TATA AIG travel insurance for pre-existing conditions

Tata AIG’s Travel Guard Pre-existing Conditions Coverage

Quite often Indians travelling overseas look for insurance coverage for pre-existing conditions. Tata AIG has designed a product Travel Guard Plus insurance that offers coverage for pre-existing diseases under certain conditions:

• Covered under life threatening situations
• Reimbursement up to $20,000 based on the age and plan chosen for the expenses spent while treating an illness
• After the traveller becomes stable from the life threatening situation further expenses must be taken care of by the traveller

What are the coverage options under TATA AIG travel insurance pre existing conditions?

• SilverSilver PlusGoldPlatinumTitaniumTitanium PlusSenior
• Silver

  Benefits	Silver
  Sublimits	With sublimit / Without Sublimit
  Age	3 months - 70 years
  Destination	All countries covered, Excluding politically disturbed countries
  Sum Insured for Accident & Sickness	Up to $50,000 Deductible : $100
  Pre Existing Disease Coverage (only in case of life threatening conditions)	Up to $2,500
  Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured)	Up to $50,000 Deductible : $100
  Repatriation of Mortal Remains	Up to 25% of Accident & Sickness Sum Insured
  Accidental Death & Disablement (Overseas)	Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000
  Emergency Medical Dental Expenses	$300 Deductible : $50
  Delay of Checked-in Baggage	$40 Deductible : After 4 hours
  Loss of Checked-in Baggage	$200
  Loss of Passport	$250 Deductible : $25
  Trip Curtailment	$500 Deductible : $50
  Trip Cancellation	$500 Deductible : $50
  Missed Flight/Connection	$250
  Personal Liability	$100,000 Deductible : $200
  Bounced Hotel/Airline booking	$500 Deductible : $50
  Fraudulent Charges	Per Occurrence Limit $250; Maximum Limit $500
  Home Content Burglary (in INR)	₹50,000 Deductible : ₹5,000
  Accommodation Extension	$100 per day up to max of 10 days
  Emergency Extension of the Policy	7 days

  
  Sublimits applicable on Inpatient treatment / Day care treatment / Outpatient treatment:
  The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMITS'

  Medical Sublimit	Amount
  Hospital Room Rent and Boarding expenses	$1,500 per day up to 30 Days
  Emergency Room Services	$1,500
  ICU Charges	$3,000 per day up to 7 Days
  Surgical Treatment Expenses	$12,500
  	25% of Surgical Treatment Expenses for Anesthetist Services
  Physician Consultation Charges	$125 per day up to 10 visits
  Diagnostic Tests	Up to $750
  Ambulance Service (Not applicable for Outpatient Treatment)	Up to $500
  Pharmacy	Up to $2,000
  Miscellaneous Expenses	Up to $500
  Emergency Room Services	$27,500
  Non-Surgical (Medical Management cases)	$13,000

• Silver Plus

  Benefits	Silver Plus	Silver Plus Plan A	Silver Plus Plan B
  Sublimits	With sublimit / Without Sublimit	With sublimit / Without Sublimit	With sublimit / Without Sublimit
  Age	3 months - 70 years	3 months - 70 years	3 months - 70 years
  Destination	All countries covered, Excluding politically disturbed countries	Worldwide	Worldwide
  Sum Insured for Accident & Sickness	Up to $100,000 Deductible : $100	Up to $100,000 Deductible : $100	Up to $100,000 Deductible : $100
  Pre Existing Disease Coverage (only in case of life threatening conditions)	Up to $5,000	Up to $5,000	Up to $5,000
  Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured)	Up to $100,000 Deductible : $100	Up to $100,000 Deductible : $100	Up to $100,000 Deductible : $100
  Repatriation of Mortal Remains	Up to 25% of Accident & Sickness Sum Insured	Up to 25% of Accident & Sickness Sum Insured	Up to 25% of Accident & Sickness Sum Insured
  Accidental Death & Disablement (Overseas)	Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000	Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000	Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000
  Emergency Medical Dental Expenses	$400 Deductible : $50	$400 Deductible : $50	$400 Deductible : $50
  Delay of Checked-in Baggage	$40 Deductible : After 4 hours	-	$40 Deductible : After 4 hours
  Loss of Checked-in Baggage	$200	-	$200
  Loss of Passport	$250 Deductible : $25	-	$250 Deductible : $25
  Trip Curtailment	$500 Deductible : $50	-	$500 Deductible : $50
  Trip Cancellation	$500 Deductible : $50	-	$500 Deductible : $50
  Missed Flight/Connection	$250	-	$250
  Bounced Hotel/Airline booking	$500 Deductible : $50	-	$500 Deductible : $50
  Fraudulent Charges	Per Occurrence Limit $250; Maximum Limit $500	-	-
  Home Content Burglary (in INR)	₹50,000 Deductible : ₹5,000	-	-
  Accommodation Extension	$250 per day up to max of 10 days	-	-
  Hijack/Kidnap Daily Allowance	$75 for every 12 hours, up to max of 10 days	-	-
  Loss of International driving license	$100	-	-
  Flight Cancellation	$75	-	-
  Personal Liability	$100,000 Deductible : $200	-	-
  Emergency Extension of the Policy	7 days	-	-

