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.

Bounced Hotel /
Airline Booking 7

Flight Delay 8

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

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

50

Deductible

500

Bounced Hotel / Airline booking 7

50

Deductible

500

Missed Connection / Missed Departure 6

50

Deductible

500

Trip Curtailment

50

Deductible

500

Trip Cancellation 5
Home Burglary (In Rs.) 4

Home Burglary 4

Trip Cancellation 5

Emergency cash advance

Accident and Sickness

Medical Expense
Reimbursment 2

75

500

750

50

75

500

750

50

75

500

750

100

75

1,000

500

1,000

750

1,000

NA

Flight Delay^ 8

200

Deductible

1,000

100,000
30

Deductible

250

Loss of Passport Benefit

500

Checked Baggage Loss Benefit# 3

50

Baggage Delay Benefit (After first 12 hrs.) 3

150,000

200,000

30

30

250

250

750

1,000

100

200

100

750

100

1,000

75

1,000

100

750

100

1,000

75

1,000

100

750

1,000

`200,000 `200,000

2,000

1,000

1,500

500
NA

Included Included Included

200

1,000

75

Included Included Included

200

100

750

100
NA

200

200

500,000

100,000

30

30

250

250

1,000

500

500

50

2,000

1,000

Available Available Available Available Available Available

NA

1,500
Available

Included Included
Included Included
200
200,000

200
200,000

30

30

250

250

1,000

1,000

100

200

Included* Included* Included* Included* Included* Included* Included*

Repatriation of Remains

Included* Included* Included* Included* Included* Included* Included*

Emergency Medical Evacuation Benefit

150

Deductible

300

Sickness Dental Relief

100

Deductible
Accident and Sickness Medical Expense
Reimbursement 2

150

500

100

50,000
NA

Accidental Death and Dismemberment

Benefit (Common Carrier)

10,000

Accidental Death and Dismemberment

Benefit (24 hrs) 1

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.

Sum(s) Insured in US $

150

400

SALIENT FEATURE AND BENEFITS

100,000

100
250,000

5,000
10,000

5,000
15,000

150

150

1,000

300

100

100

500,000

50,000

5,000

NA

25,000

10,000

(Including and Excluding the Americas)

6 Months70 Yrs

Age Band

Travel in peace anywhere in the world.

Travel with Tata AIG TravelGuard.

750

50

500

Hijack^^

Baggage Delay Benefit

(After first 12hrs) and
Checked Baggage
Loss Benefit 3

500

500

Automatic extension of policy upto 7 days

Personnal Liability Benefit

Accidental Death
and
Dismemberment
Benefit (24hrs) 1

75

`100,000 `100,000 `200,000 `200,000

Fraudulent Charges (Payment Card Security)

Missed Connection /
Missed Departure 6

50

Benefits

Silver

6 Months- 6 Months- 6 Months70 Yrs

70 Yrs
70 Yrs

Silver
Plus

Gold

150

150

500

1,000

100
250,000

100
500,000

5,000

5,000

15,000

25,000

(Worldwide)

71 Yrs
19-70 Yrs
19-70 Yrs
& above and>71 Yrs## and> 71 Yrs##

Platinum

Senior
Plan

Gold

Platinum

Annual Multi Trip

Single Trip

Travel anywhere in the

world with peace of mind.

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.

IRDA of India REGULATION NO 5: This policy is subject to regulation 5 of IRDA of India (Protection of Policyholders
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.

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

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

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

Ver 1/All 389

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.

TAGIC/B/TG/Jan 15/8

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

Renewal Conditions:
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.
Cancellation of the Annual Multi Trip Policy:
This policy would be cancelled on grounds of mis-representation, fraud, non-disclosure of material facts or noncooperation 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.
General Exclusions:
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.

With Sub Limits

With Sub Limits

Travel Guard Silver Plan

(Worldwide Excluding USA/Canada)

(Worldwide Including USA/Canada)

