Travel Guard Policy

Tata AIG General Insurance Company Limited (We, Our or Us) will provide
the insurance described in this Policy and any endorsements thereto
for the Insured Period as defined in this Policy, to the Insured Persons
named in the Policy Schedule and in reliance upon the statements
contained in the Proposal which shall be the basis of this Policy and
are deemed to be incorporated herein in return for the payment of
the required premium when due and compliance with all applicable
provisions of this Policy.
The insurance provided under this Policy is only with respect to such
and so many of the benefits as are indicated by a specific amount set
opposite in the Policy Schedule or the Schedule of Benefits.
This Policy will only be in force if the Policy Schedule is signed by a
person We have authorized.
Part A: General Definitions
We use certain words in this Policy and Policy Schedule, which have
a specific meaning and are shown under the heading of General
Definitions in the Policy. They have this meaning wherever they appear
in the Policy or Policy Schedule and are shown with an initial capital
letter. Where the context so permits references to the singular shall
also include references to the plural and references to the male gender
shall also include references to the female gender, and vice-versa in
both cases.
1. Accident - means a sudden, unforeseen, and involuntary event
caused by external, visible and violent means.
2. Act of Terrorism - An act of terrorism means an act, including
but not limited to the use of force or violence and / or the threat
thereof, of any person or group(s) of persons whether acting
alone or on behalf of or in connection with any organisation(s)
or government(s), committed for political, religious, ideological
or similar purpose including the intention to influence any
government and/or to put the public, or any section of the public
in fear.
3. Age - means completed years as at the Effective Date.
4. Assistance Company - as designated in the Policy schedule.
5. Common Carrier - means any civilian land or water conveyance
or Scheduled Aircraft in each case operated under a valid license
for the transportation of passengers for hire.
6. Condition precedent - means a policy term or condition upon
which the insurer’s liability under the policy is conditional upon.
7. Cashless Service - means a facility extended by the insurer to the

1
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

insured where the payments, of the costs of treatment undergone

by the insured in accordance with the policy terms and conditions,
are directly made to the network provider by the insurer to the
extent pre-authorization approved.
8. Contribution - means essentially the right of an insurer to call upon
other insurers, liable to the same insured, to share the cost of an
indemnity claim on a rateable proportion of Sum insured. This clause
shall not apply to any benefit offered on fixed benefit basis.
9. Congenital Anomaly - means a condition(s) which is present since
birth, and which is abnormal with reference to form, structure or
position.
• Internal Congenital Anomaly - which is not in the visible and
accessible parts of the body
• External Congenital Anomaly - which is in the visible and
accessible parts of the body
10. Day - means a period of 24 consecutive hours.
11. Disease/Illness - means a sickness or a disease or pathological
condition leading to the impairment of normal physiological
function which manifests itself during the Policy Period and
requires medical Treatment.
(a) Acute Condition - is a disease, illness or injury that is likely to
respond quickly to treatment which aims to return the person
to his or her state of health immediately before suffering the
disease/illness/injury which leads to full recovery.
(b) Chronic Condition - is defined as a disease, illness, or injury
that has one or more of the following characteristics:
• it needs ongoing or long-term monitoring through
consultations, examinations, check-ups, and / or tests
• it needs ongoing or long-term control or relief of symptoms
• it requires your rehabilitation or for you to be specially
trained to cope with it
• it continues indefinitely
• it comes back or is likely to come back.
12. Dental Treatment - is a treatment carried out by a dental
practitioner including examinations, fillings (where appropriate),
crowns, extractions and surgery excluding any form of cosmetic
surgery/implants.
13. Deductible - is a cost sharing requirement that provides that the
Insurer will not be liable for a specified rupee amount in case of

2
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

indemnity policies and for a specified number of days/hours in

case of hospital cash policies which will apply before any benefits
are payable by the Insurer. A deductible does not reduce the sum
insured.
The deductible is applicable per event.
14. Eligible Children - means named dependent children including
adopted and step children of the Insured Person between Ages
six (6) months and eighteen (18) years (twenty three (23) years if
attending as a full time student an accredited Institution of Higher
Learning) who are unmarried, who permanently reside with the
Insured Person, and receive the majority of maintenance and
support from the Insured Person.
15. Eligible Family - means the Insured Person and/or the Insured
Person’s Spouse and/or, the Insured Person’s Eligible Children &
Insured Person’s Parents.
16. Grace Period - means the specified period of time immediately
following the premium due date during which a payment can
be made to renew or continue a policy in force without loss of
continuity benefits such as waiting periods and coverage of pre-
existing diseases. Coverage is not available for the period for which
no premium is received.
Such facility is only applicable in Annual multi trip Policies.
17. Hospital - A hospital means any institution established for In-
patient care and day care treatment of sickness and/or injuries and
which has been registered as a Hospital with the local authorities,
wherever applicable, and is under the super vision of a registered
and qualified medical practitioner AND most comply with all
minimum criteria as under:
• has at least 10 inpatient beds, in those towns having a
population of less than 10,00,000 and 15 inpatient beds in
all other places;
• has qualified nursing staff under its employment round the
clock;
• has qualified Medical Practitioner(s) in charge round the clock;
• has a fully equipped operation theatre of its own where
surgical procedures are carried out
• maintains daily records of patients and will make these
accessible to the Insurance company’s authorized personnel.
18. Hospitalisation - means admission in a Hospital for a minimum
of 24 In patient care consecutive hours except for specified
3
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

