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Multiple Countries
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*COVID-19 covered for International Travel Only
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COVID-19 Covered
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Prices starting at 40.82 Per Day
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Instant Policy-No Medical Test
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Killer Prices for India Travel

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Travel Insurance With COVID-19 Covered*

Start Every Journey With A Travel Insurance Plan!

The easiest way for us to experience the world is through travel. You may be heading out on holiday with loved ones, leaving the nest to further your education, or attending an important conference for work. Whatever the reason, we’re sure you’d like to enjoy hassle-free travel. Sadly, we all know that there’s a possibility for something to go horribly wrong. A passport could be stolen, luggage might be lost or misplaced, and a delay could lead to a missed transit flight. Dealing with any of these problems is demanding not only emotionally and physically, but also financially.

This is precisely why it’s crucial to secure your travel with TATA AIG travel insurance. We have specialized plans that will look after you when you’re travelling domestically or abroad. Our plans will help you deal with whatever situation comes your way. We understand that students and senior citizens have unique needs. So, we’ve introduced plans engineered to meet their requirements. With our plans, you can travel safely even in a pandemic. If you’re abroad and happen to fall sick or test positive for COVID-19 & need hospitalization , our International Travel Insurance Plans are built with Medical & Sickness Cover of Upto $5,00,000 will help take care of the cost of the treatment & protect you, As a result our plans are fondly remembered by our patrons as Travel Medical Insurance. With TATA AIG, you can enjoy your travel without any worries!

*Tata AIG offers coverage for medical expenses related to COVID – 19 when the insured is outside India. Policy T&C apply

What Is Travel Insurance?

Let’s get you started on your travel insurance journey!

Picture this – you’re about to set off on an exciting holiday. You’ve got your travel visa, your tickets, hotel bookings and everything else in order. You land at your destination and find that your luggage has been misplaced. Or worse, you’re the victim of theft and you are left in a foreign country without your passport or any cash! Dealing with these situations can be expensive and difficult – especially if you’re in a country where you don’t speak the language. But that’s precisely why travel insurance is so crucial!

Travel insurance is a unique product that offers you financial help in case something were to go wrong while you’re travelling. It covers a range of scenarios, including medical and dental emergencies, theft of your money or passport loss, flight cancellation and misplaced or lost luggage.

Depending on where you’re going, the purpose of your visit and how often you travel, you can select a travel insurance policy that best suits your needs. A single-trip travel insurance plan is ideal if you’re travelling domestically or internationally and only travel once in a while. If you travel often for work, you may want to opt for a multi-trip travel insurance plan or an annual travel insurance plan. This way, you can save on the hassle of applying for a new travel insurance policy before each trip. We also offer customised plans for senior citizens and students who are heading abroad to continue their education. No matter what your travel needs, we’ll find a travel insurance policy for you

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Features Of TATA AIG Travel Insurance

Our Travel Insurance Policy Will Help You Take Care Of A Number Of Situations!

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How is COVID-19 Covered

How is COVID-19 Covered

  • Accident & Sickness Medical Expense Under the Accident & Sickness Medical Expense, Travel insurance with COVID-19 covered compensates for the medical expenses incurred by the insured because of being diagnosed with COVID-19 outside the Republic of India during the trip duration & is hospitalized. The policy provides coverage against Medical expenses upto the limit mentioned in the policy schedule.

  • Trip Cancellation Compensation benefit under Trip Cancellation is offered if the insured, the insured’s Travel Companion or The Immediate family of the insured or the Insured’s Travel Companion are diagnosed with COVID-19 before commencing his/her international trip. We will reimburse you the unused and non-refundable amount of your prior bookings, such as hotel booking, ticket’s cost .You would be eligible for these benefits only if you booked and paid for such services before being diagnosed with COVID-19.

  • Trip Curtailment/Interruption Benefits If you are travelling with Travel insurance with COVID-19 covered and you, your Travel Companion, your immediate family or your Travel companion’s immediate family are diagnosed with COVID-19 during your trip, as a result of which, your trip has to be cut short, we will reimburse the trip interruption expenses. These expenses will be inclusive of the pre-paid and unused portion of travel and accommodation expenses, which are non-refundable; additional accommodation and travel expenses incurred due to trip interruption, subject to the sum insured limit.

