TATA AIG Senior Citizen travel insurance

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 »

• 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.