Domestic Travel Guard Policy

UIN: IRDA/NL-HLT/TAGI/P-T/V.I/240/13

Accidental Death and Dismemberment Benefit
Emergency Accident Medical Expenses Reimbursement: provides coverage for medical expenses incurred towards the treatment due to accidental injuries.
Missed Departure (Rail / Air): In the event of missing the departure of your booked journey, the cost of your actual ticket (air / rail) will be reimbursed subject to certification by the concerned authority if you cannot reach the original departure point of your booked journey on the outward or return journey incase
- public transport services fail or
- the vehicle in which you are travelling is involved in an accident, on the way to catch the return flight/train journey
Accommodation charges due to trip delay:Provides reimbursement coverage for accommodation charges if trip is delayed for more than 5 hours due to covered hazard. Benefits are subject to the per day maximum shown in the Policy Schedule
Loss of Tickets : We will reimburse upto the amount stated in the policy schedule for the cost of your actual Ticket (Common Carrier – Air/ Rail) subject to the deductible, if the same is lost by you and you could not continue your intended travel.
Emergency medical evacuation: In the event of a medical emergency, the arrangements for the evacuation and transportation of the insured for appropriate & quality medical care, shall be covered.
24 x 7 Assistance: Our assistance team will be available round the clock for any assistance or referral services.
Renewable for life (For annual Multi Trip only).
15 days Free Look period (For the new business-annual for multi trip only)
30 days Grace Period (For renewals for annual multi trip only)
Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal . However the quantum of increase shall be as per underwriting guidelines of the company.( For renewals annual mutitrip only).
Changes will be notified to the policyholders 3 months in advance in case of revision /modification in approved product.
Likelihood of withdrawal of the product will be notified to the policy holders 3 months prior to the expiry of the policy and option would be given to migrate to similar travel insurance policy .

Domestic Travel Guard Policy(for Travel within India)

A holiday is for a great change away from home. But what do you do if you fall ill in a completely new city, if your flight is delayed or baggage is lost! Despair at your helplessness?

Don’t worry. There is Tata AIG General Insurance Company Limited Domestic Travel Guard Policy, a travel insurance product for travel anywhere within India, that can take care of all that and more giving you that peace of mind even away from home.

What are the other features of Domestic Travel Guard Policy?

Some of the covers included in this policy include :

Repatriation of Remains

Personal Liability.

Our Round the Clock Assistance in India

Assistance Company will provide the following services as described below.

Medical Assistance: As soon as the Assistance Company is notified of a medical emergency resulting from Your Accident, the Assistance Company will contact the medical facility or location where You are located and confer with the Physician at that location to determine the best course of action to be taken. If possible and if appropriate, Your family Physician will be contacted to help arrive at a decision as to the best course of action to be taken. The Assistance Company will then organize a response to the medical emergency, doing whatever is appropriate, including, but not limited to, recommending or securing the availability of services of a local Physician and arranging Hospital confinement of You where, in its discretion, deems such confinement appropriate.
Medical Evacuation: When, in the opinion of the Assistance Company's medical panel, it is judged medically appropriate to move You to another location for treatment or return You to Your usual Town of residence, the Assistance Company will arrange the evacuation, utilizing the means best suited to do so, based on the medical evaluation of the seriousness of Your condition, and these means may include air ambulance, surface ambulance, regular airplane, railroad or other appropriate means. All decisions as to the means of transportation and final destination will be made by the Assistance Company.
Repatriation: The Assistance Company agrees to make the necessary arrangements for the return of Your remains to Your usual Town of residence in the event You die while this service agreement is in effect as to You.
Legal Assistance: If You are arrested or are in danger of being arrested as the result of any non-criminal action resulting from responsibilities attributed to You, Assistance Company will, if required, provide You with the name and address of an attorney who can represent You in any necessary legal matters.
Arrangement of Bail Bond: The Assistance Company will also assist the Member by arranging for bail bond on behalf of the Member. The provision of financial guarantee is subject to the Assistance Company first securing payment from the Member through his/her credit card or from funds from the Member's family.
Lost Luggage Assistance: The Assistance Company will assist the Member who has lost his luggage while traveling by contacting the appropriate authorities involved and providing directions for recovery.
Lost Travel Document / Credit Card Assistance: In the event of a lost travel document or credit card, The Assistance Company will assist the Member by providing directions on reporting the loss and requesting for replacement.
Emergency Travel Services: To assist the Member by arranging for emergency tickets, replacements of tickets and arrangement of hotel accommodation when traveling outside the home town or usual Town of residence.
Emergency Message Transmission Assistance:The Assistance Company shall use its best efforts to transmit messages or medical information, upon the Member's request and consent, to the Member's friends, relatives and/or business associates.
Hotel Accommodation Referral: To provide the name, address and telephone number of hotels in major cities Within the Republic Of India.
Telephone Medical Advice: When Traveling The Assistance Company will arrange to provide medical advice to the Members over the telephone.
Medical Service Provider Referral: The Assistance Company will provide the Member with information about physicians, hospitals, clinics, dentists and dental clinics Within the Republic Of India.
Arrangement of Appointments with Doctors: The Assistance Company will assist the Member in arranging for appointments with medical service providers, if medically necessary.
Arrangement of Hospital Admission: If the medical condition of the Member, due to an accident, is of such gravity, that hospitalization is needed, The Assistance Company will assist the Member to arrange for hospital admission.
Arrangement of Appointments with Doctors:The Assistance Company will assist the Member in arranging for appointments with medical service providers, if medically necessary.
Guarantee of Medical Expenses Incurred During Hospitalization with Insurance, due to an accident: The Assistance Company shall assist the Member by guaranteeing on behalf of the Subscriber the medical expenses incurred during his/her hospitalization.
Monitoring of Medical Condition During Hospitalization: When the Member is hospitalized, due to an accident, The Assistance Company will monitor the Member's medical condition with the attending Physician.
Arrangement of Compassionate Visit: Visit The Assistance Company will arrange for return airfare, train fare for an immediate family Member to visit the Member who, when traveling alone, has been hospitalized, due to an accident, outside the home town or usual Town of residence.
Product & Claims Information Services: The Assistance Company will provide information, in accordance with a protocol to be mutually agreed, on general claims procedures and main product features to the Member, when requested and if available. Should The Assistance Company not have the information available, The Assistance Company will direct the Member to contact the AIG company directly.

Who is this insurance suitable for?

Anyone traveling by Air/ Rail/ Road within the Republic of India

What is not covered?

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 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
any Pre-existing Condition or any complication arising from it; or
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
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
being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed; or
participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion; or
operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Airline; or
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
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.
any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Act of Terrorism ; or
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
the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment; or
performance of manual work for employment or any other hazardous occupation, self exposure to needless peril (except in an attempt to save human life); or
congenital anomalies or any complications or conditions arising therefrom; or
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/and any other hazardous or potentially dangerous sport for which You are untrained
the Insured Person riding on a motorcycle or any other two wheeled motorized mode of conveyance as driver or as passenger.
any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy, or
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;
any loss, injury, damage or legal sustained directly or indirectly by: Any terrorist or member of a terrorist organization, narcotics trafficker, or purveyor of nuclear, chemical or biological weapons.
Any non medical expenses

For detailed list of exclusions please refer policy wordings.

How can I register a Claim?

Call us at our Toll Free No 1800 266 7780/1800 22 9966 (Only for Senior Citizens)
You may also call at 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: customersupport@tata-aig.com