Indian citizens and expatriates living overseas often have parents visiting them. While parents international travel consists of threats to health and life, to be on the safer side it is a good idea to have health insurance for overseas parents to receive quality medical treatment. Overseas health care is excellent but very expensive. The Indian domestic health insurance will not cover your parents outside India and parents are responsible for their expenses in case of medical emergency.
Also while applying for visa in countries like USA, UK, Australia, Europe (Schengen countries), Singapore… parents will have to show documents to prove that they can take care of all expenses while living in the visa applying country. Some parents may also have pre-existing illness which can distress them while abroad. Buying a good international travel insurance that covers pre-existing conditions can be liable for all medical expenses arising from receiving treatment in a healthcare center.
TATA AIG offers pre-existing conditions insurance for parents who are travelling from India to overseas / foreign countries under life threatening conditions only. The insured can reimburse from $1,500 upto to $20,000 based on the policy maximum chosen for which they have spent while receiving treatment of pre-existing illness under life threatening when they were in a foreign country.
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:
Being old, it is advisable for parents to do some planning before leaving India. This includes counseling about the health care treatment and prevention of health threats while overseas.
Visit the doctor to get opinion on the travel precautions and health care. If you have pre-existing conditions carry necessary medications.
While travelling it is necessary to drink lots of water it will keep them hydrated. It is advisable to carry less baggage so it will be easy to move around. Carrying unwanted luggage can be burdensome.
Try to take care of your health overseas, stay warm, and avoid eating food that doesn’t suit you. Do not do anything that can result in sickness or accident.
Take copies of travel documents, passports, tickets, extra pair of glasses, medical prescriptions and doctor’s advice.
What are the key features of TATA AIG Parents travel insurance?
TATA AIG travel insurance is a cashless travel health insurance. A stay in the hospital should be more than 24 hours for an eligible claim to be cashless. The insured has to bear the agreed deductible and the rest becomes cashless.
TATA AIG international health insurance has coverage restrictions starting from the age of 56 years and above. Below is the table of medical restrictions regardless of the plan / option purchased at the inception of the policy and its subsequent renewals, if applicable
There is no age limit. TATA AIG travel guard covers pre-existing medical conditions under life threatening up to $20,00 depending upon the age and plan.
TATA AIG travel health insurance offers coverage from $1,500 upto to $20,000 based on the policy maximum chosen for pre-existing diseases under life threatening situations only.
One of the best Indian travel insurance for USA is the TATA AIG travel insurance. It covers travelers of all age group starting from 6 months. It offers a wide range of plans starting from $50,000 to $10,00,000 maximum coverage. An older traveler who are 56 years and above has an option of buying the plan without any medical sublimit.
TATA AIG travel insurance for USA works with popular networks like Hygeia, First Health and PHCS and hence the travelers traveling to US from India will get the assistance service of a local provider in the US. Faster and good claim settlement ratio. Covers for pre-existing ailments for a limited from $1,500 upto to $20,000 based on the plan chosen under life threatening situations. Popular brand among overseas travelers.
Tata AIG’s travel insurance plans for Indian parents provide coverage of up to $20,00 for pre-existing conditions in life-threatening situations depending upon the age and plan. Medical treatment aimed solely at relieving acute pain for diseases or accidents arising from a pre-existing condition will be reimbursed up to this specified limit. However, any additional medical treatment costs to improve or maintain the insured’s stable condition or prevent the onset of acute pain will be the responsibility of the insured.
Tata AIG offers two travel insurance plans for parents traveling abroad. The standard *Travel Guard Plus* International Plan provides coverage for insured individuals up to 70 years of age (based on the travel date). Additionally, they offer a Senior Citizen Plan for parents over 70 years old, with no upper age limit, allowing anyone above 70 to purchase this plan. Depending on your parents' age, you can select the most suitable plan from Tata AIG.
