TATA AIG Travel Insurance for Pre-Existing Medical Conditions (2026)
TATA AIG travel insurance provides coverage for life-threatening pre-existing medical conditions for Indian travellers travelling abroad. Plans start from ₹29/day*, with coverage up to $1 million and instant policy issuance.
Starting Premium
₹29/day*
Available for travelers
3 Months – 99 Years
Coverage Available
Upto $1,000,000
Pre-existing condition coverage
Upto $20,000?
Duration
360 Days
1 Lakh+ travellers
20+ years expertise
24/7 support available
TATA AIG Travel Medical Insurance Cost Calculator
Tata AIG Travel Insurance for Pre-Existing Conditions – An Overview
Planning an international trip with a pre-existing medical condition can make medical coverage an important part of your travel plans. TATA AIG Travel Insurance provides coverage for life-threatening situations arising from pre-existing medical conditions during your trip abroad, subject to the terms and conditions of the policy.
For Indian travellers, TATA AIG offers international travel insurance plans with medical coverage and other travel benefits. Understanding what is covered, the applicable limits, and the policy conditions can help you choose suitable travel insurance before your journey.
Does TATA AIG Travel Insurance Cover Pre-Existing Conditions?
Yes, TATA AIG Travel Insurance can provide coverage for life-threatening situations arising from pre-existing medical conditions during an overseas trip, subject to the policy terms, conditions, exclusions and applicable limits.
Which Travel Insurance Plan Is Right for Your Pre-Existing Condition Coverage?
- Silver - $50,000: Essential medical coverage with up to $5,000 for eligible pre-existing condition coverage.
- Silver Plus - $100,000: Higher medical coverage with up to $10,000 for eligible pre-existing conditions.
- Gold - $250,000: $250,000 in medical coverage with up to $12,500 for eligible pre-existing conditions.
- Platinum - $500,000: $500,000 in medical coverage with up to $12,500 for eligible pre-existing conditions.
- Titanium - $750,000: $750,000 in medical coverage with up to $15,000 for eligible pre-existing conditions.
- Titanium Plus - $1,000,000: Up to $1 million in medical coverage with up to $20,000 for eligible pre-existing conditions.
How Much Does TATA AIG Travel Insurance for Pre-Existing Conditions Cost in 2026?
TATA AIG Travel Insurance with pre-existing condition coverage starts from ₹29/day*. Plan premiums vary based on the coverage selected, with available medical coverage ranging from $50,000 to $1,000,000.
| Plan | Medical Cover | Pre-existing Conditions | Trip Cancellation | Starting Premium |
|---|---|---|---|---|
| Silver Plan | $50,000 | Up to $2,500 | $500 |
₹29/day* |
| Silver Plus Plan | $100,000 | Up to $5,000 | $500 |
₹35/day* |
| Gold Plan | $250,000 | Up to $10,000 | $750 |
₹38/day* |
| Platinum Plan | $500,000 | Up to $12,500 | $1,000 |
₹48/day* |
| Titanium Plan | $750,000 | Up to $15,000 | $1,000 |
₹53/day* |
| Titanium Plus | $1,000,000 | Up to $20,000 | $1,500 |
₹64/day* |
*Price shown is for a 60-day trip to Singapore for an adult aged 35. Premiums vary by age, trip duration & destination. Get an instant quote for your trip.
Choosing the Right TATA AIG Pre-existing Plan
What Is the Cheapest TATA AIG Travel Insurance for Pre-Existing Conditions in 2026?
The TATA AIG Silver Plan starts at ₹29/day*. It provides overseas medical and travel coverage, including eligible coverage for life-threatening pre-existing medical conditions, subject to policy terms and conditions.
- check_circle Coverage up to $50,000
- check_circle Emergency evacuation $50,000
- check_circle Personal liability $100,000
Which TATA AIG Plan Offers the Highest Coverage for Pre-Existing Conditions?
