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Travel Insurance
 

Tata AIG Travel Insurance

 

Travel Guard


Travel in peace anywhere in the world. Travel with Travel Guard.

A holiday is important time to recharge yourself. It is what you work for and owe yourself. An injury or illness on a trip like this can be unpleasant and expensive. Tata AIG's Travel Guard is a "Global Travel Protection" policy that any resident Indian between the ages of 6 months and 70 years can buy (for travel abroad on business or leisure).

You need no medical certification, whatever your age, though you do need a declaration of recent medical history. Any pre-existing ailments or medical conditions are not covered under this policy.
Unique Features

Coverage of Medical Expenses:
Travel Guard takes care of your medical expenses due to accident and sickness while traveling so that you can concentrate on better things like enjoying the holiday.

Checked Baggage Loss:
Compensation for the loss of checked in baggage.

Baggage delay: Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.

Loss of Passport: Compensation for expenses incurred in obtaining a duplicate or new passport.

Personal Liability: Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

Hijacking:
In an unfortunate event of your common carrier in which you are travelling; being hijacked, this product will pay a distress allowance to you.

In-hospital Indemnity:
Travel Guard pays a Daily benefit for each day you are an inpatient in a hospital due to injury or sickness.

Trip Delay: Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).

Automatic-extension of the policy:
Travel Guard allows you to extend your policy upto a period of 7 days from the policy expiry date.

Personal Accident: TravelGuard gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.

Sickness Dental Relief: The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.


Assistance Services: AIG Assist (US & Canada) and ISOS (Rest of World) are available round the clock for any assistance:

 

  • Pre-departure services – information about foreign locations, passport / visa requirements, immunization requirements etc
  •  

  • Emergency Travel Agency – provides with 24 hour travel agency service for airline and hotel reservations.
  •  


  • Medical Assistance – Assistance service in contacting the medical facility where you are located and determine the next course of action. Assistance company will also recommend or assist in securing the availability of services of local Physician and arranging medical services.
  •  


  • Medical Evacuation & Repatriation– In the event of medical emergency, the assistance services will arrange for evacuation and transportation based on the medical evaluation of your condition. Travel Guard also provides for repatriation of remains in case of unfortunate death of the insured while overseas.
  •  

  • Lost travel documents assistance
  • Emergency Message transmission services
  • Embassy referral services
  • Claims procedures Information services
  • Pre-departure services – information about foreign locations, passport / visa requirements, immunization requirements etc
  •  

  • Emergency Travel Agency – provides with 24 hour travel agency service for airline and hotel reservations.
  •  


  • Medical Assistance – Assistance service in contacting the medical facility where you are located and determine the next course of action. Assistance company will also recommend or assist in securing the availability of services of local Physician and arranging medical services.
  •  


  • Medical Evacuation & Repatriation– In the event of medical emergency, the assistance services will arrange for evacuation and transportation based on the medical evaluation of your condition. Travel Guard also provides for repatriation of remains in case of unfortunate death of the insured while overseas.
  •  

  • Lost travel documents assistance
  • Emergency Message transmission services
  • Embassy referral services
  • Claims procedures Information services
  •  

    Additional Features (with Family Option)

  • Automatic Extension of policy
  • Emergency Cash advance
  • No medical examinations up to the age 70 years.
  •   Benefits

    Benefits

    Single Trip

    Annual Multi trip

    fig in $

    Silver

    Gold

    Platinum

    Gold

    Platinum

    (Including & Excluding the Americas)

    (Worldwide)

    Accidental Death and Dismemberment Benefit
    (24 Hrs)

    10000

    15000

    25000

    15000

    25000

    Accidental Death and Dismemberment Benefit (Common Carrier)

    N/A

    5000

    5000

    5000

    5000

    Accident & Sickness Medical Expense Reimbursement

    50000

    200000

    500000

    250000

    500000

    Deductible

    100

    100

    100

    100

    100

    Sickness Dental Relief

    300

    400

    500

    400

    500

    Deductible

    150

    150

     

    150

    150

    Emergency Medical Evacuation Benefit

    Included*

    Included*

    Included*

    Included*

    Included*

    Repatriation of Remains Benefit

    Included*

    Included*

    Included*

    Included*

    Included*

    Baggage Delay Benefit (After first 12 hrs.)

    50

    100

    200

    100

    200

    Checked Baggage Loss Benefit

    500

    1000

    1000

    1000

    1000

    Loss of Passport Benefit

    250

    250

    250

    250

    250

    Deductible

    30

    30

    30

    30

    30

    Personnal Liability Benefit

    100000

    200000

    200000

    200000

    200000

    Deductible

    200

    200

    200

    200

    200

    Trip Delay Benefit

    na

    Included*

    Included*

    Included*

    Included*

    Deductible

    na

    12 hrs, 10$ per 12 hrs

    12 hrs, 10$ per 12 hrs

    12 hrs, 10$
    per 12 hrs

    12 hrs, 10$
    per 12 hrs

    Maximum

    na

    $100

    $100

    $100

    $100

    Hijacking Benefit

    na

    Included*

    Included*

    Included*

    Included*

    Deductible

    na

    1 day, 100$ per day & Max 500$

    1 day, 100$ per day & Max 500$

    1 day, 100$ per day &
    Max 500$

    1 day, 100$ per day &
    Max 500$

    In - Hospital Indemnity Benefit

    na

    na

    na

    Included*

    Included*

    Deductible

    na

     

     

    1 day,15$ per day &
    Max 150$

    1 day,15$ per day &
    Max 150$

    Automatic extension of policy upto 7 days

    Available

    Available

    Available

    Available

    Available

    Emergency cash advance

    500

    1000

    1500

    1000

    1500

     

    Following Max.eligible exp.per Sickness or Disease are applicable to Insured Persons Aged 56-70, regardless of the plan / option purchased.