procedures / treatments, where such admission could be for a

period of less than 24 consecutive hour
19. IRDA Of India - means Insurance Regulatory and Development
Authority of India.
20. Immediate Family Member - means an Insured Person’s legal
spouse; siblings; siblings-in-law; parents; parents-in-law; legal
guardian, ward; step-parents; who reside in India
21. Injury - means accidental physical bodily harm excluding illness or
disease solely and directly caused by external, violent and visible
and evident means which is verified and certified by a Medical
Practitioner / Physician.
22. Inpatient / Inpatient Care - means treatment for which the
insured person has to stay in a hospital for more than 24 hours
for a covered event.
23. Insured Journey/Trip - means any journey undertaken within
Policy period and which commences when the passenger boards
the aircraft for onward overseas journey and terminates when
he disembarks on return to India or the Policy Expiration date
whichever is earlier.
• Single Trip shall mean one Trip to a destination outside of
the Republic of India during the policy period, the details of
which are specified in the Schedule to this Policy.
• Annual Multi Trip shall mean two or more Trips to a destination
outside of the Republic of India during the policy period.
24. Insured Period(s) - means with respect to the Policy, the period
commencing with the Effective Date of the Policy and terminating
with the Expiration Date of the Policy as stated in the Policy
Schedule and any subsequent period for which the Policy may be
renewed.
25. Insured Person - Single Trip - means the Insured Person from 6
months who resides permanently in India, or eligible Spouse and/
or Eligible Children named in the Policy Schedule as being eligible
to become insured under this Policy and for whom an individual
Proposal and Declaration Form for insurance has been received
and approved by Us.
Annual Multi-trip - means the Insured Person from 19 years to Age
70 years who resides permanently in India, or eligible Spouse and/
or Eligible Children named in the Policy Schedule as being eligible
to become insured under this Policy and for whom an individual
Proposal and Declaration Form for insurance has been received
and approved by Us
4
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

26. Land/Sea Arrangements - means pre-paid travel arrangements

for a scheduled tour, trip or cruise included within the description
of covered Trips on the Proposal and Declaration Form and
arranged by a tour operator, travel agent, cruise line or other
organization.
27. Medical Advise - means any consultation or advice from a medical
Practitioner including the issue of any prescription or repeat
prescription.
28. Medical Expenses - means those expenses that an Insured
Person has necessarily and actually incurred for medical treatment
on account of Illness or Accident on the advice of a Medical
Practitioner, as long as these are no more than would have been
payable if the Insured Person had not been insured and no more
than other hospitals or doctors in the same locality would have
charged for the same medical treatment.
29. Medically Necessary - means any treatment, tests, medication,
or stay in hospital or part of a stay in hospital which
• is required for the medical management of the illness or
injury suffered by the insured;
• must not exceed the level of care necessary to provide safe,
adequate and appropriate medical care in scope, duration,
or intensity;
• must have been prescribed by a medical practitioner;
• must conform to the professional standards widely accepted
in international medical practice or by the medical community
in India.
30. Notification of Claim - means the process of notifying a claim
to the insurer or TPA by specifying the timeliness as well as the
address / telephone number to which it should be notified.
31. Physician / Medical Practitioner - means
• a person who holds a valid registration from the Medical
Council of any State or Medical Council of India or Council
for Indian Medicine or for Homeopathy set up by the
Government of India or a State Government and is thereby
entitled to practice medicine within its jurisdiction, and is
acting within the scope and jurisdiction of his license, or
• a licensed medical practitioner acting within the scope of his
license and who holds a degree of a recognized institution
and is registered by the Authorized Medical Council of the
respective country.

5
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

The attending Physician / Medical Practitioner will not be (a) an

Insured Person or (b) Your Immediate Family Member or c) anyone
who is living in the same household as the Insured
32. Policy - means the insurance contract, the Policy Schedule, and
any attached enrollment forms, endorsements, papers or riders.
33. Policy Schedule - means the Policy Schedule attached to and
forming part of the Policy.
34. Pre-existing Condition - means any condition, ailment or injury
or related condition(s) for which You had signs or symptoms, and
/ or were diagnosed, and / or received medical advice/ treatment,
within 48 months prior to commencement of the first Policy issued
by the Insurer
35. Proposal Form - means the basis of this Policy and is deemed to
be attached and which forms a part of this Policy.
36. Professional Sports - means a sport, which remunerates a player
in excess of 50% of his or her income as a means of their livelihood.
37. Renewal - means the terms on which the contract of insurance can
be renewed on mutual consent with a provision of grace period
for treating the renewal continuous for the purpose of all waiting
periods.
This is applicable only in annual multi trip policies.
38. Room Rent - means the amount charged by a hospital for the
occupancy of a bed on per day (24 hrs) basis and shall include
associated medical expenses.
39. Scheduled Airline - means any civilian aircraft operated by a
civilian scheduled air carrier holding a certificate, license or similar
authorization for civilian scheduled air carrier transport issued
by the country of the aircraft’s registry, and which in accordance
therewith flies, maintains and publishes tariffs for regular
passenger service between named cities at regular and specified
times, on regular or chartered flights operated by such carrier.
40. Serious Injury or Sickness - means Injury or Sickness certified as
being dangerous to life by a legally qualified Physician.
41. Sound Natural Teeth - means natural teeth that either are
unaltered or are fully restored to their normal function and are
Disease-free, have no decay and are not more susceptible to Injury
than unaltered natural teeth.
42. Spouse - means Your legal husband or wife.
43. Sum Insured - means the maximum amount of coverage, as
specified in the Schedule to this Policy, that the Insured is entitled
6
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

