you guys have the proof that the policy started from Dec.21?
  • Is buying the new policy the same as renewal?
Please answer the questions ASAP so I can go ahead and purchase the policy and please send me the link to where I can make the purchase.
by Lakhvinder
comment
Thank you for contacting us for renewing your TATA AIG travel policy. Below are the answers to your queries.
  • Yes, only the policy number and the travel dates will be new and other details will be same as your previous policy.
  • Yes, based on your existing policy you will get an approval to renew the policy.
  • Yes, the insurance company will have all your details, and having given approval for the renewal will be aware of your old policy details as well.
  • Yes, the new policy will work as an extension of the existing policy. In case of any claim arises in the renewal policy, then your claims will be settled as per agreed terms and conditions of the policy.
You can get free quotes and buy the policy online at:
TATA AIG Travel Insurance

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