TATA AIG Travel Insurance with Pre-existing Condition Coverage
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TATA AIG Pre-Existing Coverage
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Tata AIG Travel Insurance for Pre-Existing Conditions – An Overview
Planning an international trip with your family can be exciting, but traveling abroad with pre-existing medical conditions often raises concerns. Tata AIG Travel Insurance plans are designed to address these concerns by offering coverage for life-threatening pre-existing medical conditions, ensuring you stay protected throughout your journey.
With Tata AIG Travel Insurance, you and your family can travel confidently, even if you have pre-existing medical conditions. These plans provide peace of mind by safeguarding you wherever your travels take you.
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.
How Much Does Tata AIG Travel Insurance With Pre-Existing Condition Coverage Cost?
TATA AIG Travel Insurance with Pre-Existing Condition Coverage — Starting at Just ₹23/day, with plans offering between $50,000 and $1,000,000 in cover. Key benefits include medical expenses, emergency evacuation, baggage protection, and trip cancellation — ideal for travelers seeking either budget or premium international coverage.
*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.
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.
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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 $10,000Emergency 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 (only in case of life threatening conditions) 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 Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Emergency 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 (only in case of life threatening conditions) 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 Accidental Death: Maximum $15,000
Accidental Disablement: Maximum $15,000
Benefit Total - Maximum $15,000Accidental Death: Maximum $15,000
Accidental Disablement: Maximum $15,000
Benefit Total - Maximum $15,000Accidental Death: Maximum $15,000
Accidental Disablement: Maximum $15,000
Benefit Total - Maximum $15,000Emergency 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 (only in case of life threatening conditions) 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 Accidental Death: Maximum $25,000
Accidental Disablement: Maximum $25,000
Benefit Total - Maximum $25,000Accidental Death: Maximum $25,000
Accidental Disablement: Maximum $25,000
Benefit Total - Maximum $25,000Accidental Death: Maximum $25,000
Accidental Disablement: Maximum $25,000
Benefit Total - Maximum $25,000Emergency 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 (only in case of life threatening conditions) 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 Accidental Death: Maximum $50,000
Accidental Disablement: Maximum $50,000
Benefit Total - Maximum $50,000Emergency 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 (only in case of life threatening conditions) 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 Accidental Death: Maximum $75,000
Accidental Disablement: Maximum $75,000
Benefit Total - Maximum $75,000Emergency 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 -
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 (only in case of life threatening conditions) 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 Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Accidental Death: Maximum $10,000
Accidental Disablement: Maximum $10,000
Benefit Total - Maximum $10,000Emergency 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 : $200Missed Flight/Connection $250 $250 $250
Choosing the Right TATA AIG Pre-existing Plan
What Is the Cheapest travel insurance for pre existing medical conditions?
- Coverage up to $50,000
- Emergency evacuation Up to $50,000
- Pre-existing Conditions Up to $2,500
Which Is the Best travel insurance for pre existing medical conditions?
- Coverage up to $1,000,000
- Emergency evacuation Up to $1,000,000
- Pre-existing Conditions Up to $20,000
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 $1000,000 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.
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How Can I Extend or Renew My TATA AIG Travel Insurance Policy While Outside India?
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:
- Filled & signed Good health declaration
- Passport (first and last page & stamp page of the departure)
- Air ticket copy of onward journey (traveled from India to overseas)
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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".
TATA AIG International Travel Insurance With Pre Existing Conditions - FAQ's
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Do any insurers cover pre-existing conditions?
Yes, Tata AIG travel insurance covers pre-existing conditions under life threatening conditions. These plans are the cheapest travel insurance for preexisting conditions.
What is life threatening situation due to pre-existing diseases?
Lifesaving unforeseen emergency measures, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing condition. The treatment for these emergency measures would be paid within the policy limits till the Insured becomes medically stable. All further costs to maintain medically stable state to prevent the onset of ailment would have to be borne by the insured.
What are the life-threatening conditions covered under Tata AIG Overseas Travel Insurance for pre-existing conditions?
A life-threatening condition refers to an unforeseen medical emergency that poses an extreme risk to the insured's life. In such cases, medical treatment aimed at relieving acute pain, provided by a physician for a disease or accident resulting from a pre-existing condition, will be reimbursed up to the limit specified in the policy. This emergency treatment will be covered until the insured becomes medically stable or is relieved of acute pain. Any additional medical treatment to improve or maintain the insured's stable condition, or to prevent the recurrence of acute pain, will be the responsibility of the insured. Please go through the policy terms and conditions before you purchase any plan.
What is considered a pre-existing condition? What constitutes a pre-existing condition?
A pre-existing condition is any illness, disease, or injury for which you have received medical advice, diagnosis, or treatment prior to start of the travel insurance policy regardless of whether you were aware of the symptoms.
Does the policy cover all expenses related to pre-existing conditions?
Yes, the policy covers expenses related to pre-existing conditions only under life-threatening conditions while you are in overseas. Non-emergency or routine care related to pre-existing conditions is not covered.
Will my pre-existing condition be covered?
Yes, pre-existing conditions be covered only under life-threatening conditions. The amount of coverage varies with age and plan chosen.
Does TATA AIG Travel Insurance Cover Pre-Existing Conditions?