to in respect of each benefit and is applicable under each section

of this Policy or the Schedule of Benefit per incidence\loss, arising
out of the same illness/injury.
44. Subrogation - means the the right of the insurer to assume the
rights of the insured person to recover expenses paid out under
the policy that may be recovered from any other source.
45. Traveling Companion - means up to two (2) named person(s) who
is/are booked to accompany You on the Trip.
46. Reasonable and Customary charges - means the charges for
services or supplies, which are the standard charges for the
specific provider and consistent with the prevailing charges in
the geographical area for identical or similar services, taking into
account the nature of the illness/injury involved.
47. War - means war, whether declared or not, or any warlike activities,
including use of military force by any sovereign nation to achieve
economic, geographic, nationalistic, political, racial, religious or
other ends.
48. We, Us, Our - means Tata AIG General Insurance Company Limited.
49. You/Your/Yourself - means the Insured Person(s) who is named
in the Policy Schedule.
Part B: General 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:
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 or
nervous disorder
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

7
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

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
potentially dangerous occupation; or
14. congenital anomalies or any complications or conditions arising
therefrom; or
15. osteoporosis (porosity and brittleness of the bones due to loss
of protein from the bones matrix) or pathological fracture (any
fracture in an area where pre-existing Disease has caused the
weakening of the bone)

8
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

16. 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 potentially
dangerous sport for which You are untrained; or
17. 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
18. pregnancy and all related conditions, including services and
supplies related to the diagnosis or treatment of infertility or other
problems related to inability to conceive a child; birth control,
including surgical procedures and devices; This however does
not include ectopic pregnancy proved by diagnostic means and
is certified to be life threatening by the Physician; or
19. 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;
20. 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
21. Any non medical expenses (list enclosed - Annexure I)
Part C: Uniform Provisions
1. Family Plan - For the purpose of the Family plan the following
conditions are applicable:
• the minimum age of the Insured / Insured Person shall be 6
months and maximum age shall be 70 years.
• the maximum persons that may be covered under a Policy
shall be 6 inclusive of the Insured and his/her lawful spouse,
dependent children and his/her dependent parents.
• the sum insured is applicable separately to each and every
Insured Person of the family.
2. Travel Extension - The maximum number of travel days under a
single trip that may be insured, under the Policy, shall be 180 days.
However, the Policy may be extended beyond the initial period of
180 days during the same trip duration by a maximum of up to
9
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

additional <<180>> days by collecting additional premium. Any

extension if accepted by Us is subject to Medical condition, Claim
history and reoccurrence nature of medical condition which could
result in a claim during the extension period
In case of an Insured /Insured Person being more than 70 years of
age, the maximum trip duration (including any extension provided)
shall not exceed 180 days in total.
For extension of the Policy the Insured / Insured Person shall
submit a declaration letter (Format available on the website) clearly
mentioning the claims filed during the original Policy duration and
also that he / she is unaware of any existing health condition which
could result in a claim during the extension period.
If the Insured /Insured Person does not declare the claims filed or
the claims that are to be filed under the original Policy, then any
extension of the Policy if granted shall be deemed to be invalid.
No refund of premium will be given in case of extensions so
invalidated. The Company will also not be liable to pay any claim
filed under the extended Policy.
The premium payable for the extension of the Policy during the
trip will be as per the existing trip band and age band slab.
3. Entire Contract - CHANGES: This Policy, together with the Proposal
Form, as well as any forms, riders and endorsements and papers
hereto, constitutes the entire contract of insurance.
No change in this Policy shall be valid until approved by Our
authorised officer and such approval is endorsed hereon. No
agent has authority to change this Policy or to waive any of the
provisions of this Policy.
4. Effective Date:
(i) Single Trip Insurance: Your Policy will start on the Effective
Date & hour as specified on the Policy Schedule provided it
is countersigned by Us and the total premium has been paid
& realized in advance.
(ii) Annual Multi Trip Insurance: Your Policy will start on the
latest of the Effective Date & hour as specified on the Policy
Schedule, or the commencement of a Trip and the total
premium has been paid & realized in advance.
5. Renewal Conditions: This Policy will terminate at the expiration of
the period for which premium has been paid or on the Expiration
Date shown in the Policy Schedule, whichever is earlier.
(i) Single Trip Insurance: The Single Trip Insurance is non-
renewable, not cancelable and not refundable while effective.
10
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Cancellation of the Policy may be done only prior to the