6 Months-40 Yrs

41-60 Yrs

61-70 Yrs

611
857
969
1105
1302
1545
1876
2232
2855
3575
4606
5649

653
931
1075
1332
1523
1875
2187
2769
3601
4241
5827
6969

1081
1458
1963
2383
2953
3731
4884
6400
9188
11589
15884
17067

1-7
8-14
15-21
22-28
29-35
36-47
48-60
61-75
76-90
91-120
121-150
151-180

6 Months-40 Yrs 41-60 Yrs

911
1295
1358
1631
2028
2484
3453
5081
6076
6312
8311
10474

Travel Guard Gold Plan

Premium Table -

41-60 Yrs

61-70 Yrs

846
1077
1279
1485
1749
2022
2429
3080
4044
5295
6415
8040

1015
1363
1652
1996
2263
2792
3591
4208
5987
7417
9628
11392

1537
2181
2867
3491
4262
5257
6439
8089
12232
14279
19928
24044

6 Months-40 Yrs 41-60 Yrs

1182
1555
1790
2120
2540
3184
4166
6036
7568
8494
11595
14741

Plan

41-60 Yrs

61-70 Yrs

728
1023
1155
1316
1548
1837
2231
2654
3394
4259
5496
6748

780
1112
1283
1588
1814
2233
2604
3298
4290
5058
6961
8331

1415
1910
2453
2979
3527
4457
5593
7331
10783
12759
17500
21376

Age Band

41-60 Yrs

61-70 Yrs

995
1228
1482
1797
1977
2313
3270
4640
5649
6200
8014
9948

1121
1691
1807
2101
2475
2969
4745
6354
7685
8496
9972
12132

1994
2669
3560
4278
5112
6305
7728
9785
14984
16780
24112
29735

61-70
Yrs

71-79
##
Yrs

> 80
##
Yrs

19-40
Yrs

41 - 60
Yrs

61-70
Yrs

71-79
Yrs ##

> 80 Yrs
& above##

1-30
1-45

3731
4128

4557
4744

9007
14385

12971
20714

15222
24309

4115
4692

5718
5815

10423
16817

17512
26907

26684
55968

Age
Band

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

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.

71-75 Yrs
364 days

1-7
8-14
15-21
22-28
29-35
36-47
48-60
61-75
76-90
91-120
121-150
151-180

76-79 Yrs 80-85 Yrs

364 days 364 days

1890
2547
3183
3827
4639
5922
7437
10420
13324
19373
26674
34564

2519
3396
4244
5103
6185
7897
9916
14326
18321
27350
37658
49925

(Worldwide Excluding USA/Canada)

56-60 Yrs 364 days

61-70 Yrs 364 days

56-60 Yrs 364 days

61-70 Yrs 364 days

784
1117
1290
1598
1827
2250
2624
3323
4321
5089
6992
8362

1296
1750
2355
2860
3543
4478
5861
7680
11026
13907
19060
20480

2649
3669
4456
5117
6297
8138
12423
20086
22050
24558
28033
32314

4096
5717
7680
9664
11776
15195
19681
24137
42346
52535
72776
77888

Travel Guard Gold Plan (without submilits)

61-70 Yrs 364 days

56-60 Yrs 364 days

61-70 Yrs 364 days

1998
2835
3727
4538
5542
6833
8371
10517
15903
18561
25907
31257

3540
4993
5974
7233
8801
11223
16492
23912
27206
31315
43546
49713

5501
7928
11124
13298
16989
21909
28359
36355
58541
70825
102015
114469

Travel Guard 70+ Senior Plan (without submilits)

2551

3402

6550

76-79 Yrs
364 days

80-85 Yrs
364 days

86+
Yrs

8567
11547
14429
17347
23131
29533
36749
51632
62291
92989
128036
169745

2579
3598
4712
5929
7205
9306
11667
15266
19282
33404
46398
62243

3438
4797
6281
7905
9607
12408
15555
20991
26513
47158
65503
89906

6017
8395
10993
13834
19501
25188
31577
42612
48253
82527
114630
157335

10229
14272
18687
23518
33152
42820
53681
72440
82030
140296
194873
267470

Age Band

Amount in INR^

(Worldwide Including USA/Canada)

61-70 Yrs 364 days

56-60 Yrs 364 days

61-70 Yrs 364 days

1013
1446
1667
2065
2358
2904
3385
4288
5576
6576
9048
10831

1840
2482
3190
3873
4585
5795
7271
9532
14019
16586
22750
27789

3091
4278
4968
5703
7016
9068
14487
21483
23099
25461
31301
38614

5000
6979
8967
11283
13743
17736
22017
27003
46533
54298
75248
89431

Travel Guard Platinum Plan (without sublimits)

Amount in INR^

(Worldwide Including USA/Canada)

56-60 Yrs 364 days

61-70 Yrs 364 days

56-60 Yrs 364 days

61-70 Yrs 364 days

1458
2198
2348
2731
3217
3860
6167
8262
9990
11045
12963
15771

2591
3469
4628
5562
6646
8197
10047
12721
19480
21814
31345
38654

3927
6724
7286
8420
10113
12368
19823
27619
31408
34317
46718
54380

6804
9636
12311
14965
18997
24151
30231
38325
64237
74952
105190
126836

1-7
8-14
15-21
22-28
29-35
36-47
48-60
61-75
76-90
91-120
121-150
151-180

Amount in INR^
Annual Multi Trip (without sublimits)

Premium Table -

(Worldwide Including USA/Canada)

86+
Yrs

71-75 Yrs
364 days

76-79 Yrs
364 days

80-85 Yrs
364 days

86+
Yrs

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

^Includes 14% of Service Tax.

