TATA AIG travel insurance plans
USD 50,000 / 1 Lakh / 2.5 Lakhs / 5 Lakhs / 7.5 Lakhs / 10 Lakhs
360 days
90 days to 99 years
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:
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 travel insuranceUnder this category of plans travellers purchase travel insurance for their forward journey and return journey. The policy duration can be any where between 2 days to 360 days. You can renew the policy if it has been bought for short duration by providing a good health declaration form, having no claims during the existing period and getting approval from the TATA AIG underwriting team. As we said above it markets the travel insurance under two brand categories, they are Tata AIG travel guard and Tata AIG travel guard plus plans.
Multi trip travel insuranceTATA 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 the slab days purchased.
Schengen travel insuranceTata AIG Schengen travel insurance is suitable for travellers travelling to Schengen countries. A minimum of $50,000 medical coverage which is eqivalent to 30,000 euros is enough to get the visa. However travellers can go for higher sum insured depending on their needs.
Asia travel insuranceTata AIG offers travel insurance to travellers who are travelling to Asian countries. Some developed countries like Japan and Koreas are excluding under this plan. This plan is offered under Tata AIG Asia guard plan segment. This can is available for shorter duration of travel.
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 |
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 |
| General information | Tata AIG travel guard | Tata AIG travel guard plus |
|---|---|---|
| Eligibility | 6 months to 99 years | 3 months to 99 years |
| Maximum coverage (USD) | 6 months to 70 years- $50,000, $1 Lakh, $2.5 Lakhs, $5 Lakhs 71 years to 80 years-$50,000 80+ years- $50,000 |
3 months to 70 years- $50,000, $1 Lakh, $2.5 Lakhs, $5 Lakhs, $7.5 Lakhs, $10 Lakhs 71 years to 80 years- $50,000 & $1 Lakh 80+ years- $50,000 |
| Policy duration | up to 180 days | up to 360 days |
| Destination covered | Worldwide | Worldwide |
| Add-on | No | Yes, adventure sports, cruise travel or car rental benefit can be purchased as an addon |
| Coverage for Pre-existing disease | up to $1,500 under life threatening conditions | up to $20,000 under life threatening conditions based on age and plan chosen |
| General information | Tata AIG travel guard | Tata AIG travel guard plus |
|---|---|---|
| Eligibility | 19 years to 70 years | 12 years to 80 years |
| coverage details | For age 19 years to 70 years Maximum coverage- $2.5 Lakhs & $5 Lakhs Slab days per trip- 30 & 45 days |
For age 12 years to 70 years Maximum coverage- $50,000 up to $10 Lakhs Slab days per trip- 30, 45, 60, 90, 120, 150, 180 days For age 71 years to 80 years Maximum coverage- $50,000 up to $1 Lakh Slab days per trip- 30 & 45 days |
| Destination covered | Worldwide | Worldwide |
| Add-on | No | Yes, adventure sports, cruise travel or car rental benefit can be purchased as an addon |
| Coverage for Pre-existing disease | up to $1,500 under life threatening conditions | up to $20,000 under life threatening conditions based on age and plan chosen |
| General information | Tata AIG Asia guard |
|---|---|
| Eligibility | 6 months to 70 years |
| Maximum coverage (USD) | $50,000, $1 Lakh, $2 Lakhs |
| Policy duration | up to 30 days |
| Destination covered | Asia excluding Japan & Koreas |
| Add-on | No |
| Coverage for Pre-existing disease | No |
You can buy Travel Guard Plus online by using a credit/debit card, UPI, 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 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.
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".