Effective Date stated in the Policy Schedule and will be subject
to deduction of cancellation charge (Rs 200/ - ) by Us.
(ii) Annual Multi Trip Insurance: The Policy is ordinarily 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 or fraudulent manner or due to
non cooperation by the Insured or any misrepresentation
under or in relation to this policy or the Policy poses a moral
hazard.
Grace period delay in payment up to 30 days from the premium
due date is allowed where you can still pay your premium and
continue your policy. Coverage would not be available for the
period for which no premium has been received. Post 30 days
from premium due date, if the premium is not paid, the policy will
lapse i.e. be terminated.
We, however, are not bound to give notice that it is due for renewal.
Unless renewed before the Policy Expiry, this Policy shall terminate
at the expiration of the period for which premium has been paid.
We will not apply any additional loading on your policy premium
at renewal based on claims experience.
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.
Your renewal premium for this policy will not change unless
we have revised the premium and obtained due approval from
Authority. Your premium will also change if you move into a higher
age group, or change the plan.
You may enhance the sum insured only at the time of renewal of
the policy. However the quantum of increase shall be subject to
underwriting guidelines of the company.
6. EXPIRATION DATE:
(i) Single Trip Insurance:
Your Policy will terminate on the last day for which premium
has been paid or on return to India or 180 days from the
date of commencement of the Insured Journey, whichever
is earlier.
(ii) Annual Multi Trip Insurance:
This Policy will terminate on the Expiration Date shown in
the Policy Schedule for which the premium has been paid.
11
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

However, The Insured Person’s coverage under this Policy

ends on the earliest of :
1) the Policy Expiration date as stated above; or
2) the Policy is terminated; or
3) the date the Insured Person requests, in writing, that his or
her coverage be terminated; or
4) Termination of the Insured Journey.
In case of individual journey during the Insured Period, it shall
expire 30 / 45 days or less, from the commencement of each
Insured Journey.
Further However We may cancel this Policy at any time on grounds
of mis-representation, fraud, non-disclosure of material facts, or
non-cooperation of the insured by giving you a 15 Days notice
delivered to You, or mailed to Your last address as appears in Our
records, stating when such cancellation shall be effective in the
event of your non-cooperation. In the event of cancellation for
mis- representation, fraud, non-disclosure of material facts, the
policy shall stand cancelled ab-initio and there will be no refund of
premium. In the event the Annual Multi Trip policy is cancelled for
non-cooperation of the insured or If you cancel the Annual Multi
Trip 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 has occurred and/or no trip has happened up to the date
of cancellation. In the event a claim has occurred and/or trip has
happened in which case there shall be no return of premium.
Short rate table (in case of Annual Multi Trip Policy as given above) –
Cancellation ANNUALLY
Up to 1 month 25 % OF Annual Premium
Up to 3 months 37.5 % OF Annual Premium
Up to 4 months 50 % OF Annual Premium
Up to 6 months 62.5 % OF Annual Premium
Up to 8 months 87.5 % OF Annual Premium
Above 8 months 100 % OF Annual Premium
These are retention scales.
7. Territory: This Policy applies to incidents anywhere in the world
outside India unless limited by Us through endorsement or
specifically restricted in the Policy, Policy schedule or as given in
the General exclusion to this Policy.
12
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

8. Contribution: If at the time of a claim there is another insurance

Policy or other contract in Your or the Insured Person’s name
which covers the Insured Person for the same expense or loss (in
part or in whole), then the Insured Person shall have the right to
require a settlement of his claim in terms of any of his policies. The
insurer so chosen by the Insured Person shall settle the claim, as
long as the claim is within the limits of and according to terms of
the chosen policy.
Provided further that, If the amount to be claimed under the
Policy chosen by the Policy holder, exceeds the sum insured
under a single Policy after considering the deductibles or co-pay
(if applicable), the Policy holder shall have the right to choose
the insurers by whom claim is to be settled. In such cases, the
respective insurers may then settle the claim by applying the
principle of Contribution defined in Part A - General Definitions.
This clause shall only apply to indemnity sections of the policy and
shall not apply to any benefit offered on fixed benefit basis.
9. Concealment or Fraud: The entire Policy will be void if, whether
before or after a loss, You have, related to this insurance,
(a) intentionally or recklessly or otherwise concealed or
misrepresented or not disclosed, what we consider to be
any material fact or circumstance;
(b) engaged in what we consider to be fraudulent, dishonest or
deceitful conduct; or
(c) made false statements.
10. Claim Procedure :
(a) Notice of Claim/Loss: It is a condition precedent to Our
liability hereunder that written notice of claim must be
given by You to Assistance Company/Us within 7 days after
an actual or potential loss begins or as soon as reasonably
possible and in any event no later than 30 Days after an actual
or potential loss begins. If Your property covered under this
Policy is lost or damaged, You must:
• notify us as soon as possible;
• take immediate steps to protect, save and/or recover
the covered property;
• give immediate notice to the carrier or bailee who is or
may be liable for the loss or damage;
• notify the police or other appropriate authority in the
case of robbery or theft within 24 hours.

