Travel Guard
Travel in peace anywhere in the world. Travel with Travel Guard.
A holiday is important time to recharge yourself. It is what you work for and owe yourself. An injury or illness on a trip like this can be unpleasant and expensive. Tata AIG's Travel Guard is a "Global Travel Protection" policy that any resident Indian between the ages of 6 months and 70 years can buy (for travel abroad on business or leisure).
You need no medical certification, whatever your age, though you do need a declaration of recent medical history. Any pre-existing ailments or medical conditions are not covered under this policy.
- Feautures
Unique Features
Coverage of Medical Expenses: Travel Guard takes care of your medical expenses due to accident and sickness while traveling so that you can concentrate on better things like enjoying the holiday.
Checked Baggage Loss: Compensation for the loss of checked in baggage.
Baggage delay: Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.
Loss of Passport: Compensation for expenses incurred in obtaining a duplicate or new passport.
Personal Liability: Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.
Hijacking: In an unfortunate event of your common carrier in which you are travelling; being hijacked, this product will pay a distress allowance to you.
In-hospital Indemnity: Travel Guard pays a Daily benefit for each day you are an inpatient in a hospital due to injury or sickness.
Trip Delay: Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).
Automatic-extension of the policy: Travel Guard allows you to extend your policy upto a period of 7 days from the policy expiry date.
Personal Accident: TravelGuard gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.
Sickness Dental Relief: The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.
Assistance Services:
AIG Assist (US & Canada) and ISOS (Rest of World) are available round the clock for any assistance:
- Pre-departure services - information about foreign locations, passport / visa requirements, immunization requirements etc
- Emergency Travel Agency - provides with 24 hour travel agency service for airline and hotel reservations.
- Medical Assistance - Assistance service in contacting the medical facility where you are located and determine the next course of action. Assistance company will also recommend or assist in securing the availability of services of local Physician and arranging medical services.
- Medical Evacuation & Repatriation - In the event of medical emergency, the assistance services will arrange for evacuation and transportation based on the medical evaluation of your condition. Travel Guard also provides for repatriation of remains in case of unfortunate death of the insured while overseas.
- Lost travel documents assistance
- Emergency Message transmission services
- Embassy referral services
- Claims procedures Information services
Additional Features (with Family Option)
- Automatic Extension of policy
- Emergency Cash advance
- No medical examinations up to the age 70 years.
- Benefits
| Benefits | Single Trip | Annual Multi Trip | |||
|---|---|---|---|---|---|
| fig in $ | Silver | Gold | Platinum | Gold | Platinum |
| (Including & Excluding the Americas) | (Worldwide) | ||||
| Accidental Death and Dismemberment Benefit (24 Hrs) | 10000 | 15000 | 25000 | 15000 | 25000 |
| Accidental Death and Dismemberment Benefit (Common Carrier) | N/A | 5000 | 5000 | 5000 | 5000 |
| Accident & Sickness Medical Expense Reimbursement | 50000 | 200000 | 500000 | 250000 | 500000 |
| Deductible | 100 | 100 | 100 | 100 | 100 |
| Sickness Dental Relief | 300 | 400 | 500 | 400 | 500 |
| Deductible | 150 | 150 | 150 | 150 | |
| Emergency Medical Evacuation Benefit | Included* | Included* | Included* | Included* | Included* |
| Repatriation of Remains Benefit | Included* | Included* | Included* | Included* | Included* |
| Baggage Delay Benefit (After first 12 hrs.) | 50 | 100 | 200 | 100 | 200 |
| Checked Baggage Loss Benefit | 500 | 1000 | 1000 | 1000 | 1000 |
| Loss of Passport Benefit | 250 | 250 | 250 | 250 | 250 |
| Deductible | 30 | 30 | 30 | 30 | 30 |
| Personnal Liability Benefit | 100000 | 200000 | 200000 | 200000 | 200000 |
| Deductible | 200 | 200 | 200 | 200 | 200 |
| Trip Delay Benefit | na | Included* | Included* | Included* | Included* |
| Deductible | na | 12 hrs, 10$ per 12 hrs | 12 hrs, 10$ per 12 hrs | 12 hrs, 10$ per 12 hrs | 12 hrs, 10$ per 12 hrs |
| Maximum | na | $100 | $100 | $100 | $100 |
| Hijacking Benefit | na | Included* | Included* | Included* | Included* |
| Deductible | na | 1 day, 100$ per day & Max 500$ | 1 day, 100$ per day & Max 500$ | 1 day, 100$ per day & Max 500$ | 1 day, 100$ per day & Max 500$ |
| In - Hospital Indemnity Benefit | na | na | na | Included* | Included* |
| Deductible | na | 1 day,15$ per day & Max 150$ | 1 day,15$ per day & Max 150$ | ||
| Automatic extension of policy upto 7 days | Available | Available | Available | Available | Available |
| Emergency cash advance | 500 | 1000 | 1500 | 1000 | 1500 |
Following Max.eligible exp.per Sickness or Disease are applicable to Insured Persons Aged 56-70, regardless of the plan / option purchased.
| Hospital Room and Board and Hospital miscellaneous | Max 1,500 per day upto 30 days whichever is less. |
| Intensive Care Unit | Max 3,000 per day upto 7 days whichever is less. |
| Surgical Treatment | Max 10,000 |
| Anesthetist Services | Upto 25% of Surgical Treatment |
| Physician's Visit | Max 75 per Day upto 10 visits |
| Diagnostic and Pre-Admission Testing | Max 500 |
| Ambulance Services | Max 400 |
* Included under Accident & Sickness Medical Expenses Reimbursement
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*premium (Rs) inclusive of 10.3% service tax
- Exclusions
You are not covered if any expenses incurred directly or indirectly in respect of: traveling against the advice of the physician; for obtaining treatment; pre-existing ailments & complications arising out of them; Suicide or attempted suicide; war; terrorism; illegal acts; dangerous sports etc For other exclusions please refer to the policy wordings.
The coverage, terms & exclusions have been outlined briefly; kindly refer the policy wordings for complete details.
