TATA AIG Annual Multitrip Travel Insurance

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Annual Multitrip insurance allows customers to travel outside India, anywhere in the world, any number of times during the coverage period (1 year). There are 2 annual multitrip plans available:
  • Gold - Maximum coverage of $250,000
  • Platinum - Maximum coverage of $500,000
Please read through TATA AIG travel insurance brochure for its policy wordings which explains the terms and conditions and plan benefits. The plan premium can be viewed at TATA AIG premium chart. You can renew/extend the plan using TATA AIG travel insurance extension on expiry.

  • Benefits
  • Eligible expenses
  • Exclusions
  • How to buy?

Coverage in US$ Gold ($250,000) Platinum ($500,000)
plus   Accident and Sickness Medical Expenses Reimbursement* $250,000 $500,000
ambulance   Accidental Death and Dismemberment Benefit(24 Hrs) $15,000 $25,000
clinic   Accidental Death and Dismemberment Benefit(Common Carrier) $5,000 $5,000
teeth   Sickness Dental Relief** $500 $1000
ambulance   Emergency Medical Evacuation Included under Accident and Sickness Medical Expenses Reimbursement Included under Accident and Sickness Medical Expenses Reimbursement
person   Repatriation of Remains Included under Accident and Sickness Medical Expenses Reimbursement Included under Accident and Sickness Medical Expenses Reimbursement
delay-bag   Baggage Delay Benefit (After first 12 hrs Only) $100 $200
person-with-lugg   Checked Baggage Loss Benefit# $1,000 $1,000
passport   Loss of Passport## $250 $250
person   Personal Liability### $200,000 $200,000
delay  Flight Delay^ $10 per 12 hours & maximum $100 $10 per 12 hours & maximum $100
aeroplane  Hijack^^ $100 per day & maximum $500 $100 per day & maximum $500
home  Home Burglary Rs. 2 Lakhs Rs. 2 Lakhs
dollar   Emergency Cash Advance $1,000 $1,500
Fraudulent   Fraudulent Charges (Payment Card Security) $1,000 $2,000
trip cancel   Trip Cancellation $750 (Deductible $75) $1000 (Deductible $100)
plane   Trip Curtailment $750 (Deductible $75) $1000 (Deductible $100)
gps   Missed Connection / Missed Departure $750 (Deductible 75) $1000 (Deductible 100)
Airline   Bounced Hotel / Airline booking $750 (Deductible 75) $1000 (Deductible 100)
* Accident and Sickness Medical Expenses Reimbursement - Deductible 0f $100
** Sickness Dental Relief - Deductible of $150
# 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 - Deductible of $30
### Personal Liability Benefits - Deductible of $200
^ Trip Delay - Deductible of 12 hrs. $10 per 12 hours & maximum $100.
^^ Hijack - Deductible of 1 day, $100 per day & maximum $500.

Following Maximum eligible expenses per Sickness or Disease are applicable to Insured Persons Aged 56 and above, regardless of the plan / option purchased.
Coverage Benefits
Hospital Room and Board and Hospital miscellaneous Max $1,500 per day upto 30 days whichever is less.
Intensive Care Unit Max $3,000 per day upto 7 days whichever is less.
Surgical Treatment Max $10,000
Anesthetist Services Upto 25% of Surgical Treatment
Physician’s Visit Max $75 per Day upto 10 visits
Diagnostic and Pre-Admission Testing Max $500
Ambulance Services Max $400

  • Medical Services provider referral
  • Arrangement of hospital admissions
  • Lost luggage assistance
  • Emergency Travel Services
  • Embassy referral services
  • Claims procedure information services

You are not covered if any expenses incurred directly or indirectly in respect of:

  • Traveling against the advice of a Physician
  • For obtaining treatment
  • Pre-existing ailments& complications arising out of them
  • Suicide or attempted suicide
  • War
  • Terrorism
  • Illegal Acts
  • Dangerous Sports etc.

For Other Exclusions please refer to the policy wordings.

Credit Card Purchase Procedure

You can purchase the policy online using a credit card from anywhere in the globe. Most of our customers purchase the policy from the United States, U.K , Australia, etc.. for parents or family members who are visiting from India. Customers can use international credit cards for purchasing. On completing the application and purchase using a credit card, you will receive an immediate acknowledgement of purchase. Within 24 to 48 hours, the insurance policy will be issued and emailed to the email ID provided in the application. The policy will also be couriered to the Indian address in the application.

Cheque Payment Purchase

For customers who do not want to use the online facility, payment can be made by cheques. Please email us for details.

Call us at +91(80)41101026 in India. Our Insurance Advisor will assist you and with our Advisor's guidance, you can choose the level of cover you require. This policy is available to Indian residents only.





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

 

Annual Multitrip Plan

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