  Sublimits applicable on Inpatient treatment / Day care treatment / Outpatient treatment:
  The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMITS'

  Medical Sublimit	Silver Plus	Silver Plus Plan A	Silver Plus Plan B
  Hospital Room Rent and Boarding expenses	$1,500 per day up to 30 Days	$1,500 per day up to 30 Days	$1,500 per day up to 30 Days
  Emergency Room Services	$1,500	$1,500	$1,500
  ICU Charges	$3,000 per day up to 7 Days	$3,000 per day up to 7 Days	$3,000 per day up to 7 Days
  Surgical Treatment Expenses	$12,500	$12,500	$12,500
  	25% of Surgical Treatment Expenses for Anesthetist Services	25% of Surgical Treatment Expenses for Anesthetist Services	25% of Surgical Treatment Expenses for Anesthetist Services
  Physician Consultation Charges	$125 per day up to 10 visits	$125 per day up to 10 visits	$125 per day up to 10 visits
  Diagnostic Tests	Up to $750	Up to $750	Up to $750
  Ambulance Service (Not applicable for Outpatient Treatment)	Up to $500	Up to $500	Up to $500
  Pharmacy	Up to $2,000	Up to $2,000	Up to $2,000
  Miscellaneous Expenses	Up to $500	Up to $500	Up to $500
  Emergency Room Services	$27,500	$27,500	$27,500
  Non-Surgical (Medical Management cases)	$13,000	$13,000	$13,000

• Gold

  Benefits	Gold	Gold Plan A	Gold Plan B
  Sublimits	With sublimit / Without Sublimit	With sublimit / Without Sublimit	With sublimit / Without Sublimit
  Age	3 months - 70 years	3 months - 70 years	3 months - 70 years
  Destination	All countries covered, Excluding politically disturbed countries	Worldwide	Worldwide
  Sum Insured for Accident & Sickness	Up to $250,000 Deductible : $100	Up to $250,000 Deductible : $100	Up to $250,000 Deductible : $100
  Pre Existing Disease Coverage (only in case of life threatening conditions)	Up to $10,000	Up to $10,000	Up to $10,000
  Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured)	Up to $250,000 Deductible : $100	Up to $250,000 Deductible : $100	Up to $250,000 Deductible : $100
  Repatriation of Mortal Remains	Up to 25% of Accident & Sickness Sum Insured	Up to 25% of Accident & Sickness Sum Insured	Up to 25% of Accident & Sickness Sum Insured
  Accidental Death & Disablement (Overseas)	Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000	Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000	Accidental Death: Maximum $15,000 Accidental Disablement: Maximum $15,000 Benefit Total - Maximum $15,000
  Emergency Medical Dental Expenses	$500 Deductible : $50	$500 Deductible : $50	$500 Deductible : $50
  Delay of Checked-in Baggage	$45 Deductible : After 4 hours	-	$45 Deductible : After 4 hours
  Loss of Checked-in Baggage	$300	-	$300
  Loss of Passport	$250 Deductible : $25	-	$250 Deductible : $25
  Trip Curtailment	$750 Deductible : $75	-	$750 Deductible : $75
  Trip Cancellation	$750 Deductible : $50	-	$750 Deductible : $50
  Flight Delay	$45 For all overseas flights taken during Insured Trip Deductible : After 4 hours	-	$45 For all overseas flights taken during Insured Trip Deductible : After 4 hours
  Personal Liability	$200,000 Deductible : $200	-	-
  Missed Flight/Connection	$500	-	$500
  Bounced Hotel/Airline booking	$750 Deductible : $75	-	$750 Deductible : $75
  Fraudulent Charges	Per Occurrence Limit $500; Maximum Limit $1000	-	-
  Home Content Burglary (in INR)	₹1,50,000 Deductible : ₹5,000	-	-
  Accommodation Extension	$300 per day up to max of 10 days	-	-
  Hijack/Kidnap Daily Allowance	$100 Per 12 hours, up to max of 10 days	-	-
  Loss of International driving license	$100	-	-
  Flight Cancellation	$75	-	-
  Emergency Extension of the Policy	7 days	-	-
  Loss of Personal Baggage	$200 Deductible : $30	-	-
  Personal Accident in India (in INR)	₹15,00,000	-	-

