Australia Work Visa for Indians

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Australia Work Visa for Indians

For the last many years, employment opportunities in other countries have been growing, thanks to globalisation and several other factors. Australia attracts foreign workers in various sectors and industries, such as mining, agriculture, finance, tourism, healthcare, and information technology.

India is full of highly-skilled professionals and tradespeople looking for better job opportunities, and India’s diplomatic connection with Australia has only made it easier for Indians to explore newer professional avenues in Australia. Moreover, the country’s stable economy and quality standard of living are two of the primary reasons why Indians are keen to work in Australia.

Also, since Indians use English as the primary language of communication in professional settings, their language skills are an added advantage when seeking a job in Australia. Indians can also be eligible for a post-study work visa for Australia if they have completed 16 months of stay and 92 weeks of education. However, along with other terms and conditions, such a course should be listed under the Commonwealth Register of Institutions and Courses for Overseas Students (CRICOS).

If you are an Indian professional who wants to work in Australia and is seeking an Australia work visa for Indians, you will need to know about the available work visas and the process of procuring a work visa permit that matches your profession.

Australia Work Visa for Indians: Guidelines

Australia offers various types of work visas for foreign nationals and Indians seeking employment opportunities in the country. These visas serve as legal permits for residency and work, allowing individuals to work in both the public and private sectors. The application process and requirements vary depending on the specific visa category.

Depending on the visa category, the foreign worker may need to undergo a skill assessment to prove their qualifications and expertise in their chosen occupation. This assessment is conducted by designated assessing authorities recognised by the Australian government.

Once the visa application is submitted, the Department of Home Affairs will assess the application and all the relevant documents. Once these are approved, the foreign worker will be granted a work visa to work and live in Australia for a specified period. The visa grant letter will contain important details, such as visa conditions and the validity period.

With the work visa granted, the foreign worker can plan their travel to Australia. They must carry their visa grant letter and other relevant documents for immigration clearance upon arrival.

Australia Work Permit Visa Types for Indians

Australia offers several work permit visa types for Indian nationals who wish to work there. Each visa category has specific requirements and conditions. Here are the key work permit visa types available for Indian nationals in Australia:

  1. Temporary Skill Shortage (TSS) Visa (subclass 482):

The Temporary Skill Shortage visa allows skilled workers to work in Australia for up to four years. It has three streams:

  • Short-Term Stream: For occupations on the Short-Term Skilled Occupation List (STSOL). Allows a stay of up to two years.

  • Medium-Term Stream: For occupations on the Medium and Long-Term Strategic Skills List (MLTSSL) or the Regional Occupation List (ROL). Allows a stay of up to four years and may lead to permanent residency.

  • Labour Agreement Stream: For workers sponsored under a labour agreement between the employer and the Australian government.

  1. Skilled Independent Visa (subclass 189):

The Skilled Independent visa is a points-based visa that allows skilled workers to live and work in Australia permanently. It is for individuals who have occupations listed on the MLTSSL and meet other eligibility criteria. This visa does not require sponsorship from an employer or a state/territory government.

  1. Skilled Nominated Visa (subclass 190):

The Skilled Nominated visa is a points-based visa that allows skilled workers to live and work in Australia permanently. It requires nomination by an Australian state or territory government agency and having an occupation listed on the MLTSSL or the Regional Occupation List (ROL).

  1. Employer Nomination Scheme (ENS) Visa (subclass 186):

The Employer Nomination Scheme visa allows skilled workers to work in Australia permanently. It requires sponsorship by an approved Australian employer. There are three streams: Temporary Residence Transition, Direct Entry, and Agreement.

  1. Regional Sponsored Migration Scheme (RSMS) Visa (subclass 187):

The Regional Sponsored Migration Scheme visa allows skilled workers to work in regional areas of Australia permanently. It requires sponsorship by an approved Australian employer in a designated regional area. This visa has three streams: Temporary Residence Transition, Direct Entry, and Agreement.

Australia Work Visa Requirements for Indians: Documentation

The documentation required for an Australia work visa can vary depending on the specific visa category you are applying for. However, here is a general overview of the documents commonly required:

1.Passport: You will need a valid passport with at least six months of validity remaining.

2.Visa application form: You will need to complete and submit the appropriate visa application form online through the Department of Home Affairs website.

