Download tata-aig Travel-Guard brochure

Travel anywhere in the

world with peace of mind.

Annual Multi trip policies are renewable only beyond the age of 71 years provided applicant has availed cover before 70 years of age and

renewed with Tata AIG continuously. Renewal Terms and Conditions would be applicable as per the policy wordings.

* Included under the benefit limit of Accident and Sickness Medical Expense Reimbursement.

# Maximum amount to be reimbursed per bag is 50% and maximum value per article contained in any bag is 10% of sum(s) Insured.

^Flight Delay - Deductible of 12 hrs. $10 per 12 hours and Maximum $100.

^^Hijack - Deductible of 1 day, $100 per day and Maximum $500

Note: The above plans are with sub-limits. Sub-limits can be waived by paying additional premium.

Annual Multi Trip

Benefits Gold Platinum

Plus Plan

Age Band 6 Months- 6 - - - 71 Yrs 19-70 Yrs 19-70 Yrs

# #

70 Yrs 70 Yrs 70 Yrs 70 Yrs & above

Sum(s) Insured in US $ (Including and Excluding the Americas) (Worldwide)

Accidental Death and Dismemberment

Benefit (24 hrs) 10,000 10,000 15,000 25,000 10,000 15,000 25,000

Accidental Death and Dismemberment

Benefit (Common Carrier) NA 5,000 5,000 5,000 NA 5,000 5,000

Accident and Sickness Medical Expense

Reimbursement 50,000 100,000 250,000 500,000 50,000 250,000 500,000

Deductible 100 100 100 100 100 100 100

Sickness Dental Relief 300 400 500 1,000 300 500 1,000

Deductible 150 150 150 150 150 150 150

Emergency Medical Evacuation Benefit Included* Included* Included* Included* Included* Included* Included*

Repatriation of Remains Included* Included* Included* Included* Included* Included* Included*

Baggage Delay Benefit (After first 12 hrs.) 50 100 200 500 50 100 200

# 3

Checked Baggage Loss Benefit 500 750 1,000 1,000 500 1,000 1,000

Loss of Passport Benefit 250 250 250 250 250 250 250

Deductible 30 30 30 30 30 30 30

Personnal Liability Benefit 100,000 150,000 200,000 500,000 100,000 200,000 200,000

Deductible 200 200 200 200 200 200 200

^ 8

Flight Delay NA Included Included Included NA Included Included

Hijack NA Included Included Included NA Included Included

Automatic extension of policy upto 7 days Available Available Available Available Available Available Available

Emergency cash advance 500 750 1,000 1,500 500 1,000 1,500

Fraudulent Charges (Payment Card Security) 500 500 1,000 2,000 1,000 2,000

Home Burglary (In Rs.) `100,000 100,000 200,000 200,000 200,000 200,000

Trip Cancellation 500 500 750 1,000 750 1,000

Deductible 50 50 75 100 75 100

Trip Curtailment 500 500 750 1,000 750 1,000

Deductible 50 50 75 100 75 100

Missed Connection / Missed Departure 500 500 750 1,000 750 1,000

Deductible 50 50 75 100 75 100

Bounced Hotel / Airline booking 500 500 750 1,000 750 1,000

Deductible 50 50 75 100 75 100

Single Trip

Silver Silver Gold Platinum Senior

Months 6 Months 6 Months

# #

and>71 Yrs and> 71 Yrs

` ` ` ` `

UIN: IRDA/NL-HLT/TAGI/P-T/V.III/35/14-15

Travel in peace anywhere in the world.

Travel with Tata AIG TravelGuard.

Travel in peace anywhere in the world.

Travel with Tata AIG TravelGuard.

While you are vacationing abroad, any unforeseen contingency should be the last thing on your mind.