71-75 Yrs
364 days

56-60 Yrs 364 days

Premium Table -

Plan
Age Band
1-30
1-45

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

1-7

86+
Yrs

(Worldwide Excluding USA/Canada)

1319
1773
2148
2596
2942
3630
4668
5470
7784
9641
12516
14810

76-79 Yrs 80-85 Yrs

364 days 364 days

Age Band
1-7
8-14
15-21
22-28
29-35
36-47
48-60
61-75
76-90
91-120
121-150
151-180

Amount in INR^

56-60 Yrs 364 days

71-75 Yrs
364 days

(Worldwide Including USA/Canada)

(Worldwide Excluding USA/Canada)

(Worldwide Including USA/Canada)

(Worldwide Excluding USA/Canada)

5039
6792
8487
10204
13606
17372
21617
30372
36642
54699
75315
99850

Amount in INR^

Travel Guard Silver Plus Plan (without Sublimits)

Premium Table -

Amount in INR^
(Worldwide Including USA/Canada)

(Worldwide Excluding USA/Canada)

Age Band

2721
3854
4925
5986
7599
9660
12092
15330
25694
29981
42076
50735

Without Sub Limits

Travel Guard Silver Plan (without Sublimits)

Premium Table -

61-70 Yrs

1571
2689
2914
3369
4045
4948
7930
11048
12564
13727
18688
21752

^Includes 14% of Service Tax.

Without Sub Limits

Age Band

1208
1687
2024
2263
2810
3362
4738
6710
8104
8991
12165
15211

(Worldwide Excluding USA/Canada)

## 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.

1-7
8-14
15-21
22-28
29-35
36-47
48-60
61-75
76-90
91-120
121-150
151-180

2000
2792
3586
4513
5497
7094
8807
10802
18613
21719
30099
35772

6 Months-40 Yrs 41-60 Yrs

Travel Guard 70+ Senior Plan

Premium Table -

41 - 60
Yrs

Premium Table -

1236
1711
1987
2281
2806
3627
5795
8593
9240
10185
12521
15446

(Worldwide Including USA/Canada)

6 Months-40 Yrs

1-7
8-14
15-21
22-28
29-35
36-47
48-60
61-75
76-90
91-120
121-150
151-180

61-70 Yrs

Amount in INR^

(Worldwide Excluding USA/Canada)

Platinum

19-40
Yrs

Age Band

1061
1511
1582
1899
2361
2892
4022
5922
7083
7358
9696
12228

Travel Guard Platinum Plan

Premium Table -

2200
3171
4449
5319
6796
8763
11343
14542
23417
28330
40806
45787

Age
Band

1-7
8-14
15-21
22-28
29-35
36-47
48-60
61-75
76-90
91-120
121-150
151-180

6 Months-40 Yrs 41-60 Yrs

Amount in INR^

Gold

Premium Table -

(Worldwide Including USA/Canada)

6 Months-40 Yrs

1-7
8-14
15-21
22-28
29-35
36-47
48-60
61-75
76-90
91-120
121-150
151-180

61-70 Yrs

1416
1997
2389
2893
3520
4489
6597
9565
10882
12526
17418
19885

Annual Multi-Trip

Premium Table -

1638
2287
3072
3866
4710
6078
7873
9655
16938
21014
29111
31155

(Worldwide Including USA/Canada)

6 Months-40 Yrs

1-7
8-14
15-21
22-28
29-35
36-47
48-60
61-75
76-90
91-120
121-150
151-180

Age Band

Amount in INR^

(Worldwide Excluding USA/Canada)

Age Band

61-70 Yrs

1060
1467
1783
2046
2519
3256
4969
8034
8820
9823
11213
12925

Amount in INR^

(Worldwide Excluding USA/Canada)

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

Age Band

Travel Guard Silver Plus Plan

Premium Table -

Amount in INR^

56-60 Yrs
364 days
11393
11858

61-70 Yrs 71-79 Yrs## > 80 Yrs##

364 days 364 days
22520
35961

Amount in INR^
Platinum

Gold

32427
51785

38058
60775

56-60 Yrs 61-70 Yrs 71-79 Yrs ## > 80 Yrs

364 days 364 days 364 days
& above##
14297
14537

26058
42043

43777
67269

66708
139920

## 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

Discount Matrix

1 member

4 member

15.0%

2 member

5%

5 member

17.5%

3 member

10%

6 member

20.0%

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.

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

Premium Table -