3.Employment-related documents:

  • A job offer/employment contract from an Australian employer (if applying for an employer-sponsored visa).

  • Proof of relevant work experiences, such as reference letters, employment contracts, or payslips.

  • Educational qualifications, including degree certificates or diplomas.

4.English language proficiency:

  • Proof of English language proficiency (e.g., IELTS, TOEFL, PTE) for some visa categories.

5.Health requirements:

  • Completed health examinations conducted by approved panel doctors. This may include a medical examination, chest X-ray, and blood tests.

  • Overseas police clearance certificates to demonstrate good character, depending on the visa category.

6.Financial documents:

  • Evidence of sufficient funds to support yourself during your stay in Australia, such as bank statements or financial declarations.

7.Identity documents:

  • Birth certificate or national identification card.

  • Marriage certificate or evidence of a de facto relationship (if applicable).

8.Proof of relevant licences or registrations:

  1. Depending on your occupation, you may need to provide evidence of relevant licenses, registrations, or memberships.

Additional Documents Specific to Australia Work Visa Types

1. Temporary Skill Shortage (subclass 482) visa:

  • Sponsorship documents from the approved employer, including sponsorship approval letter.

  • Labour Market Testing (LMT) evidence which demonstrates that the position could not be filled locally.

  • Training benchmarks if the sponsoring employer is an Australian business.

2. Employer Nomination Scheme (subclass 186) visa:

  • Employer nomination documents, including the nomination approval letter from the employer.

  • Evidence that the nominated position is genuine and available.

  • Market salary evidence showing that the salary offered meets the market rate for the occupation.

4. Skilled Independent (subclass 189) visa:

  • Skills assessment from the relevant assessing authority for your occupation.

  • Expression of Interest (EOI) reference number and points test result.

  • Evidence of recent work experience in your nominated occupation.

5. Skilled Nominated (subclass 190) visa:

  • Nomination by an Australian state or territory government.

  • State or territory nomination approval letter.

  • Evidence of a genuine commitment to living and working in the nominating state or territory. You may also refer to the Department of Home Affairs website for the documentation required for the specific visa you are applying for.

Australia Work Visa Processing Time for Indians

When applying for an Australia work visa permit, it is important to understand the processing time of the visa you have applied for. This can enable you to make other preparations for your move, such as getting your financial resources ready or arranging for accommodation in Australia. Though the processing time for each visa will depend on the duration of your employment and the stream of application, here is the approximate processing time for all the working visa types. Alternatively, you can also visit the Australian Government’s Department of Home Affairs official website to know about the processing time in greater detail:

Australia work permit visa Processing Time
Temporary Skill Shortage (subclass 482) 8 days to 5 months
Employer Nomination Scheme (subclass 186) 3 months to 14 months
Skilled Independent (subclass 189) 3 months to 25 months
Skilled Nominated (subclass 190) 4 months to 14 months

Australia Work Visa Apply Online: How to Do It?

  • Visit the official website of the Department of Home Affairs.

  • Click on Online Services at the footer of the page.

  • Select ImmiAccount to apply for a visa.

  • Start by creating your ImmiAccount and enter your user and account details.

  • After logging in, click New Application, choose the application from the list and read all the terms and conditions.

  • Fill in all the details as needed, and then select which documents you want to attach from the list.

  • You can also attach documents that are not on the list by selecting ‘Other Documents’ under ‘Additional Documents’.

  • After this step, you can simply submit your Australia work visa application. Using the ImmiAccount, you can also save incomplete applications for a later date, update the details and check messages on your visa application.

Fingerprint Registration: All You Need to Know

If you are an Indian who is applying for an Australia work visa, you will need to provide your biometrics are the Australian Biometrics Collection Centre (ABCC). You can simply check a list of Australian Embassy/High Commission/Consulate-General offices outside Australia where you can get an appointment to proceed with the biometrics program and know the amount that needs to be paid as a service fee.

Here is how you can start the process:

  • Your photograph will be taken with a digital camera.

  • All 10 of your fingerprints will be scanned with a digital scanner.

  • A parent or guardian must accompany anyone below 16 years or an individual who does not understand the biometrics process.

  • There is no need to collect fingerprints of children under 5 years; only the photograph will be taken.

  • In case of injuries to your face or fingers, wait until the injuries have healed before the biometrics process.

  • If the applicant is missing a finger, fingerprints of the remaining fingers will be collected.