The TATA AIG Titanium Plus Plan offers up to $1,000,000 in medical coverage, including up to $20,000 for eligible life-threatening pre-existing conditions. Premiums start from ₹64/day*, subject to policy terms and conditions.
- check_circle Coverage up to $250,000
- check_circle Emergency evacuation $250,000
- check_circle Personal liability $200,000
What Is a Pre-Existing Condition?
The pre-existing condition means any sickness / illness, which existed prior to the effective date of the insurance including whether or not the insured had knowledge that symptoms were related to the sickness / illness. Complication arising from a pre-existing condition will also be considered part of the pre-existing condition. Some examples of existing ailments could be diabetes, asthma, a heart condition, blood pressure, cancer. The coverage for a recurrence of these existing ailments is limited, please be aware of the exact coverage when you buy the policy.
Tata AIG Travel Insurance Covering Pre Existing Conditions
- Tata AIG travel insurance covers life-threatening pre-existing conditions for all age groups.
- Travelers aged 3 months to senior citizens of any age are eligible to purchase this plan.
- Coverage limits for pre-existing conditions vary based on the traveler’s age and selected policy.
What is a "Life-Threatening Emergency"?
A life-threatening emergency means a medical condition suffered by the Insured Person, which is potentially fatal, and if left untreated can lead to death.
The treatment for these emergency measures would be paid till the time Insured Person become medically stable or is relieved from acute pain. All further medical cost to improve or maintain medically stable state or to prevent the onset of acute pain would be borne by Insured Person. The liability is payable as per terms and conditions of the policy document.
Example: If you’re hospitalized for a heart attack abroad, TATA AIG will cover emergency treatment and stabilization costs. Once your condition is under control and no longer critical, further treatment (like long-term medication) won’t be covered. The insurance company goes by the doctors report to decide whether your treated medical condition was life threatening or not. The liability is paid as per terms and conditions of the policy.How Does Tata AIG Cover Pre-Existing Conditions?
For example- With the Plan, If you’re 45 years old, you can get up to $20,000 coverage for pre-existing conditions only in case of life-threatening situation with a $1,000,000 policy maximum.
- With the Plan, If you’re 77 years old, you can get up to $3,000 coverage with a $100,000 policy maximum, making it a great option for travel insurance over 70 pre existing conditions only in case of life-threatening situation.
Pre-Existing Disease Coverage Under TATA AIG Travel Insurance Plans
TATA AIG offers several Travel Insurance plans - Silver, Silver Plus, Gold, Platinum, Titanium, Titanium Plus, and Senior - that include limited coverage for pre-existing diseases in life-threatening emergencies only.
| Benefits | Silver |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 3 months - 70 years |
| Destination | All countries covered, Excluding politically disturbed countries |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $50,000 |
| Pre Existing Disease Coverage (only in case of life threatening conditions) | Up to $2,500 |
| Emergency Medical Evacuation | Up to $50,000 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Accidental Death: Maximum $10,000; Accidental Disablement: Maximum $10,000; Benefit Total - Maximum $10,000 |
| Emergency Medical Dental Expenses | $300 |
| Delay of Checked-in Baggage | $40 |
| Loss of Checked-in Baggage | $200 |
| Loss of Passport | $250 |
| Trip Curtailment | $500 |
| Trip Cancellation | $500 |
| Missed Flight/Connection | $250 |
| Benefits | Silver Plus | Silver Plus Plan A | Silver Plus Plan B |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 3 months - 70 years | 3 months - 70 years | 3 months - 70 years |