  • Automatic extension The travel insurance policy is automatically extended for a period of 7 days if a lockdown is imposed in the destination country and no alternative mode of transport is available. Subject to Terms & conditions.

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Baggage Covers

Baggage Covers

Landing up somewhere without your personal belongings can be a harrowing experience. We make it easier to manage with these covers:
  • Delayed Baggage Almost everybody has a story about a time when they travelled and their luggage was accidentally sent elsewhere or unnecessarily delayed. If this happens and you have our travel insurance policy, you can rest easy. Your travel insurance plan will help cover the cost of any necessary personal items that you need to purchase until your bag can reach you.

  • Lost Baggage Having your baggage delayed is one thing, but if your bag is lost or stolen, managing the situation can be incredibly difficult. Luckily, our travel insurance policy can help you deal with this issue. Depending on the travel insurance policy terms, we will help reimburse you for the items in your luggage.

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Journey Covers

Journey Covers

A delayed or cancelled flight could wreak havoc on your itinerary. We cannot make up for lost time, but these covers will help you deal with the financial loss.
  • Lost Passport Obtaining a new passport in a foreign country isn’t always easy. Your international travel insurance policy will help you with the necessary and reasonable expenses that are attached to getting a new passport made.

  • Assistance While Travelling If things go a bit wrong when you’re out of the city, you may need some assistance. Our travel insurance plan will help provide you with all necessary assistance required, right from legal help to getting lost luggage and passports replaced. Our travel policy will even help with emergency travel services, cash transfers and advances.

  • Personal Liability Accidents can happen at any time under any circumstance. If you happen to be involved in an accident where somebody else is harmed or injured, it could cost you quite dearly. Our travel insurance policy will help cover any damage caused to any third-party individual or property while you’re travelling. It’s important to remember that the travel policy will not cover your family members or individuals who live with you.

  • Hijack Help Our travel insurance policy will offer something known as distress allowance in case the flight that you’re travelling on is hijacked.

  • Delayed Flights Bad weather or a local strike could delay your flight by more than 12 hours. If this is the case, you might have to book another night’s stay at a hotel or incur some other additional expenses. Our travel insurance policy will help you take care of these expenses if your flight happens to be delayed.

  • Policy Extension Your travel insurance policy term often depends on the length of your trip. But, there are certain situations in which your flight may be cancelled or delayed for several days. We will automatically extend the term of cover of our travel insurance policy for seven days in case your flight is cancelled or delayed and you don’t have any other travel options available.

  • Trip Curtailment or Cancellation In case there’s an emergency and you have to travel back or cancel your entire trip, don’t worry. Our travel insurance plan will reimburse you for any unused, non-refundable hotel and travel expenses.

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Medical Covers

Medical Covers

We can’t think of anything worse than having to get emergency medical treatment while you’re on holiday. Luckily, our travel insurance plans come with a medical cover for international travel as a result they are also known as Travel Medical Insurance due to the extensive medical coverage provided by them, Including protection for COVID-19*.
  • Medical Emergencies Your travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re travelling. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities. If you happen to fall ill or meet with an accident at the tail-end of your journey, you don’t have to worry. If you’re in hospital and your policy expires, we will continue to cover you for the next 60 days or until you are discharged, whichever is earlier.

  • Medical Evacuation Your travel insurance policy is your friend in times of need. If you require emergency medical evacuation to the nearest hospital, this policy will take care of that. In case you need to be evacuated and brought back to India for medical treatment, the travel insurance policy will look after that as well.

  • Accidental Death and Repatriation We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s travel insurance policy will provide your nominee with the full sum insured amount if this happens. We will also take care of the cost of repatriating the insured individual’s remains back to their city of residence.

  • Compassionate Visit If you need somebody to help you out when you’re in hospital, we’ll provide a two-way ticket for a family member to come and take care of you.

  • Interruption of Study If you’ve purchased a student travel insurance policy, this is especially for you. If have to interrupt your education because you or a family member are ill, we’ll reimburse you any unused tuition fee.

*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.

Advantages Of TATA AIG Travel Insurance

1

COVID-19 Covered

When you’re travelling abroad, we’ll help you take care of the cost of treatment for COVID-19 if you test positive in the middle of your trip.

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Affordable International Policies

Our travel insurance policies will not cost you too much. You can enjoy care-free travel for as little as INR 40.82 per day when you’re travelling internationally.