  • Contact your Australian Biometrics Collection Centre (ABCC) to know if you can opt for biometrics if your hands are covered with henna, mehendi or any temporary tattoos.

  • Contact your AVAC or ABCC to find out if you can still give fingerprints if you have a mehndi or other temporary decoration of your hands or fingers.

  • If you are wearing glasses or your head is covered due to religious reasons, you will still need to have your photo taken. However, if you are asked to remove your head covering, your photo and fingerprints will be collected privately by a person of the same gender.

Your biometrics are used to help protect you from identity fraud and also to protect Australia from any threats. The biometric information is stored in a protected database and may be checked with any Australian or international agency to verify your background and safeguard your identity.

Australia Work Visa Fees for Indian Nationals

The fees for Australia work permit visa fees in India can vary depending on the specific visa category and individual circumstances. Here is an approximation of the working visa in Australia cost:

Australia work permit visa Working visa Australia cost
Temporary Skill Shortage (subclass 482) AUD 1,330
Employer Nomination Scheme (subclass 186) AUD 4,240
Skilled Independent (subclass 189) AUD 4,240
Skilled Independent (subclass 189) AUD 4,240
Skilled Nominated (subclass 190) AUD 4,240

Additional charges may apply for each dependent included in the application. It is important to consider that there may be other costs involved in the visa application process, such as health assessments, police clearance certificates, and migration agent fees if you choose to engage one.

Australia Work Visa Check Online: How to Do It?

Check the status of your Australia work visa application online by following these steps:

  • Visit the official website of the Australian Government – Department of Home Affairs.

  • Click on the Check Visa Details and Conditions.

  • Visa holders can use the Visa Entitlement Verification Online system (VEVO) to see their current visa details and conditions.

  • To see your visa details and conditions you will need information from a travel document such as your passport or ImmiCard. You will also need either a transaction reference number (TRN), a visa grant number or a visa evidence number. New Zealand citizens on Special Category visa (subclass 444) can use their VEVO password to access the VEVO system.

  • Check your visa details with VEVO and select any one of the following travel documents:

  • a passport

  • an ImmiCard

  • a convention travel document – also known as a Titre de Voyage

  • a document for travel to Australia (DFTTA)

  • a PLO56 evidence card

  • Under 'Reference Type', choose any one and then type in the number:

  • transaction reference number (TRN)

  • visa grant number

  • visa evidence number

  • VEVO password

  • Enter your personal information, such as your date of birth, along with your passport number or ImmiCard number. If you use your passport in VEVO, choose the country that issued your passport. For Titre de Voyage (TDV), enter the ‘country’ as the ‘nationality’ shown in the TDV. ImmiCard users need not select a country.

  • Accept the terms and conditions of VEVO and submit all the correctly filled-in information. You can also use the VEVO mobile application to view and email your visa details. Follow the steps as given below:

  • Download the myVEVO app from the Apple iTunes store or Google Play store free of cost.

  • Create a personal identification number (PIN), which is your secure code number, to access your visa details through the myVEVO app. You can also set up a fingerprint scan to access myVEVO.

  • Under ‘Document Type,’ select passport or ImmiCard and keep the chosen document ready.

  • Enter your personal information, such as your date of birth and your passport number or ImmiCard number.

  • Accept the terms and conditions and submit the information.

You can also email your visa information from the VEVO app to your employer, landlord or government office. To do so:

  • Access your details

  • Click on 'Send Email'

  • Select 'Send Email' to visit the 'Create email' page.

Embassy/Consulate of Australia in India

Name Australian High Commission
Website https://india.highcommission.gov.au/
Official Address 1/50 G, Shantipath, Chanakyapuri, New Delhi 110021
Telephone Number +91 1141399900
Visa/Citizenship helpline +61 2 6196 0196
Timings Monday to Friday, 9 AM to 5 PM, local ti
Email ahc.newdelhi@dfat.gov.au
Immigration Enquiry Form https://immi.homeaffairs.gov.au/help-support/departmental-forms/online-forms/australian-immigration-enquiry-form

Name Australian Consulate-General
Website https://mumbai.consulate.gov.au/
Official Address Level 10, A Wing, Crescenzo Building Opp MCA Cricket Club, G Block, Plot C 38-39 Bandra Kurla Complex, Mumbai 400 051
Telephone Number +91 22 6757 4900
Fax Number +91 22 6757 4955
Email Address cg.mumbai@dfat.gov.au