  Sublimits applicable on Inpatient treatment / Day care treatment / Outpatient treatment:
  The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMITS'

  Medical Sublimit	Gold	Gold Plan A	Gold Plan B
  Hospital Room Rent and Boarding expenses	$1,750 per day up to 30 Days	$1,750 per day up to 30 Days	$1,750 per day up to 30 Days
  Emergency Room Services	$1,750	$1,750	$1,750
  ICU Charges	$3,250 per day up to 7 Days	$3,250 per day up to 7 Days	$3,250 per day up to 7 Days
  Surgical Treatment Expenses	$13,000	$13,000	$13,500
  	25% of Surgical Treatment Expenses for Anesthetist Services	25% of Surgical Treatment Expenses for Anesthetist Services	25% of Surgical Treatment Expenses for Anesthetist Services
  Physician Consultation Charges	$175 per day up to 10 visits	$175 per day up to 10 visits	$175 per day up to 10 visits
  Diagnostic Tests	Up to $1,000	Up to $1,000	Up to $1,000
  Ambulance Service (Not applicable for Outpatient Treatment)	Up to $600	Up to $600	Up to $600
  Pharmacy	Up to $2,000	Up to $2,000	Up to $2,000
  Miscellaneous Expenses	Up to $500	Up to $500	Up to $500
  Emergency Room Services	$30,000	$30,000	$30,000
  Non-Surgical (Medical Management cases)	$15,000	$15,000	$15,000

• Platinum

  Benefits	Platinum	Platinum Plan A	Platinum Plan B
  Sublimits	With sublimit / Without Sublimit	With sublimit / Without Sublimit	With sublimit / Without Sublimit
  Age	3 months - 70 years	3 months - 70 years	3 months - 70 years
  Destination	All countries covered, Excluding politically disturbed countries	Worldwide	Worldwide
  Sum Insured for Accident & Sickness	Up to $500,000 Deductible : $100	Up to $500,000 Deductible : $100	Up to $500,000 Deductible : $100
  Pre Existing Disease Coverage (only in case of life threatening conditions)	Up to $10,000	Up to $12,500	Up to $12,500
  Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured)	Up to $500,000 Deductible : $100	Up to $500,000 Deductible : $100	Up to $500,000 Deductible : $100
  Repatriation of Mortal Remains	Up to 25% of Accident & Sickness Sum Insured	Up to 25% of Accident & Sickness Sum Insured	Up to 25% of Accident & Sickness Sum Insured
  Accidental Death & Disablement (Overseas)	Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000	Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000	Accidental Death: Maximum $25,000 Accidental Disablement: Maximum $25,000 Benefit Total - Maximum $25,000
  Emergency Medical Dental Expenses	$1,000 Deductible : $50	$1,000 Deductible : $50	$1,000 Deductible : $50
  Delay of Checked-in Baggage	$50 Deductible : After 4 hours	-	$50 Deductible : After 4 hours
  Loss of Checked-in Baggage	$300	-	$300
  Loss of Passport	$250 Deductible : $25	-	$250 Deductible : $25
  Trip Curtailment	$1,000 Deductible : $100	-	$1,000 Deductible : $100
  Trip Cancellation	$1,000 Deductible : $100	-	$1,000 Deductible : $100
  Flight Delay	$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours	-	$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours
  Personal Liability	$500,000 Deductible : $250	-	-
  Missed Flight/Connection	$750	-	$750
  Bounced Hotel/Airline booking	$1,000 Deductible : $100	-	$1,000 Deductible : $100
  Fraudulent Charges	Per Occurrence Limit $1000; Maximum Limit $2000	-	-
  Home Content Burglary (in INR)	₹2,50,000 Deductible : ₹5,000	-	-
  Accommodation Extension	$750 per day up to max of 10 days	-	-
  Hijack/Kidnap Daily Allowance	$150 Per 12 hours, up to max of 10 days	-	-
  Loss of International driving license	$100	-	-
  Flight Cancellation	$150	-	-
  Emergency Extension of the Policy	15 days	-	-
  Loss of Personal Baggage	$300 Deductible : $30	-	-
  Personal Accident in India (in INR)	₹20,00,000	-	-
  Compassionate Travel/Stay	Upto $3,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member	-	-
  Loss of Cash	$125	-	-