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Affordable Domestic Policies

Explore the many beauties scattered across India and get travel insurance cover for just INR 26 per day!

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Instant Policy Purchase

You can buy a TATA AIG travel insurance policy online with just a few easy clicks. We don’t need extensive paperwork on a health check-up!

What Our Customers Are Saying

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Average Rating 4.6/5 (Based On 34 Ratings)
Rajyasree Mallapuram
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"great site "

Deepali Boradia
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"Ease of doing business "

MEGHAMAHENDRABHAI NAYAK
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"Online policy, very fast and immediately policy certificate, great n superb experience "

Karthikeyani Bagirathinathan
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"The website is friendly and easy to use."

Abhishek Singh
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"Seamless experience"

Shivkumar Venkatraman
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"The buying of the policy had to wait till we received the Covid-19 Negative from diagnostics though we both have taken first and second Vaccination Doses. The buying process has been exceedingly convenient. Hope your claims payment (if at all we need any) is as good and fast as the buying of the policy has been. I TRUST in TATA AIG and have insured my cars too."

Chetan Narain
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"Really smooth...and great clean interface... God forbid we have to use the policy during travel...I hope the support for same is as good or better. "

Rameshkrishnaa Venkatesan
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"Value for money "

Phiroze Masters
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"User friendly site"

Rajeesh Pathayaparambil
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"Excellent"

akhil ahmed
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"all of it"

Samarth Nandish
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"Trust in TATA product. Keep the faith in the Indian customer."

Rajkumar Durairaj
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"Good"

Akshara Banukumar
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"Good"

ABIN MARYDASAN
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"ALL"

SHETASHSHASHINDRAN NAIR
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"ALL"

Dineshbhai Dhagat
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"all well"

NAGARAJA GAYAKAVADA
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"Good processing and excellent insurance"

DiljeetSingh Bhomrah
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"Good"

Jose Padathara
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"I am not sure if there is any other insurance company in india which is providing Covid 19 coverage for travel insurance "

Nanjappan K
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"Ease of processing very good. Policy document provided all the details given while filling the online application form "

ALBEN SIGAMANI
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"Best of the rest "

UMERFAROOQUE KOONARITHUMBATH
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"Easy and convenient "

Aditya Priyadarshi
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"Great Buying Experience "

Alen Joseph
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"its very fast, easy to get. No hassles"

Amritha Krishnamoorthy
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Read All Reviews

The Perfect Travel Insurance Plan 

Your travel insurance policy should provide you with exactly the kind of cover you need. This is why TATA AIG offers multiple travel insurance plans. We have specialised travel insurance policies for domestic and international travel. Additionally, we have customised travel insurance policies for senior citizens and students who are heading abroad to expand their horizons. Let’s take a look at what each travel insurance policy offers, so you can find the right one for you. To know what to look for in a Travel Insurance, check our Best Travel Insurance Plan Guide

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International Travel Insurance

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Travelling to a foreign country, whether for work or vacation, doesn’t have to be stressful. With our international travel insurance policies, you can rest easy knowing that we’ll help you out should anything go wrong. Right from small inconveniences, such as having your bag arrives late, to serious issues like medical emergencies and evacuation, TATA AIG’s international travel insurance plan will be with you at every step of the journey. We highly recommend this travel insurance policy for everybody headed outside the country. If you’re likely to make multiple trips in a single year, we recommend our multi-trip travel insurance plan.

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Domestic Travel Insurance

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Just because you aren’t travelling abroad, it doesn’t mean you don’t need travel insurance. This travel insurance plan will help you deal with various situations while you’re travelling across India. Right from reimbursing you for the cost of lost tickets to taking care of you after an accident while you’re out of town, this travel insurance policy is your ideal travel partner! If you travel very often, we recommend that you opt for our multi-trip travel insurance policy. This makes it easier for you to go on quick trips without having to apply for a new travel insurance plan each time.

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Student Travel Insurance

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We would like to support you as you follow your dreams. This is precisely why we’ve created a specialised student travel insurance policy. If you’re between the ages of 16 and 35 and you’re about to head abroad to further your education, this is the travel insurance plan for you. Apart from the usual travel insurance cover, this policy additionally provides cover for unique situations, such as reimbursing students the tuition fee if they’re unable to complete a semester due to a medical emergency. This travel insurance plan also provides cover for compassionate visits, ensuring you don’t have to be alone if you’re hospitalised!

