TATA AIG Domestic Travel Insurance Plan

Why TATA AIG Domestic Travel Guard Policy

A joint venture of Tata Group and American International Group, this plan has been specially designed for those who can't get enough of India. While exploring the myriad cultures and landscapes of India, leaving your home brings its own set of difficulties to deal with. Thus it is highly recommended that you purchase sturdy domestic travel insurance to secure yourself along with your co-travelers.

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Having a domestic travel insurance plan may seem unneeded but given the uncertain times, it will protect you from many travel and medical emergencies. Online comparison can be made between Tata AIG Travel Insurance Plans with policies offered by other insurers as well on Policybazaar. It will help you to understand the benefits of this domestic travel policy.

Features & Benefits of TATA AIG Domestic Travel Guard Policy

This TATA AIG domestic travel guard policy has the following key benefits to offer you:

Instant Policy Purchase: The plan can be bought online without any extensive paperwork or medical check-up
Affordable Premium: With some policies costing you lesser than your favorite snack, you can travel anywhere in India without stress
Lucrative Add-ons: This TATA AIG domestic travel guard policy offers many optional covers to customize your plan
Multi-Trip Annual Plans: For those people traveling many times in a year, there are options to opt for a multi-trip domestic travel insurance plan so you don't need to purchase them every time!

Things to Know About TATA AIG Domestic Travel Guard Policy

Category	Specification
Eligibility	Any Indian traveling by bus, rail, or air
Plan Types	Annual Multi-trip and Single-trip plans are available
Instant Policy	Available, no medical checkup required
Benefits	Personal Liability Medical Evacuation Travel Assistance
Optional Add-ons	Accommodation charges due to trip delay Family transportation Missed departure Loss of air or rail ticket

Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

This policy can be purchased by anyone who is traveling in India. The policy also offers several add-on benefits including accommodation charges due to trip delay, Loss of air or rail ticket, family transportation, missed departure, replacement of staff, etc. The policy covers the insured individual along with their spouse and 2 dependents. It can be purchased for a single trip as well as a multi-trip domestic travel insurance plan.

Please note that the maximum number of add-ons cannot exceed the units of core benefits.

Inclusions under the TATA AIG Domestic Travel Guard Policy

Traveling in India comes with its own set of experiences. Thanks to this TATA AIG Domestic Travel Guard you won’t need to worry about the following things:

Accidental Death and Dismemberment Benefit: The policy will provide compensation if the insured suffers fatal injuries or total dismemberment while traveling in India
Travel Assistance: While traveling in a new city, in case of any emergency the policy will assist you to identify emergency travel services and relevant medical treatment centers
Personal Liability: While traveling, in case of accidents involving you if another person's property is damaged or the third-person party is injured then the policy will cover the necessary medical expenses and repairs.
Emergency Family Travel: In case the insured is hospitalized for an extended period of time then the insured will cover expenses for their immediate family to visit them. Any unused hotel charges because of hospitalization will also be reimbursed.
Emergency Accident Medical Expenses Reimbursement:–The insurer will provide coverage for medical expenses for treatment due to accidental injuries or diseases.
Missed Departure (Rail / Air): If your public transport services fail or the vehicle in which you are traveling meets with an accident then the policy will you for the cost of your actual ticket (air/train).
Accommodation Charges due to Trip Delay: The policy provides reimbursement for accommodation charges if your trip is delayed for more than 5 hours due to covered peril.
Loss of Tickets: In case your trip is hindered because of losing tickets then the insurer will reimburse you for the loss.
Emergency Medical Evacuation: The insurer will provide the insured's immediate transportation if their medical conditions warrant so. This may be done through any land, air, or water conveyance.

Exclusions under the TATA AIG Domestic Travel Guard Policy

Like most travel insurance plans, this TATA AIG domestic travel guard policy will not entertain any claims arising due to many reasons. Following are some exceptions:

If the insured is traveling against the advice of their doctor
If they have any pre-existing condition
Loss arising due to self-inflicted injuries, suicide, or attempted suicide
Damages sustained due to influence of alcohol, drugs, and other intoxicants
Damages sustained because of participating in illegal activities, criminal activities, riots, or civil commotion
Any loss that arises out of war or act of terrorism
Any anomalies arising due to participation in winter sports, skydiving, mountain climbing, driving, etc
Direct and indirect losses arising due to complications related to childbirth or pregnancy
In case of suicide, or attempt to suicide, mental or nervous disorder
Any nonmedical expenses

TATA AIG Domestic Travel Guard Policy Eligibility Criteria

Any Indian citizen traveling by air, road, or rail within India is eligible to buy this policy.

TATA AIG Domestic Travel Guard Policy - FAQs

Q: Does This Plan Provide the Facility of the Free-Look Period?

Ans: The facility of the free look period is available only in case of multi-trip insurance plans. If you are buying a single trip insurance then this facility will not be provided to you.
Q: If I'm Traveling to Another State, Will This Policy Cover Me?

Ans: TATA AIG domestic travel guard policy is applicable while traveling anywhere in India unless specified otherwise through the insurer. There may also be some restricted areas that will be specified, if any.
Q: Will this TATA AIG Domestic Travel Guard Policy Cover Expenses for My Cosmetic Surgery While I'm Traveling to Another City?

Ans: No, this policy only provides reimbursement for medical expenses that have been mentioned in the policy wordings. Any type of plastic or cosmetic surgery (except if it is caused as a result of an accident while your travel) will not be covered.
Q: How Can I Buy This Plan?

Ans: You can enroll in this insurance policy by visiting Policybazaar.com or the official site of the insurer. You can also buy this TATA AIG domestic travel guard policy offline by visiting their local branch near you. Don’t forget to compare different travel insurance plans at Policybazaar.com before buying one. In case of any confusion, you can also write to Policybazaar Insurance Broker Private Limited at care@policybazaar.com.