  Sublimits applicable on Inpatient treatment / Day care treatment / Outpatient treatment:
  The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMITS'

  Medical Sublimit	Platinum	Platinum Plan A	Platinum Plan B
  Hospital Room Rent and Boarding expenses	$2,000 per day up to 30 Days	$2,000 per day up to 30 Days	$2,000 per day up to 30 Days
  Emergency Room Services	$2,000	$2,000	$2,000
  ICU Charges	$3,750 per day up to 10 Days	$3,750 per day up to 10 Days	$3,750 per day up to 10 Days
  Surgical Treatment Expenses	$15,000	$15,000	$15,000
  	25% of Surgical Treatment Expenses for Anesthetist Services	25% of Surgical Treatment Expenses for Anesthetist Services	25% of Surgical Treatment Expenses for Anesthetist Services
  Physician Consultation Charges	$250 per day up to 10 visits	$250 per day up to 10 visits	$250 per day up to 10 visits
  Diagnostic Tests	Up to $1,500	Up to $1,500	Up to $1,500
  Ambulance Service (Not applicable for Outpatient Treatment)	Up to $750	Up to $750	Up to $750
  Pharmacy	Up to $2,000	Up to $2,000	Up to $2,000
  Miscellaneous Expenses	Up to $500	Up to $500	Up to $500
  Emergency Room Services	$35,000	$35,000	$35,000
  Non-Surgical (Medical Management cases)	$17,500	$17,500	$17,500

• Titanium

  Benefits	Titanium
  Sublimits	With sublimit / Without Sublimit
  Age	3 months - 60 years
  Destination	All countries covered, Excluding politically disturbed countries
  Sum Insured for Accident & Sickness	Up to $750,000 Deductible : $100
  Pre Existing Disease Coverage (only in case of life threatening conditions)	Up to $15,000
  Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured)	Up to $750,000 Deductible : $100
  Repatriation of Mortal Remains	Up to 25% of Accident & Sickness Sum Insured
  Accidental Death & Disablement (Overseas)	Accidental Death: Maximum $50,000 Accidental Disablement: Maximum $50,000 Benefit Total - Maximum $50,000
  Emergency Medical Dental Expenses	$1,000 Deductible : $50
  Delay of Checked-in Baggage	$50 Deductible : After 4 hours
  Loss of Checked-in Baggage	$400
  Loss of Passport	$500 Deductible : $25
  Trip Curtailment	$1,000 Deductible : $100
  Trip Cancellation	$1,000 Deductible : $100
  Flight Delay	$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours
  Personal Liability	$500,000 Deductible : $250
  Missed Flight/Connection	$750
  Bounced Hotel/Airline booking	$2,500 Deductible : $100
  Fraudulent Charges	Per Occurrence Limit $1,250; Maximum Limit $2,500
  Home Content Burglary (in INR)	₹500,000 Deductible : ₹5,000
  Accommodation Extension	$1,000 per day up to max of 10 days
  Hijack/Kidnap Daily Allowance	$150 Per 12 hours, up to max of 10 days
  Loss of International driving license	$150
  Flight Cancellation	$200
  Emergency Extension of the Policy	15 days
  Loss of Personal Baggage	$400 Deductible : $30
  Personal Accident in India (in INR)	₹2,500,000
  Compassionate Travel/Stay	Up to $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member
  Loss of Cash	$250
  Upgradation to Business Class	$750
  Rental Vehicle Cover	$500
  Rental Vehicle Return	$250
  Alternative Transport Expenses	$750
  Pandemic Cover	$500

  Sublimits applicable on Inpatient treatment / Day care treatment / Outpatient treatment:
  The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMITS'