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Senior Citizen Travel Insurance

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Why should young people have all the fun? Senior citizens over the age of 70 can travel and enjoy the world just as much as their children and grandchildren. Our senior citizen travel insurance policy has been created keeping their needs in mind. This travel insurance plan offers additional cover for medical emergencies, including dental coverage, emergency medical evacuation and the repatriation of remains.

What’s Covered Under TATA AIG Travel Insurance?

Let’s take a look at what cover you can expect under each TATA AIG travel insurance policy:

International
Domestic
Student
Senior Citizen
International
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Domestic
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What’s Not Covered By TATA AIG's Travel Insurance Plan?

Depending on the policy you have picked, some travel insurance exclusions may not apply to you. It’s always a good idea to check your travel insurance policy documents for a full list of inclusions and exclusions for your individual policy. Exclusions under our travel insurance plans fall under three categories:

Baggage Exclusions

  • Loss of baggage will not be covered in cases where you have shipped the items separately or before your travel date.
  • It will also not be covered in cases where your travel insurance policy does not cover the geographic region. For example, under a student travel insurance policy, if the bags are lost in India, it will be not be covered.
  • If you do not report that your luggage, documents or personal belongings have been stolen to the relevant authorities, you cannot make a legitimate claim for them against your travel insurance policy.

Journey Exclusions

Under certain circumstances, we will not be able to settle claims against your travel insurance policy. These circumstances include:

  • Involvement in illegal activities, including felony, theft, deceit or other malicious acts.
  • Participation in adventure sports, like skydiving, scuba diving, or mountain diving will not be covered under our travel insurance plans.
  • Undertaking manual labour or work that could potentially harm you or be dangerous for your health.

Medical Exclusions

Your claim request against your travel insurance plan will not be entertained if

  • You have travelled against the advice of your doctor
  • You suffer from a complication or require assistance due to a pre-existing health condition
  • You have injuries that are self-inflicted
  • Your claim is for pregnancy or a related issue, including birth control or surgical procedures
  • The issue is related to a sexually transmitted disease, mental disorder, and injuries due to the consumption of alcohol or drugs that were not medically prescribed.

Did Not Find What You Were Looking For?

When, Where And How To Choose Travel Insurance?

Purchasing a travel insurance policy requires a lot of thought and consideration. To help you with your decision, here’s a look at some important factors you must consider before choosing a travel insurance policy:

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Destination

Your travel insurance policy will depend largely on your destination. For starters, you must decide whether you’re travelling internationally or domestically. Based on this, you can narrow down your options. If you’re travelling internationally, it’s important that you check the travel insurance requirement of various countries. For example, certain countries will not issue you a travel visa unless you can show that you have sufficient cover in your travel insurance policy.

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Travel Frequency

The kind of travel insurance policy you buy will depend on how often you intend to travel. If you travel very frequently, a multi-trip travel insurance plan might be ideal for you. These plans allow you to enjoy multiple trips without you having to apply for a new travel insurance policy each time. On the other hand, if you only travel once in a while, then a single trip travel insurance policy might be better for you. You can easily apply for your travel insurance policy online and have it issued without the need for a pre-policy check-up.

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Duration Of The Trip

While picking a travel insurance plan, you must keep the length of your trip in mind. It’s a good idea to pick a travel insurance policy of a duration that slightly exceeds your actual trip dates. Ideally, you should be able to find a plan that offers cover for more days without it affecting your premium. This way, if you have to extend your trip for a few days, you don’t risk losing your cover.

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People Travelling

If you’re travelling alone, you can purchase a travel insurance policy just for yourself without any worries. If you’re travelling with your family, you should add each member to your insurance policy. Make sure you tell us how many of you are travelling before you purchase the policy and we’ll do the needful. This makes it much easier for you to keep track of everybody’s paperwork.

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Claim Limit

This is possibly one of the most important factors that will influence your decision. Every travel insurance policy has a limit as to how much they will pay for various claims. For example, you will receive a specified sum in case your bags are lost or stolen. Even in medical emergencies, you must keep your sum insured amount and claim limit in mind. If you have a low claim limit, it may not be enough to take care of all kinds of medical emergencies while you’re travelling. Depending on where you’re going and how long you’re travelling for, you should pick a suitable sum insured for your travel insurance policy. A higher sum insured will lead to a higher premium, but it will come in handy if you require to file a claim while you’re travelling.