     

    Hospital Room and Board and Hospital miscellaneous

    Max 1,500 per day upto 30 days whichever is less.

    Intensive Care Unit

    Max 3,000 per day upto 7 days whichever is less.

    Surgical Treatment

    Max 10,000

    Anesthetist Services

    Upto 25% of Surgical Treatment

    Physician’s Visit

    Max 75 per Day upto 10 visits

    Diagnostic and Pre-Admission Testing

    Max 500

    Ambulance Services

    Max 400

     

    * Included under Accident & Sickness Medical Expenses Reimbursement

     

    SILVER

    (Worldwide excluding USA/Canada)

    Age Band

    6 mths-
    40 yrs

    41-60
    yrs

    61-70
    yrs

    1-7

    510

    556

    902

    8-14

    727

    792

    1216

    15-21

    824

    927

    1562

    22-28

    945

    1148

    1896

    29-35

    1133

    1337

    2298

    36-47

    1355

    1662

    2934

    48-60

    1648

    1935

    3684

    61-75

    1957

    2475

    4839

    76-90

    2235

    2853

    6075

    91-120

    3119

    3725

    8311

    121-150

    4059

    5171

    11443

    151-180

    4918

    6099

    13749

     

    SILVER

    (Worldwide including USA/Canada)

    Age Band

    6 mths-
    40 yrs

    41-60
    yrs

    61-70
    yrs

    1-7

    758

    844

    1314

    8-14

    1078

    1167

    1834

    15-21

    1122

    1352

    2356

    22-28

    1347

    1550

    2965

    29-35

    1666

    1898

    3603

    36-47

    2042

    2457

    4653

    48-60

    2851

    3951

    5779

    61-75

    4220

    5881

    7090

    76-90

    5051

    6316

    8790

    91-120

    5243

    6375

    14331

    121-150

    6947

    8590

    19905

    151-180

    8409

    10162

    23684

     

     

     

     

     

     

     

    GOLD

    (Worldwide excluding USA/Canada)

    Age Band

    6 mths-
    40 yrs

    41-60
    yrs

    61-70
    yrs

    1-7

    695

    774

    1273

    8-14

    895

    1037

    1805

    15-21

    1064

    1273

    2373

    22-28

    1241

    1536

    2888

    29-35

    1482

    1766

    3609

    36-47

    1720

    2199

    4492

    48-60

    2065

    2841

    5505

    61-75

    2632

    3325

    6927

    76-90

    3090

    4288

    8317

    91-120

    4547

    5866

    12115

    120-150

    5567

    7699

    17021

    150-180

    6921

    8994

    20220

     

    GOLD

    (Worldwide including USA/Canada)

    Age Band

    6 mths-
    40 yrs

    41-60
    yrs

    61-70
    yrs

    1-7

    971

    1115

    1753

    8-14

    1272

    1571

    2527

    15-21

    1455

    1789

    3392

    22-28

    1720

    2164

    4052

    29-35

    2042

    2616

    5165

    36-47

    2561

    3341

    6668

    48-60

    3367

    4737

    8277

    61-75

    4692

    6914

    10627

    76-90

    5634

    6959

    13266

    91-120

    6966

    8693

    20010

    121-150

    9608

    12197

    28943

    151-180

    11756

    14541

    33824

     

    ANNUAL MULTI TRIP

    (Worldwide)

    Age Band

    6 mths-
    40 yrs

    41-60
    yrs

    61-70
    yrs

    1-30

    3940

    4624

    8994

    1-45

    4399

    4829

    14567

     

     

     

     

     

    PLATINUM

    (Worldwide excluding USA/Canada)

    Age Band

    6 mths-
    40 yrs

    41-60
    yrs

    61-70
    yrs

    1-7

    806

    930

    1495

    8-14

    1008

    1414

    2003

    15-21

    1225

    1526

    2680

    22-28

    1501

    1773

    3222

    29-35

    1651

    2110

    3923

    36-47

    1950

    2559

    4850

    48-60

    2806

    4175

    6010

    61-75

    4041

    5633

    7635

    76-90

    4849

    6705

    9121

    90-120

    5311

    7404

    12960

    120-150

    6965

    8705

    18773

    150-180

    8568

    10524

    22807

     

    PLATINUM

    (Worldwide including USA/Canada)

    Age Band

    6 mths-
    40 yrs

    41-60
    yrs

    61-70
    yrs

    1-7

    1025

    1166

    1973

    8-14

    1437

    2020

    2802

    15-21

    1720

    2177

    3583

    22-28

    1918

    2514

    4357

    29-35

    2353

    2986

    5505

    36-47

    2817

    3659

    7014

    48-60

    4018

    5949

    8796

    61-75

    5747

    8339

    11175

    76-90

    6959

    9483

    14079

    91-120

    7712

    10349

    22027

    121-150

    10554

    14210

    31049

    151-180

    12703

    15874

    35876

     

    ANNUAL MULTI TRIP

    (Worldwide)

    Age Band

    6 mths-
    40 yrs

    41-60
    yrs

    61-70
    yrs

    1-30

    4283

    5230

    10370

    1-45

    4952

    5326

    16997

     

    *premium (Rs) inclusive of 12.24% service tax

     

    Exclusions

    You are not covered if any expenses incurred directly or indirectly in respect of: traveling against the advice of the physician; for obtaining treatment; pre-existing ailments & complications arising out of them; Suicide or attempted suicide; war; terrorism; illegal acts; dangerous sports etc For other exclusions please refer to the policy wordings

     

    The coverage, terms & exclusions have been outlined briefly; kindly refer the policy wordings for complete details

     

     

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