However, you cannot ignore this aspect, as traveling abroad involves a certain degree of risk, right from

falling ill, having a flight delay, to baggage loss or having met with an accident. To remove the stress out

of traveling, all you need is Tata AIG Travel Guard. It just takes one single phone call and our worldwide

assistance company, will swing into action and take care of you, should there be an exigency.

SALIENT FEATURE AND BENEFITS

Accidental Death

and

Dismemberment

Benefit (24hrs)

Accident and Sickness

Medical Expense

Reimbursment

Baggage Delay Benefit

(After first 12hrs) and

Checked Baggage

Loss Benefit

Home Burglary

Trip Cancellation

Missed Connection /

Missed Departure

Bounced Hotel /

Airline Booking

Flight Delay

UIN: IRDA/NL-HLT/TAGI/P-T/V.III/35/14-15

Renewal Conditions:

Cancellation of the Annual Multi Trip Policy:

General Exclusions:

• The Single Trip Insurance - is non-renewable, not cancelable and not refundable while effective. • The

Annual Multi Trip Insurance - The Policy is renewable for life upon payment of premium. Unless the Insured

Person or any one acting on behalf of an Insured Person has acted in an improper, dishonest, fraudulent or mis

representation manner or non-co-operation by the insured or the Policy poses a moral hazard. • Your renewal

premium for this policy will not change unless we have revised the premium and obtained due approval from

IRDA of India. Premium will also change if you move into a higher age group, or change the plan. • Any

revision / modification in the product will be done with the approval of the Insurance Regulatory and

Development Authority and will be intimated to You atleast 3 months in advance. • We will not apply any

additional loading on your policy premium at renewal based on your claim experience. • In the likelihood of

this policy being withdrawn in future, we will intimate you about the same 3 months prior to expiry of the

policy. • Sum Insured Enhancement - Sum Insured can be enhanced only at the time of renewal. subject to no

claim have been lodged/ paid under the policy. However the quantum of increase shall be subject to underwriting

guidelines of the company. • Free Look Period - 15 days Free look period from date of receipt of Policy documents is

given under the Annual Multi Trip policy. A minimum premium towards stamp duty and proportionate risk premium

will be retained by Us. • Grace Period - Grace Period of 30 days for renewing the Policy is provided under this

Policy. However, coverage would not be available for the period for which no premium has been received.

This policy would be cancelled on grounds of mis-representation, fraud, non-disclosure of material facts or non-

cooperation by any Insured Person by giving 15 Days notice. In such a case, the policy shall stand cancelled

ab-initio and there will be no refund of premium. In the event the policy is cancelled for non-cooperation of the

insured or If you cancel the Policy, the premium shall be computed in accordance with Our short rate table for the

period the Policy has been in force, provided no claim/no trip has occurred up to the date of cancellation. In the

event a claim has occurred in which case there shall be no return of premium.

1. Insured Person is traveling against the advice of a Physician; or is travelling for the purpose of obtaining

treatment. 2. Any Pre-existing Condition or any complication arising from it; or 3. Suicide, attempted suicide

(whether sane or insane) or intentionally self inflicted Injury or Illness, or sexually transmitted conditions, mental or

nervous disorder, anxiety, stress or depression, Acquired Immuno Deficiency Syndrome (AIDS), Human Immuno

deficiency Virus (HIV) infection; or 4. Serving in any branch of the Military or Armed Forces of any country, whether

in peace or War, 5. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens, 6. Operating or

learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Airline;

or 7. Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, 8. Performance of

manual work for employment or any other potentially dangerous occupation, 9. Participation in winter sports,

skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing, 10. Pregnancy and all

related conditions. This however does not include ectopic pregnancy proved by diagnostic means and is certified to

be life threatening by the Physician, 11. Any non medical expenses (Refer list enclosed as Annexure-1 in policy

wordings). For complete list of detailed exclusions, please refer policy wordings.

Tata AIG General Insurance Company Limited

Registered Address:- Peninsula Business Park, Tower A, 15th Floor, G. K. Marg, Lower Parel, Mumbai- 400013.

