TATA AIG Travel Insurance

When we travel on an airplane, all we would want to think about is our destination. Therefore, as passengers, we wish to be relieved of all the risks involved while we travel.

The company has a strong asset background of 0.6 billion USD with a presence in 90 locations in India.

This is when investing in a travel insurance plan comes into play. Buying travel insurance from a renowned company such as TATA AIG ensures all our travel related needs are taken care of. The company offers travel insurance solutions for all travel purposes such as business, leisure or studies. The insurance plans are customised in a way that offers comprehensive travel insurance for different types of travels.

Features of Tata AIG Travel Insurance

Accidental death, injury cover, sickness, or dental treatment reimbursement
Repatriation of remains
Fees loss coverage due to study interruption on account of unforeseen circumstances
Specially designed plan for travel within India
Go Digital initiative of the company makes buying of travel insurance plans more convenient and effortless

Benefits of Tata AIG Travel Insurance

Specially designed custom plans to suit every individual's different travel requirements
Medical cover including pre-existing disease coverage of limited amount
Flexibility of extension of travel insurance plan
Free look period of 15 days for annual multi trip travel insurance provided trip has not begun

Coverage of Tata AIG Travel Insurance

Lost Luggage – pays compensation for your luggage if it gets lost in transit by the airline
Home burglary insurance – pays compensation for losses and damage for attempted burglary at home when you are away
Flight delay reimbursement – compensation if your flight gets delayed due to covered hazard
Legal liability cover – pays compensation for your legal liability for amount mentioned in the policy schedule
Missed connection flight – reimbursement for missed flight due to covered hazard
Trip cut short cover – compensation for trip cut short due to reason mentioned in policy schedule

Types of Tata AIG Travel Insurance Plans

Travel Guard

Tata AIG Travel Guard Plan is a travel insurance plan which is meant to protect you from unforeseen incidents when you are travelling abroad. The plan will financially protect you against baggage loss, flight delay and cancellation, accidents, injuries, sickness etc.

Key Features

Baggage loss cover during transit in a commercial aircraft
Reimburse for expenses to get a new or duplicate passport if lost during travel
Hijack allowance for illegally detained for every 24 hour period
Automatic extension of 7 days on the policy cover in case of delay or no flights available to your destination due to an unforeseen incident
Coverage of legal liability for property damage due to an accident
Cover if trip gets cut short due to unforeseen circumstances

Medical Benefits

Compensation for accidental injury during travel
Reimbursement of medical expenses including dental
Emergency travel hospital expenses cover
Cover for pre-existing condition for up to $1500 per policy

Exclusions

Travel for getting treatment against doctor's advice.
Suicide, HIV, Aids, self-inflicted injury, sexually transmitted diseases, mental or nervous disorder
Injuries during service in armed force
Injury while being under alcohol or drug influence
Injury due to participation crime, felony or riot
Loss arising out of war, invasion, terrorism or use of military power
Damage due to nuclear reaction, contamination

Student Guard

Student guard is an overseas travel and health insurance plan exclusively designed for students who go abroad for study. The plan takes care of the emergencies that may arise due to various risks of travelling and living abroad.

Key Features

Compensation for loss and replacement of baggage up to the amount mentioned in policy schedule
If your baggage is delayed then expenses incurred on necessary things needed will be reimbursed
Cover for getting duplicate passport in case the passport gets lost
Cover for personal liability if you get involved in an accident and are legally liable to pay for the property damage
Reimbursement of expenses occurred due to missed connection flight

Medical Benefits

Cover for accident and sickness medical expenses
Coverage for accidental death provided death occurs within 365 days of the accident
Cover for expenses incurred to bring the body from place of accident to India for funeral
Coverage against tuition fees which has been paid in advance but the student cannot attend due to unforeseen circumstances covered in the policy schedule

Exclusions

No cover for baggage which is sent in advance or mailed or shipped separately.
Baggage delay in India
Passport loss due detention by customs or police
Expenses incurred during normal course of trip
Any personal liability which is expected or intended
For full details on policy exclusion read the policy document carefully

Domestic Guard

Domestic travel guard policy is designed to cover the risk during within the boundaries of India.