How To Buy Travel Insurance Online?

Purchasing a travel insurance policy requires a lot of thought and consideration. To help you with your decision, here’s a look at some important factors you must consider before choosing a travel insurance policy: To understand the factors that effect your travel insurance premium, check our Travel Insurance Premium Calculator

1
Visit The TATA AIG Travel Insurance Website

If you like, you can read about our various plans and take a look at what each offers. Or, you can decide to purchase travel insurance right away.

2
Pick In Your Travel Destination And Dates Of Travel

If you’re heading to multiple cities or countries, don’t worry. We offer plans for that as well. Type in all the countries or cities you’re visiting and how long you’ll be travelling for. We’ll use this information to curate the best travel insurance policy options for you.

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Add All The Travellers And Their Ages

If you’re travelling alone, you just need to enter your date of birth. If you’re travelling with family members, you can add them to the same travel insurance policy. You have the option to add your spouse, children and parents to the policy as well. Let us know who you’re travelling with and their dates of birth as well.

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Pick The Right Policy

Depending on your needs, we’ll curate three plans for you. If you aren’t sure how the plans differ, you can use our ‘Compare’ option to see what kind of additional benefits or different sums insured each travel insurance plan offers. If you’re concerned about the cost, you can also view our premium break-up, so you know exactly what you’re paying for. After comparing the plans, you can pick the one that best fits your needs.

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Make the Payment

The last thing you need to do is provide us with a few more details and pay the premium amount. The minute you do this, we’ll issue your travel insurance policy and send a copy to your email inbox!

How Can I Make A Travel Insurance Claim?

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Domestic Claim
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International Claim (Non America Travel)
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International Claim (America Travel)

For Policies that Cover Only India Travel
Give us a call on +1 800 11 99 66 from BSNL/MTNL Landline
Call these local helpline numbers in your respective cities from any other line:
Mumbai - 66939500
Pune – 66014156
Delhi – 66603500
Bangalore – 66272829
Chennai – 66841050
Hyderabad – 66629882
Ahmedabad – 66610201
If you are a senior citizen, give us a call on + 1 800 22 99 66
Or, send an email to general.claims@tataaig.com

How Can I Make A Travel Insurance Claim?

Domestic Claim

Domestic Claim

For Policies that Cover Only India Travel
Give us a call on +1 800 11 99 66 from BSNL/MTNL Landline
Call these local helpline numbers in your respective cities from any other line:
Mumbai - 66939500
Pune – 66014156
Delhi – 66603500
Bangalore – 66272829
Chennai – 66841050
Hyderabad – 66629882
Ahmedabad – 66610201
If you are a senior citizen, give us a call on + 1 800 22 99 66
Or, send an email to general.claims@tataaig.com

International Claim (Non America Travel)

International Claim (Non America Travel)

For Non - Americas Policies:

International Claim (America Travel)

International Claim (America Travel)

For Americas Policies Number

Frequently Asked Questions

Policy Related

Service Related

Why do I need travel insurance?

Going on holiday can be a lot of fun, but a single misstep or mishap could completely ruin a perfectly good vacation. Your travel insurance policy will help protect you and provide you with assistance in case things don’t go as planned while you’re travelling. Right from reimbursing you for lost luggage to helping you pay for medical bills in a foreign country, a travel insurance policy will help you deal with all kinds of emergency situations.

What is the best travel insurance policy?

This depends entirely on your needs. If you only intend on taking one trip a year, you might find that a single-trip policy best suits your needs. On the other hand, if you travel incredibly often for work, you might find that a multi-trip or annual policy is the best travel insurance plan for you.

Does the TATA AIG travel insurance policy some with a free-look period?

We offer a free-look period on our annual and multi-trip travel insurance plans. If you purchase a single-trip travel insurance policy, we cannot offer a free-look period.

Do I get a grace period for my travel insurance policy?

Absolutely! You can get in touch with our customer care team by calling our toll-free number, 1 800 266 7780 or by sending an email to customersupport@tataaig.com and they’ll take you through the process.

Can I buy travel insurance after leaving the country?

