TATA AIG India Travel Medical Insurance - FAQ's

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TATA AIG Frequently Asked Questions

48. How will the hospitalization claims be settled?

Upon notification of the claim, the Assistance Company will get in touch with the treating doctor or hospital as necessary for obtaining details of treatment. After verification and processing that the claim falls within the scope of the policy the Assistance Company will take necessary steps for Guarantee of Payment (GOP) and subsequent settlement of bills.

A GOP is Guarantee of Payment to the hospital wherein the insured is being treated as an indoor patient. We require insured's kind cooperation in providing following details to our assistance company to proceed with the GOP to hospital.

Basic requirements are:

  1. Duly filled in authorization form from the treating Physician.
  2. Contact details of the Local Family Physician.
  3. Duly filled and signed Release Of Medical Information Form
In case where it is not possible to provide GOP to the insured it is advised to self pay the medical expenses and file the claim for reimbursement On submission of documents, claim shall be processed and decision on payability shall be taken accordingly.

Yes. Provided the same doesn't fall under the scope of pre-existing sickness/illness.

Some of the General exclusions are as follows:

  1. Where the Insured Person is traveling against the advice of a Physician; or receiving or on a waiting list for receiving specified medical treatment; or is traveling for the purpose of obtaining treatment; or has received a terminal prognosis for a medical condition; or
  2. Any Pre-existing Condition or any complication arising from it; or
  3. Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection; or
  4. Serving in any branch of the Military or Armed Forces of any country, whether in peace or War, and in such an event We, upon written notification by You, shall return the pro rata premium for any such period of service during the Trip; or
  5. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed; or
  6. Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion; or
  7. Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Airline; or
  8. Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; or
  9. Any loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss. The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to action taken in respect of any act of terrorism.

    If the Company alleges that by reason of this Exclusion, any loss, damage, cost or expenses is not covered by this insurance the burden of proving the contrary shall be upon the Insured.
  10. Any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Act of Terrorism; or
  11. The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; The dispersal or application of pathogenic or poisonous biological or chemical materials; The release of pathogenic or poisonous biological or Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which You are untrained
  12. The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
  13. Performance of manual work for employment or any other hazardous occupation, self exposure to needless peril (except in an attempt to save human life); or
  14. Congenital anomalies or any complications or conditions arising therefrom; or
  15. Participation in winter sports, skydiving/parachuting, hand gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any
  16. The Insured Person riding on a motorcycle or any other two wheeled motorized mode of conveyance as driver or as passenger.
  17. Any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy, or
  18. For any loss of which a contributing cause was Your actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or Your resistance to arrest; chemical materials, (However, the above only applies if 50 or more persons sustain death within 90 Days of the date of the incident)

No, there is no refund of premium for unused policy period for any of the travel guard polices in case of early return

Yes it will be covered. If the stay in the hospital room is less than 24 hours, then the insured has to bear and claim for reimbursement.In case if the stay exceeds 24 hours, then it will be covered hospitalization expenses and direct billing will be done by the insurance company.

Yes it covers emergency illness. If it is an outpatient the insured has to bear the expenses and claim for reimbursement. In case if the insured stays in the hospital for more than 24 hours then the insurance company does direct billing.

For travelers who are 56 years and above TATA AIG travel guard has two set of plans. One plan has sub-limits (which implies that there are limits for different medical benefits) and other plan without sub-limits (The medical maximum coverage is the limit, there are no limits for specific treatments within the medical maximum coverage). If the travelers buys a plan with sub-limits, then he/she gets restricted medical coverage for specific treatments according to the policy terms and conditions. If a customer buys a plan without sub-limits, there is no restriction on the medical expenses and is covered up to policy maximum. Plan with sublimits are cheaper than plan without sublimits.
Example: If a traveler purchases $50,000 coverage plan with sublimits. Then as per policy terms and conditions for one illness /accident medical expenses he will get the restricted medical cover as per the below grid.

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

However the above restriction is waived off if he buys the same $50,000 coverage plan without sublimits.

Yes, you can buy Tata AIG travel medical insurance with pre-existing condition at https://nriol.com/tata-aig/travel-insurance-pre-existing-condition.asp
Any disease, illness or sickness or injury that is occurred before the policy start date and treatment has taken or treatment is continuing on the policy start date is considered as pre-existing condition. Examples might be many. Some of the common are blood pressure, Diabetes, etc. You can get more details are https://nriol.com/tata-aig/travel-insurance-pre-existing-condition.asp
It all depends on the underwriting team and policy terms and conditions of how they view the declared pre-existing medical conditions.
Any medical condition for which treatment is taken or under treatment on the departure date is considered as pre-existing condition. If the customer is taking treatment for arthritis, then it will considered as pre-existing disease. It all depends on the underwriting team.
Tata AIG offers the MediCare line of health insurance plans for a comprehensive health cover for you and your loved ones. Our health insurance plans include a cover for pre-existing illnesses. However, the cover is activated after a waiting period of three years from the start of the policy tenure.

TATA AIG travel insurance India - Useful links

How to buy TATA AIG overseas travel insurance?

You can buy Travel Guard policy online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Traveler outside India

Travelers who have already traveled from India and do not have insurance can buy TATA AIG travel insurance online.


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TATA AIG Travel Guard premium chart

Calculate the international travel insurance premium for Indian travelers and senior citizens travelling overseas


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TATA AIG insurance claims

In case of Claim or reimbursement of treatment expenses, notify TATA AIG overseas travel insurance.


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TATA AIG travel insurance brochure

Download TATA AIG Travel Guard brochure online!



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TATA AIG travel insurance renewal

Travel insurance customers can renew their existing policy online before the exipry date at any time.


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What does TATA AIG travel insurance cover?

  • Medical expenses coverage
    • The plan covers for medical expenses due to accident and sickness while traveling outside India.

  • Checked baggage loss
    • Reimbursement for loss of checked in baggage.


  • Baggage delay
    • Reimbursement for reasonable expenses incurred for purchase of emergency personal goods due to delay in arrival of checked in baggage while overseas.

  • Loss of Passport
    • Coverage 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 the unfortunate event of the common carrier being hijacked, plan will pay a distress allowance.

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


  • Personal Accident
    • TravelGuard gives worldwide coverage against Accidental Death and Dismemberment while abroad.

  • Sickness Dental Relief
    • The policy pays for immediate dental treatment occurring due to sudden acute pain during 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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Thank you team for setting these claims so quickly. Indeed Kudos to you particularly & to Tata AIG for having such motivated people like you to serve them & as befitting to all Tata Companies known for the highest ethical standards. I am prompted to sing hosannas in the name of Tatas as I myself served from 1959 till my retirement from Tata Steel in 1996 & we are all guided by J N Tata's ideals translated into actual practice. May you and your fellow colleagues continue to practice this ideal.
- Krishnamachari
TATA AIG CITATION

Mr. Vikas Bagai, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 14 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG Travel insurance online".

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