  Medical Sublimit	Titanium
  Hospital Room Rent and Boarding expenses	$2,000 per day up to 30 Days
  Emergency Room Services	$2,000
  ICU Charges	$3,750 per day up to 10 Days
  Surgical Treatment Expenses	$15,000
  	25% of Surgical Treatment Expenses for Anesthetist Services
  Physician Consultation Charges	$250 per day up to 10 visits
  Diagnostic Tests	Up to $1,500
  Ambulance Service (Not applicable for Outpatient Treatment)	Up to $750
  Pharmacy	Up to $2,000
  Miscellaneous Expenses	Up to $500
  Emergency Room Services	$35,000
  Non-Surgical (Medical Management cases)	$17,500

• Titanium Plus

  Benefits	Titanium Plus
  Sublimits	With sublimit / Without Sublimit
  Age	3 months - 60 years
  Destination	All countries covered, Excluding politically disturbed countries
  Sum Insured for Accident & Sickness	Up to $1,000,000 Deductible : $100
  Pre Existing Disease Coverage (only in case of life threatening conditions)	Up to $20,000
  Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured)	Up to $1,000,000 Deductible : $100
  Repatriation of Mortal Remains	Up to 25% of Accident & Sickness Sum Insured
  Accidental Death & Disablement (Overseas)	Accidental Death: Maximum $75,000 Accidental Disablement: Maximum $75,000 Benefit Total - Maximum $75,000
  Emergency Medical Dental Expenses	$1,200 Deductible : $50
  Delay of Checked-in Baggage	$50 Deductible : After 4 hours
  Loss of Checked-in Baggage	$500
  Loss of Passport	$500 Deductible : $25
  Trip Curtailment	$1,500 Deductible : $100
  Trip Cancellation	$1,500 Deductible : $100
  Flight Delay	$50 For all overseas flights taken during Insured Trip Deductible : After 4 hours
  Personal Liability	$500,000 Deductible : $250
  Missed Flight/Connection	$750
  Bounced Hotel/Airline booking	$5,000 Deductible : $100
  Fraudulent Charges	Per Occurrence Limit $1,250; Maximum Limit $2,500
  Home Content Burglary (in INR)	₹500,000 Deductible : ₹5,000
  Accommodation Extension	$1,000 per day up to max of 10 days
  Hijack/Kidnap Daily Allowance	$200 Per 12 hours, up to max of 10 days
  Loss of International driving license	$150
  Flight Cancellation	$250
  Emergency Extension of the Policy	15 days
  Loss of Personal Baggage	$500 Deductible : $30
  Personal Accident in India (in INR)	₹5,000,000
  Compassionate Travel/Stay	Up to $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member
  Loss of Cash	$375
  Upgradation to Business Class	$1,000
  Rental Vehicle Cover	$500
  Rental Vehicle Return	$500
  Alternative Transport Expenses	$1,000
  Pandemic Cover	$500
  Hospital Daily Cash (Per Day)	$75 Per day, up to max of 10 days
  Missed Booking	$750
  Visa Rejection	$100

  Sublimits applicable on Inpatient treatment / Day care treatment / Outpatient treatment:
  The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMITS'

  Medical Sublimit	Titanium Plus
  Hospital Room Rent and Boarding expenses	$2,500 per day up to 30 Days
  Emergency Room Services	$2,500
  ICU Charges	$4,000 per day up to 10 Days
  Surgical Treatment Expenses	$22,500
  	25% of Surgical Treatment Expenses for Anesthetist Services
  Physician Consultation Charges	$350 per day up to 10 visits
  Diagnostic Tests	Up to $2,500
  Ambulance Service (Not applicable for Outpatient Treatment)	Up to $1,000
  Pharmacy	Up to $2,000
  Miscellaneous Expenses	Up to $500
  Emergency Room Services	$40,000
  Non-Surgical (Medical Management cases)	$20,000

