TATA AIG travel insurance plan without sub-limits

Tata AIG travel insurance plans covers pre-existing medical conditions for $20,000. 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.

A sub limit in travel insurance is a limitations / capping on certain benefits that the insurance plan which you purchased. These limitations may vary from one company to other and one plan to other plan. 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 given below.

No sub-limits means no limitations on the benefit coverage up to the policy medical maximum. 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 Travelers 56 years and above can get a waiver of sub limits of medical expenses as listed here.

Tata AIG travel insurance with sub limits work same as other plans. When travelers are older than 56 years, 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.