Yes, Tata AIG travel insurance offers limited coverage for pre-existing conditions, but only in life-threatening situations that occur while you are traveling abroad. The policy will reimburse medical expenses up to the specified limit in the policy based on your age and the plan you chose.
Are there any age restrictions for pre-existing condition coverage?
No, there is no specific age restrictions for pre-existing condition coverage under Tata AIG travel insurance. However, the coverage amount for pre-existing varies based on your age and the plan chosen.
Can senior citizens get coverage for pre-existing conditions?
Yes, Tata AIG travel insurance for senior citizens with pre-existing conditions are covered under life-threatening situations.
- Travelers aged 71 to 99+ years are covered up to $3,000 for pre-existing conditions.
- Travelers aged 61 to 70 years are covered up to $12,500 for pre-existing conditions.
- While travelers aged up to 60 years are covered up to $20,000 for pre-existing conditions.
Are routine treatments or non-emergency care for pre-existing conditions covered?
No, routine care, treatments, checkups or non-emergency care or ongoing follow-up treatments for pre-existing conditions not covered by the policy. Only emergency treatment for life-threatening situations is covered.
Is there a waiting period for pre-existing condition coverage?
No, Tata AIG International Plus travel insurance does not impose a waiting period for the coverage of pre-existing conditions in life-threatening emergencies. Coverage commences immediately upon the activation of the policy.
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What is the maximum coverage amount for pre-existing conditions?
Coverage for pre-existing conditions under life-threatening ranges from $1,500 to $20,000 USD, depending on your age and the plan you choose to buy. For example, the Silver plan ($50,000 sum insured) covers up to $2,500, while the Titanium Plus plan ($1000,000 sum insured) covers up to $20,000.
What other benefits are included under Tata AIG travel insurance for pre-existing?
Along with pre-existing diseases cover, these plans also cover emergency medical evacuation, accidental death and disablement, dental emergencies, trip interruption, baggage loss, and more
Can I get coverage for COVID-19 if it's a pre-existing condition?
COVID-19-related emergencies are only covered if they occur unexpectedly and pose a threat to life. If COVID-19 is recognized as a known or ongoing pre-existing condition, coverage will only be applicable in life-threatening circumstances according to the terms of the policy.
What if my condition was diagnosed recently?
If you were diagnosed or treated before purchasing your policy, it’s considered pre-existing. Always disclose it during application.
Does TATA AIG cover diabetes or hypertension?
Yes, Tata AIG travel insurance covers diabetes and hypertension and its medical complications like (like diabetic coma, heart attack, or stroke) as per policy plan.
Will I get coverage for regular medicine or insulin abroad?
No, Tata AIG travel insurance does not cover Routine medication or planned treatment.
What if I have multiple pre-existing conditions?
Coverage applies if any of them cause a life-threatening emergency. Claims are still subject to limits and documentation.
What happens if I don’t disclose my condition?
Non-disclosure may lead to complete claim denial. Always declare honestly.
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Can I buy Tata AIG travel insurance with pre-existing condition India online? How can I get a quote a plan with pre-existing?
Yes, buying Tata AIG travel insurance with pre-existing condition online is very easy in this digital age. Here are the simple steps to follow.
- Visit the TATA AIG travel insurance for pre-existing conditions
- Put the necessary parameters and click on view plans.
- Then you will see the available plans for the given parameters.
- Go through the benefits and premiums and continue
- Fill the proposal form and review the details.
- Make payment.
- Receive policy
Can I extend the policy if I stay longer? Can I extend my travel insurance if my trip gets extended?
Yes, you can extend or renew the policy being in overseas. If your stay is extended, then before expiry of the policy, please fill the renewal form online. Once you applied for renewal, then our insurance advisors will get approval in 1 working day. Based on the approval, you will be updated. Then you can pay the renewal premium and extend the policy.
Do I need to declare my pre-existing conditions while buying the policy?
No medical paperwork or statements are necessary when acquiring Tata AIG travel insurance. Nevertheless, should a claim arise, the insurer may assess the pre-existing condition by reviewing your medical history and previous treatment documentation.
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How do I make a claim for a life-threatening emergency related to a pre-existing condition? How do I make a claim for a pre-existing condition emergency?
In case of a medical emergency in overseas, contact TATA AIG’s assistance helpline immediately. The relevant help line numbers are provided in the policy document which is shared to you. They will guide you as per requirements.
Can I purchase travel insurance with pre-existing condition coverage after I’ve already started my trip?
No, Tata AIG travel insurance with pre-existing coverage must be purchased before your journey begins. It cannot be purchased or backdated once you have already departed from India.
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Which diseases are not covered by Tata AIG travel insurance pre-existing conditions?
Tata AIG’s travel insurance for pre-existing conditions has no specific exclusions. However, in life-threatening situations caused by a pre-existing condition, the coverage is limited to $20,000(based on age and coverage) to ensure the insured is medically stabilized. For example, if an insured individual has hypertension, any treatment required due to this condition in a life-threatening situation will be covered.
Are there any exclusions specific to pre-existing condition coverage?
TATA AIG travel insurance does not have any exclusions specific to pre-existing condition coverage, but coverage is strictly limited to life-threatening emergencies only. All further treatment after stabilization must be self-funded by you.