TATA AIG Senior Citizen Travel Insurance
TATA AIG Senior Citizen Travel Insurance - Features
- The 70+ traveller should be accompained by a traveller who is below 70 years throughout the journey.
- Maximum duration of coverage is for 120 days.
- Maximum coverage for above 70 years is US$10,000 per ailment.
Please Click Here to buy the policy for the traveler who is less than 70 years.
After buying the policy for traveler below 70 years, please click here to buy the policy for 70+ traveler.
TATA AIG Senior Citizen Travel Insurance - Benefits
| Benefits/Maximum Coverage |
Silver |
Gold |
Platinum |
| Sum(s)insured in US$ |
AD& D (24 Hrs)?Accidental Death and Dismemberment Benefit(24 Hrs)
The policy will pay the insured Principal Sum shown in the Policy Schedule if Injury to The insured results in loss of life and a percentage of the Principal Sum shown in the Policy Schedule if Injury to The insured results in losses of hands, legs, ears & eyes. The loss must occur under the circumstances described in a Hazard within 365 Days from the date of the Accident which caused Injury.
If more than one loss results from any one Accident, only one amount, the largest, will be paid. |
10,000 |
15,000 |
25,000 |
Accident& Sickness Medical Expenses Reimbursement*?Accident & Sickness Medical Expenses
The policy will pay The insured the Reasonable and Customary Charges, subject to the Deductible shown in the Policy Schedule, for Covered Medical Expenses incurred overseas by The insured for medical services which are not due to a Pre-existing Condition up to the maximum amount and benefit period stated in the Policy Schedule for the treatment of an Injury or Sickness sustained by The insured under the circumstances described in a Hazard during an Insured Journey while this Policy is in effect.
|
10,000 |
10,000 |
10,000 |
Sickness Dental Relief**?Emergency Sickness Dental Expense
The insurance company pays benefits for the Reasonable and Customary Charges, subject to the Deductible, shown in the Policy Schedule, actually incurred if as a result of sudden acute pain, which occurs without warning to one or more of Insured’s Sound Natural Teeth requiring Immediate Dental Treatment under circumstances described in a Hazard during the course of an overseas Insured Journey.
Covered emergency dental expenses are those incurred overseas, under the circumstances described in a Hazard during the Insured Journey within 30 Days of date of the first treatment. |
300 |
400 |
500 |
Emergency MedicalEvacuation***?Emergency Medical Evacuation
The insurance company pays the Reasonable and Customary Charges up to the maximum shown in the Policy Schedule for covered expenses incurred under the circumstances described in a Hazard during the course of an overseas Insured Journey if, Injury or Sickness results in Your necessary Emergency evacuation. An Emergency Evacuation must be ordered by the Assistance Company or a Physician who certifies that the severity or the nature of insured’s Injury or Sickness warrants insured’s Emergency Evacuation. |
Included |
Included |
Included |
Repatriation of Remains***?Repatriation of Remains
Means the Assistance Company agrees to make the necessary arrangements for the return of the insured’s remains to India in the event that the insured died while this service agreement is in effect as to the insured. |
Included |
Included |
Included |
Baggage Loss (Checked Baggage)#?Checked Baggage Loss Benefit
The insurance company will pay benefits, in the case of permanent loss of an entire piece of Checked Baggage, held in the care, custody and control of a Common Carrier, due to theft or due to misdirection by a Common Carrier or due to non- delivery at its destination while The insured is a ticketed passenger on the Common Carrier under the circumstances described in a Hazard during the course of an Insured Journey. Benefits will only be payable in case of the loss of an entire piece of checked baggage, and not for damage to the luggage or partial loss of its contents.