| Destination | All countries covered, Excluding politically disturbed countries | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $100,000 | Up to $100,000 | Up to $100,000 |
| Pre Existing Disease Coverage (life threatening only) | Up to $5,000 | Up to $5,000 | Up to $5,000 |
| Emergency Medical Evacuation | Up to $100,000 | Up to $100,000 | Up to $100,000 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Maximum $10,000 each; Benefit Total - Maximum $10,000 | Maximum $10,000 each; Benefit Total - Maximum $10,000 | Maximum $10,000 each; Benefit Total - Maximum $10,000 |
| Emergency Medical Dental Expenses | $400 | $400 | $400 |
| Delay of Checked-in Baggage | $40 | - | $40 |
| Loss of Checked-in Baggage | $200 | - | $200 |
| Loss of Passport | $250 | - | $250 |
| Trip Curtailment | $500 | - | $500 |
| Trip Cancellation | $500 | - | $500 |
| Missed Flight/Connection | $250 | - | $250 |
| Benefits | Gold | Gold Plan A | Gold Plan B |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 3 months - 70 years | 3 months - 70 years | 3 months - 70 years |
| Destination | All countries covered, Excluding politically disturbed countries | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $250,000 | Up to $250,000 | Up to $250,000 |
| Pre Existing Disease Coverage (life threatening only) | Up to $10,000 | Up to $10,000 | Up to $10,000 |
| Emergency Medical Evacuation | Up to $250,000 | Up to $250,000 | Up to $250,000 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Maximum $15,000 each; Benefit Total - Maximum $15,000 | Maximum $15,000 each; Benefit Total - Maximum $15,000 | Maximum $15,000 each; Benefit Total - Maximum $15,000 |
| Emergency Medical Dental Expenses | $500 | $500 | $500 |
| Delay of Checked-in Baggage | $45 | - | $45 |
| Loss of Checked-in Baggage | $300 | - | $300 |
| Loss of Passport | $250 | - | $250 |
| Trip Curtailment | $750 | - | $750 |
| Trip Cancellation | $750 | - | $750 |
| Flight Delay | $45 for all overseas flights taken during Insured Trip | - | $45 for all overseas flights taken during Insured Trip |
| Personal Liability | $200,000 | - | - |
| Missed Flight/Connection | $500 | - | $500 |
| Benefits | Platinum | Platinum Plan A | Platinum Plan B |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 3 months - 70 years | 3 months - 70 years | 3 months - 70 years |
| Destination | All countries covered, Excluding politically disturbed countries | Worldwide | Worldwide |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $500,000 | Up to $500,000 | Up to $500,000 |
| Pre Existing Disease Coverage (life threatening only) | Up to $10,000 | Up to $12,500 | Up to $12,500 |
| Emergency Medical Evacuation | Up to $500,000 | Up to $500,000 | Up to $500,000 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Maximum $25,000 each; Benefit Total - Maximum $25,000 | Maximum $25,000 each; Benefit Total - Maximum $25,000 | Maximum $25,000 each; Benefit Total - Maximum $25,000 |
| Emergency Medical Dental Expenses | $1,000 | $1,000 | $1,000 |
| Delay of Checked-in Baggage | $50 | - | $50 |
| Loss of Checked-in Baggage | $300 | - | $300 |
| Loss of Passport | $250 | - | $250 |
| Trip Curtailment | $1,000 | - | $1,000 |
| Trip Cancellation | $1,000 | - | $1,000 |
| Flight Delay | $50 for all overseas flights taken during Insured Trip | - | $50 for all overseas flights taken during Insured Trip |
| Personal Liability | $500,000 | - | - |
| Missed Flight/Connection | $750 | - | $750 |
| Benefits | Titanium |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 3 months - 60 years |
| Destination | All countries covered, Excluding politically disturbed countries |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $750,000 |
| Pre Existing Disease Coverage (life threatening only) | Up to $15,000 |
| Emergency Medical Evacuation | Up to $750,000 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Maximum $50,000 each; Benefit Total - Maximum $50,000 |
| Emergency Medical Dental Expenses | $1,000 |
| Delay of Checked-in Baggage | $50 |
| Loss of Checked-in Baggage | $400 |
| Loss of Passport | $500 |
| Trip Curtailment | $1,000 |
| Trip Cancellation | $1,000 |
