TATA AIG Travel Medical Insurance for Indian Travelers - Frequently Asked Questions

• What is Travel Insurance Policy?
• What is the policy period?
• How do you define a trip?
• How long does it take to get the policy?
• Can I get the list of countries covered under including and excluding Americas?
• What is the percentage of the claim payable and whether it will be taxed?
• What are the sub-limits prescribed by the policy?
• Can we visit ANY hospital or Doctor in US/Non-US in case of sickness?
• Do we pay first and then get reimbursed in India or TATA-AIG will pay all the expenses at the time of treatment?
• In order to utilise the insurance, should I intimate the insurance prior to visiting the Dr. or hospital?
• What is the time frame within which the claim intimation has to be made?
• Are there any restrictions on the hospital where the treatment should be taken?
• Is it necessary to visit a particular hospital?
• Does it pay for medicines (not preexisting)?
• In case of reimbursements how much time it takes?
• Do I get a refund of a part of the premium if I return before the coverage date ends?
• The policy document says “Automatic extension of the policy up to 7 days”! Does it mean the insured is in the grace period and he/she is automatically covered for those days after the last date of the policy?
• Is the sum insured mentioned under each category applicable to all members traveling on the policy and is there any restriction on number of claims?
• Is a newborn child covered from day one under the Group Travel Policy?
• What are the exclusions under the scheme?
• Age Limits and Coverage
• Who are the Assistance Companies for Overseas Travel Insurance?
• What are services of AIG IS & ISOS?
• What are the two types of claim settlements?
• What do you mean by Reimbursement claim settlement?
• What do you mean by Cashless claim settlement?
• What do you mean by Network Hospitals?
• What are the two types of Cashless hospitalization?
• What do you mean by Planned hospitalization?
• What do you mean by Emergency hospitalization?
• Who to contact during emergency cashless hospitalization at AIG IS or ISOS for assistance?
• How is deductible of $100 deduction applicable in case of Cashless hospitalization?
• How is reimbursement claim settled?
• Whom to contact for queries/clarification/claim settlement at Tata AIG?
• When does the cover commence?
• Can I extend the policy?
• Do I have to undergo a medical examination?
• What do I do if the trip is cancelled?
• What do I do if the trip is postponed?
• Does Baggage delay benefit is covered during the return journey?
• Does the policy covers Checked out baggage loss benefit during forward and return journey?
• What do I do if I meet with an accident or sickness abroad?
• If I make the payment will I get a reimbursement?
• Do I necessarily have to contact the assistance company in case of an emergency?
• What is cashless hospitalization?
• Circumstances under which a Request for Cashless Hospitalisation can be denied?
• What about Claims relating to Travel Emergencies?
• Is there any refund of premium on travel guard policies in case of early return?
• If I take a room in a hospital? Will it covered?
• Does this policy covers emergency illness?
• How will the hospitalization claims be settled?
• What are the basic requirements for obtaining a GOP? How is it done?
• Does it cover emergence surgery, by-pass, and angioplasty if needed?
• What are the exclusions of the policy?

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