No, travel insurance must be purchased by the insured traveler before their departure from India. However, in special cases where the departure is only a few days before the insurance is needed, the insurance company may grant approval. This requires submitting a declaration of good health and a nil claim declaration. If approved, an insurance policy for the parents can be purchased. Please fill the form
Benefits | Silver | Silver Plus | Gold | Platinum | Titanium | Titanium Plus |
---|---|---|---|---|---|---|
Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
Age | 12 years - 70 years | 12 years - 70 years | 12 years - 70 years | 12 years - 70 years | 12 years - 60 years | 12 years - 60 years |
Destination | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries |
Sum Insured for Accident & Sickness | Up to $50,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
Up to $750,000 Deductible : $100 |
Up to $1,000,000 Deductible : $100 |
Pre Existing Disease Coverage (only in case of life threatening conditions) | Up to $2,500 | Up to $5,000 | Up to $10,000 | Up to $10,000 | Up to $15,000 | Up to $20,000 |
Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $50,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Up to $250,000 Deductible : $100 |
Up to $500,000 Deductible : $100 |
Up to $750,000 Deductible : $100 |
Up to $1,000,000 Deductible : $100 |
Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured |
Accidental Death & Disablement (Overseas) | Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000 |
Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000 |
Accidental Death: Maximum $50,000 Accidental Disablement: Maximum $50,000Benefit Total - Maximum $50,000 |
Accidental Death: Maximum $75,000 Accidental Disablement: Maximum $75,000Benefit Total - Maximum $75,000 |
Emergency Medical Dental Expenses | $300 Deductible : $50 |
$400 Deductible : $50 |
$500 Deductible : $50 |
$1,000 Deductible : $50 |
$1,000 Deductible : $50 |
$1,200 Deductible : $50 |
Delay of Checked-in Baggage | $40 Deductible : After 4 hours |
$40 Deductible : After 4 hours |
$45 Deductible : After 4 hours |
$50 Deductible : After 4 hours |
$50 Deductible : After 4 hours |
$50 Deductible : After 4 hours |
Loss of Checked-in Baggage | $200 | $200 | $300 | $300 | $400 | $500 |
Loss of Passport | $250 Deductible : $25 |
$250 Deductible : $25 |
$250 Deductible : $25 |
$250 Deductible : $25 |
$500 Deductible : $25 |
$500 Deductible : $25 |
Personal Liability | $100,000 Deductible : $200 |
$100,000 Deductible : $200 |
$200,000 Deductible : $200 |
$500,000 Deductible : $250 |
$500,000 Deductible : $250 |
$500,000 Deductible : $250 |
Trip Curtailment | $500 Deductible : $50 |
$500 Deductible : $50 |
$750 Deductible : $75 |
$1,000 Deductible : $100 |
$1,000 Deductible : $100 |
$1,500 Deductible : $100 |
Trip Cancellation | $500 Deductible : $50 |
$500 Deductible : $50 |
$750 Deductible : $50 |
$1,000 Deductible : $100 |
$1,000 Deductible : $100 |
$1,500 Deductible : $100 |
Flight Delay | - | - | $45 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
Missed Flight/Connection | $250 | $250 | $500 | $750 | $750 | $750 |
Bounced Hotel/Airline booking | $500 Deductible : $50 |
$500 Deductible : $50 |
$750 Deductible : $75 |
$1,000 Deductible : $100 |
$2,500 Deductible : $100 |
$5,000 Deductible : $100 |
Fraudulent Charges | Per Occurrence Limit $250; Maximum Limit $500 | Per Occurrence Limit $250; Maximum Limit $500 | Per Occurrence Limit $500; Maximum Limit $1000 | Per Occurrence Limit $1000; Maximum Limit $2000 | Per Occurrence Limit $1250; Maximum Limit $2500 | Per Occurrence Limit $1250; Maximum Limit $2500 |
