Overseas mediclaim insurance for older travelers

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Please contact us at +91-80-41101026 or email us if you need insurance coverage for more than 180 days.

Key features

  • No medical tests required
  • Senior Citizens up to 99 years
  • Pay in Rupees for coverage in US Dollars
  • Renewal available up to a total of 180 days
  • No Sublimits plans available
  • Covers Pre-existing conditions.
Please Note
  • Available up to the age of 99 years
  • Plan is renewable if the sum total number of travel days does not exceed 180 days
  • Pre-existing medical conditions are covered only in life threatening situations up to $1,500. There are two plan options available, one with sub-limits which is cheaper and another without any sub-limits which is more expensive.
  • Refer TATA AIG travel insurance brochure for detailed plan benefits and its policy wordings which explains the terms and conditions.
  • View the premium calculator at TATA AIG premium chart and You can also complete an online TATA AIG Travelguard proposal form.
  • When the plan expire the renewal/extension of the plan can be done by filling TATA AIG travel insurance extension form.
  • Benefits
  • Features
Coverage in US$ Senior Plan With Sublimits Senior Plan Without Sublimits Deductible
plus   Accident& Sickness Medical Expenses Benefits 50,000 50,000 100
dollar   Sub Limits under Accident & Sickness Medical Expenses Below Medical Limitations applicable Medical Limitations waived off  
hospital   Hospital Room and Board and Hospital miscellaneous Maximum 1,500 per day upto 30 days whichever is less. Covered up to 50,000 Nil
hospital  Intensive Care Unit Maximum 3,000 per day upto 7 days whichever is less. Covered up to 50,000 Nil
surgery  Surgical Treatment Maximum 10,000 Covered up to 50,000 Nil
hospital  Anaesthetist Services Upto 25% of Surgical Treatment Covered up to 50,000 Nil
doctor  Physician’s Visit Maximum 75 per Day upto 10 visits Covered up to 50,000 Nil
note-pad  Diagnostic and Pre-Admission Testing Maximum 500 Covered up to 50,000 Nil
ambulance  Ambulance Services Maximum 400 Covered up to 50,000 Nil
Other Benefits
ambulance   Accidental Death and Dismemberment Benefit 10,000 10,000 Nil
ambulance   Emergency Medical Evacuation Included in medical expenses Included in medical expenses Nil
person   Repatriation of Remains Included in medical expenses Included in medical expenses Nil
dental   Sickness Dental Relief 300 300 150
person-with-lugg   Baggage Loss (Checked Baggage) 500
50% per bag / 10% per item
50% per bag / 10% per item
delay-bag   Baggage Delay 50 50 12 hours
passport   Loss of Passport 250 250 30
person   Personal Liability 100,000 100,000 200
dollar  Emergency Cash Advance 500 500 100

To ensure quality health care in America, TATA AIG has partnered with UnitedHealth Group, one of the leading Health Care network providers in the United States. This gives our customers access to United Healthcare network of quality hospitals and best physicians in USA.

Limitations :

  • Pre-existing Condition or any complication arising from it in a Life saving unforeseen emergency condition would be reimbursed up to $1500 per policy.
  • Accident & Sickness Medical Expense is limited to $10000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable.
  • Accidental Death and Dismemberment Benefit is limited to $5000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable
  • Accidental Death and Dismemberment Benefit is limited to 10% of Principal Sum Insured for Insured Person with age 17 years or below.
  • Coverage of Medical Expenses
    • Travel Guard takes care of your medical expenses due to accident and sickness while traveling so that you can concentrate on better things like enjoying the holiday.

  • Checked baggage loss
    • Compensation for the loss of checked in baggage.

  • Baggage delay
    • Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.

  • Loss of Passport
    • Compensation for expenses incurred in obtaining a duplicate or new passport.

  • Personal liability
    • Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

  • Hijacking
    • In an unfortunate event of your common carrier in which you are travelling; being hijacked, this product will pay a distress allowance to you.

  • Trip Delay
    • Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).

  • Personal Accident
    • Insurance gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.

  • Sickness Dental Relief
    • The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.

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