TATA AIG student travel insurance TATA AIG travel insurance for New Zealand from India

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Tata AIG Travel Insurance

TATA AIG travel insurance for New Zealand

Indian tourists travelling to New Zealand cannot rely on their Indian health insurance coverage while in New Zealand. Travelling abroad will always include some risks that can result in unexpected sickness or even an accident. The cost of health care in New Zealand is very expensive for international tourists.

Do I need travel insurance for New Zealand?

Buying the best Indian overseas mediclaim health insurance for New Zealand is advisable as it will cover the emergency medical expenses in case of hospitalization, emergency medical evacuation, repatriation of remains, dental treatment, baggage loss, loss of passport and personal liability. Tata AIG’s Travelguard international tourist health insurance for Indian tourists, parents, senior citizens to the New Zealand is very popular and travelers can have a worry free trip as all the medical expenses will be taken care of.

New Zealand insurance

TATA AIG international travel insurance highlights

Sum Insured

USD 50,000 / 1 Lakh / 2.5 Lakhs / 5 Lakhs / 7.5 Lakhs / 10 Lakhs

Coverage period

360 days

Eligibility

90 days to 99 years

TATA AIG travel insurance renewal while outside India

Indian travelers who want to extend or renew TATA AIG travel insurance can complete the TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.

The following documents are required for extending/renewing the policy:

  1. Filled & signed Good health declaration
  2. Passport (first and last page & stamp page of the departure)
  3. Air ticket copy of onward journey (traveled from India to overseas)

Factors for buying Indian travel insurance for New Zealand

The following are the important factors to consider while buying TATA AIG travel insurance New Zealand from India:

  1. Frequency of travel: If you are a corporate traveler or business man traveling overseas frequently, you might want to buy an annual multi-trip insurance plan, which insures you for several trips during the year. Fore a leisure traveler on an occasional vacation outside India, the single trip travel insurance is appropriate.
  2. Medical coverage required: Travelers should choose between the different TATA AIG travel insurance from India to New Zealand plans available based on the maximum sum limit coverage. The higher the medical maximum coverage, the greater will be the overall benefits offered by the plan.
  3. Sub-limits vs No Sub-limits: For travelers over 56 years, TATA AIG has limited on each coverage benefit under the plan with sub-limits. While these plans are cheaper, they do have limitations if one is hospitalised and has large medical expenses. For older travelers, it is recommended to buy seniors travel insurance New Zealand without these sub-limits, which even if more expensive, provide comprehensive coverage and is very important as healthcare is very expensive in Europe and the United States.

What is the cost of TATA AIG travel insurance to visit New Zealand?

The cost of TATA AIG travel medical insurance for visitors to New Zealand from India depends on the following factors:
  • Age of the traveler
    The older the traveler the higher the cost of travel insurance online New Zealand.
  • Length of travel
    The cost of travel insurance for visitors to New Zealand from India increases with the duration of insurance coverage required.
  • Travel Destination
    The cost of travel insurance from India varies with the destination. The United States is most expensive, followed by Europe. The cost within Asia and India is the cheapest.
  • Sum limit of insurance
    The higher the Accident and Sickness maximum limit, the higher the cost of insurance. The options range from $50,000 to $1,000,000.
  • Sub-limits vs No Sub-limits
    This is applicable for travelers over 56 years. No Sub-limit plans provide comprehensive coverage and are more expensive.

What are the main benefits of TATA AIG travel insurance from India?

A highlight of some of the main coverage benefits are listed here. Full details are available in the policy document
Medical Expenses - Injury and or Illness
Unlimited Sum Insured from $50,000 to $10 Lakhs USD per incident/loss, arising out of the same illness/injury.
Pre Existing Disease cover
Pre-existing diseases covered maximum liability up to $20,000 for under life threatening situation.
Emergency Medical evacuation
This is included in Medical Expenses - Injury and or Illness
Repatriation of Remains
25% of sum insured (This is included in Medical Expenses - Injury and or Illness)
Baggage delay
Upto $500
Checked Baggage loss
Upto $500
Accidental Death and Dismemberment (24 Hours)
From $10,000 to $25,000
Accidental Death and Dismemberment (Common Carrier)
Upto $5,000
Loss of Passport
From $250 Upto $500
Personal Liability
Upto $500,000
Flight delay (After 12 hours)
Upto $50
Hijack
Maximum Up to $500
Emergency cash advance
From $500 to $1500
Fraudulent charges (Payment card Security)
From $500 to $2000
Home burglary
From $100,000 to $2,00,000
Trip Cancellation
Upto $1500
Trip Curtailment
Upto $1500
Missed Connection / Missed Departure
Upto $750
Bounced Hotel / Airline booking
Upto $5000
Sickness Dental Relief
Upto $1200
Waiver of limited coverage
Travelers aged 56 and above, pay additional premium and get waiver on limited medical coverage.

