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TATA AIG TATA AIG Travel Insurance Plans

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What is the plan type?

TATA AIG International Travel Insurance Review

Sum Insured

USD 50,000/ 100,000/250,000/500,000

Tenure Options

180 days( can be extended for further)

Age of Entry

180 days to 99 years

TATA AIG student travel insurance

No medical check up

Instant policy

TATA AIG travel insurance renewal while outside India

Indian overseas travelers who are stranded outside India due to coronavirus and are unable to travel back want to extend or renew TATA AIG travel insurance online. These travelers can complete the TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.

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What are the different travel insurance plans offered by TATA AIG

TATA AIG offers its travel insurance under the brand TATA AIG Travelguard. The following are the different travel insurance plan options available under TATA AIG Travelguard insurance :

Single trip TATA AIG Travelguard insurance

This is the most popular travel insurance policy offered by TATA AIG. This is applicable for travelers who are traveling for a fixed duration of time. This single trip travel insurance is available from a minimum of 2 days to an initial maximum of 6 months. You can renew the plan for another 6 months by providing a good health declaration, having no claims during the initial period and getting approval from the TATA AIG underwriting team. Any Individual traveler or family members traveling overseas can buy this single trip travel insurance. Travelers in the age group ranging from 6 months up to 70 years can get a coverage of either the TATA AIG silver plan ($50,000), TATA AIG silver plus plan ($100,000), TATA AIG gold plan ($250,000) or the TATA AIG platinum plan ($500,000). Older Travelers in the age group of more than 70 years can get a maximum coverage of $50,000.

TATA AIG Annual Multi-trip travel insurance

TATA AIG multi trip travel insurance is suitable for business people, working professionals or international travelers who travel overseas regularly. Here, you are purchasing international travel insurance coverage for a whole year, however each international trip is limited to either 30 or 45 days. TATA AIG multi trip plan is available in two variants. Silver plan ($50,000) and Gold plan ($250,000) with a 30 or 45 day slab days. Any traveler between the ages of 19 to 70 years can purchase this policy.

Asia guard travel insurance

TATA AIG Asia guard travel insurance is a plan specially designed for travelers traveling within Asian countries (excluding Korea and Japan) for a shorter duration of 14 days. It covers the traveler for medical expenses during their stay in Asian countries. TATA AIG Asia guard is available in two variants Silver plan ($50,000) and Gold plan ($200,000). Any traveler aged between 6 months to 70 years can buy this plan. However travelers above 70 and travelers going for longer duration can buy the regular single trip travel insurance mentioned above.

The TATA AIG Travel insurance is also offered in two variants depending on the coverage with or without sub-limits.

TATA AIG with Sub limits travel insurance

  • TATA AIG travel guard with sublimit plans have specific benefit limits for different covered medical expenses.
  • These are plans are cheaper when compared to plans without any sub-limits.
  • The distinction with or without sub-limits comes into effect only after the age of 56 years. For travelers less than 56 years all plans have no sub-limits.
  • Travelers between 56 and 70 years have an option of buying the plan with sub-limits with $50,000, $100,000, $250,000 and $500,000 maximum coverage.
  • 70 plus travelers can only buy a plan of $50,000 with sub-limits.

Let us look at this scenario to better understand the coverage with and without sub-limits.
Insurance Cover is $50,000
Deductible is $100 per medical claim
Your claim amount for medical expenses is $24,500
Here is a simple example showing how much the insurance policy pays for this claim:
Subtract the deductible from claims amount - $24,500 minus $100 equals $24,400. Insured bears $100.
The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.

Expense Amount billed Amount Insurance Pays Amount Insured has to pay from his pocket
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $1,500/day for 3 days $1,500
Surgery $17,000 $10,000 $7,000
Diagnostic and Pre-Admission Testing $800 $500 $300
Ambulance Services $600 $400 $200
Total: $24,500 $15,400 $9,100

TATA AIG without Sub limits travel insurance

  • TATA AIG travel guard without sublimit plans are comprehensive plans where in the eligible medical benefits are covered up to medical maximum.
  • These plans are more expensive but their coverage is more exhaustive.
  • Travelers 56 to 70 years have an option of buying the plan without sub-limits with $50,000, $100,000, $250,000 and $500,000 maximum coverage.
  • 70 plus travelers can buy a plan of $50,000 without sub-limits

Let us take one real time scenario where the insured is having a claim.
Insurance Cover is $50,000
Deductible is $100 per medical claim
Your claim amount for medical expenses is $24,500

Below is a simple calculation showing how much the plan/insurance company pays you:
Subtract the deductible from claims amount - $24,500 minus $100 equals $24,400. Insured bears $100.
The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.