13
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

(b) Any medical services or series of services with a cost greater

than $ US 1 shall not be covered by this Policy unless You
consult with the Assistance Company and the cost for
such services are authorized in advance by the Assistance
Company.
(c) Claim Forms: Assistance Company/We, upon receipt of a
notice of claim, will furnish You with such forms as We may
require for filing proofs of loss.
(d) Time for Filing Claim Forms and Evidence: Completed
claim forms and written evidence of loss must be furnished
to Assistance Company/Us within thirty (30) Days after the
date of such loss. Failure to furnish such evidence within
the time required shall not invalidate nor reduce any claim
if You can satisfy us that it was not reasonably possible for
You to give proof within such time. The Company may accept
claims where documents have been provided after a delayed
interval only in special circumstances and for the reasons
beyond the control of the insured.
You shall obtain and furnish to Assistance Company/Us with
all original bills, receipts and any other documentation upon
which a claim is based at your cost and shall also give Us in a
timely fashion such additional documentation, information
and assistance as We may require in dealing with the claim.
(e) Supporting documentation & examination: You or
someone claiming on Your behalf shall provide Us with all
documentation, medical records and information We may
request to establish the circumstances of the claim, its
quantum or Our liability for the claim within 30 days after
the date of such loss. Such documentation will include but
is not limited to the following:
i. Our claim form, duly completed and signed for on behalf
of the Insured Person.
ii. Original Bills & Receipts including but not limited to
pharmacy purchase bill, consultation bill, diagnostic
bill and any attachments thereto like receipts or
prescriptions in support of treatment taken
iii. All reports, including but not limited to all medical
reports, case histories, investigation reports, treatment
papers, discharge summaries.
iv. A precise diagnosis of the treatment for which a claim
is made.

14
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

v. A detailed list of the individual medical services and

treatments provided and a unit price for each.
vi. Prescriptions that name the Insured Person and in the
case of drugs: the drugs prescribed, their price and a
receipt for payment. Prescriptions must be submitted
with the corresponding Doctor’s invoice.
vii. Any other document as requested by Claims Department
which is relevant to the coverage under the policy.
(f) Time of Payment of Claim:
i. The Company shall settle or reject a claim, as the case
may be, within 30 days from the date of receipt of last
necessary document.
ii. ln the case of delay in the payment of a claim,
the Company shall be liable to pay interest to the
policyholder from the date of receipt of last necessary
document to the date of payment of claim at a rate 2%
above the bank rate.
iii. However, where the circumstances of a claim warrant
an investigation in the opinion of the Company, it shall
initiate and complete such investigation at the earliest,
in any case not later than 30 days from the date of
receipt of last necessary document- ln such cases, the
Company shall settle or reject the claim within 45 days
from the date of receipt of last necessary document.
iv. ln case of delay beyond stipulated 45 days, the Company
shall be liable to pay interest to the policyholder at a rate
2% above the bank rate from the date of receipt of last
necessary document to the date of payment of claim.
(“Bank rate” shall mean the rate fixed by the Reserve Bank
of lndia (RBl) at the beginning of the financial year in which
claim has fallen due)
(g) Payment of Claim: All claims under this Policy that are
payable to You shall be paid in Indian currency.
11. Arbitration:
If any dispute or difference shall arise as to the quantum to be
paid under this Policy, (liability being otherwise admitted) such
difference shall independently of all other questions be referred to
the decision of a sole Arbitrator, to be appointed in writing by the
parties to or, if they cannot agree upon a single Arbitrator within 30
Days of any party invoking Arbitration, the same shall be referred
to a panel of three Arbitrators, comprising two Arbitrators - one
15
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

to be appointed by each of the parties to the dispute/ difference,

and the third Arbitrator to be appointed by such two Arbitrators
and arbitration shall be conducted under and in accordance with
the provisions of The Arbitration and Conciliation Act, 1996.
It is clearly agreed and understood that no difference or dispute
shall be referable to arbitration as herein before provided, if the
Company has disputed or not accepted liability under or in respect
of this Policy.
It is hereby expressly stipulated and declared that it shall be a
condition precedent to any right of action or suit upon this Policy
that the award by such Arbitrator/Arbitrators of the amount of the
loss or damage shall be first obtained.
12. Assignment of Indemnities: Indemnity, if any, in case of Your
loss of life is payable to the nominee named in the Proposal Form
provided such nominee survives you ; otherwise, indemnity is
payable to Your estate. All other indemnities of this Policy are
payable to You. Any payment We make in good faith pursuant to
this provision shall fully discharge Us to the extent of the payment.
13. Consent of Nominee: Consent of the nominee, if any, shall not be
a pre-requisite for any change of nominee or to any other changes
in this Policy.
14. Change of Nominee: No change of nominee under this Policy shall
bind Us, unless consent thereto is formally endorsed thereon by
Our authorized officer.
15. Medical Examination: We, at Our own expense, shall have the
right and opportunity to examine You through Our appointed
agents whose details will be notified to You when and as often
as We may reasonably require during the pendency of a claim
hereunder, and also the right and opportunity to obtain a post
mortem examination report of Your body as permitted by law. Your
or Your estate’s compliance with the need for such examination
report is a condition precedent to establishing liability under the
Policy.
16. Legal Actions: Without prejudice to Uniform Provision 11 above,
no action at law or in equity shall be brought to recover on this
Policy prior to the expiration of sixty (60) Days after written
evidence has been furnished in accordance with the requirements
of this Policy.
If We disclaim liability to You or any Insured Person for any claim,
and if You do not notify Us in writing within one (1) year from the
date of receipt of the notice of such disclaimer that You do not

