TATA AIG Travel Insurance

Overview

Tata AIG is India’s best general insurance company it is a joint venture of Tata group of companies and American International group. They work on customer lines and commercial lines. This policy is a simple and hassle free process, with less paperwork. They provide wonderful travel policies which are cost efficient and have global coverage. It is the only insurance company in India with an excellent position and has an astonishing reach in travel; insurance. The headquarters is located in Mumbai. Their branches are located in Ahmadabad, Bangalore, Chennai, Goa, Hyderabad, Kolkata and Pune. They provide services in both online and offline mode. Their vision is to provide claim settlement in a simple way. This company ask for minimum documentation and requires less paperwork. The company values feedback and reviews from customers. In addition they provide health insurance, car insurance, domestic property insurance and travel insurance.  They provide third party insurance in travel insurance. Travelling to many places is a life time dream for many people. But due to some unfortunate reasons we are not able to travel. But Tata AIG insurance offers insurance policies at your convenience. In this article we can see the wonderful features of Tata AIG.

International travel insurance policy

This policy has excellent features. It is used to deal with problems caused due to unforeseen situation. It has single trip and multi trip features. Both are available up to 70 years. You can have compensation of medical treatment and compensation of dental treatment, you can recover your lost passport, lost baggage and you can prevent the occurrence of extra caused due to flight. You can also recover your lost wallet. There is silver, silver plus, gold, platinum, multi silver plus, multi trip platinum. This plan is valid from 6 months of age to 70 years of age.

Student plan

This plan is very useful for students who are studying abroad. From 16 years of age to 35. It can be renewed till the age of 35. This policy has plan A, plan B, ultimate, ultimate plus and supreme. They provide compensation for treatment of pre existing disease, childcare, maternity benefits, treatment of cancer and nervous disorders and physiotherapy.

Domestic travel insurance

This plan is specially meant for travel within India. By road, rail and flight. They provide financial assistance during flight cancellation, delays and accidents. They provide compensation during medical emergencies; provide compensation of missed flight, lost baggage, recovery of lost tickets. And they provide fund for medical evaluation and provide family transportation charge up to 15,000.

Senior citizens insurance:

They provide financial assistance for senior citizens who are above 71 years of age. They provide medical fund assistance, dental treatment compensation and emergency medical evaluation.

Features of Tata AIG travel insurance

Tata AIG travel insurance has several characteristic feature they have a wide range of feature. Tata AIG travel insurance has a wide coverage they offer travel insurance to all the parts of the country. They are easily customizable they are available for all age group. And the policy can be altered easily according to our comfort. Wonderful policies are exclusively designed for European and Asian countries which provide a fantastic travel experience for the travellers. Travel insurance is offered for all countries except Japan. Wonderful policies are available for both individual and family. If you have not lodged any claim for a certain period of years you can avail your cashless claim from any of network hospitals of Tata AIG during medical emergencies. Medical check up is a very time consuming process before travelling, according to Tata AIG  travel insurance medical check up is not required for people below the age of 70. But after the age of 70 it is required. Tata AIG offers 24×7 services you can contact the employers any time. Claims are solved very efficiently. The customers will be extremely satisfied with the service.

Exclusions of Tata AIG

Though Tata AIG travel insurance has a wide range of features and benefits they have a few exceptions. Medical examinations and treatments for already existing diseases like sugar, hypertension and much more cannot be compensated through this policy. If any accident or medical emergency is caused due to self injury, mental disorder, depression, venereal disease, HIV AIDS and suicide attempt is not covered under this policy. Any treatment related to childbirth, pregnancy, abortion and miscarriage are not provided by Tata AIG travel insurance but they are not excluded under student insurance.  If your passport is captured by customs or police then loss due to compensation is not provided by Tata AIG travel insurance. If war occurs in the region where you stay during the trip Tata AIG does not provide compensation for damages caused due to war. If any injury is caused because of the influence of alcohol or any other drug, the accidental charge compensation cannot be dealt with Tata AIG travel insurance. Travel to Haj, mansovar and travelling by ship is not covered under this policy.

Advantages of Tata AIG

Tata AIG travel insurance has several characteristic feature they have a wide range of feature. Tata AIG travel insurance has a wide coverage they offer travel insurance to all the parts of the country. They are easily customizable they are available for all age group. And the policy can be altered easily according to our comfort. Wonderful policies are exclusively designed for European and Asian countries which provide a fantastic travel experience for the travellers. Travel insurance is offered for all countries except Japan. Wonderful policies are available for both individual and family. If you have not lodged any claim for a certain period of years you can avail your cashless claim from any of network hospitals of Tata AIG during medical emergencies. Medical check up is a very time consuming process before travelling, according to Tata AIG travel insurance medical check up is not required for people below the age of 70. But after the age of 70 it is required. Tata AIG offers 24×7 services you can contact the employers any time. Claims are solved very efficiently. The customers will be extremely satisfied with the service.