Visit us at www.tataaiginsurance.in Toll Free Number: 1800 266 7780 Fax: 022 6693 8170

IRDA of India Registration No.: 108 CIN: U85110MH2000PLC128425

IRDA of India IRDA of India

Interests) Regulation. Disclaimer: Insurance is the subject matter of the solicitation. For more details on benefits, exclusions,

limitations, terms and conditions, please refer sales brochure/ policy wordings carefully, before concluding a sale.

REGULATION NO 5: This policy is subject to regulation 5 of (Protection of Policyholder’s

Section 41 of Insurance Act 1938 (Prohibition of rebates)

1. No person shall allow or offer to allow either directly or indirectly as an inducement to any person to take out or renew or

continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of

the commission payable or any rebate of premium shown on the policy, nor shall any person taking out or renewing or

continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published

prospectus or tables of the insurer.

2. Any person making default in complying with the provisions of this section shall be liable for penalty which may extend

to ten lakh rupees.

Call

24x7 Toll Free helpline

18002667780

Or 1800 22 9966

(only for senior citizen policy holders)

Write to us

Accident and Health Claims,

Tata AIG General Insurance Company Limited

A-501, 5th Floor, Building No. 4,

Infinity Park, Dindoshi, Malad (E),

Mumbai, India - 400 097.

Claims Registration

SMS ‘CLAIM’ to 5616181,

e-mail:

general.claims@tata-aig.com

UIN: IRDA/NL-HLT/TAGI/P-T/V.III/35/14-15

TAGIC/B/TG/Jan 15/8 Ver 1/All 389

How to lodge a claim:

Claims for which prior intimation has not been given to the Assistance Company must be lodged with Tata AIG

General Insurance Company within 30 days. However it is advisable to register a claim abroad by informing the

assistance company.

Call these local helpline numbers in India, in your respective cities from any other line:

Mumbai - +91-022-66939500, Delhi - +91-011-66603500, Bengaluru - +91-080-6650001,

Pune - +91-020-66014156, Chennai - +91-044-66841050, Hyderabad - +91-040 66629882.

Ahmedabad - +91-079-66610201.

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Without Sub Limits Without Sub Limits

Premium Table -

Age Band 56-60 Yrs 364 days 61-70 Yrs 364 days 56-60 Yrs 364 days 61-70 Yrs 364 days

1-7 784 1296 2649 4096

8-14 1117 1750 3669 5717

15-21 1290 2355 4456 7680

22-28 1598 2860 5117 9664

29-35 1827 3543 6297 11776

36-47 2250 4478 8138 15195

48-60 2624 5861 12423 19681

61-75 3323 7680 20086 24137

76-90 4321 11026 22050 42346

91-120 5089 13907 24558 52535

121-150 6992 19060 28033 72776

151-180 8362 20480 32314 77888

Travel Guard Silver Plan (without Sublimits)

Amount in INR^

Premium Table -

Age Band 71-75 Yrs 76-79 Yrs 80-85 Yrs 86+ 71-75 Yrs 76-79 Yrs 80-85 Yrs 86+

364 days 364 days 364 days Yrs 364 days 364 days 364 days Yrs

1-7 2551 3402 6550 11137 6447 8596 15042 25572

8-14 3438 4585 8830 15012 8995 11994 20989 35681

15-21 4297 5730 11034 18758 11777 15704 27482 46718

22-28 5166 6888 13265 22551 14822 19763 34585 58794

29-35 6262 8349 17688 30070 18012 24016 48753 82880

36-47 7995 10660 22585 38393 23265 31019 62969 107048

48-60 10040 13387 28102 47774 29166 38889 78944 134204

61-75 14065 19340 39483 67121 38165 52478 106528 181099

76-90 17988 24733 47635 80979 48205 66282 120633 205076

91-120 26153 36922 71110 120886 83510 117897 206318 350740

121-150 36010 50838 97910 166447 115995 163759 286577 487180

151-180 46660 67399 129805 220668 155607 224765 393338 668674

Travel Guard 70+ Senior Plan (without submilits)

