TATA AIG Senior Citizen travel insurance

Senior citizen travel insurance from TATA AIG

Please read through TATA AIG travel insurance brochure for the benefits covered by the plan and its policy wordings which explains the terms and conditions. You can also complete an online TATA AIG Travelguard proposal form. You can get the complete quotes using the TATA AIG premium chart. You can renew/extend the plan using TATA AIG travel insurance extension on expiry.

TATA AIG travel insurance coverage for Covid19

The TATA AIG Travel Guard travel insurance offered by Tata AIG General Insurance Company Ltd offers coverage for medical expenses related to COVID19. Coronavirus related coverage for every insured is available up to the limits mentioned in the Policy Schedule for expenses incurred due to sudden and unexpected Sickness or Accident arising when insured is outside the Republic of India. Coverage in the policy is subject to policy terms & conditions.

• COVID related expensed are covered up to the Sum Insured according to the plan chosen less any deductible.
• Covid expenses are covered for plans both with and without Sub Limits up to the eligible policy maximum.

The number of countries that insist on travel medical insurance upon arrival had been increasing over the years even before the COVID pandemic, however this list of countries is now growing rapidly. Several instances of unpaid medical bills by foreigners have caused huge losses to hospitals. This has pushed several governments to insist on travel health insurance for visiting their countries so as to minimize these incidents. This will hugely impact many Indian tourists, corporate executives and students who have deferred their foreign trips due to Covid-19 but will need to travel overseas soon.

Along with proof of travel medical insurance many countries are also implementing Covid testing documents while allowing visitors to their countries. See of the countries that mandate travel insurance with COVID coverage for entry include (this list is fast changing). Schengen countries, Thailand, Dubai, Russia, Qatar, Cambodia....

Exclusions under TATA AIG Covid travel insurance for Coronavirus

• Expenses related to coronavirus testing are not covered until test reports are positive and leads to inpatient hospitalization.
• Institutional and Home quarantine expenses are not covered.
• Expenses incurred by travelers for COVID testing as part of government regulation are not covered.

Covid insurance for international travel »

Indian senior citizens who are traveling overseas to US, Europe, UK, Australia, Singapore… should understandably take extra precautions for their overseas travel. Quite often their international travel begins with a long arduous flight often with layovers in different airports. The different security checks itself are tiresome and add to overall fatigue. Beyond the journey, international travellers are exposed to a new environment with different weather conditions, new food and water. All of this can overwhelm any traveller, not only senior citizens. Seniors are also vulnerable as they can have weaker immune systems or can have an existing medical ailment flare up.

While traveling overseas can be exciting, being forced to visit a hospital outside India can be traumatic. In this context, one can reduce the anxiety while traveling overseas by purchasing reliable international travel insurance. TATA AIG Travelguard insurance is very popular and is available for Indian senior citizen nationals up to the age of 99 years. The international travel medical insurance coverage for seniors up to the age of 70 years is $500,000 USD and after the age of 70 years is $50,000 USD. This policy also covers pre-existing conditions up to $1500 USD. There are two options for TATA AIG travel insurance for senior citizens, one plan with sub-limits which is cheaper and another comprehensive coverage without sub-limits which is more expensive.

This travel insurance for seniors is designed specifically to cover most the medical expenses. The medical insurance coverage includes pre-admission tests, ambulance services, physician visits, emergency medical evacuation, hospital room charges, ICU charges and surgical treatment.

• Having someone from the family to help with the flight reservations is advisable. Do let your children book your tickets and make other travel reservations for you.
• Always book a non-stop flight if possible to avoid missing flights and minimize travel time.
• Try looking for senior discounts as some flights claim to offer them
• While booking a flight it is better to choose the right disability option. The airlines may offer special assistance while travelling.
• Travel during the right time of the day as the elderly travelers may get exhausted travelling at odd times
• Do not forget to carry all the required medications as some may not be available in the country you are visiting. Carrying a list of medicines and their dosages is also recommended.
• Carry light and sufficient luggage with things that are necessary and not unwanted substances.
• Requesting a wheelchair at the airport as walking can be tiring
• It is advisable to have a family member travel with senior citizens who could help out with luggage and immigration
• When senior visit you plan activities sparingly so that they always have time to relax and lie down.