| Flight Delay | $50 for all overseas flights taken during Insured Trip |
| Personal Liability | $500,000 |
| Missed Flight/Connection | $750 |
| Benefits | Titanium Plus |
|---|---|
| Sublimits | With sublimit / Without Sublimit |
| Age | 3 months - 60 years |
| Destination | All countries covered, Excluding politically disturbed countries |
| Sum Insured for Accident & Sickness Medical Expenses | Up to $1,000,000 |
| Pre Existing Disease Coverage (life threatening only) | Up to $20,000 |
| Emergency Medical Evacuation | Up to $1,000,000 |
| Repatriation of Mortal Remains | Up to 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Maximum $75,000 each; Benefit Total - Maximum $75,000 |
| Emergency Medical Dental Expenses | $1,200 |
| Delay of Checked-in Baggage | $50 |
| Loss of Checked-in Baggage | $500 |
| Loss of Passport | $500 |
| Trip Curtailment | $1,500 |
| Trip Cancellation | $1,500 |
| Flight Delay | $50 for all overseas flights taken during Insured Trip |
| Personal Liability | $500,000 |
| Missed Flight/Connection | $750 |
Overseas Travel Insurance for Senior Citizens from India
TATA AIG offers dedicated senior citizen overseas travel insurance plans for Indian travellers aged 71 to 99 years. These are the most comprehensive overseas travel insurance for senior citizens from India, with medical coverage up to $100,000 and pre-existing condition protection for life-threatening situations - no medical tests required, instant policy issuance.
| Benefits | Senior | Senior Plus | Super Senior |
|---|---|---|---|
| Sublimits | With sublimit / Without Sublimit | With sublimit / Without Sublimit | With sublimit / Without Sublimit |
| Age | 71-80 years | 71-80 years | 81+ years |
| Destination | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries | All countries covered, Excluding politically disturbed countries |
| Sum Insured for Accident & Sickness Medical Expenses | Upto $50,000 | Upto $100,000 | Upto $50,000 |
| Pre Existing Disease Coverage (life threatening only) | Upto $2,500 | Upto $3,000 | Upto $1,500 |
| Emergency Medical Evacuation | Up to $50,000 | Up to $100,000 | Up to $50,000 |
| Repatriation of Mortal Remains | Upto 25% of Accident & Sickness Sum Insured | Upto 25% of Accident & Sickness Sum Insured | Upto 25% of Accident & Sickness Sum Insured |
| Accidental Death & Disablement | Maximum $10,000 each; Benefit Total - Maximum $10,000 | Maximum $10,000 each; Benefit Total - Maximum $10,000 | Maximum $10,000 each; Benefit Total - Maximum $10,000 |
| Emergency Medical Dental Expenses | $300 | $500 | - |
| Delay of Checked-in Baggage | $40 | $40 | $40 |
| Loss of Checked-in Baggage | $200 | $200 | $200 |
| Loss of Passport | $250 | $250 | $250 |
| Trip Curtailment | $500 | $500 | $500 |
| Trip Cancellation | $250 | $500 | $250 |
| Flight Delay | $40 for all overseas flights taken during Insured Trip | $40 for all overseas flights taken during Insured Trip | $40 for all overseas flights taken during Insured Trip |
| Personal Liability | $1,00,000 (Deductible: $200) | $1,00,000 (Deductible: $200) | $1,00,000 (Deductible: $200) |
| Missed Flight/Connection | $250 | $250 | $250 |
Recommended Travel Insurance for a UK Trip – With Pre-Existing Condition Coverage
If you are planning a 40-day trip to the UK and require strong coverage for pre-existing medical conditions such as Blood Pressure (BP), the is the most suitable option.Recommended Plan for Titanium Plus
- Covers pre-existing conditions of up to $20,000 (only in case of life-threatening situation only)
- Other coverage areas are emergency medical treatment, in-hospitalization, protection in respect of accidents/injury or illness, trip cancellations or interruptions, loss of personal items (baggage or passport) and liability.
Travel Safe with Trusted TATA AIG Insurance
Tata AIG International Travel Insurance Review
Discover the best Tata AIG International Travel Insurance plans and benefits for travelers.
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TATA AIG Citation
Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 2 Decades and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".