Amount in INR^

Premium Table -

Age Band 56-60 Yrs 364 days 61-70 Yrs 56-60 Yrs 61-70 Yrs

1-7 1319 1998 3540 5501

8-14 1773 2835 4993 7928

15-21 2148 3727 5974 11124

22-28 2596 4538 7233 13298

29-35 2942 5542 8801 16989

36-47 3630 6833 11223 21909

48-60 4668 8371 16492 28359

61-75 5470 10517 23912 36355

76-90 7784 15903 27206 58541

91-120 9641 18561 31315 70825

121-150 12516 25907 43546 102015

151-180 14810 31257 49713 114469

Travel Guard Gold Plan (without submilits)

364 days 364 days 364 days

Amount in INR^

^Includes 14% of Service Tax.

UIN: IRDA/NL-HLT/TAGI/P-T/V.III/35/14-15

Premium Table -

Age Band 56-60 Yrs 364 days 61-70 Yrs 364 days 56-60 Yrs 364 days 61-70 Yrs 364 days

1-7 1458 2591 3927 6804

8-14 2198 3469 6724 9636

15-21 2348 4628 7286 12311

22-28 2731 5562 8420 14965

29-35 3217 6646 10113 18997

36-47 3860 8197 12368 24151

48-60 6167 10047 19823 30231

61-75 8262 12721 27619 38325

76-90 9990 19480 31408 64237

91-120 11045 21814 34317 74952

121-150 12963 31345 46718 105190

151-180 15771 38654 54380 126836

Travel Guard Platinum Plan (without sublimits)

Amount in INR^

Premium Table -

Age Band 56-60 Yrs 364 days 61-70 Yrs 364 days 56-60 Yrs 364 days 61-70 Yrs 364 days

1-7 1013 1840 3091 5000

8-14 1446 2482 4278 6979

15-21 1667 3190 4968 8967

22-28 2065 3873 5703 11283

29-35 2358 4585 7016 13743

36-47 2904 5795 9068 17736

48-60 3385 7271 14487 22017

61-75 4288 9532 21483 27003

76-90 5576 14019 23099 46533

91-120 6576 16586 25461 54298

121-150 9048 22750 31301 75248

151-180 10831 27789 38614 89431

Travel Guard Silver Plus Plan (without Sublimits)

Amount in INR^

## Annual Multi trip policies are renewable only beyond the age of 71 years provided applicant has availed cover

before 70 years of age and renewed with Tata AIG continuously. Renewal Terms and conditions would be

applicable as per the policy wordings.

^Includes 14% of Service Tax.

Discount Matrix in Family Option for Silver and Silver Plus plans Only.

Note:

Discount rate is based on % of the summation of the premium mentioned above. Family means the Insured Person

and/or the Insured Person's Spouse and/or, the Insured Person's Eligible Children and/or Insured Person's Parents.

This is applied only for the same plan and same trip duration as per the family definition.

Premium Table -

Plan Gold

## ## ##

Age Band 56-60 Yrs 61-70 Yrs 71-79 Yrs > 80 Yrs 56-60 Yrs 61-70 Yrs 71-79 Yrs > 80 Yrs

364 days 364 days 364 days 364 days 364 days 364 days & above

1-30 11393 22520 32427 38058 14297 26058 43777 66708

1-45 11858 35961 51785 60775 14537 42043 67269 139920

Annual Multi Trip (without sublimits)

Platinum

Amount in INR^

Discount Matrix

1 member 0

2 member 5%

3 member 10%

Discount Matrix

4 member 15.0%

5 member 17.5%

6 member 20.0%

UIN: IRDA/NL-HLT/TAGI/P-T/V.III/35/14-15

(Worldwide Excluding USA/Canada)

