Policy Overview:

The Insurance is issued by TATA AIG General Insurance Company Limited under the Product TATA AIG Travel Insurance –
Group International and is valid for duration mentioned in the Certificate of Insurance
Age Criteria Day 1 – 60 years
Insurance Provider TATA AIG General Insurance Company Limited
Product Name TATA AIG Travel Insurance – Group International
UIN TATTGOP25046V032425

Inclusions:

Sum Insured (US $)-

Coverages Worldwide Excl
Deductibles
USA/Canada
Base Cover-Medical Expenses - Accident and Illness 500000 Nil
Extension-Emergency Medical Evacuation Included Nil
Extension-Repatriation of Mortal Remains Included Nil
Extension-Emergency Dental Expense 500 Nil
Add on- Hijack daily allowance($60 per day)(max upto 10 days) 600 24 hrs
Base Cover-Hospital Daily Cash(USD 50 per day)(Max 10 days) 500 24 hours
Base Cover-Accidental Death(24 Hours) 25000 Nil
Extension-Outpatient Expenses 500 Nil
Extension-Permanent Total Disability 25000 Nil
Add on-Missed Connection-Home to Home 500 Nil
Add on-Common Carrier Delay 100 6 hrs
Add on- Trip Cancellation 1000 Nil
Add in-Accommodation Cancellation 1000 Nil
Add on- Trip Interruption 1000 Nil
Add on-Major Travel Event cover Included
Add on -Loss of Passport 250 Nil
Add on- Home Content Burglary 500000 Nil
Add on Bounced Booking of accommodation 500 Nil
Add on-Compassionate visit Travel 1000 Nil
Add on-Delay of Checked-in baggage-Home to Home 200 12 hrs
Terrorism Cover Included Nil
Permanent Partial Disability 25000 Nil
Travel With Pet Cover 100 Nil
Add on -Personal Liability 250000 100
Add on- loss of Cash 1000 Nil
Add on-Loss of Checked-in Baggage-Home to Home 1000 Nil
Add on-Golfers Hole in One 500 Nil
Overseas Assistance Services Included Nil
Exclusions:

This entire Policy does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, directly or
indirectly in respect of:
• Where the Insured Person is travelling against the advice of a Medical Practitioner; or receiving or on a waiting list
for receiving specified medical treatment; or is travelling for the purpose of obtaining treatment; or has received a
terminal prognosis for a medical condition.
• Treatment which could be reasonably delayed until the Insured Person's return to place of destination.
• Any Claim occurring in a geographic zone/city/state which is not specifically covered under the Policy and is not
mentioned in the Policy Schedule/ Certificate of Insurance
• Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness.
• Certification / diagnosis / Treatment by a family member, or a person who stays with the Insured Person, or from
persons not registered as Medical Practitioners under the respective Medical Councils, or from a Medical
Practitioner who is practicing outside the discipline that he is licensed for, or any diagnosis.
• Treatment that is not scientifically recognized or Unproven/Experimental treatment, or any form of clinical trials or
any kind of self-medication and its complications
• Rest or recuperation at a spa or health resort, sanatorium, convalescence home or institution.
• Any form of Alternative Treatment: AYUSH Treatment; Hydrotherapy, Acupuncture, Reflexology Treatment or any
other form of indigenous system of medicine
• Any expenses incurred in connection to Treatment for general debility, ageing, convalescence, sanatorium
Treatment, rehabilitation measures, private duty nursing, respite care, health resort, rundown condition or rest
cure.
• Circumcision unless necessary for Treatment of an Illness or Injury not excluded hereunder or due to an Accident.
• Associated expenses for alopecia, baldness, wigs, or toupees and hair fall treatment and products, issue of medical
certificates and examinations as to suitability for employment or travel.
• Any injury, Accident, illness or any other loss sustained or contracted or caused by the Insured Person as a
consequence of the Insured Person being intoxicated or being under the influence of any narcotic or drug or
alcohol.
• Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion.
• Operating or learning to operate any aircraft or performing duties as a member of the crew on any aircraft or
Scheduled Airline
• Any loss due to the release, dispersal or application of pathogenic or poisonous biological or chemical materials.
• External Congenital anomalies or any complications or conditions arising there from.
• Any Insured Person’s participation in Adventure sports without expert supervision of trained professional or
participation in Professional Sports
• Insured Person’s actual or willful participation in, an illegal act or any violation or attempted violation of the law.
• Any loss caused by osteoporosis (porosity and brittleness of the bones due to loss of protein form the bones matrix)
or pathological fracture (any fracture in an area where Pre-existing Disease has caused the weakening of the bone)
if osteoporosis or bone Disease diagnosed prior to the Policy / Cover Period.
• Confinement in a Hospital which is not medically necessary
 • In respect of travel by the Insured Person to any places against whom the Republic of India has imposed general or
special travel restrictions, or against whom it may be imposed such restrictions.
• Pre-existing Disease or its complications and Maternity or its Compliations
• Insured Person's Participation in Adventure Sports for Leisure performed under expert supervision of trained
professional
• The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of
that equipment.
• Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning
nuclear fuel
• Losses due to war or any act of war, invasion, act of foreign enemy, civil war, public defense, rebellion, revolution,
insurrection, military or usurped acts, nuclear weapons/materials, Chemical and biological weapons, Ionizing
radiation.
• Servicing in OFAC sanction countries will be on reimbursement basis. No assistance services will be provided in
OFAC sanction countries

For detailed T&C of travel insurance, customer can refer to the TATA AIG Group Overseas Travel Guard Policy wordings here.