16
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

accept such disclaimer and intend to recover this claim from Us,
then the claim shall for all purposes be deemed to have been
abandoned and shall not thereafter be recoverable under this
Policy.
17. MISSTATEMENT OF AGE: If Your Age has been misstated, all
amounts payable under this Policy shall be adjusted to the
coverage amount that would have been purchased for the
premium paid. In the event Your Age has been misstated, and if
according to Your correct Age, the coverage provided by the Policy
would not have become effective, or would have ceased prior to
the acceptance of such premium or premiums, then Our liability
during the period You are not eligible for coverage, shall be limited
to the refund, upon written request, of all premiums paid for the
period not covered by the Policy.
18. COMPLIANCE WITH POLICY PROVISIONS: Failure to comply with
any of the provisions contained in this Policy shall invalidate all
claims hereunder.
19. OTHER INTEREST: Your personal representatives cannot claim
from or sue Us. If more than one person or Company has an
interest in You, We will pay a benefit only once.
20. REASONABLE CARE AND ASSISTANCE: You and each Insured
Person must take all reasonable steps to avoid or reduce, as far
as possible, any loss or damage. You and they must also make
every effort to get back any property which has been lost.
In addition, You and each Insured Person must assist Us in any
manner We may reasonably require in relation to the investigation
or settlement of a claim or the preservation or enforcement of any
rights of subrogation to which we may be entitled.
21. SETTLEMENT OF LOSS: Claims for lost property will be paid
after the lapse of a reasonable time if the property has not been
recovered. You must present acceptable proof of loss and the
value involved to us.
22. VALUATION: We will not pay more than the actual cash value of the
property at the time of loss. Damage will be estimated according
to actual cash value with proper deduction for depreciation. At no
time will payment exceed what it would cost to repair or replace
the property with material of like kind and quality.
23. SUBROGATION: In the event of any payment under this Policy, We
shall be subrogated to all Your rights of recovery thereof against
any person or organization and You shall execute and deliver
instruments and papers to Us and do whatever else is necessary

17
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

to secure such rights and provide whatever assistance We might

reasonably require of You in the pursuance of Our subrogation
rights. You shall take no action after the loss to prejudice such rights.
24. DISPUTE RESOLUTION CLAUSE AND PROCEDURE: This contract
of insurance includes the following dispute resolution procedure
which is exclusive and a material part of this Policy:
(a) Nature of Coverage: This Policy is not a general health
insurance policy. Coverage for medical expenses in Part D:
Coverage of this Policy is intended for Your use in the event
of a sudden and unexpected Sickness or Accident arising
when You are outside the Republic of India.
(b) Pre-existing Exclusion: This Policy is not designed to provide
an indemnity in respect of medical services, the need for
which arises out of a Pre-existing Condition.
(c) Prior Consultation: Any medical services or series of services
with a cost greater than $ 1, shall not be covered by this
Policy unless You consult with the Assistance Company in
the manner set out in the conditions of this Policy.
(d) Choice of Law: This Policy will be governed by the law of the
Republic of India. Any disputes will be dealt with as provided
for by Uniform Provision 13, above and otherwise by the
Indian courts.
25. CONSIDERATION: This policy is issued in consideration of the
premium being paid and realized by Us. No receipt for premium
shall be valid except on Our official form.
26. COMPLIANCE WITH POLICY PROVISIONS: Failure to comply with
any of the provisions contained in this policy shall invalidate all
claims hereunder.
27. Free Look Period -
(a) Single Trip Insurance - Free look period is not applicable.
(b) Annual Multi Trip Insurance - You have a period of 15 days
from the date of receipt of the Policy document to review
the terms and conditions of this Policy provided no trip has
been commenced. If You have any objections to any of the
terms and conditions, You have the option of cancelling
the Policy stating the reasons for cancellation and You will
be refunded the premium paid by You after adjusting the
amounts spent on stamp duty charges and proportionate
risk premium. You can cancel Your Policy only if You have not
made any claims under the Policy. All Your rights under this
Policy will immediately stand extinguished on the free look
18
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

cancellation of the Policy. Free look provision is not applicable

and available at the time of renewal of the Policy.
28. 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.
You will have the option to migrate to any Travel insurance policy
available with us.
Part D: Coverage
Section 1: ACCIDENTAL DEATH AND DISMEMBERMENT
(Including Loss of Sight or Hearing)
We will pay a percentage of the Principal Sum Insured shown in the
Policy Schedule or the Schedule of Benefit if Injury to You under the
circumstances described in the Hazard (H-3) during an Insured Journey
while this Policy is in effect results in one of the losses shown in the
Table of Losses below. The loss must occur within 365 Days from the
date of the Accident which caused Injury.
If more than one loss results from any one Accident, only one amount,
the largest, will be paid.
Table of Losses
Loss of % of Principal Sum
Life 100%
Both Hands or Both Feet 100%
Sight of Both Eyes 100%
One Hand and One Foot 100%
Either Hand or Foot and Sight of One Eye 100%
Speech and Hearing in Both Ears 100%
Either Hand or Foot 50%
Sight of One Eye 50%
Speech 50%
Hearing in Both Ears 50%
Thumb and Index Finger of Same Hand 25%
Quadriplegia 100%
Paraplegia 50%
Hemiplegia 50%
Uniplegia 25%
“Loss” with regard to:
19
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