TATA AIG New Zealand travel insurance FAQ's

How much is travel insurance to New Zealand?

Some of the important factors for the cost of TATA AIG travel insurance for New Zealand are:
Age of the traveler: The older the traveler, the more expensive is the travel insurance cost. Coverage for senior citizens is costlier than for younger travelers as older travelers are more vulnerable to face emergency sickness and accidents.
Coverage period: The cost of Indian travel insurance increases with an increase in the number of travel days.
Coverage maximum: The higher the medical maximum coverage required the higher is the premium cost for the TATA travel insurance.
Sublimits: The price of the travel insurance with sub-limits is less than that of travel insurance without sub-limits. Travel insurance without sub-limits provides comprehensive coverage without any specific limits on the medical expenses up to the plan maximum. However TATA AIG travel insurance with sub-limits have fixed limits on specific medical expenses.

TATA AIG’s travelguard insurance for New Zealand is ideal for Indian tourists visiting New Zealand and is one of the best overseas travel health insurance plans for Indians. TATA travel insurance for NZ offers coverage for emergency medical sickness, sickness dental relief, baggage delay, personal accident, personal liability, hijacking, loss of passport and checked in baggage loss.

The steps to claim TATA AIG travel insurance are :

Cashless :

  • Depending on the emergency contact the assistance service provider either before admitting / after admitting the traveler to the hospital.
  • Your claim is registered. The assistance service provider will talk to the hospital where the traveler is admitted.
  • The assistance service provider will give guarantee of payment to the hospital. The traveler takes the treatment.
  • The traveler has to pay the deductible and the rest is paid by the insurance company as per policy terms and conditions.

Reimbursement :

  • Traveler takes the treatment and collects all the reports, pharmacy bills and other documents.
  • The travelers calls the assistance service provider to register a claim.
  • Submits all the documents in original to the claims department back in India.
  • The claims department verifies the submitted documents. Claim is approved or rejected.
  • If approved the claims amount after deductible will be reimbursed to the traveler.

You can renew the TATA AIG policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online.

Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day).

if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.

Yes you can extend your travel insurance while being abroad. Fill the TATA AIG insurance policy renewal form so that our insurance advisors will help you to renew your policy.

Below 70 year old Travel policies can initially be purchased for 6 months and can be renewed for another 6 months provided that the policy holder is in good health, no claims on the existing policy and the policy has not expired. If the policy has expired or has any claims then renewal is based on approval from the insurance head office.

However for 70+ travel policies the sum total number of policy days included subsequent renewals cannot exceed 180 days.

Popular tourist destinations in New Zealand

Milford Sound
Milford Sound

Milford Sound is among the most famous tourist attractions in New Zealand. Lying at the most northern and accessible end of Fiordland National Park.

Bay of Islands
Bay of Islands

A three-hour drive north of Auckland, the beautiful Bay of Islands is one of the most popular vacation destinations in the country.

Queenstown
Queenstown

Snuggled between the shores of shimmering Lake Wakatipu and the snowy peaks of the Remarkables, Queenstown is New Zealand's adventure capital.

Lake Taupo
Lake Taupo

Lake Taupo is a lake in the North Island of New Zealand. It is in the caldera of the Taupo Volcano.

New Zealand Flag  New Zealand - General information

Area

268,021 km²

Capital

Wellington

Currency

New Zealand dollar (NZD)

Best time to visit

Dec to March

Population

51.2 lakhs

Language

English, Māori

Vacation spots

Auckland, Waiheke Island, Milford Sound, Christchurch, White Island, Hamilton, Hawke's Bay, Horowhenua.

Customer testimonials

TATA AIG citation

Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 16 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".