TATA Travel Guard
General Insurance Company Limited
Tata AIG General Insurance Company Limited is a joint venture between Tata Group and American International Group (AIG).The company offers a range of general insurance covers for businesses and individuals and has a comprehensive range of general insurance products for Liability, Marine Cargo, Personal Accident, Travel, Rural-Agriculture Insurance, Extended Warranty etc. Each product offering is backed by professional expertise. Tata AIG General Insurance Company Limited has an asset base of approximate 0.6 billion USD.
Toll Free - 1800 266 7780
This policy covers for medical treatment expenses including ancillary expenses like loss of passport, baggage loss etc and personal liability. The policy uses the services of a external service provider in the event of an emergency. This policy also has an inbuilt deductable amount which is applicable in all claims apart from accidental death.
Unique Features of TATA Travel Guard
Automatic extension of the policy upto 7 days
Higher dental cover/ Bounced hotel & airline booking. Available in all variants
Personal Liability cover in all plans
Comprehensive emergency medical evacuation cover
Fraudulent charges (payment card security)
Repatriation of mortal remains upto sum insured
Eligibility Criteria for TATA Travel Guard
| Product Name | Travel Guard | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Age of Entry | 180 days | ||||||||||||
| Maximum age of Entry | 100 years | ||||||||||||
| Renewal Age | Life Long Renewal (only on annual multitrip) | ||||||||||||
| Sum Insured | USD 50000/ 100000/250000/500000 | ||||||||||||
| Policy Tenure | 180 days( can be extended for further 180 days) | ||||||||||||
| Family Definition | Individual Plan | ||||||||||||
| Premium Calculated on Basis of | Age, Trip duration, Destination and Sum Insured | ||||||||||||
Product Benefits of TATA Travel Guard
| Single Trip | Annual Multi Trip | ||||||
| Benefits | Silver | Silver Plus | Gold | Platinum | Senior Plan | Gold | Platinum |
| Age Band | 6 Months-70 Years | 6 Months-70 Years | 6 Months-70 Years | 6 Months-70 Years | 71 Yrs and above | 19-70 Yrs and >71 yrs | 19-70 Yrs and >71 yrs |
| Sum(s) Insured in US $ | (Including and Excluding the Americas) | (Worldwide) | |||||
| Accidental Death and Dismemberment | 10,000 | 10,000 | 15,000 | 25,000 | 10,000 | 15,000 | 25,000 |
| Accidental Death and Dismemberment (Common Carrier) |
NA | 5,000 | 5,000 | 5,000 | NA | 5,000 | 5,000 |
| Accident and Sickness Medical Expenses | 50,000 | 100,000 | 250,000 | 500,000 | 50,000 | 250,000 | 500,000 |
| Deductible | 100 | ||||||
| Sickness Dental Relief | 300 | 400 | 500 | 1000 | 300 | 500 | 1000 |
| Deductible | 150 | ||||||
| Emergency Medical Evacuation Benefit | Available upto sum insured | ||||||
| Repatriation of Remains | |||||||
| Baggage Delay (After first 12 hrs.) | 50 | 100 | 200 | 500 | 50 | 100 | 200 |
| Checked Baggage Loss | 500 | 750 | 1000 | 1000 | 500 | 1000 | 1000 |
| Loss of Passport | 250 | 250 | 250 | 250 | 250 | 250 | 250 |
| Deductible | 30 | ||||||
| Personnal Liability Benefit | 100,000 | 150,000 | 200,000 | 500,000 | 100,000 | 200,000 | 200,000 |
| Deductible | 200 | ||||||
| Flight Delay | NA | Max 100 $ | Max 100 $ | Max 100 $ | NA | Max 100 $ | Max 100 $ |
| Hijack | NA | Max 500 $ | Max 500 $ | Max 500 $ | NA | Max 500 $ | Max 500 $ |
| Emergency cash advance | 500 | 750 | 1000 | 1500 | 500 | 1000 | 1500 |
| Fraudulent Charges (Payment Card Security) | 500 | 500 | 1000 | 2000 | NA | 1000 | 2000 |
| Home Burglary (in Rs) | Rs 100,000 | Rs 100,000 | Rs 200,000 | Rs 200,000 | NA | Rs 200,000 | Rs 200,000 |
| Trip Cancellation | 500 | 750 | 1000 | NA | 750 | 1000 | |
| Deductible | 50 | 75 | 100 | NA | 75 | 100 | |
| Trip Curtailment | 500 | 750 | 1000 | NA | 750 | 1000 | |
| Deductible | 50 | 75 | 100 | NA | 75 | 100 | |
| Missed Connection / Missed Departure | 500 | 750 | 1000 | NA | 750 | 1000 | |
| Deductible | 50 | 75 | 100 | NA | 75 | 100 | |
| Bounced Hotel / Airline booking | 500 | 750 | 1000 | NA | 750 | 1000 | |
| Deductible | 50 | 75 | 100 | NA | 75 | 100 | |
Exclusions for TATA Travel Guard
- 1. Insured Person is traveling against the advice of a Physician; or is travelling for the purpose of obtaining treatment.
- 2. Any Pre-existing Condition or any complication arising from it;
- 3. Suicide, attempted suicide(whether sane or insane) or intentionally self inflicted Injury or Illness, or sexually transmitted conditions, mental or nervous disorder, anxiety, stress or depression, Acquired Immuno Deficiency Syndrome (AIDS), Human Immunodeficiency Virus (HIV) infection
- 4. Serving in any branch of the Military or Armed Forces of any country, whether in peace or War
- 5. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens,
- 6. Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Airline;
- 7. Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy,
- 8. Performance of manual work for employment or any other potentially dangerous occupation,
- 9. Participation in winter sports, skydiving/ parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing,
- 10. Pregnancy and all related conditions. This however does not include ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the Physician
- 11. Any non medical expenses
Claim Process for TATA Travel Guard
Assistance service provider is to be informed in each & every medical treatment. Non Intimation may invalidate the claim.
Service Provider details
Assistance Details: While in India
Contact No: 1800 119966 from BSNL/MTNL Landline or 1800 22 9966
E Mail: general.claims@tata-aig.com
Assistance Details: While abroad
Contact No: +603-2118-0783 or +603-2118-0784
E Mail: TGAP.TATAclaims@aig.com
SMS: 'CLAIM' to 5616181