(Worldwide Including USA/Canada)

(Worldwide Excluding USA/Canada) (Worldwide Including USA/Canada)

(Worldwide Excluding USA/Canada)

(Worldwide Including USA/Canada)

With Sub Limits

Premium Table - Silver Plan

Age Band

1-7 611 653 1081 911 1060 1638

8-14 857 931 1458 1295 1467 2287

15-21 969 1075 1963 1358 1783 3072

22-28 1105 1332 2383 1631 2046 3866

29-35 1302 1523 2953 2028 2519 4710

36-47 1545 1875 3731 2484 3256 6078

48-60 1876 2187 4884 3453 4969 7873

61-75 2232 2769 6400 5081 8034 9655

76-90 2855 3601 9188 6076 8820 16938

91-120 3575 4241 11589 6312 9823 21014

121-150 4606 5827 15884 8311 11213 29111

151-180 5649 6969 17067 10474 12925 31155

Travel Guard

6 Months-40 Yrs 41-60 Yrs 61-70 Yrs 6 Months-40 Yrs 41-60 Yrs 61-70 Yrs

Amount in INR^

Sub-limits - * Pre-existing condition or any complication arising from it in a Life saving unforeseen emergency

condition would be reimbursed up to $1500 per policy. * The following Maximum eligible expenses per

Disease/Illness/Injury are automatically applicable to Insured Persons Aged 56 years onwards, regardless of the

plan/option purchased at the inception of the policy and its subsequent renewals if applicable. * Hospital Room rent,

Board and Hospital misc. maximum $1500 per day up to 30 days. * Intensive Care Unit-Maximum $3000 per day up to

7 days. * Surgical Treatment-Maximum USD $10000. * Anesthetist Services-Maximum up to 25% of Surgical

treatment. * Physician's Visit-Maximum $75 per day up to 10 visits. * Diagnostic and Pre-admission testing-Maximum

up to $ 500. * Ambulance Service-Maximum upto $ 400. * Accidental Death and Dismemberment Benefit is limited to

$5000 for two wheeled motorised mode of conveyance irrespective of any Plan and age wherever applicable. *

Accident and Sickness Medical Expense is limited to $10000 for two wheeled motorized mode of conveyance

irrespective of any Plan and age wherever applicable. * Accidental Death and Dismemberment Benefit is limited to

10% of Principal Sum Insured for Insured Person with age 17 years or below.

Restriction of Sum Insured - Under renewal's of Annual Multi trip from 71 years onwards, the amount payable for any

illness/disease/injury/condition including its consequences will be restricted to 10% of the Sum Insured as shown in

the policy schedule in case such claim arises due to the same illness/disease/injury/conditon which had been incurred

and paid in any of the rior policies issued by Us to the same insured.

Premium Table -

Age Band Months Months

1-7 846 1015 1537 1182 1416 2200

8-14 1077 1363 2181 1555 1997 3171

15-21 1279 1652 2867 1790 2389 4449

22-28 1485 1996 3491 2120 2893 5319

29-35 1749 2263 4262 2540 3520 6796

36-47 2022 2792 5257 3184 4489 8763

48-60 2429 3591 6439 4166 6597 11343

61-75 3080 4208 8089 6036 9565 14542

76-90 4044 5987 12232 7568 10882 23417

91-120 5295 7417 14279 8494 12526 28330

121-150 6415 9628 19928 11595 17418 40806

151-180 8040 11392 24044 14741 19885 45787

Travel Guard Gold Plan

6 -40 Yrs 41-60 Yrs 61-70 Yrs 6 -40 Yrs 41-60 Yrs 61-70 Yrs

Amount in INR^

Premium Table -

Plan Gold

Age 19-40 41 - 60 61-70 71-79 > 80 19-40 41 - 60 61-70 71-79 > 80 Yrs

## ##

Band Yrs Yrs Yrs Yrs Yrs Yrs Yrs Yrs Yrs & above

1-30 3731 4557 9007 12971 15222 4115 5718 10423 17512 26684

1-45 4128 4744 14385 20714 24309 4692 5815 16817 26907 55968

Annual Multi-Trip

Platinum

## ##

## Annual Multi trip policies are renewable only beyond the age of 71 years provided applicant has availed cover

before 70 years of age and renewed with Tata AIG continuously. Renewal Terms and conditions would be

applicable as per the policy wordings.

