TATA AIG Travel Insurance

1. COVID-19 Covered:

In response to the ongoing pandemic, Tata AIG Travel Insurance offers coverage for COVID-19-related medical expenses during international travel. This additional safeguard ensures that you are protected against unexpected health issues, even in the current global circumstances. (Policy T&C apply)

2. Affordable International Policies:

Tata AIG offers international travel insurance policies at budget-friendly rates, starting at just INR 40.82 per day. This affordability ensures that you can enjoy worry-free travel without breaking the bank.

3. Affordable Domestic Policies:

Exploring the diverse beauty of India is made more secure with Tata AIG's domestic travel insurance policies. You can get coverage for your travels within India for as low as INR 26 per day.

4. Instant Policy Purchase:

With Tata AIG, you can purchase your travel insurance policy online in just a few clicks. No extensive paperwork or pre-policy medical check-up is required, making it a hassle-free and quick process.

5. Hassle-Free Claim Procedure:

Tata AIG is committed to simplifying the travel insurance claims process. The company embraces a digital approach, allowing for easy, fast, and paperless claim procedures. Your claims can be made with simple document uploads on the online portal, eliminating the need for hardcopy evidence.

6. 24/7 Customer Assistance:

Tata AIG understands that travel insurance support should be readily available, regardless of time zones. Their in-house claim settlement and customer assistance team is at your service around the clock, ensuring you have professional support every step of the way.

• COVID-19 Covered: The policy covers COVID-19-related medical expenses, offering peace of mind during these uncertain times.

• Affordable International Policies: You can enjoy international travel with coverage starting at just INR 40.82 per day.

• Affordable Domestic Policies: Explore the beauty of India with travel insurance starting at just INR 26 per day.

• Instant Policy Purchase: Buying a Tata AIG travel insurance policy is a hassle-free process, with minimal paperwork and no health check-up required.

• Hassle-Free Claim Procedure: Tata AIG simplifies the claim process, making it easy, fast, and paperless. Claims can be submitted online, and hardcopy evidence is not required.

• 24/7 Customer Assistance: Travel emergencies can happen at any time, and Tata AIG's in-house claim settlement and customer assistance team is available around the clock to help you.

• Accident & Sickness Medical Expense: If you are diagnosed with COVID-19 while traveling outside India and require hospitalization, the policy covers the medical expenses.

• Trip Cancellation Compensation: If you, your travel companion, or immediate family members are diagnosed with COVID-19 before starting your international trip and must cancel due to this, you can receive reimbursement for unused, non-refundable bookings like hotel stays and flight tickets.

• Trip Curtailment/Interruption Benefits: If you are diagnosed with COVID-19 during your trip, leading to a premature return, the policy reimburses expenses related to the unused portions of your travel and accommodation, as well as additional expenses due to trip interruption.

• Automatic Extension: In case of a lockdown in your destination country due to COVID-19, the policy may cover the cost of extending your trip for up to seven days, subject to terms and conditions.

Baggage Covers

Tata AIG Travel Insurance also provides coverage for baggage-related inconveniences:

• Delayed Baggage: If your baggage is delayed in transit, the policy helps cover the cost of necessary personal items until your luggage arrives.

• Lost Baggage: In the unfortunate event of lost or stolen baggage, the policy may reimburse you for the items in your luggage.

Journey Covers

Various aspects of your journey are protected under Tata AIG Travel Insurance:

• Loss of Passport: If your passport is lost or stolen, the policy assists with necessary and reasonable expenses for obtaining a new passport.

• Assistance While Traveling: Whether you need legal help or assistance with lost luggage or passport, the policy provides the necessary support. Emergency travel services, cash transfers, and advances are also included.

• Personal Liability: In case you are involved in an accident that causes harm to others or their property, the policy helps cover the associated expenses.

• Hijack Help: In the event of a hijacking, the policy offers a distress allowance.

• Delayed Flights: If your flight is delayed by more than 12 hours due to bad weather or other reasons, your travel insurance will pay for additional costs, such as accommodation.

• Policy Extension: The policy may extend its protection for up to seven days if your flight is delayed or canceled.

• Trip Curtailment or Cancellation: The coverage covers non-refundable lodging and travel costs if you had to shorten or cancel your trip due to an emergency.

Medical Covers

Medical coverage is essential, especially when traveling internationally. Tata AIG Travel Insurance provides extensive coverage for medical emergencies:

• Medical Emergencies: The policy covers a range of medical expenses, from regular illnesses requiring hospitalization to dental emergencies and even fatalities. Coverage continues for 60 days or until you are discharged if you fall ill or have an accident toward the end of your trip.

• Medical Evacuation: If you require emergency medical evacuation to the nearest hospital or even repatriation back to India for medical treatment, the policy takes care of it.

• Accidental Death and Repatriation: In case of a fatal accident or medical emergency abroad, the policy provides the full sum insured amount to your nominee and covers the cost of repatriating the individual's remains.

• Compassionate Visit: If you need someone to assist you during hospitalization, the policy offers a two-way ticket for a family member.

• Interruption of Study: For students, if you need to interrupt your education due to illness, the policy reimburses any unused tuition fees.

3. Failure to Report Theft: If you do not report the theft of luggage, documents, or personal belongings to the relevant authorities, you may not be able to make a legitimate claim.

Journey Exclusions:

1. Illegal Activities: If you engage in criminal activity during your vacation, such as a felony, theft, fraud, or other malicious behavior, your insurance claim might be rejected.

2. Adventure Sports: Some travel insurance policies may not provide coverage for adventure sports like skydiving, scuba diving, or mountain diving.

3. Hazardous Work: Undertaking manual work that could potentially harm you or your health is typically not covered.

Medical Exclusions:

1. Traveling Against Medical Advice: Your claim request may not be entertained if you have traveled against the advice of your doctor.

2. Pre-Existing Health Conditions: Your claim might not be accepted if you need help because of a pre-existing medical condition.

3. Self-Inflicted Injuries: Claims related to self-inflicted injuries are typically excluded.

4. Pregnancy and Related Issues: Pregnancy, birth control, and surgical procedures are excluded from coverage.

5. Sexually Transmitted Diseases and Substance Abuse: Injuries or illnesses resulting from STDs, mental illnesses, and accidents resulting from the use of alcohol or substances not authorized by a doctor may not be covered.

It's essential to thoroughly read the policy documents and understand the specific inclusions and exclusions of your chosen Tata AIG Travel Insurance plan. This knowledge will help you make informed decisions while traveling and ensure that you meet the policy requirements to file a successful claim in case of an unfortunate event.

• Trip Duration: Longer trips come with higher risks and, consequently, higher premiums.

• Trip Destination: The safety and economic stability of your destination can impact your premium. Safer or stable countries often have lower premiums.

• Coverage Amount: The sum insured directly affects your premium. Choose coverage that adequately addresses potential expenses and losses.

• Renewal or Extension: Review policy options for renewing or extending coverage. Tata AIG offers these options, so understand the details in the policy document.

• Age of Traveler(s): Older travelers might have to pay higher premiums due to increased risk of medical issues with age.