Name Australian Consulate-General
Website https://kolkata.consulate.gov.au/
Official Address 1A Ho Chi Minh Sarani, Kolkata 700-071 West Bengal, India Tel: +91 11 4910 5980
Telephone Number +91 11 4910 5980
Email Address acg.kolkata@dfat.gov.au

Embassy/Consulate of India in Australia

Name Department of Foreign Affairs and Trade
Official Address RG Casey Building John McEwen Crescent Barton ACT 0221 Australia
Switchboard +61 2 6261 1111
Telephone Number +965 2251 7219
Consular Services Tel: +61 2 6261 3305 SMS: +61 421 269 080
Passports Tel: 131 232

Here is the contact information for obtaining Indian Consular Services through the official VFS Global website:

Phone 03 9956 3830
Timings 09:00 to 15:30 AEST
Visa/Passport/OCI/Consular Miscellaneous Services enquiry info.ind_aus@vfshelpline.com

Reasons under Which Your Australia Work Visa Application Could Get Rejected

Here are some of the main reasons why your Australia work permit visa may get rejected:

  • Failing to provide all the required documents or providing incorrect information can lead to a visa rejection.

  • Each visa category has specific eligibility criteria. If you do not meet the requirements, such as qualifications, work experience, or language proficiency, your application may be rejected.

  • If you have a serious health condition that could pose a threat to public health or if you have a criminal record, your application may be rejected.

  • If you cannot provide the proof of funds needed during your stay in Australia, your application may be rejected.

  • Not having a genuine employer's sponsorship or any discrepancies in the information provided can lead to your application being rejected.

  • If you have previously violated visa conditions or overstayed your authorised period of stay in Australia, such a breach may affect your visa application.

  • If there are any concerns about your background or associations that could pose a security risk to the nation, your application may be rejected.

  • If the government has imposed stricter criteria or quotas, your application may be rejected. Hence, stay updated on the most recent policy changes to avoid any hassles.

Why Do You Require Travel Insurance for Your Work Trip to Australia?

Travel insurance is an essential requirement, no matter which country you travel to. However, when obtaining an Australia work visa for Indians, this is one of the important documents that is required during the process.

A suitable travel insurance plan that is customised based on your needs can secure you against different emergencies and risks, such as flight delays and cancellations, lost or stolen baggage, medical emergencies, etc. In case you fall sick in Australia and need to get back to India for treatment, your Tata AIG travel insurance also covers emergency medical evacuation. And in the event that you pass away when abroad, your policy can help repatriate your remains back to your family in India.

Tata AIG offers a range of different travel insurance plans that you can buy online in a few simple steps. Moreover, if you are concerned about the policy premiums, we also enable you to calculate the premiums online so that you can choose a suitable coverage amount that matches your budget. Knowing that you are covered by comprehensive and extensive travel insurance coverage takes away all the stress of protecting yourself from unknown risks and emergencies. This will, in turn, enable you to procure your Australia work visa and plan your trip to Australia more efficiently.

Attractions in Australia

If you are visiting Australia before applying for a work visa or simply taking a holiday, these are some of the popular spots you can visit:

- Sydney Opera House (Sydney, New South Wales): One of the most iconic and recognizable buildings in the world, the Sydney Opera House is a UNESCO World Heritage Site. It hosts a variety of performing arts events and offers stunning views of Sydney Harbour.

- Great Barrier Reef (Queensland): The world's largest coral reef system, the Great Barrier Reef is a paradise for divers and snorkelers. It is home to abundant marine life and vibrant coral formations.

- Uluru (Northern Territory): Formerly known as Ayers Rock, Uluru is a sacred site for the Indigenous Anangu people. This massive sandstone rock formation is renowned for its changing colours at sunrise and sunset, making it a mesmerizing natural wonder.

- Great Ocean Road (Victoria): This scenic coastal drive stretches for over 240 kilometres, offering stunning views of rugged cliffs, beautiful beaches, and the Twelve Apostles rock formations. It is a popular route for road trips and offers plenty of opportunities for outdoor activities.

- Daintree Rainforest (Queensland): Located in the tropical north, the Daintree Rainforest is one of the oldest rainforests in the world. It has unique flora and fauna, including rare species like the endangered cassowary.

