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Senior citizen travel insurance by TATA AIG

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TATA AIG senior citizen travel insurance coverage for elderly Indians

Indian senior citizens who are traveling overseas to US, Europe, UK, Australia, Singapore… should understandably take extra precautions for their overseas travel. Quite often their international travel begins with a long arduous flight often with layovers in different airports. The different security checks itself are tiresome and add to overall fatigue. Beyond the journey, international travellers are exposed to a new environment with different weather conditions, new food and water. All of this can overwhelm any traveller, not only senior citizens. Seniors are also vulnerable as they can have weaker immune systems or can have an existing medical ailment flare up.

While traveling overseas can be exciting, being forced to visit a hospital outside India can be traumatic. In this context, one can reduce the anxiety while traveling overseas by purchasing reliable international travel insurance.
TATA AIG Travelguard insurance is very popular and is available for Indian senior citizen nationals up to the age of 99 years. The international travel medical insurance coverage for seniors up to the age of 70 years is $500,000 USD and after the age of 70 years is $50,000 USD. This policy also covers pre-existing conditions up to $1500 USD. There are two options for TATA AIG travel insurance for senior citizens, one plan with sub-limits which is cheaper and another comprehensive coverage without sub-limits which is more expensive.

This travel insurance for seniors is designed specifically to cover most the medical expenses. The medical insurance coverage includes pre-admission tests, ambulance services, physician visits, emergency medical evacuation, hospital room charges, ICU charges and surgical treatment. Along with medical coverage the insurance plans also considers troubles while travelling like baggage loss or delay, or the loss of passport. This insurance plan offers non-medical benefits like baggage loss, baggage delay, loss of passport, provides emergency cash advance cover as well as accidental death and dismemberment. Buying TATA AIG Travel insurance for seniors will reduce any financial and emotional stress in the event of any unforeseen situation.

Please read through TATA AIG travel insurance brochure for the benefits covered by the plan and its policy wordings which explains the terms and conditions. You can also complete an online TATA AIG Travelguard proposal form. You can get the complete quotes using the TATA AIG premium chart. You can renew/extend the plan using TATA AIG travel insurance extension on expiry.

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Coverage in US$ Senior Silver Deductible or Time
plus   Accident& Sickness Medical Expenses Benefits 50,000 100
ambulance   Emergency MedicalEvacuation Included under the benefit limit of accident & Sickness medical expense reimbursement Nil
person   Repatriation of Remains Included under the benefit limit of accident & Sickness medical expense reimbursement Nil
person-with-lugg   Baggage Loss (Checked Baggage) 500 Nil
delay-bag   Baggage Delay 50 After first 12 hours
passport   Loss of Passport 250 30
person   Personal Liability 1,00,000 200
dollar  Emergency Cash Advance 500 Nil
Note: Option of buying the policy without medical sublimits for the age above 56 years.

senior citizen travel insurance

TATA AIG senior citizen travel insurance for pre-existing conditions

Most of the senior citizens travelling overseas would have pre-existing conditions. TATA AIG travel guard insurance for senior citizens covers pre-existing conditions in case of life saving unforeseen emergency.

A pre-existing condition is any condition or sickness for which there were symptoms and/or diagnosed and/or received medical care within 48 hours before the start of the insurance plan. In this case the company would reimburse $1,500 per policy when the insured becomes medically fit or is cured from acute pain. The further related health care cost to recover or to prevent the onset of acute pain will be taken take care of by the insured and not the insurance plan

Travel tips for senior citizens overseas

Having someone from the family to help with the flight reservations is advisable. Do let your children book your tickets and make other travel reservations for you.


Always book a non-stop flight if possible to avoid missing flights and minimize travel time.


Try looking for senior discounts as some flights claim to offer them


While booking a flight it is better to choose the right disability option. The airlines may offer special assistance while travelling.


Travel during the right time of the day as the elderly travelers may get exhausted travelling at odd times.


It is advisable to have a family member travel with senior citizens who could help out with luggage and immigration


Carry light and sufficient luggage with things that are necessary and not unwanted substances.


Do not forget to carry all the required medications as some may not be available in the country you are visiting. Carrying a list of medicines and their dosages is also recommended.


Requesting a wheelchair at the airport as walking can be tiring


When senior visit you plan activities sparingly so that they always have time to relax and lie down.

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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

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