TATA AIG Travel Insurance Policies
TATA AIG Travel Insurance Policies provide international travel coverage for single and multi-trip journeys, with plans designed to protect against medical emergencies, trip-related risks, and other unexpected expenses abroad.
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What Are the Different Travel Insurance Plans Offered by TATA AIG?
TATA AIG offers international travel insurance under the TATA AIG Travel Guard brand. Travelers can choose from different plans based on their destination, trip duration, and travel frequency.
- Single Trip Travel Insurance - TATA AIG single trip travel insurance provides coverage for a specific overseas journey, including the outbound and return trips. Policy durations can range from 2 to 360 days, depending on the plan and eligibility. Eligible policies may be extended or renewed subject to the insurer's terms, health declaration, claims history, and underwriting approval. TATA AIG offers single-trip coverage through its Travel Guard and Travel Guard Plus plans.
- Multi-Trip Travel Insurance - TATA AIG multi-trip travel insurance is designed for business travelers, working professionals, and others who travel internationally several times a year. The policy provides coverage for multiple trips during the policy period, while each individual trip is subject to the maximum number of days specified in the policy.
- Schengen Travel Insurance - TATA AIG Schengen travel insurance is designed for travelers visiting countries in the Schengen Area. Schengen visa applicants generally need travel medical insurance with at least €30,000 in coverage, subject to current visa requirements. Travelers can choose higher coverage limits based on their trip and insurance needs.
- Asia Travel Insurance - TATA AIG Asia travel insurance is designed for travelers visiting eligible Asian destinations. Coverage and eligible countries vary by plan, so travelers should check the policy terms before purchasing. The plan is available for short-duration international trips to covered Asian destinations.
What Are the TATA AIG Travel Insurance Variants Based on Coverage Limits?
TATA AIG with Sub Limits Travel Insurance
- TATA AIG travel guard with sublimit plans have specific benefit limits for different covered medical expenses.
- These are plans are cheaper when compared to plans without any sub-limits.
- The distinction with or without sub-limits comes into effect only after the age of 56 years. For travelers less than 56 years all plans have no sub-limits.
- Travelers between 56 and 70 years have an option of buying the plan with sub-limits with $50,000, $100,000, $250,000 and $500,000 maximum coverage.
- 70 plus travelers can only buy a plan of $50,000 with sub-limits.
Deductible is $100 per medical claim
Your claim amount for medical expenses is $24,500
Here is a simple example showing how much the insurance policy pays for this claim:
Subtract the deductible from claims amount - $24,500 minus $100 equals $24,400. Insured bears $100.
The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.
| Expense | Amount Billed | Amount Insurance Pays | Amount Insured has to pay from his pocket |
|---|---|---|---|
| Deductible | $100 | $0 | $100 |
| Days in hospital | $2,000/day for 3 days | $1,500/day for 3 days | $1,500 |
| Surgery | $17,000 | $10,000 | $7,000 |
| Diagnostic and Pre-Admission Testing | $800 | $500 | $300 |
| Ambulance Services | $600 | $400 | $200 |
| Total: | $24,500 | $15,400 | $9,100 |
TATA AIG Without Sub Limits Travel Insurance
- TATA AIG travel guard without sublimit plans are comprehensive plans where in the eligible medical benefits are covered up to medical maximum.
- These plans are more expensive but their coverage is more exhaustive.
- Travelers 56 to 70 years have an option of buying the plan without sub-limits with $50,000, $100,000, $250,000 and $500,000 maximum coverage.
- 70 plus travelers can buy a plan of $50,000 without sub-limits
Deductible is $100 per medical claim
Your claim amount for medical expenses is $24,500
Below is a simple calculation showing how much the plan/insurance company pays you:
Subtract the deductible from claims amount - $24,500 minus $100 equals $24,400. Insured bears $100.
The insurance provider pays fixed amounts based on the schedule of benefits (as shown in the table) and you have to pay the remaining balance.
| Expense | Amount Billed | Amount Insurance Pays | Amount Insured has to pay from his pocket |
|---|---|---|---|
| Days in hospital | $2,000/day for 3 days | $2,000/day for 3 days | $0 |
| Surgery | $17,000 | $$17,000 | $0 |
| Diagnostic and Pre-Admission Testing | $800 | $800 | $0 |
| Ambulance Services | $600 | $600 | $0 |
| Total: | $24,500 | $24,500 | $100 |
What Are the Coverage Options Under TATA AIG International Travel Insurance?
| General information | Tata AIG travel guard | Tata AIG travel guard plus |
|---|---|---|
| Eligibility | 6 months to 99 years | 3 months to 99 years |
| Maximum coverage (USD) | 6 months to 70 years- $50,000, $1 Lakh, $2.5 Lakhs, $5 Lakhs 71 years to 80 years-$50,000 80+ years- $50,000 |
3 months to 70 years- $50,000, $1 Lakh, $2.5 Lakhs, $5 Lakhs, $7.5 Lakhs, $10 Lakhs 71 years to 80 years- $50,000 & $1 Lakh 80+ years- $50,000 |
| Policy duration | up to 180 days | up to 360 days |
| Destination covered | Worldwide | Worldwide |
| Add-on | No | Yes, adventure sports, cruise travel or car rental benefit can be purchased as an addon |
| Coverage for Pre-existing disease | up to $1,500 under life threatening conditions | up to $20,000 under life threatening conditions based on age and plan chosen |
| General information | Tata AIG travel guard | Tata AIG travel guard plus |
|---|---|---|
| Eligibility | 19 years to 70 years | 12 years to 80 years |
| coverage details | For age 19 years to 70 years Maximum coverage- $2.5 Lakhs & $5 Lakhs Slab days per trip- 30 & 45 days |
For age 12 years to 70 years Maximum coverage- $50,000 up to $10 Lakhs Slab days per trip- 30, 45, 60, 90, 120, 150, 180 days For age 71 years to 80 years Maximum coverage- $50,000 up to $1 Lakh Slab days per trip- 30 & 45 days |
| Destination covered | Worldwide | Worldwide |
| Add-on | No | Yes, adventure sports, cruise travel or car rental benefit can be purchased as an addon |
| Coverage for Pre-existing disease | up to $1,500 under life threatening conditions | up to $20,000 under life threatening conditions based on age and plan chosen |
| General information | Tata AIG Asia guard |
|---|---|
| Eligibility | 6 months to 70 years |
| Maximum coverage (USD) | $50,000, $1 Lakh, $2 Lakhs |
| Policy duration | up to 30 days |
| Destination covered | Asia excluding Japan & Koreas |
| Add-on | No |
| Coverage for Pre-existing disease | No |
- 71 years and above and travelling to Asia.
- Travellers whose trip duration is more than 30 days.
- Travellers who are looking for pre-excluding disease coverage.
- Travellers who are looking for higher sum insured or more benefits can buy single trip travel insurance
Tata AIG International Travel Insurance Review
Discover the best Tata AIG International Travel Insurance plans and benefits for travelers.
Know more »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".