TATA AIG Travel Insurance

• TATA AIG International Travel Insurance Policy

  TATA AIG International Travel Insurance is basically international travel insurance that protects you from any unforeseen circumstances happening during overseas travel. Under this plan, you will simply have to contact the insurer and they will take care of everything in case of any untoward incident. International Travel Insurance Plans offer a lot of options to choose from:

  • Silver
  • Silver Plus
  • Gold
  • Platinum
  • Annual Multi-Trip Gold
  • Annual Multi-Trip Platinum

  These are available for individuals as young as 0.6 years up to 70 years. Following are the benefits offered by this plan:

  • Medical Expense Reimbursement: Policyholders can claim a reimbursement up to 50,000 to 2,500,000 USD while traveling abroad, depending on the type of plan they have opted for.
  • Sickness Dental Relief: In case of any complications or issues related to dental health, policyholders can claim a reimbursement up to 300-1,000 USD as per their plan.
  • Baggage Delay Reimbursement: In case your baggage is delayed due to some reason, you will be compensated for the inconvenience up to 50-500 USD as per your policy terms.
  • Loss of Passport: In cases where you misplace or lose your passport in a foreign country, you can get assistance and reimbursement up to 250 USD.
  • Reimbursements for Flight Delay: Depending on the policy opted for, you can claim compensation for the additional costs incurred due to delays in your flight. This benefit may not be offered in the Silver option and the TATA AIG International Senior Citizen Travel Insurance Plan.

• TATA AIG Domestic Travel Guard Policy

  TATA AIG Student Guard Plan is exclusively made for students who go abroad for higher studies. Individuals aged between 16 years and 35 years who are enrolling and attending a full-time registered educational institution of higher learning outside the Republic Of India. This policy can be renewed till the insured attains a completed age of 35 years post which the plan will not be renewed. 5 Plan options are available under this plan which Accident & Sickness Medical Expenses Reimbursement up to 50,000 USD, 100,000 USD, 250,000 USD, 500,000 USD, and 500,000 USD respectively:

  • Plan A
  • Plan B
  • Ultimate
  • Ultimate Plus
  • Supreme

  The policy offers coverage for claims arising due to Personal Accident, Sponsor Protection, Compassionate Visit (2-way) from family, Study Interruption, and Accident & Sickness reimbursement. There are certain Special Extensions to the Student Travel Guard Plans which are:

  • Coverage for Pre-existing Diseases
  • Childcare
  • Maternity Benefits
  • Treatment for Mental and Nervous Disorders which includes alcohol consumption and addiction to drugs
  • Cancer Screening and Mammography examinations
  • Physiotherapy

• TATA AIG Student Guard Overseas Health Insurance Policy

  Tata AIG Domestic Travel Guard Insurance Plan is designed only to cover the risks of traveling within India either by road, air, or rail. These are highly recommended as they provide financial protection for many common emergencies including trip cancellations, delays, accidents, or other mishaps. Read on to find the benefits of the TATA AIG Domestic Travel Insurance Guard Plan:

  • Medical Reimbursement: In case of any medical emergency, claim reimbursement of your medical expenses incurred from treatment of injuries up to Rs 20,000 caused due to an accident.
  • Accidental Death and Dismemberment Benefit: In case of an accident resulting in death, you can claim a reimbursement of Rs 50,000 through a common carrier.
  • Missed Departure either Air/ Rail: In case of an emergency or condition resulting in you missing departure for your trip, you can claim up to Rs 10,000 if you’ve opted for this benefit as an add-on.
  • Loss of tickets: In case of any situation that may cause you to misplace or lose your travel tickets, this add-on benefit lets you reimburse up to Rs 20,000.
  • Emergency Medical Evacuation: If an emergency requires you to be evacuated, then the policy will cover the expenses for your transportation and medical treatment. This includes all the medical services and supplies incurred with your emergency evacuation, up to a cost of 10,000 Rs.

  Please note that some benefits can only be availed if the policyholder has opted for those additional benefits. Here are some special add-on benefits to the TATA AIG Domestic Travel Guard Insurance Plan:

  • Lodging charges due to trip delay up to Rs 1500 per day
  • Family Transportation cost reimbursement up to Rs 10,000
  • Coverage of medical expenses in hospital  incurred due to accident
  • Reimbursement for reasonable additional expenses for the insured person. This replacement of staff add-on can be applied for business trips only
  • 15 days free look period (though applicable for only new business under annual multi-trip)
  • Enhancement of Sum Insured- The sum insured can be increased at the time of renewal. But this will be at the discretion of the company as per their underwriting rules and regulations (For renewals annual multi-trip only)

• TATA AIG Senior Citizen Travel Insurance Plan

  Age is just a number and everyone should get the benefits of a protective cover irrespective of their age. TATA AIG Senior Citizen Travel Guard protects all individuals who are over 71 years of age. These are especially different as they cover many age-related concerns that other plans don't. Their dedicated helpline is always available to make it easier for senior individuals to make their trips as comfortable and carefree as possible. Here are some benefits of the TATA AIG Senior Citizen Travel Insurance Plan:

  • Accidental & Sickness Medical Expense Reimbursement: While traveling abroad, in case of any medical emergency due to an accident or other health issues, you can claim up to USD 50,000 on your related medical supplies and diagnosis.
  • Sickness Dental Relief: In case of any dental issues while traveling abroad, you can get immediate financial assistance of up to USD 100.
  • Emergency Medical Evacuation: This service is included in the senior plan in case you are in any such medical situation which requires you to immediately be evacuated to India.
  • Personal Liability Benefit: In case of any situation resulting in third-party liabilities, senior plan policyholders can claim a reimbursement up to USD 1,00,000.

