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TATA AIG comprehensive visitor insurance plan without sub-limits

Buy TATA AIG travel insurance with no sublimts
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Overview

TATA AIG travel guard insurance plan now includes comprehensive coverage even for older travelers. Most Indian overseas mediclaim insurance plans offer comprehensive coverage (without sublimits) only up to a certain age. After this threshold age, most "travel insurance plans have sublimits", which means older travel insurance coverage is very limited.

TATA AIG has introduced the travel guard insurance plan without sublimits for senior citizens and is available up to the age of 99 years. This 'no sub-limit' plan is more expensive but offers comprehensive coverage which can make all the difference in case of a huge medical expense while outside India. The TATA AIG visitor insurance plan also provides coverage for Pre existing conditions in life threatening conditions up to USD 1,500.

TATA AIG 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 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 »

Does TATA AIG travel insurance cover Covid19?

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.

TATA AIG student travel insurance

No medical check up

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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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TATA AIG travel insurance India, TATA AIG international travel insurance

buy TATA AIG travel insurance How to buy TATA AIG 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 Asia 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 travel insurance Brochure TATA AIG Asia 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.

Individual travel insurance

Individual Travel Insurance

Individual travel insurance plans are designed for individual travelers both traveling overseas from India or for domestic travel within India.

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Family Travel Insurance

A Family refers to an Individual, individuals spouse, children and parents. Family travel insurance offers medical coverage for all members of the family.

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Annual Multitrip Insurance

Buy Multitrip corporate travel insurance for business travelers offered by TATA AIG.

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TATA AIG travel health insurance for Senior citizens

Seniors above 80 years

TATA AIG overseas mediclaim insurance for older travelers above 80 years.

Pre-existing coverage

TATA AIG travel insurance for pre-existing conditions.

Parents travel insurance

International travel insurance for Indian parents overseas.

TATA AIG overseas insurance FAQ's

How much does TATA AIG travel insurance cost?

Tata AIG travel insurance cost varies with insurance coverage, age, duration of travel, destination and whether the insurance has sub-limits or not. Travelers who opt for the TATA AIG travel guard without sublimits have to pay more when compared to tata aig travel guard with sub limits insured plans. However having no sub-limits provides significantly higher coverage.

Unfortunately only the sub-limits plans are available for senior citizens. However they can get a waiver of benefits and get full benefits coverage by paying additional premium.

Tata AIG travel insurance plans covers pre-existing medical conditions for $1,500. They cover pre-existing medical conditions under life threatening conditions.

In simple terms, a sub-limit is a monetary cap that TATA AIG places on your medical insurance claim for certain covers. They are usually expressed as a fixed value for a particular illness/disease/treatment but can also be included as a percentage of the total sum insured. A sub limit in travel insurance is a limitations / capping on certain benefits that the insurance plan which you purchase. The sub limits in Tata AIG travel insurance plans apply for travelers 56 years and above. The Tata AIG travel guard with sub limits plan are as below.

  • For Hospital Room rent, Board and Hospital miscellaneous. The policy holder will get benefit of $1,500 per day up to 30 days
  • For Intensive Care Unit. The policy holder will get benefit of $3,000 per day up to 7 days.
  • For Surgical Treatment. The policy holder will get benefit of maximum $10,000
  • For Anesthetist Services. The policy holder will get benefit of up to 25% of Surgical Treatment.
  • For Physician's Visit. The policy holder will get benefit of $75 per day up to 10 visits
  • For Diagnostic and Pre-Admission Testing. The policy holder will get benefit of up to $500
  • For Ambulance Charges. The policy holder will get benefit of maximum $400.

TATA AIG travel insurance plan without sub-limits allows you to avail coverage up to the sum insured limit without any limits within that amount. You do not need to check that the medical expenses, such as room rent and ambulance charges, are within the reimbursable limit of the policy before getting treated in a hospital.

No sub-limits means no limitations on the benefit coverage. The benefit is covered up to the maximum mentioned. Tata AIG travel insurance plans have this feature where the insured can waive off the limitations by paying additional premium and get complete coverage up to the policy maximum. For example

Sublimits are extra limitations in an insurance policy's coverage of certain losses. They are part of the original limit. That is, they do not provide extra coverage, but set a maximum to cover a specific loss. Sublimits can be expressed as a dollar amount or as a percentage of the coverage available.

Tata AIG travel insurance with sub limits work same as other plans. When travelers cross the age of 56 years and above, then the plans puts a capping / limitations on certain benefit coverage like for room rent, surgery, ambulance, tests, ICU and more. When a policy holder makes a medical claim.

Then company pays only the agreed limited amount and not up the policy maximum. For example you have a policy with medical sub limits. You have a surgery with a bill of $12,000 only for surgery and it is approved for claims settlement. Then the company pays you only $10,000 as per the policy plan. However you can waive off these sub limits by paying additional premium.

TATA AIG overseas travel medical insurance has coverage restrictions starting from the age of 56 years and above. Below is the table of medical restrictions regardless of the plan / option purchased at the inception of the policy and its subsequent renewals, if applicable

  1. Hospital Room and Board and Hospital miscellaneous - Max $1,500 per day up to 30 days whichever is less.
  2. Intensive Care Unit - Max $3,000 per day up to 7 days whichever is less.
  3. Surgical Treatment - Max $10,000
  4. Anaesthetist Services – Up to 25% of Surgical Treatment
  5. Physician's Visit - Max $75 per Day up to 10 visits
  6. Diagnostic and Pre-Admission Testing - Max $500
  7. Ambulance Services - Max $400

These medical sub limits can be waived off by paying an additional premium and s/he is covered up to the policy maximum.

You can renew the TATA AIG policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.

Yes you can extend your travel insurance while being abroad. Fill the TATA AIG insurance policy renewal form so that our insurance advisors will help you to renew your policy.

Below 70 year old Travel policies can initially be purchased for 6 months and can be renewed for another 6 months provided that the policy holder is in good health, no claims on the existing policy and the policy has not expired. If the policy has expired or has any claims then renewal is based on approval from the insurance head office.

However for 70+ travel policies the sum total number of policy days included subsequent renewals cannot exceed 180 days.

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

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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.

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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 travel insurance for over 80 years old
  • Pre-existing coverage travel insurance
  • Parents travel insurance
  • Individual travel insurance
Travel insurance India senior citizens

Seniors above 80 years

TATA AIG overseas insurance for older travelers 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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Individual travel insurance

TATA AIG individual overseas travel insurance online

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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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