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India travel insurance plans with no sub-limts

The plan will cover the said benefit up to the plan maximum without any limitation. The customer only has to pay the specified deductible first followed by which the plan will cover.
Sublimits are usually a percentage of the maximum coverage or a specific amount of coverage.
Example: Plan without sublimit will cover hospital room rent, surgical treatment, ambulance and other expenses up to plan maximum.

What is the meaning of without sublimit or No sublimit in travel insurance?

In overseas travel medical insurance the No sublimit or without sublimit means the insurance company covers for your medical expenses up to the limit (policy maximum) mentioned in the policy schedule of the customer. In travel insurance, the limits or caping apply usually to the medical related expenses. If the customer is holding a policy which is comphrensive. Then he/she is covered up to the policy maximum for that eligible medical claim.

Let us understand in a better way with an example

Let us assume that you have travel medical insurance which covers $50,000 for your medical expenses without any medical sublimits.

There is a admissible claim with this policy of $15,000. The break up of medical expenses is listed below.

  • Xray and lab tests = $2,000
  • Surgery = $10,000
  • Room rent = $1,000 for 3 days
As you hold a policy with no sublimit and claim is payable, then the insurance company pays you 100% of the claim amount. While compared to other non comphrensive plans which have restricted coverage.

The following overseas travel insurance plans have no sublimits

TATA AIG student travel insurance
TATA AIG
 Travelers aged 6 months to 55 years Travelers aged 55-70 years Travelers aged 70 years and above
  • Silver ($50,000)
  • Silver Plus ($100,000)
  • Gold ($250,000)
  • Platinum ($500,000)
  • Silver Plan without sublimits ($50,000)
  • Silver Plus Plan without sublimits ($100,000)
  • Gold Plan without sublimits ($250,000)
  • Platinum Plan without sublimits ($500,000)
  • Silver Plan without sublimits ($50,000)
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