^Includes 14% of Service Tax.

UIN: IRDA/NL-HLT/TAGI/P-T/V.III/35/14-15

(Worldwide Excluding USA/Canada)

(Worldwide Including USA/Canada)

Premium Table -

Age 71-75 Yrs 76-79 Yrs 80-85 Yrs 86+ 71-75 Yrs 76-79 Yrs 80-85 Yrs 86+

Band 364 days 364 days 364 days Yrs 364 days 364 days 364 days Yrs

1-7 1890 2519 5039 8567 2579 3438 6017 10229

8-14 2547 3396 6792 11547 3598 4797 8395 14272

15-21 3183 4244 8487 14429 4712 6281 10993 18687

22-28 3827 5103 10204 17347 5929 7905 13834 23518

29-35 4639 6185 13606 23131 7205 9607 19501 33152

36-47 5922 7897 17372 29533 9306 12408 25188 42820

48-60 7437 9916 21617 36749 11667 15555 31577 53681

61-75 10420 14326 30372 51632 15266 20991 42612 72440

76-90 13324 18321 36642 62291 19282 26513 48253 82030

91-120 19373 27350 54699 92989 33404 47158 82527 140296

121-150 26674 37658 75315 128036 46398 65503 114630 194873

151-180 34564 49925 99850 169745 62243 89906 157335 267470

Travel Guard 70+ Senior Plan

Amount in INR^

Premium Table -

Age Band Months Months

1-7 728 780 1415 1061 1236 2000

8-14 1023 1112 1910 1511 1711 2792

15-21 1155 1283 2453 1582 1987 3586

22-28 1316 1588 2979 1899 2281 4513

29-35 1548 1814 3527 2361 2806 5497

36-47 1837 2233 4457 2892 3627 7094

48-60 2231 2604 5593 4022 5795 8807

61-75 2654 3298 7331 5922 8593 10802

76-90 3394 4290 10783 7083 9240 18613

91-120 4259 5058 12759 7358 10185 21719

121-150 5496 6961 17500 9696 12521 30099

151-180 6748 8331 21376 12228 15446 35772

Travel Guard Silver Plus Plan

6 -40 Yrs 41-60 Yrs 61-70 Yrs 6 -40 Yrs 41-60 Yrs 61-70 Yrs

Amount in INR^

Premium Table -

Age Band

1-7 995 1121 1994 1208 1571 2721

8-14 1228 1691 2669 1687 2689 3854

15-21 1482 1807 3560 2024 2914 4925

22-28 1797 2101 4278 2263 3369 5986

29-35 1977 2475 5112 2810 4045 7599

36-47 2313 2969 6305 3362 4948 9660

48-60 3270 4745 7728 4738 7930 12092

61-75 4640 6354 9785 6710 11048 15330

76-90 5649 7685 14984 8104 12564 25694

91-120 6200 8496 16780 8991 13727 29981

121-150 8014 9972 24112 12165 18688 42076

151-180 9948 12132 29735 15211 21752 50735

Travel Guard Platinum Plan

6 Months-40 Yrs 41-60 Yrs 61-70 Yrs 6 Months-40 Yrs 41-60 Yrs 61-70 Yrs

Amount in INR^

^Includes 14% of Service Tax.

With Sub Limits

UIN: IRDA/NL-HLT/TAGI/P-T/V.III/35/14-15

(Worldwide Excluding USA/Canada)

(Worldwide Including USA/Canada)

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