Home Content Burglary (in INR) | ₹50,000 Deductible : ₹5,000 |
₹50,000 Deductible : ₹5,000 |
₹1,50,000 Deductible : ₹5,000 |
₹2,50,000 Deductible : ₹5,000 |
₹5,00,000 Deductible : ₹5,000 |
₹5,00,000 Deductible : ₹5,000 |
Accommodation Extension | $100 per day upto Maximum of 10 days | $250 per day upto Maximum of 10 days | $300 per day upto Maximum of 10 days | $750 per day upto Maximum of 10 days | $1000 per day upto Maximum of 10 days | $1000 per day upto Maximum of 10 days |
Hijack/Kidnap Daily Allowance | - | $75 for every 12 hours, upto Maximum of 10 days | $100 Per 12 hours, upto Maximum of 10 days | $150 Per 12 hours, upto Maximum of 10 days | $150 Per 12 hours, upto Maximum of 10 days | $200 Per 12 hours, upto Maximum of 10 days |
Loss of International driving license | - | $100 | $100 | $100 | $150 | $150 |
Flight Cancellation | - | $75 | $75 | $150 | $200 | $250 |
Emergency Extension of the Policy | 7 days | 7 days | 7 days | 15 days | 15 days | 15 days |
Loss of Personal Baggage | - | - | $200 Deductible : $30 |
$300 Deductible : $30 |
$400 Deductible : $30 |
$500 Deductible : $30 |
Personal Accident in India (in INR) | - | - | ₹15,00,000 | ₹20,00,000 | ₹25,00,000 | ₹50,00,000 |
Compassionate Travel/Stay | - | - | - | Upto $3,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member |
Loss of Cash | - | - | - | $125 | $250 | $375 |
Upgradation to Business Class | - | - | - | - | $750 | $1,000 |
Rental Vehicle Cover | - | - | - | - | $500 | $500 |
Rental Vehicle Return | - | - | - | - | $250 | $500 |
Alternative Transport Expenses | - | - | - | - | $750 | $1,000 |
Pandemic Cover | - | - | - | - | $500 | $500 |
Hospital Daily Cash (Per Day) | - | - | - | - | - | $75 Per day, upto Maximum of 10 days |
Missed Booking | - | - | - | - | - | $750 |
Visa Rejection | - | - | - | - | - | $100 |
Medical Sublimit | Silver | Silver Plus | Gold | Platinum | Titanium | Titanium Plus |
---|---|---|---|---|---|---|
Hospital Room Rent and Boarding expenses | $1,500 per Day up to 30 Days | $1,500 per Day up to 30 Days | $1,750 per Day up to 30 Days | $2,000 per Day up to 30 Days | $2,000 per Day up to 30 Days | $2,500 per Day up to 30 Days |
Emergency Room Services | $1,500 | $1,500 | $1,750 | $2,000 | $2,000 | $2,500 |
ICU Charges | $3,000 per Day up to 7 Days | $3,000 per Day up to 7 Days | $3,250 per Day up to 7 Days | $3,750 per Day up to 10 Days | $3,750 per Day up to 10 Days | $4,000 per Day up to 10 Days |
Surgical Treatment Expenses | $12,500 | $12,500 | $13,000 | $15,000 | $15,000 | $22,500 |
25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | |
Physician Consultation Charges | $125 per day up to 10 visits | $125 per day up to 10 visits | $175 per day up to 10 visits | $250 per day up to 10 visits | $250 per day up to 10 visits | $350 per day up to 10 visits |
Diagnostic Tests | Up to $750 | Up to $750 | Up to $1,000 | Up to $1,500 | Up to $1,500 | Up to $2,500 |
Ambulance Service (Not applicable for Outpatient Treatment) | Up to $500 | Up to $500 | Up to $600 | Up to $750 | Up to $750 | Up to $1,000 |
Pharmacy | Up to $2,000 | Up to $2,000 | Up to $2,000 | Up to $2,000 | Up to $2,000 | Up to $2,000 |
Miscellaneous Expenses | Up to $500 | Up to $500 | Up to $500 | Up to $500 | Up to $500 | Up to $500 |
Emergency Room Services | $27,500 | $27,500 | $30,000 | $35,000 | $35,000 | $40,000 |
Non-Surgical (Medical Management cases) | $13,000 | $13,000 | $15,000 | $17,500 | $17,500 | $20,000 |
Benefits | Senior | Senior Plus |
---|---|---|
Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
Age | 71-80 years | 71-80 years |
Destination | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries |
Sum Insured for Accident & Sickness | Upto $50,000 Deductible : $100 |
