Covid19 travel insurance
TATA AIG TATA AIG Travel Insurance Plans
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USD 50,000/ 100,000/250,000/500,000
180 days( can be extended for further)
180 days to 99 years
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.
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....
Yes, TATA AIG travel insurance covers Covid19, if the traveler tests positive for Covid19 and has to receive medical treatment while traveling outside India. Medical expenses for Covid19 including hospitalisation will be covered as part of the eligible accident and sickness medical expenses.
If there are expenses incurred by the traveler for cancelling non-refundable hotel or ticket costs due to a positive covid diagnosis while the traveler is outside India, these expenses will be reimbursed as part of trip cancellation expenses. To be eligible, these non-refundable expenses should be incurred before testing positive for Covid.
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.
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 insuranceThis 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 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 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 insuranceTATA 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.
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 |
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
Travelers who have already traveled from India and do not have insurance can 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 overseas travel insurance.
Travel insurance customers can renew their existing policy online before the exipry date at any time.
The plan covers for medical expenses due to accident and sickness while traveling outside India.
Reimbursement for loss of checked in baggage.
Coverage for expenses incurred in obtaining a duplicate or new passport.
The policy pays for immediate dental treatment occurring due to sudden acute pain during an overseas insured journey.
Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.
In the unfortunate event of the common carrier being hijacked, plan will pay a distress allowance.
Reimbursement of additional expenses due to trip delay (only if the trip is delayed for more than 12 hours).
Travel Guard gives worldwide coverage against Accidental Death and Dismemberment while abroad.
Reimbursement for reasonable expenses incurred for purchase of emergency personal goods due to delay in arrival of checked in baggage while overseas.
Answers to FAQ related to TATA AIG Travel Medical Insurance for visitors from India.
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You can find different sections of insurance types here.
TATA AIG Overseas medical insurance for senior citizens above 80 years.
TATA AIG travel insurance for Indians traveling overseas.
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Business travelers making multiple trips overseas annually can buy the annual multi trip travel insurance.
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TATA AIG Asia Travel Guard insurance for Indians going to other Asian countries.
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Senior travelers up to the age of 90 years can opt for TATA AIG travel insurance coverage.
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Applying for Schengen visa? Then this TATA AIG Schengen insurance is a good option to go for!
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Compare and buy TATA AIG domestic travel insurance.
Know more & buy »I would highly recommend nriol.com and Tata AIG for travel insurance. The purchase process was simple, the people were helpful and the rates were competitive. But, most importantly, my claim was settled promptly without much bureaucracy.
Thanks a lot for the speedy response and sending me the policy pdf. This is very useful and will be helpful for my parent's travel. I really liked the quick customer service and very happy with the response.
Thank you very much for your amazing service and response. I am really satisfied with the service and support of NRIOL. This is the second time I have benefited from the excellent service of NRIOL. I would surely recommend NRIOL to anyone looking to buy insurance for travelling abroad.
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Know more »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".