- Bondi Beach (Sydney, New South Wales): Known for its golden sand and crystal-clear waters, Bondi Beach is a popular spot for locals and tourists alike. It is perfect for swimming, surfing, and relaxing by the shore.

About Tata AIG Travel Insurance

When you travel to Australia, you will need to have a travel insurance policy that can help safeguard you against a number of emergencies when abroad. Your travel insurance plan can protect you with adequate insurance coverage, including lost or delayed baggage or a medical emergency.

Since travelling to a foreign country such as Australia will incur several other expenses, including a working visa for Australia, ensure that your travel insurance plan has sufficient coverage with reasonable premiums. With Tata AIG, you can easily procure a travel insurance policy online and customise the plan as per your needs!

We also assure you of a 24-hour customer service team that can help you with all your policy-related queries at all times. Hence, if you do face an emergency on your trip, we can help you claim your travel insurance policy without any hassles.

Click here to learn more about our Tata AIG overseas travel insurance plans in detail!

Frequently Asked Questions (FAQs)

How to get a working visa in Australia?

To procure a working visa in Australia, you will need to determine the type of visa that matches your qualifications and the work you intend to do in Australia.

Once you have selected the appropriate visa, gather, and submit the required documentation, including proof of qualifications, health and character certificates, and evidence of English proficiency.

Is an Australian working visa hard to get?

The process of obtaining an Australia work visa can vary depending on various factors such as the visa category, your qualifications, and the demand for your skills in Australia. For instance, some visa categories, like the Temporary Skill Shortage (subclass 482) visa, require sponsorship from an approved employer, which means you need to secure a job offer before applying.

Additionally, you may need to demonstrate your qualifications, English proficiency, and health and character requirements.

Can I work in Australia as an Indian citizen?

Yes, as an Indian citizen, you can work in Australia under certain conditions and by obtaining the appropriate visa. There are several visa options available for Indian citizens who wish to work in Australia.

Disclaimer

Information last updated July '23. While this information is sourced reliably, visa requirements can change. For the most current visa details, visit the official Consulate/Embassy website.

Disclaimer / TnC

Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.

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1. What does travel health insurance cover?

1. What does travel health insurance cover?

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Tata AIG’s travel health insurance covers emergencies such as sickness and accidents, medical travel assistance or monetary support in case of loss of passport, loss or delay of baggage, personal liability where another individual is hurt and needs medical attention, a hijack cover with a distress allowance, extension of insurance cover.

2. What is the cheapest travel health insurance?

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It is important to choose travel health insurance with adequate coverage instead of going for cheap rates resulting in low coverage. With the help of Tata AIG’s international travel insurance calculator, you can get a suitable plan which also provides a COVID-19 cover. The insurance coverage rates are as reasonable as ₹40.82/- per day for international insurance policies and ₹26 for our domestic insurance policies.

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This will depend if you are travelling within the country, going abroad, travelling solo or with your family. Accordingly, you can choose a domestic or international travel insurance plan. At Tata AIG, we offer different travel insurance plans, such as –

  • Domestic Travel Insurance
  • International Travel Insurance
  • Student Travel Insurance
  • Senior Citizen Travel Insurance

Each of these travel insurance plans offers different types of coverage in terms of medical, travel, and baggage emergencies. You can visit our website to easily compare and choose the type of insurance you are looking for.

4. Can you buy just medical travel insurance?

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Yes, you can buy only medical travel insurance when you are travelling abroad and want to be protected against medical emergencies. However, a lot of travel health insurance plans also offer protection against other emergencies such as loss of passport or loss or delay of baggage, etc. Therefore, you can also choose from such travel medical insurance policies, which provide more extensive coverage.

5. Does travel insurance cover Covid 19?

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Yes, Tata AIG’s travel insurance plans cover COVID-19. However, this benefit is applicable only for international travel.

6. Does family travel insurance cover individuals?

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Our travel insurance plans are easily customisable, and you can choose how many family members you would like to include under one plan. If you are travelling on your own, then you can get an affordable travel insurance plan for yourself, at a premium rate of ₹40.82 per day!

7. How much does a travel medical insurance cost?

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The cost of your travel medical insurance will depend on factors such as –

  • Your age
  • The purpose of your travel
  • The type of coverage, etc.