Key Features

Coverage for loss of tickets
Property damage cover as per the sum mentioned in the policy schedule
Accommodation expense coverage if trip gets delayed
Reimburse expense of round trip and hotel for family member if the policy holder gets hospitalized on the trip
Cover for flight ticket expense if flight gets missed due to a covered risk

Medical Benefits

Coverage for medical expenses but not pre-existing conditions
Expenses for transportation for treatment covered
Benefit for each day spent in hospital
Coverage against death and injury during trip
Reimburse expenses to transport remains of the policy holder from place of death to his/her residence

Deductibles - Tata AIG Travel Insurance Plans

Deductibles under Travel Guard Plan

Benefit	Deductibles ($)
Trip Cancellation	50
Trip Curtailment	50
Missed connection/missed departure	50
Bounced Hotel Airline booking	50

Deductibles under - Student Guard - Overseas Health Insurance Plan

Benefit	Deductibles ($)
Accident & Sickness Medical Expenses Reimbursement	100
Sickness Dental Relief	100
Loss of passport	30
Personal liability	200

Deductibles under – Domestic Travel Guard Policy

Benefit	Deductibles (INR)
Accident & Sickness Medical Expenses Reimbursement	250
Personal liability	200
Loss of ticket	Rs.150/ 10% of actual ticket cost
Missed departure rail/flight	Rs.150/ 10% of actual ticket cost

Claim Process of Tata AIG Travel Insurance

To register travel claims you will need to contact on the below depending the place of your travel.

Claims Contact While Abroad

For Rest of the world policies excluding the Americas: Call: +603-8991-2013 or +603-8991-2014 (Toll Worldwide) Email (assistance): TGAP.TATAmedical@travelguard.com Email (claims): TGAP.TATAclaims@travelguard.com

For the Americas Policies

Please Call: +1-866-866-2620 (Toll-Free within US & Canada) +1-817-826-7018(Reverse Charge/Collect from other places) Email: tata.AIG@AIG.com 0800 169 9884 (Toll-free from UK); 0120-593700 (Toll-free from Japan) When abroad, contact on the above phone number depending on your location for any assistance.

In India, you may intimate about the claim on the below numbers

Toll-Free No 1800 266 7780 / 1800 119966 from BSNL/MTNL Landline or 1800 22 9966 (only for senior citizen policy holders)

Call these local helpline numbers in your respective cities from any other line

Mumbai - 66939500, Delhi – 66603500, Bangalore – 66500001, Pune – 66014156, Chennai – 66841050, Hyderabad – 66629882, Ahmedabad - 66610201 Email:general.claims@tata-AIG.commailto:

Write to the below address for claims

Tata AIG General Insurance Company Ltd. A-501, 5th Floor, Building No. 4, Infinity Park, Gen. A. K. Vaidya Marg, Dindoshi, Malad (E), Mumbai, India - 400 097. SMS ‘CLAIM’ to 5888

Tata AIG Travel Insurance Review

TATA AIG offers a good range of travel plans as per the needs of the traveller. The plans give comprehensive protection for travel for a nominal cost. The company has simple claim process making the plans good selection for travel insurance.

FAQs on Tata AIG Travel Insurance

What are the medical benefits available under TATA AIG Travel Guard?

The medical benefits available under TATA AIG Travel guard are:

Reimbursement of expenses spent on treatment of injury, sickness or dental treatment.
Reimbursement of expenses for emergency travel to hospital and medical supplies.
Coverage of up to $1500 per policy for any pre-existing condition or any complication arising from it.

Is loss of passport covered by TATA AIG Student Guard – Overseas health insurance plan?

Yes, loss of passport is covered in TATA AIG student guard – overseas health insurance plan. All necessary and reasonable expenses will be reimbursed for obtaining a duplicate or new passport up to the amount of $250 with a deductible of $30.

What are the different modes of premium payment to get TATA AIG Travel Insurance?

You can pay the premium by cash at the nearest branch or you can pay the premium online using credit card, debit card or net banking.