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A newborn child will be covered after 6 month of birth.
Please click here to see the general exclusion.
We have two Assistance companies currently servicing Tata AIG on claims. AIG (AIG IS or AIG Assist) is the Assistance company in North & South America (including Canada) while International SOS (ISOS) is the Assistance company in Rest of the World.
Reimbursement & Cashless settlement.
Where in the insured himself settles hospital bills and subsequently prefers the claim on Tata AIG through the Assistance Company or directly with the company. Reimbursement of claims takes 7 working days on submission of complete documentation. This will be applicable for all Outpatient Claims.
AIG IS or ISOS will pay up to 100% of the claim to the hospital in case of hospitals in the preferred network (subject to deductibles under the policy conditions). The same will be done either by placing a Guarantee of Payment (GOP) or making a payment to the hospital. This will be applicable for all Inpatient Claims provided the same is Admissible under the policy.
AIG IS & ISOS enters into a Memorandum of Understanding with hospitals across the world to enable Cashless Hospitalization for the insured enlisted under the policy.
Planned & Emergency hospitalization.
Where in the hospitalization is scheduled for a future date either for treatment or surgery based on doctor's advice.
Where in the hospitalization occurs due to emergencies.
During discharge of the patient and on preparation of the final bill, all expenses that are not payable under the terms and conditions of the travel insurance policy will have to be paid by the patient to hospital. AIG IS & ISOS will directly pay the allowed expenses to the hospital.
The claims settlement shall be made by cheque payment which will be sent directly to the Insured’s address in India. Please furnish accurate details to ensure fast and efficient settlement of claims on the claims form.
The plan covers for medical expenses due to accident and sickness while traveling outside India.
Reimbursement for loss of checked in baggage.
Coverage for expenses incurred in obtaining a duplicate or new passport.
The policy pays for immediate dental treatment occurring due to sudden acute pain during an overseas insured journey.
Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.
In the unfortunate event of the common carrier being hijacked, plan will pay a distress allowance.
Reimbursement of additional expenses due to trip delay (only if the trip is delayed for more than 12 hours).
Travel Guard gives worldwide coverage against Accidental Death and Dismemberment while abroad.
Reimbursement for reasonable expenses incurred for purchase of emergency personal goods due to delay in arrival of checked in baggage while overseas.
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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.
Travelers who have already traveled from India and do not have insurance can buy TATA AIG travel insurance online.
Calculate the international travel insurance premium for Indian travelers and senior citizens travelling overseas.
In case of Claim or reimbursement of treatment expenses, notify TATA AIG overseas travel insurance.
Download TATA AIG Travel Guard brochure online!.
Travel insurance customers can renew their existing policy online before the exipry date at any time.
Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 16 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".