Upto $100,000 Deductible : $100 |
Pre Existing Disease Coverage (only in case of life threatening conditions) | Upto $2,500 | Upto $3,000 |
Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured) | Up to $50,000 Deductible : $100 |
Up to $100,000 Deductible : $100 |
Repatriation of Mortal Remains | Upto 25% of Accident & Sickness Sum Insured | Upto 25% of Accident & Sickness Sum Insured |
Accidental Death & Disablement (Overseas) | Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000 |
Emergency Medical Dental Expenses | $300 Deductible : $75 |
$500 Deductible : $75 |
Delay of Checked-in Baggage | $40 Deductible : After 4 hours |
$40 Deductible : After 4 hours |
Loss of Checked-in Baggage | $200 | $200 |
Loss of Passport | $250 Deductible : $25 |
$250 Deductible : $25 |
Personal Liability | $1,00,000 Deductible : $200 |
$1,00,000 Deductible : $200 |
Trip Curtailment | $500 Deductible : $100 |
$500 Deductible : $100 |
Trip Cancellation | $250 Deductible : $50 |
$500 Deductible : $50 |
Flight Delay | $40 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
$40 For all overseas flights taken during Insured Trip Deductible : After 4 hours |
Missed Flight/Connection | $250 | $250 |
Bounced Hotel/Airline booking | $500 Deductible : $50 |
$500 Deductible : $75 |
Home Content Burglary (in INR) | ₹50,000 Deductible : ₹5,000 |
₹50,000 Deductible : ₹5,000 |
Accommodation Extension | $50 per day upto Maximum of 10 days | $100 per day upto Maximum of 10 days |
Hijack/Kidnap Daily Allowance | $75 Per 12 hours, upto Maximum of 10 days | $100 Per 12 hours, upto Maximum of 10 days |
Flight Cancellation | - | $75 |
Emergency Extension of the Policy | 7 days | 7 days |
Loss of Personal Baggage | Not Available Deductible : Not Available |
$200 Deductible : $30 |
Compassionate Travel/Stay | Upto $2,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member | Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member |
Medical Sublimit | Senior | Senior Plus |
---|---|---|
Hospital Room Rent and Boarding expenses | $1,500 per Day up to 30 Days | $1,500 per Day up to 30 Days |
Emergency Room Services | $1,500 | $1,500 |
ICU Charges | $3,000 per Day up to 7 Days | $3,000 per Day up to 7 Days |
Surgical Treatment Expenses | $12,500 | $12,500 |
25% of Surgical Treatment Expenses for Anesthetist Services | 25% of Surgical Treatment Expenses for Anesthetist Services | |
Physician Consultation Charges | $125 per day upto 10 visits | $125 per day upto 10 visits |
Diagnostic Tests | Up to $750 | Up to $750 |
Ambulance Service (Not applicable for Outpatient Treatment) | Up to $500 | Up to $500 |
Pharmacy | Up to $2,000 | Up to $2,000 |
Miscellaneous Expenses | Up to $500 | Up to $500 |
Emergency Room Services (Total) | $27,500 | $27,500 |
Non-Surgical (Medical Management cases) | $13,000 | $13,000 |
Senior Plan | Coverage |
---|---|
Accident and Sickness Medical Expenses Reimbursement (Deductible $100) | $50,000 |
Accidental Death and Dismemberment Benefit(24 Hrs) | $10,000 |
Emergency MedicalEvacuation | Included under the benefit limit of accident & Sickness medical expense reimbursement |
Repatriation of Remains | Included under the benefit limit of accident & Sickness medical expense reimbursement |
Baggage Delay Benefit(After first 12 hrs) | $50 |
Loss of Passport (Deductible $30) | $250 |
Personal Liability(Deductible $200) | $100,000 |
Emergency Cash Advance | $500 |
The Tata AIG parents travel insurance cost per month starts at just ₹2,474 for coverage Worldwide Including USA & Canada. Tata AIG parents travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG parents travel insurance plan variants.