  Please note that claims with respect to flight delay and distress reimbursement due to hijacking are not included in the TATA AIG Senior Citizen Travel Insurance Guard.

FAQs

• Q1. What is the need for travel insurance?

  While on a  trip,  be it for a holiday or a business meeting, there may be some unexpected accidents that can ruin your perfect planning. For example,  baggage loss, passport loss, and medical emergencies. Having travel insurance helps you to enjoy a safe and secure environment while you are traveling. The policyholder is eligible to file the claim from anywhere in the world.

• Q2. When can I file the claim for Tata AIG Travel Insurance Policy?

  You can file a claim as soon as the policy is active the coverage begins. Travel insurance is very simple and easy to buy and its quick claim procedure makes it one of the best and most convenient insurance in the market.

• Q3. What happens if the time of the tour extends?

  In case the tour time is extended for some reason that is not under your control, you are eligible to get the coverage by your insurance company after submitting a fixed amount of additional premium. Make sure you contact your insurer and discuss all the details as soon as possible.

• Q4. What is the claim procedure for TATA AIG travel insurance policy?

  In case you meet with an accident, all you need to file a claim for your policy is to inform your insurance company about the mishap and sit back. They will get back to you as soon as possible. Tata AIG  Travel General Insurance Company has a 24x7 customer support system that helps the customer to get the status of their claim. It also offers reimbursement options that allow you to reimburse the medical expenses even if the accident takes place abroad.

• Q5. Is there a free Look-in period available in TATA AIG travel insurance plans?

  Ans: Tata AIG Travel Insurance provides a Look-in period allowing you to take the policy for a month. In case you are not satisfied with the product you can return it and get it refunded.

• Q6. Can I cancel my TATA AIG travel insurance policy between the policy tenure?

  Yes, it is allowed to cancel the policy between the policy tenure. It will be canceled in the case only when the policyholder has not undertaken the journey. Proofs are also required at the time when applying for cancellation, for example, a passport is required if you’re canceling your International policy.

• Q7. What documents are required at the time of filing the TATA AIG travel insurance claim?

  There are some common documents that are ]required for filing the claim.  These are:

  • Claim form
  • Bill, voucher, prescription, discharge summary with details like name, treatment done, and expenses incurred
  • The price and names of the medicines should be mentioned in the prescription

• Q8. Why should you opt for Tata AIG Travel Insurance plans?

  There are multiple benefits of Tata AIG travel insurance plans. Some of the best benefits of Tata AIG travel insurance:

  • Reimbursement
  • Accidental death benefit
  • Covers the lodging charges due to trip delay
  • Loss of tickets
  • Loss of baggage
  • Loss of passport
  • Medical assistance in case of emergency

• Q9. What are the modes of premium payment?

  There are two different modes of premium payment offered by the TATA AIG Travel Insurance namely cash payment that you can pay at the branch and another best and time-saving mode is an online payment which can be paid by means of credit card, debit card, and Net Banking.

• Q10. How to check the policy status for Tata AIG travel insurance?

  Ans: You can check the Tata AIG Travel Insurance Policy status very easily from the comfort of your home. All you need to do is register yourself on their website and log in with your username and password. This will give you all the information related to your travel insurance policy. You can also call the Toll-free number of TATA AIG Travel Insurance.  You can also check the status through Policybazaar instead at 1800-708-8787 and care@policybazaar.com.

• Q11. What is the renewal procedure of Tata AIG travel insurance plans?

  The renewal can be done online. This is one of the easiest and time-saving procedures to renew the Tata AIG Travel Insurance policy. The online mode of renewal process allows you to calculate the exact amount of premium and also offers a variety of payment modes, for example, Net banking or Debit or Credit payment.

  Step1: Enter your Tata Travel Insurance Policy Number, Expiry Date, and Client ID into Renew Online portal
  Step2: Calculate the premium for your travel insurance
  Step3: Select the online payment option –Net Banking or Debit/Credit Card
  Step4: Save/print the premium deposit receipt
  Alternatively, you can pay via cash/cheque at any of the nearest branches.

• Q12. What are the steps for Tata AIG Travel Insurance Claim Settlement?

  There are two ways for claim settlement: one is the traditional way in which the person has to visit the office with required documents to file the claim and another is through online medium. It allows you to save money and time both as it can be done from anywhere across the globe. You can register your claim online.

  The claims department will call you in 1 hour. Upon successful completion of formalities within 7 working days, the claim is settled.