Asia Guard Travel Insurance

Asia Travel Guard Policy

  UIN: IRDA/NL-HLT/TAGI/P-T/V.I/241/13-14
Asia Travel Guard Policy is a travel insurance policy that provides a comprehensive level of protection that can take care of any and every mishap, right from loss of baggage to medical emergency situations
  • Accident and Sickness Medical Expenses: Reimbursement of medical expenses due to accident and sickness.
  • Emergency Medical Evacuation and Repatriation of Remains: In the event of a medical emergency, we will arrange for the evacuation and transportation to move an ill or injured Insured to another location where appropriate medical treatment is available. The policy provides for repatriation of remains in case of unfortunate death of the insured while on trip.

Asia Travel Guard Policy

Holidays are the perfect opportunity to enjoy yourself and be with your loved ones. These special moments of togetherness are meant to be cherished forever.

So whenever you are travelling within Asia with Asia Travel Guard Policy, we ensure that every single moment of your holiday remains a sweet memory. So go ahead and enjoy it, because we understand that's what the holidays are meant for! As for the rest, we have you covered!
What are the other features of Asia Travel Guard Policy?
  • Checked Baggage Loss: Compensation for the loss of checked in baggage held in care and custody of Common Carrier.
  • Loss of Passport: Compensation for expenses incurred in obtaining a duplicate or new passport.
  • Checked Baggage Delay: Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.
  • 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.
  • Assistance Services:
    • Medical Services provider referral
    • Arrangement of hospital admissions
    • Lost luggage assistance
    • Emergency Travel services
    • Embassy referral services
    • Claims procedure information services
Who is this insurance suitable for?
Any resident of India between the age of 6 months to 70 years traveling within Asia on business or leisure can avail of this insurance policy.
Which countries are covered under Asia Travel Guard Policy?
All countries in Asia except Korea and Japan.
What is not covered under Asia Travel Guard Policy?
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:
  1. where the Insured Person is travelling against the advice of a Physician; 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; or
  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 Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection; or
  4. serving in any branch of the Military or Armed Forces of any country, whether in peace or War, and in such an event We, upon written notification by You, shall return the pro rata premium for any such period of service during the Trip; or
  5. being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed; or
  6. participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion; or
  7. operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Airline; or
  8. any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power; or
  9. any loss, damage cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.
    The warranty also excludes loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to action taken in respect of any act of terrorism.
    If the Company alleges that by reason of this Exclusion, any loss, damage, cost or expenses is not covered by this insurance the burden of proving the contrary shall be upon the Insured.
  10. any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Act of Terrorism; or
  11. the use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; The dispersal or application of pathogenic or poisonous biological or chemical materials; The release of pathogenic or poisonous biological or chemical materials, (However, the above only applies if 50 or more persons sustain death within 90 Days of the date of the incident) or
  12. the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
  13. performance of manual work for employment or any other hazardous occupation. or
  14. congenital anomalies or any complications or conditions arising therefrom; or
  15. participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which You are untrained
  16. the Insured Person riding on a motorcycle or any other two wheeled motorized mode of conveyance as driver or as passenger.
  17. any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy, or
  18. for any loss of which a contributing cause was Your actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or Your resistance to arrest;
  19. any loss, injury, damage or legal liability arising directly or indirectly from: Travel in, to, or through Afghanistan, Cuba or Democratic Republic of Congo; or
  20. any loss, injury, damage or legal liability arising directly or indirectly by: Any terrorist or member of a terrorist organization, narcotics trafficker, or purveyor of nuclear, chemical or biological weapons.
  21. Any non medical expenses

Please refer to policy wordings for complete list of exclusions.
How can I register a Claim?
While In India:
  • Toll Free No 1800 119966 from BSNL/MTNL Landline or 1800 22 9966 (only for senior citizen policy holders)
  • Call these local helpline numbers in your respective cities from any other line: Mumbai - 66939500 ; Delhi - 66603500 ; Bangalore - 66500001 ; Pune - 66014156 ; Chennai - 66841050 ; Hyderabad - 66629882 ; Ahmedabad - 66610201
  • Email:

Write to:
  • Tata AIG General Insurance Company Limited. A-501, 5th Floor, Building No. 4, Infinity Park, Gen. A. K. Vaidya Marg, Dindoshi, Malad (E), Mumbai, India - 400 097. SMS ‘ CLAIM’ to 58888
Contact Details While Abroad:

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