TATA AIG Domestic Travel Insurance
India is home to myriad cultures and landscapes that are as diverse as the languages spoken. Whether you’re travelling to explore the many wonders the country holds or jet-setting from one city to the next for work, you need to purchase domestic travel insurance to secure your trip. When you’re travelling domestically, a lost ticket or medical emergency could end up ruining your entire trip and costing more than required.
Very often, we think of domestic travel insurance as an unnecessary cost. Many believe that it’s easy to deal with whatever situation comes our way when we’re in our own country. But, an accident could strike at any time. You may be forced to cancel your ticket due to an emergency or you might require medical attention while you’re travelling. With a good domestic travel insurance policy in your luggage, you won’t have to worry about dealing with sticky situations alone. We’ll help protect you so that you can enjoy a stress-free trip!
Features Of TATA AIG Domestic Travel Insurance
Your Domestic Travel Insurance Policy Provides You With Safety And Comfort While You’re Travelling. Here’s A Look At The Features You Can Enjoy When You Purchase A TATA AIG Domestic Travel Plan:
Cover For Accidents
An accident could lead to a short hospitalisation or end up being fatal. Whatever happens, our domestic travel insurance plan will help you deal with the costs. From emergency medical treatment to medical evacuation and the repatriation of the insured’s remains, we’ll take care of everything.
Exploring a new city can be thrilling. But if something goes wrong, it can be downright scary. If you need any help to identify where you can get medical treatment or arrange for emergency travel services, our domestic travel insurance plan will be there for you.
If you’ve involved in an accident where another individual is hurt or another person’s property is damaged, you won’t have to pay for it out of your own pocket. Our international travel insurance policy will help take care of the cost of necessary medical expenses or repairs.
Emergency Family Travel
If you’re alone and hospitalised for an extended period of time, our domestic travel insurance policy will pay for a family member to take a roundtrip to visit you at your bedside. Additionally, we’ll reimburse you for any unused hotel charges due to your hospitalisation.
Advantages Of TATA AIG Domestic Travel Insurance
Instant Policy Purchase
You can buy a TATA AIG domestic travel insurance policy online with just a few easy clicks. We don’t need extensive paperwork or a health check-up!
Our domestic travel insurance policies start at just INR 26 per day! That’s a small price to pay for care-free travel!
Cover For Lost Tickets
If you’re unable to continue your travel due to the loss of your air or rail tickets, we’ll reimburse you for the cost of the original tickets.
Multi-Trip Annual Plans
A lot of people need to travel several times a year or even a month for work. You can opt for a multi-trip annual domestic travel insurance plan so you don’t need to apply for a new policy before every trip!
What’s Covered Under TATA AIG Domestic Travel Insurance?
Our Domestic Travel Insurance Policy Will Help You Take Care Of A Number Of Situations!
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.
If your trip is delayed by over 5 hours due to a covered issue and you’re not in the city of your residence, we’ll reimburse you for the cost of additional accommodation required, if any.
If you miss your flight or train, we’ll help reimburse you for the cost of the ticket so you can resume your journey soon.
It’s entirely possible that a lost or misplaced train or flight ticket could interrupt your journey. If you’ve lost your ticket, your domestic travel insurance policy will help reimburse you for the cost.
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 domestic travel insurance policy will help cover any damage caused to any third-party individual or property while you’re travelling.
If you require any legal assistance or help with emergency travel services while you’re out of town, our domestic travel insurance plan will help you deal with the costs incurred.
We can’t think of anything worse than having to get emergency medical treatment while you’re out of town. Luckily, our domestic travel insurance plan will help you deal with:
Accidental Medical Emergencies
Your TATA AIG domestic travel insurance policy will help you deal with the financial implications that come with meeting with an accident while you’re out of town. The domestic travel medical policy will help cover the cost of emergency hospitalisation required after an accident and even fatalities.
Your domestic 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 your home town for medical treatment, your domestic 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 could end up being fatal. TATA AIG’s domestic 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.
If you’re hospitalised for a very long time while you’re travelling after an accident, your domestic travel medical policy will help pay for a round trip for a family member to come and be with you while you recover.
Replacement of Staff for Business Trips
If an accident leaves you injured on a business trip, your domestic travel insurance policy will help cover the cost of the travel and accommodation for a colleague to step in and take your place.
Per Day Hospital Costs
If you’re in the hospital because of an accident or injury, your domestic travel insurance plan will help take care of per day hospital room costs as well.
*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.
What’s Not Covered By TATA AIG’s Domestic Travel Insurance Plans?
Unfortunately, Some Things Are Out Of Our Hands. Here’s A Look At A Few Situations Where We’ll Be Unable To Help:
Under certain circumstances, we will not be able to settle claims against your domestic travel insurance policy. These circumstances include:
- Participation in adventure sports, like skydiving, scuba diving, or mountain climbing will not be covered under our domestic travel insurance plan.
- Any loss due to a threat to national security, such as a civil war, invasion, revolution, rebellion or act of a foreign enemy will not be covered by your TATA AIG domestic travel insurance policy.
- Non-medical expenses incurred while travelling will not be covered by TATA AIG’s domestic travel insurance plan.
- Your claim request against your domestic 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 or congenital anomaly
- Your claim is for pregnancy or a related issue, including birth control or surgical procedures
- You’re in the hospital for an elective or cosmetic surgery
- The issue is related to a sexually-transmitted disease, mental disorder, or injuries due to the consumption of alcohol or drugs that were not medically prescribed.
- You’re specifically travelling for medical treatment.
