Indian citizens and expatriates living overseas often have parents visiting them. While parents international travel consists of threats to health and life, to be on the safer side it is a good idea to have health insurance for overseas parents to receive quality medical treatment. Overseas health care is excellent but very expensive. The Indian domestic health insurance will not cover your parents outside India and parents are responsible for their expenses in case of medical emergency.
Also while applying for visa in countries like USA, UK, Australia, Europe (Schengen countries), Singapore… parents will have to show documents to prove that they can take care of all expenses while living in the visa applying country. Some parents may also have pre-existing illness which can distress them while abroad. Buying a good international travel insurance that covers pre-existing conditions can be liable for all medical expenses arising from receiving treatment in a healthcare center.
TATA AIG offers pre-existing conditions insurance for parents who are travelling from India to overseas / foreign countries under life threatening conditions only. The insured can reimburse from $1,500 upto to $20,000 based on the policy maximum chosen for which they have spent while receiving treatment of pre-existing illness under life threatening when they were in a foreign country.
Indian travelers who want to extend or renew TATA AIG travel insurance can complete the TATA AIG international travel insurance renewal request form online and we will try to get an approval for you.
The following documents are required for extending/renewing the policy:
Silver, Silver Plus, Gold, Platinum, Titanium, and Titanium Plus travel insurance plans are available with or without sublimit options, offering coverage for all countries except politically disturbed regions. The premium displayed for travelers traveling outside the USA
Senior, Senior Plus and Super Senior Plus travel insurance plans are available with or without sublimit options, offering coverage for all countries except politically disturbed regions.
The Tata AIG parents travel insurance cost per month starts at just ₹3,216 for coverage Worldwide Including USA & Canada. Tata AIG parents travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG parents travel insurance plan variants.
Tata AIG travel insurance for parents in USA & CanadaPlan Name | 50-60 years | 61-70 years | 71-75 years | 76-80 years | 81-85 years | 86-90 years | 91-98 years | 99 years |
---|---|---|---|---|---|---|---|---|
Silver $50,000 | ₹3,216 | ₹6,175 | - | - | - | - | - | - |
Silver Plus $100,000 | ₹3,553 | ₹7,156 | - | - | - | - | - | - |
Gold $250,000 | ₹4,593 | ₹8,768 | - | - | - | - | - | - |
Platinum $500,000 | ₹5,102 | ₹9,403 | - | - | - | - | - | - |
Titanium $750,000 | ₹6,406 | - | - | - | - | - | - | - |
Titanium Plus $1,000,000 | ₹7,543 | - | - | - | - | - | - | - |
Senior $50,000 | - | - | ₹9,097 | ₹12,998 | - | - | - | - |
Senior Plus $100,000 | - | - | ₹12,571 | ₹17,922 | - | - | - | - |
Super Senior $50,000 | - | - | - | - | ₹25,504 | ₹40,975 | ₹51,634 | ₹103,396 |
The Tata AIG parents travel insurance cost per month starts at just ₹1,466 for coverage Worldwide Excluding USA & Canada. Tata AIG parents travel insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Tata AIG parents travel insurance plan variants.
Tata AIG travel insurance for parents outside USA & CanadaPlan Name | 50-60 years | 61-70 years | 71-75 years | 76-80 years | 81-85 years | 86-90 years | 91-98 years | 99 years |
---|---|---|---|---|---|---|---|---|
Silver $50,000 | ₹1,466 | ₹2,874 | - | - | - | - | - | - |
Silver Plus $100,000 | ₹1,811 | ₹3,674 | - | - | - | - | - | - |
Gold $250,000 | ₹2,142 | ₹4,174 | - | - | - | - | - | - |
Platinum $500,000 | ₹2,515 | ₹4,699 | - | - | - | - | - | - |
Titanium $750,000 | ₹2,991 | - | - | - | - | - | - | - |
Titanium Plus $1,000,000 | ₹3,625 | - | - | - | - | - | - | - |
Senior $50,000 | - | - | ₹5,845 | ₹7,202 | - | - | - | - |
Senior Plus $100,000 | - | - | ₹6,604 | ₹9,352 | - | - | - | - |
Super Senior $50,000 | - | - | - | - | ₹13,936 | ₹23,842 | ₹32,511 | ₹55,490 |
Tata AIG travel insurance international plus covers elderly parents traveling overseas for their unforeseen emergency medical and non-medical expenses. The medical emergencies might be due to any sickness or an accident. Non-medical expenses might be for example like trip cancellation, baggage loss, delay and more.