The insurance company will reimburse The insured, subject to the Deductible and up to the maximum shown in the Policy Schedule, for the cost of replacement of the entire baggage and its contents. All claims must be verified by the Common Carrier. |
500 |
1,000 |
1,000 |
Baggage Delay (After first 12 hrs Only)?Baggage Delay Benefit (After first 12 hrs Only)
The insurance company will reimburse The insured for the expense of necessary personal effects, up to the maximum stated in the Policy Schedule, if The insured’s Checked Baggage is delayed or misdirected by a Common Carrier under the circumstances described in a Hazard during the course of an Insured Journey for more than the Deductible shown on the Policy Schedule from the time The insured arrive at the destination stated on insured’s ticket. Benefits will be reduced by the amount paid or payable by the responsible Common Carrier. |
50 |
100 |
200 |
Loss of Passport##?Loss of Passport
The insurance company will reimburse The insured, subject to any Deductible, if The insured lose passport under the circumstances described in a Hazard during the course of an Insured Journey and incur necessary and reasonable expenses in connection with obtaining a duplicate or new passport up to the maximum stated in the Policy Schedule. The Deductible, if any, shall apply to each insured event and shall be borne by the insured. |
250 |
250 |
250 |
Personal Liability###?Personal Liability
If a claim is made or a suit is brought against The insured for Property Damage caused by an overseas Occurrence to which this coverage applies, The insurance company pays up to the maximum amount stated in the Policy Schedule, subject to any applicable Deductible, for the company’s limit of liability for the damages for which The insured’s are legally liable. |
100,000 |
200,000 |
200,000 |
Trip Delay^?Trip Delay
The insurance company will reimburse Reasonable Additional Expenses for Trip Delay, subject to the maximum shown in the Policy Schedule, if under the circumstances described in a Hazard during the course of an Insured Journey insured’s Trip is delayed for more than 12 hours due to a Covered Hazard. Benefits are subject to the per day maximum shown in the Policy Schedule. |
N/A |
Included |
Included |
Hijack^^?Hijack
The insurance company pays The insured a distress allowance as shown in the Policy Schedule for every 24 hour period during which any Common Carrier in which The insured traveling has been Hijacked under the circumstances described in a Hazard during the course of an Insured Journey, where as a direct consequence, The Insured’s Journey has been disrupted up to the maximum amount stated in the Policy Schedule. |
N/A |
Included |
Included |
In-Hospital Indemnity^^^?In-Hospital Indemnity Benefit
The insurance company pays a Daily Benefit for each Day The insured’s are an Inpatient in a Hospital due to Injury or Sickness subject to any applicable Deductible or Franchise shown in the Policy Schedule, that occurs overseas and commences under the circumstances described in a Hazard during the course of an Insured Journey and while this Policy is in effect. The Period of Confinement must be Medically Necessary and recommended by a Physician. The total benefits provided for any One Period of Confinement are subject to the In-Hospital maximum shown in the Policy Schedule. |
N/A |
N/A |
N/A |
Automatic extension of policy up to 7 days?Automatic extension of policy upto 7 days
Automatic extension of the period of insurance is granted up to a period of 7 days, from the policy expiry date, if the extension is necessary, due to delay by the Scheduled Airlines, which is beyond the control of the insured, and no alternative air transportation is made available to the insured. |
Available |
Available |
Available |
Emergency Cash Advance?Emergency Cash Advance
The Assistance Company will arrange for cash payments to The insured through a variety of sources, including credit cards, hotels, banks, consulates and Western Union. The Assistance Company provides this service to supplement the facilities of insured’s credit cards. Credit card transactions performed by the Assistance Company are subject to confirmed credit. |
500 |
1,000 |
1,500 |
* Accident and Sickness Medical Expenses Reimbursement - Deductible 0f $100
** Sickness Dental Relief - Dedutible of $150
*** Included under the benefit limit of Accident and Sickness Medical Expenses Reimbursement
# Maximum amount to be reimbursed per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) insured
## Loss of passport benefit - Dedutible of $30
### Personal Liability Benefits - Dedutible of $200
^ Trip Delay - Dedutible of 12 hrs. $10 per 12 hours & maximum $100.
^^ Hijack - Dedutible of 1 day, $100 per day & maximum $500.
^^^ In - Hospital Indemnity - Dedutible of 1 day, $15 per day & maximum $150.
|
