Best Travel Insurance Plans In India 2023 : Tata AIG Travel Insurance in 2023, there were about 188 million passengers who flew or took flights throughout India. A number of travel-related problems, like aircraft delays, lost luggage, trip cancellations, etc., were brought on by this increase in passengers. Many visitors continue to question whether getting travel insurance is a smart idea despite the apparently endless list of problems.
The difficulty of the process and lack of time are the main reasons why people choose not to purchase travel insurance. Travel insurance is becoming a top priority for many people due to the rising incidence of travel-related problems, the post-pandemic emphasis on safety, and the expanding trend of long distance travel.
Additionally, by getting travel insurance, you may vacation worry-free because you’ll be financially covered in case of any disasters.
Features Tata AIG Travel Insurance
COVID-19 Covered
While many travel insurance policies provide respectable medical coverage, not all of them also include COVID-19 coverage. Leading insurance companies, including Tata AIG, see the value of Covid-19 coverage in the present and will give coverage if you get it before or while travelling.
Their COVID-19 travel insurance covers trip cancellation and hospitalisation abroad as a result of COVID-19 medical issues.
Additionally, you might be travelling to a country where entry requires passing a Covid test or meeting other Covid-related travel criteria. You can easily call their 24-hour assistance hotline if you have inquiries concerning pandemic limitations, location-based real-time safety alerts, general travel guidance, or quick click-to-call assistance.
Journey Covers
- Trip curtailment:
If the insured was required to cut short the trip after it had begun, the unused portion of the travel and lodging expenses as well as additional lodging and/or transit charges may be claimed.
- Hijacking:
if an insured common carrier has been kidnapped, it pays a distress allowance.
- Flight delay:
reimburses you for any additional costs incurred if your trip is more than 12 hours late.
- Fraudulent charges:
The unauthorised charges will be repaid in the event that a payment card is lost or stolen.
- Accident and sickness medical expenses:
covers expenditures incurred while travelling overseas for accidents and illnesses.
- Checked in baggage loss:
Covers Checked Baggage Loss caused by Theft, Misdirection, or Non-Delivery at Destination while in the Care, Custody, and Control of a Common Carrier.
- Missed connections/missed departure:
reimburses reasonable extra costs incurred on a covered return trip as a result of missing connections or a delayed departure by an insured scheduled airline.
Simplified Claim Procedure:
The travel insurance claim procedure at TATA AIG is made to be simple for its clients. They provide ways to make a claim both offline and online.
After filing your claim, their Claim Service Centre will notify you of the necessary documentation, which you can then provide to start the claim settlement procedure.
You can contact them via email, WhatsApp, or the registered toll-free number for further information. This streamlined procedure aids in streamlining the entire claim experience and enables you to swiftly and effectively get your payment.
Best TATA AIG General Travel Insurance Plans
- TATA AIG Travel Guard Silver Insurance Policy
- TATA AIG Travel Guard Silver Plus Insurance Policy
- TATA AIG Travel Guard Gold Insurance Policy
- TATA AIG Travel Guard Platinum Insurance Policy
For domestic and Asian travel, as well as for senior persons and students, Tata AIG offers travel insurance coverage.
TATA AIG does, however, have a number of sub-limits for medical expenses for individuals 56 years of age and older. such as a maximum of $10,000 for surgery, $400 for an ambulance, and a maximum of $3000 per day for up to 7 days in an intensive care unit.
Those sublimits are waived by TATA AIG in exchange for an extra premium.
| Benefits | Coverage Amt | |||
| Silver | Silver Plus | Gold | Platinum | |
| Medical expense | $50,000 | $100,000 | $250,000 | $500,000 |
| Accidental Death | $10,000 | $10,000 | $15,000 | $25,000 |
| Accidental death (common carrier) | NA | $5000 | $5000 | $5000 |
| Dental Relief | $300 | $400 | $500 | $1000 |
| Baggage Delay | $50 | $100 | $200 | $500 |
| Checked baggage loss | $500 | $750 | $1000 | $1000 |
| Passport loss | $250 | $250 | $250 | $250 |
| Personal Liability | $100,000 | $150,000 | $200,000 | $500,000 |
| Flight delays | NA | $10 per 12 hrs | $10 per 12 hrs | $10 per 12hrs |
| Hijack | NA | $100 per day | $100 per day | $100 per day |
| Emergency Cash advance | $500 | $750 | $1000 | $1500 |
| Fraudulent charge | $500 | $500 | $1000 | $2000 |
| Home burglary | ₹ 1 Lakh | ₹ 1 Lakh | ₹ 2 Lakh | ₹ 2 Lakh |
| Trip cancellation | $500 | $500 | $750 | $1000 |
| Trip curtailment | $500 | $500 | $750 | $1000 |
| Missed flight connection | $500 | $500 | $750 | $1000 |
| Bounced booking for Hotel / Airline | $500 | $500 | $750 | $1000 |
- Medical evacuation and the return of remains are both covered by the medical expense. The maximum cover in a hijack situation is $500.