(a) hand or foot means actual severance through or above the

wrist or ankle joints respectively;
(b) eye means entire and irrecoverable loss of sight;
(c) thumb and index finger means actual severance through or
above the joint that meets the hand at the palm;
(d) speech or hearing means entire and irrecoverable loss of
speech or hearing of both ears.
Limitation
1. With regard to the Accidental Death of a named Insured
Person Age Seventeen (17) or below, the maximum Principal
Sum payable is 10% of the principal sum insured.
2. If the Insured Person is riding on a motorcycle or any other
two wheeled motorized mode of conveyance as driver or as
passenger the maximum Principal Sum payable is $5000 USD.
3. The deductible in respect of this benefit will be applicable if
any and shall be of an amount as specified in the Schedule
to this Policy.
Exposure
For the purposes of the Accidental Death and Dismemberment
benefits above, a loss resulting from You being unavoidably
exposed to the elements due to an Accident occurring during the
Trip will be payable as if resulting from an Injury. Loss must occur
within 365 Days of the date of the Accident.
Disappearance
We will pay the benefit for Loss of Life if while on a Trip Your body
cannot be located within 365 Days after the forced landing, stranding,
sinking or wrecking of a conveyance in which You were a passenger
or as a result of any Acts of God, in which case it shall be deemed,
subject to all other terms and provisions of the Policy, that You shall
have suffered loss of life within the meaning of the Policy
Exclusions:
In addition to the General Exclusions listed in this Policy this
coverage section shall not cover:
1. loss caused directly or indirectly, wholly or partly by:
a. infections (except pyogenic infections which shall occur through
an Accidental cut or wound) or any other kind of Disease;
b. medical or surgical treatment except as may be necessary
solely as a result of Injury;
2. any Injury which shall result in hernia.
20
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Section 2: ACCIDENTAL DEATH AND DISMEMBERMENT (Common

Carrier)
(Including Loss of Sight or Hearing)
We will pay a percentage of the Principal Sum Insured shown in the
Policy Schedule or the Schedule of Benefits if Injury to You under the
circumstances described in the Hazard (H-6) during an Insured Journey
while this Policy is in effect results in one of the losses shown in the Table
of Losses below. Injury must occur while You are riding as a passenger
in or on, boarding or alighting from, a Common Carrier. The loss must
occur within 365 Days, from the date of the Accident which caused Injury.
If more than one loss results from any one Accident, only one amount,
the largest, will be paid.
Table of Losses
Loss of % of Principal Sum
Life 100%
Both Hands or Both Feet 100%
Sight of Both Eyes 100%
One Hand and One Foot 100%
Either Hand or Foot and Sight of One Eye 100%
Speech and Hearing in Both Ears 100%
Either Hand or Foot 50%
Sight of One Eye 50%
Speech 50%
Hearing in Both Ears 50%
Thumb and Index Finger of Same Hand 25%
Quadriplegia 100%
Paraplegia 50%
Hemiplegia 50%
Uniplegia 25%
“Loss” with regard to:
(a) hand or foot means actual severance through or above the
wrist or ankle joints;
(b) eye means entire and irrecoverable loss of sight;
(c) thumb and index finger means actual severance through or
above the joint that meets the hand at the palm;
21
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

(d) speech or hearing means entire and irrecoverable loss of

speech or hearing of both ears.
Limitation
1. With regard to the Accidental Death of a named Insured
Person Age seventeen (17) or below, the maximum Principal
Sum payable is 10% of the principal sum insured.
2. The deductible in respect of this benefit will be applicable if
any and shall be of an amount as specified in the Schedule
to this Policy.
Exposure
For the purposes of the Accidental Death and Dismemberment
benefits above, a loss resulting from You being unavoidably
exposed to the elements due to an Accident occurring while You
are riding as a passenger in or on, boarding or alighting from, a
Common Carrier during the Trip, will be payable as if resulting
from an Injury. Loss must occur within 365 Days of the date of
the Accident.
Disappearance
We will pay the benefit for Loss of Life while on Trip if Your body
cannot be located within 365 Days after the forced landing, stranding,
sinking or wrecking of a conveyance in which You were a passenger
or as a result of any Acts of God, in which case it shall be deemed,
subject to all other terms and provisions of the Policy, that You shall
have suffered loss of life within the meaning of the Policy
Exclusions:
In addition the General Exclusions listed in this Policy this coverage
section shall not cover:
1. loss caused directly or indirectly, wholly or partly by:
a. infections (except pyogenic infections which shall occur through
an Accidental cut or wound) or any other kind of Disease;
b. medical or surgical treatment except as may be necessary
solely as a result of Injury;
2. any Injury which shall result in hernia.
Section 3: ACCIDENT & SICKNESS MEDICAL EXPENSES
If during an Insured Journey while this Policy is in effect, You sustain an
Injury or Sickness which is not due to Pre-existing Condition and under
the circumstances described in the Hazard (H-3), We will reimburse
the Reasonable and Customary Covered Medical Expenses subject
to Deductible and up to the maximum Per disease/illness/injury Sum
Insured stated in the Policy Schedule or the Schedule of Benefits.
22
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Any medical services or series of services with a cost greater than $ US 1