Why Choose TATA AIG Travel Insurance for Pre-Existing Conditions?
Tata AIG travel insurance International plus makes you and your family travel with confidence, even with pre-existing medical conditions. Here are the few important factors which makes you to choose Tata AIG travel insurance as the best travel insurance for pre-existing medical conditions.- Wide age eligibility: Travelers aged 3 months to 99+ years are eligible to buy this plan.
- Multiple plan options: Policy maximum or the sum insured ranges from $50,000 to $1,000,000 USD under different plan names like Silver, Silver Plus, Gold, Platinum, Titanium, Senior, Senior plus and Super Senior plans. Each plan offers different coverage limits and sub limits to suit your needs and budget. These plans are available based on the traveler age.
- Coverage limits for pre-existing: Ranging from $1,500 to $20,000, depending on the plan and age of the traveler.
- Pre-existing conditions covered: Only under life-threatening pre-existing medical conditions are eligible for coverage.
- Global protection: Travel with confidence anywhere in the world excluding politically disturbed countries.
- Comprehensive Benefits: Along with pre-existing condition coverage under life-threatening, these plans offer other benefits like baggage loss and delay, flight delay, trip cancellation, missed connection, emergency medical evacuation, repatriation of mortal remains and more. The benefits offered vary from plan to plan. Please go through the policy terms and conditions before you purchase the plan online.
- Exclusions: Routine checkups or non-life-threatening medical conditions are not covered.
TATA AIG International Travel Insurance With Pre Existing Conditions - FAQs
Yes. TATA AIG provides coverage for life-threatening situations arising from eligible pre-existing medical conditions, subject to the policy terms, conditions and applicable limits.
A pre-existing medical condition is an illness or sickness that existed before the policy's effective date, whether or not you were aware that your symptoms were related to it.
TATA AIG provides limited coverage for eligible pre-existing conditions such as diabetes, asthma, heart conditions and blood pressure, but only for covered life-threatening situations and subject to policy terms.
Coverage varies by plan, from $2,500 under Silver to $20,000 under Titanium Plus for eligible life-threatening pre-existing conditions.
The Titanium Plus Plan provides up to $20,000 for eligible life-threatening pre-existing conditions, with overall medical coverage up to $1,000,000.
Yes. TATA AIG senior citizen travel insurance offers senior plans for travellers aged 71–99+, with pre-existing condition coverage for eligible life-threatening situations ranging from $1,500 to $3,000, depending on the plan.
Diabetes and high blood pressure can qualify as pre-existing conditions, but coverage applies only to eligible life-threatening situations and is subject to the policy terms and limits.
Routine medicines and ongoing treatment for a pre-existing condition are generally not covered under the limited pre-existing-condition benefit; coverage is intended for eligible life-threatening emergencies.
The pre-existing-condition benefit does not work as general ongoing medical coverage; it applies to eligible life-threatening situations, subject to the policy terms and conditions.
No. Coverage is limited to eligible life-threatening situations and the applicable pre-existing-condition limit under the selected plan.
Eligible expenses arising from pre-existing conditions may be covered when they result in a covered life-threatening situation, subject to the applicable plan limit and policy terms.
You should provide accurate information about your medical conditions when purchasing insurance. Medical reports may not be required to purchase the policy, but medical records may be reviewed during claim assessment.
Non-disclosure or inaccurate information can affect claim assessment. Always provide accurate information and review the policy terms before purchasing.
Yes. TATA AIG travel insurance can be purchased online, with premiums starting from ₹29/day* for eligible travellers and plans.
Availability depends on the policy's eligibility and purchase conditions. Check the applicable rules before attempting to purchase coverage after departure.
Contact TATA AIG's assistance or claims team as soon as possible and provide the required medical and travel documents for claim assessment.
Yes, an extension or renewal request can be submitted while abroad, subject to approval and the applicable policy conditions.
The benefit does not provide unlimited coverage for routine treatment, ongoing management or every expense related to a pre-existing condition. Coverage is limited to eligible life-threatening situations and the applicable plan limit.
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