Claims process of Tata AIG

Solving your claim is a very easy process Tata AIG. It is very less time consuming. Your claims are solved very early. Initially you need to fill the duly signed claims form from the website. You can mail your query and claim at tata.AIG@AIG.com. You can even visit the nearby office to solve your claims in person. Or you can call them at 18002667780, 1800119966, and 1800229966. There are certain documents which are required are

Medical expenses

For claims process due to medical expenses you need to submit, policy form, copy of passport, admission form, discharge form, original form, copy of ticket and boarding pass, doctor’s report and x-ray report.

Accidental death

In case of accidental death you need to submit, claims form, policy copy, death certificate, post mortem report, report of doctor and copy of FIR.

Loss of checked in baggage

If you have checked in and have lost your belongings you need to submit, claims form, copy of your passport, copy of correspondence with airlines, list of products in baggage, policy copy and proper irregularity report from the airline.

Delay of checked in baggage

 If you have checked in and your luggage has been delayed you need to submit, claims form, copy of your passport, copy of correspondence with airlines, list of products in baggage, invoice copy, policy copy and proper irregularity report from the airline.

Loss of passport

If you have lost your passport you need to have copy of new passport, claims form, copy of FIR, invoice copy and policy copy.

Medical evaluation

For medical evaluation you should submit claims form, policy copy, doctor’s copy, invoice receipt and medical reports.

Compassionate visit

Original bills, doctor report, policy copy, copy of passport and claims form

Coverage of Tata AIG

Medical cover

This cover provides compensation for all the medical treatment which is caused during travel. They have compensation for treatment charge, test of certain diseases, covid test and in-patient charge. They have cashless claim in the network hospitals. They are very useful during emergency situations. They also provide the amount required for medical evaluation before travel. The medical evaluation is more efficient and completed in a less span of time.

Trip cancelation cover

If any of your family member or yourself is in a situation to cancel the trip you can claim for refund through this cover

Lockdown extension

If lockdown is extended due to corona pandemic. You can definitely extend the date.

Baggage recovery

In case you have lost your luggage or your luggage has not come after checking in. In case your property is lost you can recover your lost property.

Passport coverage

While travelling if you have misplaced your passport you can recover your passport at the earliest.

Third party coverage

If any damage has been caused to the third party and you are unable to repay them.  This policy provides compensation to the third party.

Flight delay

Due to unfortunate reasons your flight gets delayed, it prevents the loss which is caused due to flight delay.

Medical emergency and evaluation cover

In certain cases in which sudden medical emergency occurs and you have no finances. This policy provides you with financial assistance and also provides assistance for medical evaluation during emergency situation

Students insurance

Students who study abroad will get the unused tuition fee back. This can be used for future purposes.

Hijack allowance

Unfortunately if your flight is hijacked by a group of people while travelling this provides compensation

Home burglary

At your home town if you’re personal belongings are robbed by someone. It is compensated by this policy

FAQ’S of Tata AIG travel insurance policy.

What is the need of travel insurance?

Travelling to many places is definitely a wonderful and great experience. It refreshes your mind. But the cost of visiting foreign countries is very high. And various problems occur during travel like medical and financial emergencies which can only be dealt with an insurance policy. You definitely need to choose the best travel policy. It should be effective, should solve problems very fast, must have global coverage, good medical coverage and should be useful for students. The insurance policy has to be chosen wisely by every individual while considering the following. They must take a day or two to carefully decide on the policy. And choose which policy is effective for them. The policy should definitely give value them. You need to choose the policy which suits your situation and family. You need to choose travel insurance based on economic situation, medical status, family situation and country your visiting.

When I file my claim?

You can file the claim as soon as the policy as soon as the cover is active

What happens if your tour is extended?

If your tour is extended and it is not your fault. You can receive your coverage with the fixed amount.

What is the claims process?

You can claim either through telephone by calling these numbers 18002667780, 1800119966, and 1800229966 or mailing your query at tataAIG@AIG.com. Or you can visit the branch office at your locality. And fill the application form. Your claim will be resolved efficiently.

What are the medical benefits?

They have various medical schemes which provide financial assistance during medical emergencies caused due to accidents or any other health issue. They even provide compensation for dental treatment. And provide assistance for treatment of corona virus. In case you are unable to undergo medical evaluation this policy provides efficient medical evaluation during emergencies.

Is loss of passport covered?

In case you have lost your passport, while travelling you can claim for new passport and receive a new one through this. You are provided with a new passport within a short span of time. It is less time consuming and has less paper work. You can renew your passport at the earliest without having stress.

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