• Senior

  Benefits	Senior	Senior Plus	Super Senior
  Sublimits	With sublimit / Without Sublimit	With sublimit / Without Sublimit	With sublimit / Without Sublimit
  Age	71-80 years	71-80 years	81+ years
  Destination	All countries covered, Excluding politically disturbed countries	All countries covered, Excluding politically disturbed countries	All countries covered, Excluding politically disturbed countries
  Sum Insured for Accident & Sickness	Upto $50,000 Deductible : $100	Upto $100,000 Deductible : $100	Upto $50,000 Deductible : $100
  Pre Existing Disease Coverage (only in case of life threatening conditions)	Upto $2,500	Upto $3,000	Upto $1,500
  Emergency Medical Evacuation (covered within Accident & Sickness Sum Insured)	Up to $50,000 Deductible : $100	Up to $100,000 Deductible : $100	Up to $50,000 Deductible : $100
  Repatriation of Mortal Remains	Upto 25% of Accident & Sickness Sum Insured	Upto 25% of Accident & Sickness Sum Insured	Upto 25% of Accident & Sickness Sum Insured
  Accidental Death & Disablement (Overseas)	Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000	Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000	Accidental Death: Maximum $10,000 Accidental Disablement: Maximum $10,000 Benefit Total - Maximum $10,000
  Emergency Medical Dental Expenses	$300 Deductible : $75	$500 Deductible : $75	-
  Delay of Checked-in Baggage	$40 Deductible : After 4 hours	$40 Deductible : After 4 hours	$40 Deductible : After 4 hours
  Loss of Checked-in Baggage	$200	$200	$200
  Loss of Passport	$250 Deductible : $25	$250 Deductible : $25	$250 Deductible : $25
  Trip Curtailment	$500 Deductible : $100	$500 Deductible : $100	$500 Deductible : $100
  Trip Cancellation	$250 Deductible : $50	$500 Deductible : $50	$250 Deductible : $50
  Flight Delay	$40 For all overseas flights taken during Insured Trip Deductible : After 4 hours	$40 For all overseas flights taken during Insured Trip Deductible : After 4 hours	$40 For all overseas flights taken during Insured Trip Deductible : After 4 hours
  Personal Liability	$1,00,000 Deductible : $200	$1,00,000 Deductible : $200	$1,00,000 Deductible : $200
  Missed Flight/Connection	$250	$250	$250
  Bounced Hotel/Airline booking	$500 Deductible : $50	$500 Deductible : $75	$250 Deductible : $50
  Home Content Burglary (in INR)	₹50,000 Deductible : ₹5,000	₹50,000 Deductible : ₹5,000	₹50,000 Deductible : ₹5,000
  Accommodation Extension	$50 per day upto max of 10 days	$100 per day upto max of 10 days	$50 per day upto max of 10 days
  Hijack/Kidnap Daily Allowance	$75 Per 12 hours, upto max of 10 days	$100 Per 12 hours, upto max of 10 days	$75 Per 12 hours, upto max of 10 days
  Loss of International driving license	-	-	-
  Flight Cancellation	-	$75	-
  Emergency Extension of the Policy	7 days	7 days	7 days
  Loss of Personal Baggage	-	$200 Deductible : $30	-
  Compassionate Travel/Stay	Upto $2,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member	Upto $5,000 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member	Upto $2,500 covering Return Fare and Stay for any person - Spouse / Child / Immediate Family Member

  Sublimits applicable on Inpatient treatment / Day care treatment / Outpatient treatment:
  
  The following medical sub limits are applicable for travelers older than 56 years. However these medical sublimits are not applicable for plans 'WITHOUT SUBLIMITS'

  Medical Sublimit	Senior	Senior Plus	Super Senior Plus
  Hospital Room Rent and Boarding expenses	$1,500 per day up to 30 Days	$1,500 per day up to 30 Days	$1,500 per day up to 30 Days
  Emergency Room Services	$1,500	$1,500	$1,500
  ICU Charges	$3,000 per day up to 7 Days	$3,000 per day up to 7 Days	$3,000 per day up to 7 Days
  Surgical Treatment Expenses	$12,500	$12,500	$12,500
  	25% of Surgical Treatment Expenses for Anesthetist Services	25% of Surgical Treatment Expenses for Anesthetist Services	25% of Surgical Treatment Expenses for Anesthetist Services
  Physician Consultation Charges	$125 per day upto 10 visits	$125 per day upto 10 visits	$125 per day upto 10 visits
  Diagnostic Tests	Up to $750	Up to $750	Up to $750
  Ambulance Service (Not applicable for Outpatient Treatment)	Up to $500	Up to $500	Up to $500
  Pharmacy	Up to $2,000	Up to $2,000	Up to $2,000
  Miscellaneous Expenses	Up to $500	Up to $500	Up to $500
  Emergency Room Services (Total)	$27,500	$27,500	$27,500
  Non-Surgical (Medical Management cases)	$13,000	$13,000	$13,000

How can I extend or renew my TATA AIG travel policy insurance while outside India?

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:

1. Filled & signed Good health declaration
2. Passport (first and last page & stamp page of the departure)
3. Air ticket copy of onward journey (traveled from India to overseas)