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TATA AIG parent travel insurance TATA AIG travel insurance for parents visiting USA from India

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Tata AIG parent travel Insurance

International travel insurance for Indian parents

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.

How can I extend or renew my TATA AIG Parents travel insurance 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)

What are the travel tips to consider while buying visitors insurance for Parents from India?

flight_land

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.

person

Visit the doctor to get opinion on the travel precautions and health care. If you have pre-existing conditions carry necessary medications.

water_drop

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.

volunteer_activism

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.

description

Take copies of travel documents, passports, tickets, extra pair of glasses, medical prescriptions and doctor’s advice.

TATA AIG travel insurance for parents - frequently asked questions

What are the key features of TATA AIG Travel Guard Plus insurance?

What are the key features of TATA AIG Parents travel insurance?

  • Unique plan which provides overseas travel medical insurance of all ages.
  • Travelers 56 years and above have an option of choosing coverage without medical sub limits by paying additional premium.
  • After deductible cashless hospitalization medical expenses and OPD/ doctor visits including pharmacy bills are reimbursement basis.
  • Cover for Baggage Loss, Baggage delay, Trip Cancellation and Trip Curtailment, Missed Connection/Departure, Bounced Hotel/Airline booking
  • Covers for Pre-existing medical conditions in case of life threatening situation for all ages up to $20,000.
  • TATA AIG works with popular networks in USA like HYGEIA, First Health Network and PHCS. The policy holders will get quick service.

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

What are the coverage benefits of visitor insurance for Indian parents?

  • Individual / Multiple travelersSenior
  • Individual / Multiple travelers
    zx ,
    Benefits SilverSilver 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
    Sublimits applicable on Inpatient Treatment / Day Care Treatment / Outpatient Treatment:
    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
  • Senior
    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
    Sublimits applicable on Inpatient Treatment / Day Care Treatment / Outpatient Treatment
    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

What are the coverage options under TATA AIG parents visitors insurance?

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
Note:
**Option of buying the policy without medical sublimits for the age above 56 years
Senior Citizens (70+ years ) can buy travel medical insurance up to maximum 180 days
Senior Citizens insurance is renewable with no claims and a good health declaration if the total number of travel days does not exceed 180 days.

How much does a Tata AIG parents travel insurance cost per month?

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

TATA AIG travel insurance for Indian parents

elderly
Parents above 70 years

TATA AIG travel insurance for older travellers above 70 years.

diversity_3
Parents travel insurance

International travel insurance for Indian parents overseas.

stethoscope
Pre-existing coverage

TATA AIG travel insurance for pre-existing conditions.

elderly
Senior Citizen Insurance

TATA AIG overseas mediclaim insurance for older travelers above 80 years.

Customers 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".