Travel Insurance Policy

• Travel Insurance provides cover against risks related to travel ( Domestic as well as Abroad)

• Combination of variety of possible risks including hijack

• Types of Travel Insurance• Overseas Travel Insurance

• Domestic Travel Insurance

• Student’s Travel Insurance

Features of Overseas Travel Insurance(Travel Guard - TATA AIG)

• Coverage:• Coverage of medical expenses (accident/ illness)• Baggage loss (checked-in)• Loss of passport (exp to obtain duplicate or new)• Personal Liability (caused involuntarily)• Hijacking (distress allowance)• In-hospital indemnity (daily benefit)• Trip delay (additional exp – above 12 hrs delay)• Automatic Extension of Policy ( 7 days)• Personal Accident (death or dismemberment)• Dental relief (immediate treatment)

• Medical Assistance:• Medical services provider referral• Arrangement of hospital admission• Monitoring of condition• In-touch with service provider• Contact with family physician• Medical evacuation• Repatriation

• Additional assistance: (Round the clock assistance)• General assistance

» Translation and communication» Government agencies inormation» Claim filing information

• Pre-departure services» Hazards at foreign locations

» Passport or visa related information

• Emergency travel agency» Airline and hotel reservations

• Emergency cash transfer» As per credit limits

• Legal assistance» Against non-criminal action

» Name the attorney

• Exclusions:• Travelling against the advice the advice of physician• For obtaining treatment• Pre-existing diseases• Suicide or attempted suicide• Illegal Act• Dangerous sports

Features of Domestic Travel Insurance(Domestic Travel Guard - TATA AIG)

• Coverage:• For travel with in India• Accidental death & dismemberment• Missed departure ( certified)• Trip delay ( reasonable expenses)• Lost ticket• Medical evacuation• Personal liability

Features of Student’s Travel Insurance(Student Guard Plus - TATA AIG)

• Coverage:• Study Interruption ( medical reasons)• Sponsor protection (death or disablement)• Medical expense (actual expenses)• Compassionate Visit of family member (hospitalization case)• Visit by student for above seven days (death or

hospitalization)• Personal Accident• Mental and Nervous disorders ( treatment expenses)