Sadly, no. Your travel insurance policy purchase date and the date from which the policy commences must be before the date on which you plan to start your trip. So, you must buy your travel insurance before you leave the country.

Will pre-existing diseases be covered under my travel insurance policy?

In most scenarios, any treatment related to a pre-existing illness or complications that arise due to pre-existing conditions is not covered under our travel insurance plans. But, we understand that needing help while you’re abroad can be frightening. If you’re in a life-threatening situation, we’ll provide you with cover up to USD 1,500

How do I check the status of my travel insurance policy?

At TATA AIG, we issue our travel insurance policies instantly. Once your policy is issued, you can call our customer support team on 1 800 266 7780 if you’d like any further assistance.

What happens if my claim is rejected?

There are a number of situations in which claims against your travel insurance policy might be rejected. If this happens, we will inform you of the reason why your travel insurance claim has been rejected. You are free to raise another ticket if you’d like us to revaluate our decision.

How do I make a claim against my travel insurance?

Making a claim is easy. You can choose to make the claim online by visiting the TATA AIG website and filling up the requisite travel insurance claim form. If you are unable to make a claim online, you can check your policy documents for our toll-free support centre numbers. Depending on where you are, you can call the number and inform us about the details of your travel insurance claim. Our customer service executives will talk you through the entire process.

Understanding Travel Insurance Terminology

  • Accident Any unplanned mishap that happens due to no fault of the insured or others. It could lead to injury or a fatality.
  • Act of Terrorism Any act of violence from an individual attempting to gain control of or overthrow a government that leads to major damage or loss of life.
  • Common Carrier Any commercial individual or organisation that deals in the movement of people and goods from one place to another, such as a commercial airline.
  • Condition Precedent A condition upon which the insurance provider agrees to provide cover.
  • Congenital Anomaly Any condition that is present in the insured individual since birth and is considered to be abnormal in structure, form or position.
  • Deductible A deductible is a small amount that the insured individual is required to pay every time they file a claim against their international student travel insurance policy.
  • Disease/Illness Any pathological condition that impairs your body’s normal physiological functions. For cover, the disease or illness should show first signs or symptoms while the policy is in effect and should require medical treatment.
  • Educational Institution A school, vocational institute, college, polytechnic, university or institute of higher learning that has the license to provide educational services by trained or qualified teachers and where the inured individual is a full-time student.
  • Equipment Failure A sudden or unforeseen breakdown of the common carrier’s equipment, which results in a delay or interruption of the insured’s scheduled trip.
  • Free Look Period A period of 15 days, from the day the insured receives the policy documents for a student travel insurance policy. During this time, the insured can look over the documents and choose to cancel the policy without incurring substantial cancellation charges.
  • Grace Period A specific period of time, immediately following the premium due date, during which the insured can still pay the premium and continue to enjoy continuity benefits of getting cover.
  • Hospitalisation Any instance in which the insured individual has to be admitted into a hospital for a minimum of 24 hours to receive treatment.
  • Immediate Family Member An immediate family member refers to the insured’s legal spouse, siblings, siblings-in-law, legal children, parents, parents-in-law, legal guardian, and step-parents who reside in India.
  • Inclement Weather Severe weather conditions, such as storms, that delay the scheduled arrivals or departures of common carriers.
  • Inpatient/Inpatient Care Any treatment for which an individual needs to stay in a hospital for over 24 hours for a covered event.
  • Insured Journey This refers to any trip that the insured individual takes within the policy term. It commences once the individual boards the aircraft for an onward journey and expires on their arrival back to their city or town of residence or when the policy is set to expire – whichever is earlier.
  • Insured Period(s) This refers to the period of time, starting with the effective date and ending with the end date declared in the policy documents, during which the insured individual can get cover for their travel.
  • Insured Person The individual, who is a permanent resident of India, and has purchased a travel insurance policy from us.
  • Land/Sea Arrangements All pre-paid travel arrangements made for a scheduled trip or cruise for which insurance has been purchased and is arranged by a tour operator, travel agent, cruise line or other organisation.
  • Medical Advise A consultation or advice received from a medical practitioner, including the issue of any prescriptions.
  • Medical Expenses Expenses that the insured individual has incurred due to an illness or required medical treatment on the advice of a qualified medical practitioner.
    • Medically Necessary Any treatments, tests or hospital stays that are required for the medical management of an illness on the advice of a qualified medical practitioner.
    • Nervous Disorder A central nervous system disorder that requires the insured person to incur certain covered medical expenses.
    • Notification of Claim The process by which the insured individual informs the insurance provider or their TPA that they require to make a claim against the policy.
    • Pre-Existing Condition Any ailment, injury or related condition for which you have been diagnosed or had symptoms of or received treatment for in the 48 months prior to the date when the trip is scheduled to start.
    • Professional Sports Any sport that the insured plays for which they receive remuneration that makes up 50% or more of their livelihood.
    • Reasonable Additional Expense Expenses for services or supplies that are absolutely necessary due to an illness or injury.
    • Reasonable and Customary Charges Standard charges for services or supplies that the insured is required to pay to get the required help or treatment.
    • Room Rent The amount that a hospital or medical facility charges per day for an individual to occupy a bed.
    • Single Trip Insurance A single given trip that is specified on the policy schedule with a beginning date and an expiration date.
    • Scheduled Airline Any civilian aircraft that is operated by a civilian air carrier that holds a valid certificate, license or similar authorisation from the country’s aircraft registry. The airline must carry out all operations in accordance with the country’s rules and regulations.
    • Serious Injury or Sickness Any injury that a qualified physician declares to be dangerous to the insured’s life.
    • Sickness Any illness that first showed symptoms or was contracted after the policy has come into effect.
    • Sound Natural Teeth Natural teeth that have not been altered in any way or simply restored to their normal function. The restored teeth should be disease- and decay-free and should not be more susceptible to injury or damage than unaltered natural teeth.
    • Sponsor The individual responsible for paying the tuition fee for the insured individual while they are studying at an educational institution outside their home country.
    • Strike Labour disagreements that end up interfering with the normal arrivals and departures of common carriers as per the definitions offered by the authorities of each respective country.
    • Subrogation Any situation in which the insurance provider, on behalf of the insured individual, takes legal action against a third party that caused injury or loss to the insured.
    • Sub-limits Sub-limit refers to the maximum amount that the insured individual will receive for any particular claim as per the amounts provided in the policy schedule. For certain claims, there is no sub-limit and the maximum sum insured can be paid.
    • Sum Insured The maximum amount of coverage your international student travel insurance provider will have to pay in case of various injuries or loss.
    • Travelling Companion Refers to two named individuals who are booked to travel along with the insured on the trip.
    • Trip Any insured journey that the insured individual takes during the course of the policy term. The journey must start and end in India and should be to a destination outside of India.
    • Tuition All legally required registration fees charged by an accredited educational institution for the required courses and any laboratory or extra-curricular course fee as well. This does not include the costs associated with purchasing text books, learning materials or boarding and lodging.
    • Unproven/Experimental Treatment that does not have an established medical practice, including drug experimental therapy.

