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Domestic Travel InsuranceLet’s get you started on your domestic travel insurance
Whether you’re a businessman travelling to a different city in India to close a deal or an intrepid traveler who wants to explore all that India has to offer, the first thing you need to check off before you set on a journey is travel insurance. While you might plan your trip well, you may experience trip delays, lose your travel documents - or even worse, meet with an unforeseen medical emergency in a city other than your hometown. Protect yourself against such unwelcome intrusions by investing in travel insurance plan such as Tata AIG’s
Domestic Travel Insurance. Choosing this plan will ensure that you are covered while travelling within the country. You can benefit from special features in our travel insurance plans that will not only safeguard your interests but also make your trip worry-free and more delightful.
What's Covered In Tata AIG Travel Insurance
Trip delay With Tata AIG’s Domestic travel guard, you will be reimbursed reasonable accommodation charges for any trip delay (*for more than 5 hours) due to a covered hazard. However, this is only valid if such a delay happens anywhere apart from your city of residence.
Missed departure: If you happen to miss your flight/train, we will pay the benefits up to the amount stated in the policy document for the cost of your actual ticket.
Loss of tickets: If you have lost your ticket and are unable to continue your travel be it by (Common Carrier - Air/Rail), we will pay the benefits up to the amount stated in the policy document.
Personal liability cover: Covers damages for claims legally filed on insured against property damage and medical expenses to others as a result of bodily injury caused by insured in an accident.
Emergency medical evacuation: In case you need to be evacuated due to a medical emergency, we covers the cost of Medical evacuation of insured to nearest hospital or back to home town
Accidental medical expenses benefit: In case of an accident during your trip, you can claim reimbursement subject to the deductibles and up to a maximum amount per disease/injury of the sum insured, as mentioned in the policy schedule or the schedule of benefits.
Accidental death or dismemberment benefit: Coverage is also provided for accidents resulting in injury or even death. If the policyholder gets injured during an insured trip, which results in disablement we will pay a percentage of the principal sum insured as mentioned in the policy document.
Repatriation of remains: The insured is covered for the cost of transportation of the body, up to the amount stated in the policy document, from the place of death to the residence. (within india).
Family Transport: If you have been hospitalised while travelling across India, for more days than the deductible shown in the policy document, following a covered hospitalisation during an insured journey, we will We will pay up to the amounts as mentioned in the schedule & policy wordings
Replacement of Staff (Business Trip Only) In case of an accident during a business trip, where the insured person gets injured, TATA AIG Provides coverage for cost of Travel and Accommodation expenses for Sending out / Returning the replacement Or Returning / sending out the Original Insured Person following recovery from disability
In-hospital indemnity: If you are hospitalized due to an injury or accident during your trip, we provide coverage for “per day hospitalization” subject to any applicable deductible as shown in the policy document.
No matter what transpires, our travel insurance plans make it easier for you to deal with any emergencies that arise.
What's Not Covered
Every travel insurance plan comes with a set of exclusions. At TATA AIG, we believe in complete disclosure of the insurance exclusions to help you understand and evaluate our policy better. Read on to understand what is not covered under the Tata AIG Domestic Travel Insurance plan.
Participation in adventure sports: Coverage does not extend to injuries arising out of participation in adventure sports activities such as surfing, hunting, canoeing, horse riding, bungee jumping, etc.
National security threat: Any material loss arising out of hostilities like civil war, invasion, revolution, rebellion, mutiny, or an act of the foreign enemy will not be covered by travel insurance under Tata AIG.
Non-medical expenses: Tata AIG Travel Insurance plans shall not cover any non-medical expenses while travelling.
Journey against doctor's advice: Losses arising out of journey undertaken against the advice of one’s doctor will not qualify for reimbursement.
Issues arising due to pregnancy: This policy will not cover any loss arising due to pregnancy or from childbirth.
Elective or cosmetic surgery: Hospitalisation for any elective or cosmetic surgery (such as tonsillectomy) will not be covered.
Pre-existing conditions: Any complication arising due to a pre-existing condition, such as diabetes, hypertension, etc., will not be covered.
Congenital abnormalities: Any complications arising due to congenital anomalies (birth defects) will not be covered.
Travelling for treatment: Insurance plans under the Tata AIG banner do not extend coverage towards individuals who travel for the treatment of a disease.
Pre-existing disorders: Individuals who are diagnosed with depression, anxiety, stress, STDs, suicidal tendencies, or mental/nervous disorders will not be eligible for coverage.
Substance abuse: Problems arising from the intake of alcohol, drugs, or any other intoxicants are not covered by travel insurance.
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Frequently Asked Question
What is the free-look period in travel insurance?
The ‘free-look’ period in travel insurance implies that the buyer gets a specified number of days to review the terms and conditions of the plan. Tata AIG Travel Insurance plans come with a free-look period of 15 days for the multi-trip policy. However, the single-trip policy does not come with a free-look period.
What is evacuation and reparation coverage?
Evacuation and reparation coverage under travel insurance extends the facilities for medical evacuation in the event of a medical emergency. It comes with facilities such as medically equipped return flights and the reparation of mortal remains back to the family in the event of death.
Does travel insurance cover accommodation expenses if a flight is delayed?
Yes, your travel insurance will cover accommodation expenses in the event of flight delays if you are not in your city of residence. You have to file a claim with us, backed by relevant documents, to be able to get reimbursement for accommodation when your flight is delayed.