Travel Medical Insurance

Travel medical insurance is a travel insurance policy that includes coverage for unexpected medical expenses that may arise during your domestic or international trip.

It can cover a wide range of inpatient and outpatient (OPD) costs, including hospital room rent, ICU charges, surgical treatments, consultation charges, and diagnostic tests.

It also covers emergency medical evacuation for timely care, offers a lump sum for accidental death or disablement, and covers repatriation of mortal remains.

You don’t have to be on a business trip to have travel and health insurance. It is equally important when you are going on vacation. This policy is designed to ensure you have access to necessary healthcare services without the stress of extensive medical bills in case of an accidental injury or illness during your journey.

Travel medical insurance is essential for financial security and timely access to quality healthcare services when you are abroad. Here is why it is important.

Country-specific Requirements

Certain countries require medical insurance for visa approval. For example, Schengen Travel Insurance with a minimum medical coverage of EUR 30,000 is mandatory for obtaining a Schengen visa.

High Medical Costs

Medical treatment costs abroad can vary widely and may be significantly higher in the region you are visiting. With adequate coverage under a foreign travel health insurance policy, you can manage these costs efficiently.

Financial Protection

A travel medical insurance policy ensures you remain financially secure when unexpected medical expenses arise due to an illness or injury during your trip.

Timely Medical Attention

With the coverage for emergency medical evacuation, you can be transported to the nearest hospital or brought back to India for further treatment when needed.

Please note: Coverage features may vary based on the specific plan option. Kindly refer to your policy document for exact details.

Single Trip Travel Health Insurance

If you are travelling abroad for a single trip and need insurance coverage only for that trip, you can opt for a single trip travel health insurance plan. The coverage is based on the trip start and end date provided by you at the time of policy purchase.

Annual Multi-trip Travel Health Insurance

A multi-trip travel health insurance plan is valid for one year and provides insurance coverage for multiple trips during that period. However, there is a limit on the number of days for each trip, which can range between 30 and 180 days.

Family Travel Health Insurance

If you are travelling abroad with your family, including spouse, children, and parents, you can cover all of them under a single family trip medical insurance policy. You may also benefit from a premium discount of up to 10% as the number of insured family members increases.

Student Travel Health Insurance

Students travelling abroad for higher education can opt for the TATA AIG Student Travel Insurance policy. Apart from medical emergencies and hospitalisation, this plan also covers tuition fees in case of medical emergencies, as well as compassionate visits from family members

Senior Citizen Travel Insurance

A senior citizen travel health insurance plan is designed to support the unique needs of older travellers. These policies not only cover emergency medical expenses, but also include assistance services and emergency medical evacuation.

Buy International Travel Medical Insurance

• Medical Expenses - Our trip health insurance covers unexpected medical expenses arising from hospitalisation, day care treatment or OPD treatment due to an injury or illness. This includes hospital room rent, ICU charges, ambulance services, pharmacy costs, consultation charges, and diagnostic tests.
• Emergency Medical Evacuation - If you need to be transported to a hospital or brought back to India during a medical emergency, our foreign travel health insurance covers the necessary transportation and medical expenses.
• Repatriation of Mortal Remains - In the unfortunate event of the insured’s death, we cover the expenses incurred to bring the mortal remains from the overseas location to the insured’s residence in India.
• Accidental Death and Disablement - If an accident during the trip leads to accidental death or disablement due to an accident during the trip, we will pay the applicable sum insured to the nominee or the insured, as applicable.
• Emergency Medical Dental Expenses - We will reimburse the applicable expenses for a dental emergency during the trip, for up to 30 days from the date of the first treatment.

Please note: Inclusions are subject to certain policy conditions. Refer to your specific policy document for complete details.

In addition to offering international health coverage, a travel health insurance policy also safeguards you against several travel-related risks, such as:

• Delay or Loss of Check-in Luggage - Your insurance policy can offer coverage if your checked-in baggage is delayed due to misdirection or if it is completely lost because of theft, misdirection, or non-delivery by the airline.
• Flight Delays - Any expenses that you may have to incur due to the flight’s delay of more than 12 hours will be compensated by the policy.
• Personal Liability - If there is a damage claim legally filed against you by another party for damage to their property or any medical expenses due to accidental bodily injuries, then the travel medical insurance policy can cover these losses.
• Trip Curtailment/ Cancellation - In case your trip is shortened or cancelled for a specified reason, your travel insurance policy will pay for the unused, non-refundable cancellation portion of the hotel cost or travel expenses.

Please note: These are some of the key inclusions. Kindly refer to your policy for the complete list of benefits covered under the policy.

• Travelling against medical counsel - If you travel abroad against your doctor’s advice, are currently receiving or awaiting medical treatment, or are travelling for a medical treatment, the insurance policy will not cover medical expenses.
• Pre-existing illnesses - Any complications arising from a pre-existing medical condition or not under the travel health insurance policy, unless it is for a life-threatening condition and specifically covered under the policy terms.
• Consumption of intoxicants - If you face a medical emergency due to the consumption of alcohol or drugs and are directly responsible for the incident, the insurance policy will not cover the emergency.
• Sexually transmitted diseases - Our travel health insurance policies do not cover sexually transmitted diseases such as HIV/AIDS.
• Adventure sports - Your travel health insurance may not cover accidents or injuries that have occurred due to an attempt at extreme or dangerous adventure sports.
• Injuries from intentional self-harm - Any claim arising from suicide, attempted suicide, or wilful self-inflicted injury cannot be covered under travel medical insurance.
• Congenital anomalies and pregnancy - Congenital anomalies and any complications arising from them, as well as pregnancy and related conditions, are not covered.
• War or civil unrest - The travel insurance plan cannot protect you from losses arising out of wars, civil unrest, invasion, and other such hostilities.