Glossary 1

  • Accident Any unplanned mishap that happens due to no fault of the insured or others. It could lead to injury or a fatality.
  • Act of Terrorism Any act of violence from an individual attempting to gain control of or overthrow a government that leads to major damage or loss of life.
  • Common Carrier Any commercial individual or organisation that deals in the movement of people and goods from one place to another, such as a commercial airline.
  • Condition Precedent A condition upon which the insurance provider agrees to provide cover.
  • Congenital Anomaly Any condition that is present in the insured individual since birth and is considered to be abnormal in structure, form or position.
  • Deductible A deductible is a small amount that the insured individual is required to pay every time they file a claim against their international student travel insurance policy.
  • Disease/Illness Any pathological condition that impairs your body’s normal physiological functions. For cover, the disease or illness should show first signs or symptoms while the policy is in effect and should require medical treatment.
  • Educational Institution A school, vocational institute, college, polytechnic, university or institute of higher learning that has the license to provide educational services by trained or qualified teachers and where the inured individual is a full-time student.
  • Equipment Failure A sudden or unforeseen breakdown of the common carrier’s equipment, which results in a delay or interruption of the insured’s scheduled trip.
  • Free Look Period A period of 15 days, from the day the insured receives the policy documents for a student travel insurance policy. During this time, the insured can look over the documents and choose to cancel the policy without incurring substantial cancellation charges.
  • Grace Period A specific period of time, immediately following the premium due date, during which the insured can still pay the premium and continue to enjoy continuity benefits of getting cover.
  • Hospitalisation Any instance in which the insured individual has to be admitted into a hospital for a minimum of 24 hours to receive treatment.
  • Immediate Family Member An immediate family member refers to the insured’s legal spouse, siblings, siblings-in-law, legal children, parents, parents-in-law, legal guardian, and step-parents who reside in India.
  • Inclement Weather Severe weather conditions, such as storms, that delay the scheduled arrivals or departures of common carriers.
  • Inpatient/Inpatient Care Any treatment for which an individual needs to stay in a hospital for over 24 hours for a covered event.
  • Insured Journey This refers to any trip that the insured individual takes within the policy term. It commences once the individual boards the aircraft for an onward journey and expires on their arrival back to their city or town of residence or when the policy is set to expire – whichever is earlier.
  • Insured Period(s) This refers to the period of time, starting with the effective date and ending with the end date declared in the policy documents, during which the insured individual can get cover for their travel.
  • Insured Person The individual, who is a permanent resident of India, and has purchased a travel insurance policy from us.
  • Land/Sea Arrangements All pre-paid travel arrangements made for a scheduled trip or cruise for which insurance has been purchased and is arranged by a tour operator, travel agent, cruise line or other organisation.
  • Medical Advise A consultation or advice received from a medical practitioner, including the issue of any prescriptions.
  • Medical Expenses Expenses that the insured individual has incurred due to an illness or required medical treatment on the advice of a qualified medical practitioner.