When you buy travel medical insurance from Tata AIG, you can choose from different plans and the extent of coverage. Our travel insurance plans are affordable and start at an affordable premium rate of ₹40.82 per day for our international policies and ₹26 per day for our domestic policies.

8. Which travel health insurance is best for a family?

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Tata AIG travel health insurance plans are not only affordable but also easily customisable. When you use our travel insurance calculator, you can choose any of our travel plans, add family members to the plan and ensure adequate coverage for all of them. However, our travel insurance plans offer COVID - 19 coverage only for international travel.

9. Can students take travel insurance?

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Yes, we offer student travel insurance plans that cover students between the ages of 16 and 35 years and are affordable and easily customisable. Additionally, if you are unable to complete a semester abroad due to a medical emergency, the travel insurance plan will cover your tuition fees. Also, in case of a medical emergency, you can visit/be visited by your loved ones so that you do not have to be alone in sickness.

10. Which health insurance is best for international students?

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As an international student, you should get our student travel insurance plan. Our student travel insurance has been designed, keeping in mind the unique educational needs of students. Our international student travel insurance not only covers COVID-19 and other medical emergencies and loss of luggage but also reimburses tuition fees in case you are compelled to leave your academics or take a long break due to a medical emergency. Additionally, you can customise the plan to cover only the days you are outside the country and not when you are in India.

11. Is travel insurance mandatory for students?

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While student travel insurance is not a mandatory cover, it is always advisable and essential to have insurance coverage while travelling abroad for higher education. Having student travel insurance can save you from a lot of hassles in case of a medical emergency such as an accident or an illness. Moreover, apart from the medical emergency coverage, student travel insurance plans also cover loss of passport or baggage to ensure that you do not have to face any inconveniences while travelling for your education. Hence, irrespective of whether it is mandatory or not, you can buy a suitable student insurance plan from Tata AIG and secure yourself!

12. Can I buy travel medical insurance with a pre-existing condition?

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Our travel insurance plans only make an exception for pre-existing conditions when it comes to senior citizen travel insurance plans. However, student travel insurance, domestic travel insurance, and international travel insurance do not cover pre-existing conditions.

13. Can I get travel insurance for a one-way trip?

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Yes, you can get travel insurance for a one-way trip. However, your plan will have to be customised to provide coverage for the number of days you live outside the city or the country.

14. When should I start my single trip travel insurance?

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You can start your single trip travel insurance a day before your trip. By using our travel insurance calculator, you can easily choose the start and the end date of your travel insurance. And if your trip is extended due to an unforeseen reason, we enable an automatic extension of 60 days so that you can enjoy the insurance coverage on your trip.

15. Should you get a single trip or annual travel insurance?

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Getting a single trip or annual travel insurance will depend on your frequency of travel. If you are going on a single trip and will not be travelling again for a while, a single trip travel insurance is a good idea. However, annual travel insurance is ideal if you go on frequent tours and trips. With our travel insurance plans starting at ₹40.82 per day for our international policies and ₹26 per day for our domestic policies, you can choose really affordable insurance coverage for yourself.

16. Is travel insurance and health insurance the same?

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No, travel insurance is meant to protect you against a series of situations and emergencies that includes but is not limited to medical emergencies while travelling to another city or country, whereas health insurance specifically provides coverage against medical emergencies and the resultant expenses within one’s own country.

17. Can I claim multiple travel insurance?

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You can have one travel insurance for every trip you make. Therefore, you cannot file multiple travel insurance claims together.

18. Do Multi-trip travel insurance plans cover Covid?

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Yes, all our international travel insurance plans offer COVID - 19 cover, be it single-trip insurance or multi-trip insurance.

19. Am I required to undergo any medical examination prior to buying a plan?

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No, our travel insurance plans do not call for a mandatory medical examination before the purchase of the plan. You can instantly avail of insurance coverage and buy a suitable travel insurance plan for yourself. However, only our senior citizen travel insurance plans cover pre-existing illnesses.

20. Can I buy travel medical insurance for my aged parents?

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Yes, we offer senior citizen travel insurance plans that are specifically designed for senior citizens and their needs. Our plans also cover pre-existing illnesses and so, you need not worry about insurance coverage being rejected in such a case. You can use the senior citizens’ travel insurance calculator on the Tata AIG website to choose the appropriate coverage for your parents.

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