- The most that will be covered in cases of flight delays is $100.
Exclusions under the TATA AIG Travel Guard Travel Insurance Plans
The following expenses are not covered by the Tata AIG travel guard policy:
- If the insured travels against a doctor’s recommendation
- current conditions and difficulties associated to them
- The cost of travelling for medical care is not covered.
- Cost of the COVID-19 test, whether it was required by law or was taken willingly
- Suicide and suicide attempts are not mentioned.
- Terrorism, conflict, illegal activity, risky sports, etc.
How to file a claim for TATA AIG Travel Insurance Plans?
To submit a claim for the TATA AIG Travel Insurance coverage, just follow these easy steps:
- Inform the business as soon as possible following any incidence of this nature using the methods described above.
- submission of the completed claim form and all necessary supporting documentation.
- If the company requests it, resubmit any additional documents or answer to any inquiries it may have.
- Payment was made in accordance with the insured person’s instructions.
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How to Buy TATA AIG Travel Insurance Plans?
To purchase TATA AIG Travel Insurance Plans, you can follow these steps:
- Visit the TATA AIG official website: Go to the TATA AIG website (www.tataaig.com) using a web browser.
- Navigate to the Travel Insurance section: Locate the “Travel Insurance” section on the website. Usually, this can be found in the insurance products or services menu.
- Choose the type of travel insurance: Select the type of travel insurance plan that suits your requirements. TATA AIG offers various options such as individual travel insurance, family travel insurance, student travel insurance, etc. Choose the one that best fits your needs.
- Enter travel details: Provide the necessary travel details, including the destination, travel dates, and number of travelers. This information is essential for calculating the premium and coverage.
- Select coverage options: Choose the coverage options you desire, such as medical expenses, trip cancellation/interruption, baggage loss, personal accident, etc. TATA AIG offers different coverage levels, so select the one that meets your preferences.
- Calculate the premium: Use the online premium calculator available on the website to get an estimate of the premium amount based on the selected coverage options and travel details.
- Customize the plan: Depending on the selected plan, you may have options to customize certain aspects. This could include adding additional coverage or opting for higher coverage limits. Customize the plan according to your preferences.
- Review the policy details: Carefully review the policy details, including the coverage, terms and conditions, policy period, and any applicable exclusions or limitations. Ensure that you understand the policy thoroughly.
- Provide personal information: Enter your personal details, such as name, contact information, and email address. These details are necessary for processing the policy and sending the policy documents.
- Make the payment: Choose the preferred payment mode (credit/debit card, net banking, etc.) and complete the payment process to purchase the travel insurance plan. Make sure to provide accurate payment information.
- Receive policy documents: Once the payment is confirmed, TATA AIG will generate the policy documents. These will be sent to your registered email address. Save a copy of the policy documents for future reference.
FAQ – Tata AIG Travel Insurance
What is AIG travel insurance?
The Travel Guard plans from AIG provide coverage in the event that you must postpone or cancel your vacation due to a sickness, accident, or death in the family. All Travel Guard policies also cover bad weather that results in a trip delay or cancellation.
What is the claim settlement ratio for Tata AIG travel insurance?
All of the Tata AIG health insurance plans provide simple claim submission and adjudication. With a 96% health claim settlement percentage, TATA AIG General Insurance Company offers ample assurance for customers to purchase health insurance.
How can I claim Tata AIG travel guard policy?
For claims of reimbursement:
You can email general.claims@tataaig.com, phone the registered number 1800-266-7780 (toll-free), or call 022-66939500 or 1800-22 9966 (only for senior policyholders).
How many days for Tata AIG travel insurance?
In general, you should purchase travel insurance within fourteen days after making your reservation for your vacation. The optimal time to purchase travel insurance, however, should fall on the same day as your first plans and payment for your trip, such as a plane ticket.