Keeping in mind the age of your parents and health issues during the old age, getting a comprehensive health insurance cover for your parents is necessary while visiting abroad.
Comprehensive travel insurance, such as Tata AIG international travel plus for seniors are preferred for parents traveling abroad as they offer adequate coverage and benefits ideal for older travelers.
Yes, Tata AIG travel insurance is a well-known insurance company worldwide. It has well connected networks in overseas. The relevant numbers are printed in the policy document which you can use while using the policy.
Tata AIG travel insurance has to be purchased before your parents travel from India to overseas. If it just couple of days, then you can try by filling the traveler outside form. Once you fill the form, our insurance advisors will get in touch you to try and help you to get insurance.
The key benefits covered under this plan can be put forward as below:
Yes, COVID-19 or other infectious diseases are covered as any other illness as per the policy terms and conditions.
The coverage for pre-existing varies with age group of your parents and sum insured opted for.
For exampleTata AIG travel insurance for elderly parents come with the option of with and without medical sublimits. The plan with sublimits are cheaper as they have capping on certain benefits like room rent, ICU charges, surgery costs and more. While without sublimits provide more flexibility in expense allocation within the overall sum insured. It is better to choose without sublimit plan as it gives comprehensive cover for your parents.
Yes, Tata AIG travel insurance cover pre-existing conditions for parents under life threatening situations only. The amount of coverage depends on the age of the parents and coverage chosen. The medical conditions will be covered as per policy terms and conditions. To buy this plan please click here.
Tata AIG travel insurance international plus covers pre-existing medical conditions under life-threatening situations only. There is no list of diseases saying these are excluded. These plans includes acute pain relief for diseases or accidents arising from pre-existing conditions. Any treatment taken to maintain stable conditions or prevent onset of acute pain is excluded. Please go through the terms and conditions before you purchase the policy.
To buy travel insurance for your parent’s international trip, you need not submit any documents or reports. Keep the below information in front of you while buying policy.
The cost of Tata AIG travel insurance for parents depends on their age, destination of travel and duration of travel.
For exampleFollow the step by step process to buy the policy for parents online.
Yes, you can renew your parents policy while they are abroad online by following simple steps.
Yes, Tata AIG is a well known insurance company worldwide. Depending on the emergency either before visiting the hospital or immediately after admitting your parent, get in touch with Tata AIG claims department and they will arrange for the cashless treatment. Your parent is covered as per the policy terms and conditions.
In this example, Tata AIG travel insurance for parents covers only life-threatening complications from diabetes up to the limit mentioned in the policy document. Regular check-ups and routine diabetes management are excluded.
Regular check-ups and routine medication related to high BP are not covered. Any medical condition related to high blood pressure is critical , then it will be covered. The company goes by the doctor's report to decide whether it was life threatening or not.
As per the terms and conditions of the policy you purchased for your parents, this benefit will be covered up to the limit mentioned in the policy document.
For exampleAs per the terms and conditions of the policy you purchased for your parents, this checked-in baggage benefit will be covered up to the limit mentioned in the policy document.
For exampleBeing old, it is advisable for parents to do some planning before leaving India. This includes counseling about the health care treatment and prevention of health threats while overseas.
Visit the doctor to get opinion on the travel precautions and health care. If you have pre-existing conditions carry necessary medications.
While travelling it is necessary to drink lots of water it will keep them hydrated. It is advisable to carry less baggage so it will be easy to move around. Carrying unwanted luggage can be burdensome.
Try to take care of your health overseas, stay warm, and avoid eating food that doesn’t suit you. Do not do anything that can result in sickness or accident.
Take copies of travel documents, passports, tickets, extra pair of glasses, medical prescriptions and doctor’s advice.
You can buy Travel Guard Plus online by using a credit/debit card, direct funds transfer, NEFT or RTGS or by a cheque.
Travelers already outside India without insurance? We can try to get special approval to buy TATA AIG travel insurance online.
Calculate the TATA AIG international travel insurance premium for Indian travelers and senior citizens travelling overseas.
In case of Claim or reimbursement of treatment expenses, notify TATA AIG toll free and helpline.
Download TATA AIG Travel Guard Plus brochure online!
Travel insurance customers can renew their existing policy online before the exipry date at any time.
TATA AIG travel insurance for older travellers above 70 years.
International travel insurance for Indian parents overseas.
TATA AIG travel insurance for pre-existing conditions.
TATA AIG overseas mediclaim insurance for older travelers above 80 years.
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".