Glossary 2

  • Medically Necessary Any treatments, tests or hospital stays that are required for the medical management of an illness on the advice of a qualified medical practitioner.
  • Nervous Disorder A central nervous system disorder that requires the insured person to incur certain covered medical expenses.
  • Notification of Claim The process by which the insured individual informs the insurance provider or their TPA that they require to make a claim against the policy.
  • Pre-Existing Condition Any ailment, injury or related condition for which you have been diagnosed or had symptoms of or received treatment for in the 48 months prior to the date when the trip is scheduled to start.
  • Professional Sports Any sport that the insured plays for which they receive remuneration that makes up 50% or more of their livelihood.
  • Reasonable Additional Expense Expenses for services or supplies that are absolutely necessary due to an illness or injury.
  • Reasonable and Customary Charges Standard charges for services or supplies that the insured is required to pay to get the required help or treatment.
  • Room Rent The amount that a hospital or medical facility charges per day for an individual to occupy a bed.
  • Single Trip Insurance A single given trip that is specified on the policy schedule with a beginning date and an expiration date.
  • Scheduled Airline Any civilian aircraft that is operated by a civilian air carrier that holds a valid certificate, license or similar authorisation from the country’s aircraft registry. The airline must carry out all operations in accordance with the country’s rules and regulations.
  • Serious Injury or Sickness Any injury that a qualified physician declares to be dangerous to the insured’s life.
  • Sickness Any illness that first showed symptoms or was contracted after the policy has come into effect.
  • Sound Natural Teeth Natural teeth that have not been altered in any way or simply restored to their normal function. The restored teeth should be disease- and decay-free and should not be more susceptible to injury or damage than unaltered natural teeth.
  • Sponsor The individual responsible for paying the tuition fee for the insured individual while they are studying at an educational institution outside their home country.
  • Strike Labour disagreements that end up interfering with the normal arrivals and departures of common carriers as per the definitions offered by the authorities of each respective country.
  • Subrogation Any situation in which the insurance provider, on behalf of the insured individual, takes legal action against a third party that caused injury or loss to the insured.
  • Sub-limits Sub-limit refers to the maximum amount that the insured individual will receive for any particular claim as per the amounts provided in the policy schedule. For certain claims, there is no sub-limit and the maximum sum insured can be paid.
  • Sum Insured The maximum amount of coverage your international student travel insurance provider will have to pay in case of various injuries or loss.
  • Travelling Companion Refers to two named individuals who are booked to travel along with the insured on the trip.
  • Trip Any insured journey that the insured individual takes during the course of the policy term. The journey must start and end in India and should be to a destination outside of India.
  • Tuition All legally required registration fees charged by an accredited educational institution for the required courses and any laboratory or extra-curricular course fee as well. This does not include the costs associated with purchasing text books, learning materials or boarding and lodging.
  • Unproven/Experimental Treatment that does not have an established medical practice, including drug experimental therapy.
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