Traveler's age | Travel Guard Plus Silver | Travel Guard Plus Silver Plus | Travel Guard Plus Gold | Travel Guard Plus Platinum | Titanium | Titanium Plus |
$50,000 | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 | |
50-55 years | ₹3,216 | ₹3,553 | ₹4,593 | ₹5,102 | ₹6,406 | ₹7,543 |
56-60 years (Limited coverage) | ₹3,216 | ₹3,553 | ₹4,593 | ₹5,102 | ₹6,406 | ₹7,543 |
56-60 years | ₹6,375 | ₹7,383 | ₹9,647 | ₹10,275 | - | - |
61-70 years (Limited coverage) | ₹6,175 | ₹7,156 | ₹8,768 | ₹9,403 | - | - |
61-70 years | ₹11,902 | ₹14,625 | ₹17,900 | ₹20,368 | - | - |
Traveler's age | Travel Guard Plus Senior | Travel Guard Plus Senior Plus |
$50,000 | $100,000 | |
71-75 years (Limited coverage) | ₹9,097 | ₹12,571 |
71-75 years | ₹21,769 | ₹24,351 |
76-80 years (Limited coverage) | ₹12,998 | ₹17,922 |
76-80 years | ₹31,450 | ₹35,141 |
Traveler's age | Travel Guard Plus Super Senior |
$50,000 | |
81 - 85 years (Limited coverage) | ₹25,504 |
81 - 85 years | ₹54,801 |
86 - 90 years (Limited coverage) | ₹40,975 |
86 - 90 years | ₹88,582 |
91 - 98 years (Limited coverage) | ₹51,634 |
91 - 98 years | ₹103,396 |
Traveler's age | Travel Guard Plus Super Senior |
$50,000 | |
99 years | ₹103,396 |
The Tata AIG parents travel insurance cost per month starts at just ₹1,183 for coverage Worldwide Excluding USA & Canada. Tata AIG parents travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG parents travel insurance plan variants.
Traveler's age | Travel Guard Plus Silver | Travel Guard Plus Silver Plus | Travel Guard Plus Gold | Travel Guard Plus Platinum | Titanium | Titanium Plus |
$50,000 | $100,000 | $250,000 | $500,000 | $750,000 | $1,000,000 | |
50-55 years | ₹1,466 | ₹1,811 | ₹2,142 | ₹2,515 | ₹2,991 | ₹3,625 |
56-60 years (Limited coverage) | ₹1,466 | ₹1,811 | ₹2,142 | ₹2,515 | ₹2,991 | ₹3,625 |
56-60 years | ₹1,887 | ₹2,440 | ₹3,168 | ₹3,354 | - | - |
61-70 years (Limited coverage) | ₹2,874 | ₹3,674 | ₹4,174 | ₹4,699 | - | - |
61-70 years | ₹3,740 | ₹4,999 | ₹5,915 | ₹7,004 | - | - |
Traveler's age | Travel Guard Plus Senior | Travel Guard Plus Senior Plus |
$50,000 | $100,000 | |
71-75 years (Limited coverage) | ₹5,845 | ₹6,604 |
71-75 years | ₹7,725 | ₹10,683 |
76-80 years (Limited coverage) | ₹7,202 | ₹9,352 |
76-80 years | ₹11,174 | ₹15,415 |
Traveler's age | Travel Guard Plus Super Senior |
$50,000 | |
81 - 85 years (Limited coverage) | ₹13,936 |
81 - 85 years | ₹23,486 |
86 - 90 years (Limited coverage) | ₹23,842 |
86 - 90 years | ₹40,555 |
91 - 98 years (Limited coverage) | ₹32,511 |
91 - 98 years | ₹55,490 |
Traveler's age | Travel Guard Plus Super Senior |
$50,000 | |
99 years | ₹55,490 |
You can buy Travel Guard Plus online by using a credit/debit card, direct funds transfer, NEFT or RTGS or by a cheque.
Travelers already outside India without insurance? We can try to get special approval to buy TATA AIG travel insurance online.
Calculate the TATA AIG international travel insurance premium for Indian travelers and senior citizens travelling overseas.
In case of Claim or reimbursement of treatment expenses, notify TATA AIG toll free and helpline.
Download TATA AIG Travel Guard brochure online!
Travel insurance customers can renew their existing policy online before the exipry date at any time.
TATA AIG travel insurance for older travellers above 70 years.
International travel insurance for Indian parents overseas.
TATA AIG travel insurance for pre-existing conditions.
TATA AIG overseas mediclaim insurance for older travelers above 80 years.
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".