Expense Amount billed Amount Insurance Pays Amount Insured has to pay from his pocket
Deductible $100 $0 $100
Days in hospital $2,000/day for 3 days $2,000/day for 3 days $0
Surgery $17,000 $$17,000 $0
Diagnostic and Pre-Admission Testing $800 $800 $0
Ambulance Services $600 $600 $0
Total: $24,500 $24,500 $100

TATA AIG travel insurance India, TATA AIG international travel insurance

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How to buy TATA AIG overseas travel insurance?

You can buy Travel Guard policy online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

TATA AIG traveler outside India
Traveler outside India

Travelers who have already traveled from India and do not have insurance can buy TATA AIG travel insurance online.

TATA AIG travel insurance premium chart
TATA AIG Travel Guard premium chart

Calculate the international travel insurance premium for Indian travelers and senior citizens travelling overseas

TATA AIG travel insurance claims
TATA AIG insurance claims

In case of Claim or reimbursement of treatment expenses, notify TATA AIG overseas travel insurance.

TATA AIG student travel insurance Brochure
TATA AIG travel insurance brochure

Download TATA AIG Travel Guard brochure online!

TATA AIG travel plan renewal
TATA AIG travel insurance renewal

Travel insurance customers can renew their existing policy online before the exipry date at any time.

Travel insurance from TATA AIG

What does TATA AIG travel insurance cover?


Medical expenses coverage

The plan covers for medical expenses due to accident and sickness while traveling outside India.


Checked baggage loss

Reimbursement for loss of checked in baggage.


Loss of Passport

Coverage for expenses incurred in obtaining a duplicate or new passport.


Sickness Dental Relief

The policy pays for immediate dental treatment occurring due to sudden acute pain during an overseas insured journey.


Personal liability

Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.


Hijacking

In the unfortunate event of the common carrier being hijacked, plan will pay a distress allowance.


Trip Delay

Reimbursement of additional expenses due to trip delay (only if the trip is delayed for more than 12 hours).


Personal Accident

Travel Guard gives worldwide coverage against Accidental Death and Dismemberment while abroad.


Baggage delay

Reimbursement for reasonable expenses incurred for purchase of emergency personal goods due to delay in arrival of checked in baggage while overseas.

Find out more about TATA AIG Travel Guard insurance

faq

Travel insurance FAQ's

Answers to FAQ related to TATA AIG Travel Medical Insurance for visitors from India.

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Travel insurance reviews

TATA AIG Travel Insurance Reviews - Customer experiences and testimonials.

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Popular travel destinations

TATA AIG travel insurance for popular travel destinations.

TATA AIG Travel insurance customer care

Travel insurance customer care

TATA AIG Travel insurance customer care information for Indians travelling overseas.

Travel health insurance from TATA AIG

You can find different sections of insurance types here.

  • Get best quotes for TATA AIG travel insurance for above 80 years old
  • Pre-existing coverage travel insurance
  • Parents travel insurance
  • Individual travel insurance
Senior citizen travel insurance India

Seniors above 80 years

TATA AIG Overseas medical insurance for senior citizens above 80 years.

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Pre-existing coverage insurance

Pre-existing coverage

TATA AIG travel insurance for pre-existing conditions.

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Parents Travel insurance

Parents travel insurance

International travel insurance for Indian parents overseas.

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overseas travel insurance

Individual travel insurance

TATA AIG individual overseas travel insurance online

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Resourceful TATA travel insurance links

travel
Overseas Travel Medical Insurance

TATA AIG travel insurance for Indians traveling overseas.

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Annual Multitrip
Annual Multitrip Insurance

Business travelers making multiple trips overseas annually can buy the annual multi trip travel insurance.

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Asia
Travel Asia Insurance

TATA AIG Asia Travel Guard insurance for Indians going to other Asian countries.

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Senior citizen travel insurance
Senior Citizen Travel Insurance

Senior travelers up to the age of 90 years can opt for TATA AIG travel insurance coverage.

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europe travel insurance
Schengen Visa Insurance

Applying for Schengen visa? Then this TATA AIG Schengen insurance is a good option to go for!

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Domestic travel insurance
Domestic Travel Insurance

Compare and buy TATA AIG domestic travel insurance.

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Customers Testimonials

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Health Insurance

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travel insurance

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domestic travel insurance

Get free quotes and buy Indian Domestic travel insurance plans offered by TATA AIG.

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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".

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