Things To Remember While Travelling In India
When you’re travelling through India, you don’t need to worry about having a visa, but there are some other important things that you should keep in mind. Let’s take a look at what they are:
Check The Weather
India is a fairly large country, so different parts experience different kinds of weather through the year. Before you select your destination or book your tickets, you should check the weather. If you’re travelling in summer, you might want to avoid states where the temperatures soar. On the other hand, travelling to the Himalayan foothills in winter would be a bad idea. You should also be mindful of the fact that India experiences more than one monsoon season. You should find a place that isn’t expecting heavy rainfall during your trip as it could interrupt your travel plans.
Be Mindful Of The Local Culture
India is home to multiple cultures. You may travel to or through places where people have different lifestyles as compared to what you’re used to. Always be respectful of your surroundings and interact with the locals keeping this in mind.
India’s many temples and places of worship have specific dress codes. If you’re exploring the country’s past, you have to keep this in mind. Carry clothes that are appropriate. Always cover your shoulders and knees while heading out to places of worship.
Although India has two official languages, each state is incredibly proud of their native tongue. When you’re travelling, it’s kind and courteous to learn a few words in the state language. This is especially crucial when you’re visiting small towns. In metros, you can manage with English and Hindi, so you don’t have to struggle with language barriers.
Indulge With Caution
India is known for its delicious street food that vendors serve on almost every single corner. But, this food isn’t always held to high hygienic standards. If you’d like to sample some local delicacies, it’s always best to find a restaurant or reliable and trusted vendor.
Be Wary Of Scams
We’re sure you’ve heard stories of tourists being scammed for money by auto and taxi drivers or tour operators. When you’re visiting different parts of India, you should be aware of the local rules and regulations. In certain cities, public transport does not function on a meter. Instead, you have to haggle over the price before starting your trip. Make sure you’re familiar with the local norms and costs so that you can avoid being cheated.
Secure Your Trip
Once you’ve picked the perfect destination and done your research on the weather, local customs and regulations, you need to secure your trip. Buy yourself a good domestic travel insurance policy to safeguard your finances against sudden medical emergencies.
Relax And Have Fun
Now that you’ve booked your tickets and got your domestic travel insurance policy, all that’s left is for you to head off on your trip and enjoy a stress-free journey!
How Do I Buy Domestic Travel Insurance?
First things first, secure your trip. Buying domestic travel insurance online with TATA AIG is super simple. All you have to do is follow these simple steps:
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 domestic travel insurance right away.
Type in your destination and dates of travel
If you’re heading to multiple cities, don’t worry. We offer plans for that as well. Type in all the cities you’re visiting and how long you’ll be travelling for. We’ll use this information to curate the best domestic travel insurance policy options for you.
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 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.
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 domestic 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.
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 domestic travel insurance policy and send a copy to your email inbox!
When Do You Need Domestic Travel Insurance?
Most people remember to purchase insurance while travelling abroad, but nobody really bothers with a domestic travel insurance plan. Let’s take a look at a few sticky situations in which your TATA AIG domestic travel insurance policy will bail you out:
If You Miss Your Flight
It’s entirely possible that you meet with an accident on your way to the airport or there’s a failure of public transport systems which leads to you missing your flight on your way back to your city of residence. Without insurance, you’d have to forfeit the cost of the ticket and possibly purchase another ticket out of your own pocket to travel at a later date. With a domestic travel insurance policy, you don’t have to worry. We’ll help reimburse you for the cost of the ticket if you happen to miss your return flight due to a covered issue.
If You Meet With An Accident
Accidents can happen at any time without prior warning. You could be in the middle of a business or leisure trip when you meet with an accident that requires you to be hospitalised. Dealing with medical bills at any time is difficult, but when you’re out of town and away from your family, it can be incredibly overwhelming. With a domestic travel insurance plan, you won’t have to worry about dealing with the financial implications alone. Your domestic travel medical policy will help take care of your hospital bills so you can focus on getting better.
When Your Flight Is Delayed
Bad weather or a strike could lead to your flight being delayed by over 5 hours. If you have to stay in another city for an extra night, you’ll have to shell out quite a bit of money for last-minute accommodation. With a domestic travel insurance policy, you don’t have to worry about the costs. Your travel plan will help you take care of the cost of accommodation required if your flight is delayed.
Did Not Find What You Were Looking For?
Frequently Asked Questions
Does the TATA AIG domestic travel insurance policy come 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. The free-look period is 15 days from the day the policy documents are received by the insured individual.
What is evacuation and repatriation coverage?
Evacuation and repatriation coverage is helpful in times of medical and fatal emergencies. Under this cover, our domestic travel insurance policy will help take care of the cost of using medically-equipped flights to transport the injured individual or repatriate the mortal remains of the insured back to their town of residence.
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.
There’s been a change in my travel dates. Can I alter the dates in my policy?
Yes, absolutely. You can change your dates before the date your policy is expected to start, which is the same as your date of travel.
Will my domestic travel insurance policy cover the cost of accommodation in case the flight is delayed?
If your flight is delayed and you’re not in your city of residence, your travel insurance plan will help cover the cost of accommodation.
Who is eligible to purchase TATA AIG’s domestic travel insurance policy?
All individuals who are planning to travel by road, rail or plane are free to purchase a domestic travel insurance policy.
What is the difference between regular domestic travel insurance and a multi-trip policy?
A regular domestic travel insurance plan will only provide cover for a single trip with specific travel dates. A multi-trip policy will provide cover for any number of domestic trips that you undertake in the span of a year.
When will my TATA AIG domestic travel insurance policy end?
The end-date of your domestic travel insurance policy will be highlighted on your policy documents. For single trip policies, the policy automatically ceases when you return to your city or town of residence. For multi-trip policies, the date will be provided on your policy documents.