Please note: This list highlights some of the key exclusions. For complete details, kindly refer to your specific policy document.

The eligibility criteria for purchasing TATA AIG travel medical insurance vary based on the type of policy.

• Student travel insurance is available for individuals aged 16 to 35 years.
• Senior citizen travel insurance is available for individuals aged 60 to 80 years and beyond.
• Domestic travel insurance is available for individuals aged 6 months to 70 years.
• International travel insurance is available for individuals aged between 3 months to 80 years and beyond.

Please note: The eligibility criteria may vary depending on the policy and the specific plan option you choose.

Coverage for Medical Expenses

With medical insurance for overseas travel, you can cover unexpected medical expenses arising from an illness or accidental injury during your trip.

Continued Inpatient Treatment

If your inpatient treatment extends beyond the policy period, we will cover the expenses until discharge or for up to 60 days after the policy ends. If you choose to return to India for treatment, we will cover medical expenses up to 60 days after your arrival.

Assistance Services

During an emergency, finding the nearest hospital, arranging emergency travel, or accessing assistance for cash transfers can be challenging, especially in remote areas. This policy provides support for such essential needs.

Additional Coverage

In addition to medical protection, you are also covered against various travel-related risks that can lead to financial losses, such as delay or loss of checked-in baggage, flight delays, cancellations, and more.

TATA AIG’s international travel plans offer COVID-19 coverage, which can protect you in the following scenarios:

• Medical Expenses - If you are affected by COVID-19 during a trip outside the country and need to be hospitalised for the same, the medical expenses will be covered under the plan.
• Trip Cancellation/ Curtailment Coverage - If your trip is cancelled or cut short due to a COVID-19 infection affecting you, your travel companion, or an immediate family member, the coverage reimburses the non-refundable and unused costs of hotel bookings, tickets, etc. But do note that these expenses will only be reimbursed if the bookings were made prior to being diagnosed with COVID-19.
• Emergency Extension Benefit - In the event of a pandemic situation and non-availability of flights, your policy coverage will be extended as per the terms and conditions specified under the policy.

• Travellers Prone to Sickness - If you often fall sick while travelling or when adjusting to a new environment, whether due to food poisoning, cold, fever, or other reasons, you need travel insurance health coverage.
• Senior Citizens - Older individuals face higher health risks due to age-related complications. A trip medical insurance offers coverage for medical expenses, ensuring prompt and quality healthcare services when needed.
• Travellers on Vacation - You spend a lot of money to explore a foreign destination, and staying healthy is essential to enjoying your vacation. With a travel health insurance plan, you can access timely care and recover sooner in case of an injury or illness.
• Business Travellers - When travelling for work, ensuring timely medical attention is important for you and your commitments. A travel and medical insurance policy ensures you are covered throughout your business trip.
• Travellers Visiting Overseas Relatives or Friends - If you are visiting family or friends abroad, especially for a longer duration, a travel health insurance policy is necessary to cover unexpected medical expenses.
• Students - If you plan to pursue higher education abroad, a travel and health insurance policy can help you manage medical expenses during your course. In case of an illness, this will help you recover soon and focus better on your studies.

• Assess Your Health Condition - Analyse your health condition to identify potential health risks. If you are travelling with family, consider the age and health needs of each member to understand the required level of coverage.
• Examine the Purpose and Duration of Travel - Based on whether your trip is for business or leisure, determine the ideal sum insured for your travel insurance with health coverage.
• Analyse Medical Costs in your Destination - Research the medical costs in your destination to estimate the coverage you may need for the treatment of common illnesses during your trip.
• Compare and Choose the Right Plan - Evaluate the features and compare travel insurance plans to shortlist a few policy options that will suit your specific financial and health requirements.
• Consider the Premium - Review the premium and choose the medical insurance for overseas travel that offers adequate coverage while fitting your budget. Ensure you do not compromise on essential coverage for a lower premium.

• Step 1 - Visit our official TATA AIG website and navigate to Personal->Travel Insurance.
• Step 2 - Provide the required details, such as the purpose of travel, whether leisure, business, or student, and add your destinations. Click on ‘Get Plan’.
• Step 3 - Enter further details, including trip duration, number of travellers, and their dates of birth, to proceed.
• Step 4 - Compare the recommended travel insurance plan options based on the coverage offered for medical expenses and choose a suitable policy.
• Step 5 - Pay the applicable premium. We will process your application and send your policy document to your registered email address.

• Step 1 - Notify us about the claim. Refer to your specific policy document for the contact details or initiate the claim online.
• Step 2 - Fill out the claim form, gather all necessary documents, and submit them within the required time.
• Step 3 - We will verify your claim and documents. Upon approval, we will settle your claim for the eligible expenses.

• Claim form, duly filed and signed.
• Original bills and payment receipts.
• Medical reports, including doctors’ prescriptions, pharmacy bills, consultation bills, and discharge summaries, as applicable.
• Complete list of medications and treatments received.

Please note: The documents required can vary based on individual circumstances. Please refer to your specific policy document for further information.

A travel medical insurance policy helps you protect yourself from unexpected medical expenses during your domestic or international trip. Such medical expenses can be financially stressful, especially when you are travelling abroad.

With a foreign travel insurance policy, you can cover essential medical expenses anywhere across the globe. In addition, the travel and medical insurance policy also safeguards you from travel-related risks, such as trip cancellations, flight cancellations, and baggage losses.

Compare the various options available and buy travel insurance online with TATA AIG to ensure a safe, secure and stress-free journey.