shall not be covered by this Policy unless You consult with the Assistance
Company and the cost for such services are authorized in advance by
the Assistance Company.
Limitations
1. In no event will benefits continue to be provided by Us for any
Covered Medical Expenses incurred after the Expiration Date of
the Policy or Your return to India whichever is earlier.
However if, You are still confined in a Hospital overseas after the
Expiration Date of the Policy, and Emergency Medical Evacuation
is not appropriate or recommended by the Assistance Company,
and continued treatment overseas as an Inpatient in a Hospital is
Medically Necessary, we will continue to provide the benefits for
Covered Medical Expenses incurred to the earlier of your Hospital
Discharge or 60 Days after the Expiration Date of the Policy.
2. If the Insured Person is riding on a motorcycle or any other two
wheeled motorized mode of conveyance as driver or as passenger
the maximum Principal Sum payable is $10,000 USD.
3. Sum Insured as shown in the Policy schedule or schedule of
benefits under this benefit is limited to per disease/illness/injury
occurred during one trip/Insured trip.
4. The deductible in respect of this benefit will be applicable if any
for Per Disease/Illness/Injury/Loss, and shall be of an amount as
specified in the Schedule to this Policy.
5. Sub limits as shown in the Policy schedule or schedule of benefits
will be applicable for the age group of 56 onwards.
6. Sum Insured Restriction - Under renewals 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 /
condition which had been incurred and paid in any of the prior
policies issued by Us to the same insured.
Definition:
Per Disease/Illness/Sickness/Injury - means a disease/illness/
Sickness/injury with its subsequent complications/hospitalizations will
be considered as one episode/loss for the purpose of this policy.
Hospital Confined/Hospital Confinement - means confined in a
Hospital for at least 24 hours by reason of an Injury or Sickness for
which benefits are payable.

23
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Intensive Care Unit - Intensive care unit means an identified section,

ward or wing of a hospital which is under the constant supervision of a
dedicated medical practitioner(s), and which is specially equipped for the
continuous monitoring and treatment of patients who are in a critical
condition, or require life support facilities and where the level of care
and supervision is considerably more sophisticated and intensive than
in the ordinary and other wards.
Medical Emergency - means the occurrence of a sudden, serious and
unexpected Sickness or Injury. In the absence of immediate medical
attention, a reasonable person could believe this condition would result in:
1) Death;
2) Permanent placement of the Insured’s health in jeopardy;
3) Serious impairment of bodily functions; or
4) Serious and permanent dysfunction of any body organ or part.
Expenses incurred for “Medical Emergency” will be paid only for Sickness
or Injury which fulfills the above conditions. These expenses will not be
paid for minor injuries or minor sicknesses.
Physiotherapy - means any form of the following: physical or
mechanical therapy; diathermy; ultra-sonic therapy; heat treatment in
any form; manipulation or massage administered by a physician
Surgery - means manual and / or operative procedure (s) required for
treatment of an illness or injury, correction of deformities and defects,
diagnosis and cure of diseases, relief of suffering or prolongation of life,
performed in a hospital or day care centre by a medical practitioner
Hospital Room and Board Expenses - 1) daily semi-private room rate
when Hospital confined; and 2) general nursing care provided and
charged for by the Hospital.
Hospital Miscellaneous Expenses - While hospital confined; benefits
will be paid for services and supplies such as: the cost of the operating
room; laboratory tests; x-ray examination; anesthesia; drugs (excluding
take home drugs) or medicines; therapeutic services; and supplies.
Surgeon’s fees - Physician’s fees for Inpatient surgery.
Anesthetist Services - in connection with inpatient surgery.
Physician’s Visits - when Hospital Confined. Benefits are limited to one
physician’s visit per day. Benefits do not apply when related to surgery.
Diagnostic - limited to routine tests such as: complete blood count;
urinalysis; and chest x-ray. If otherwise payable under this policy, major
diagnostic procedures such as: cat-scans; NMR’s; and blood chemistries
Ambulance Service - medical transportation fees and services.

24
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Exclusions:
In addition to the General Exclusions listed in this Policy this coverage
section shall not cover:
1. any Pre-existing Condition or any complication arising from it;
except incase of Life saving unforeseen emergency. In such event,
measures solely designed to relieve acute pain, provided to the
Insured by the Physician for Disease/accident arising out of a pre-
existing condition would be reimbursed up to $1500 per policy. The
treatment for these emergency measures would be paid till the
insured becomes medically stable or is relieved from acute pain.
All further medical cost to improve or maintain medically stable
state or to prevent the onset of acute pain would have borne by
the Insured; or
2. services, supplies, or treatment, including any period of Hospital
confinement, which were not recommended, approved, and
certified as Medically Necessary by a Physician; or
3. routine physicals or other examinations where there are no
objective indications or impairment in normal health, and
laboratory diagnostic or X-ray examinations except in the course
of a disability established by the prior call or attendance of a
Physician; or
4. elective, cosmetic, or plastic surgery, except as a result of an Injury
caused by a covered Accident while Our Policy is in force; or
5. dental care, except as a result of Injury caused by Accident to
Sound Natural Teeth while this Policy is in effect; or
6. expenses incurred in connection with weak, strained, or flat feet,
corns, calluses, or toenails; or
7. the diagnosis and treatment of acne; or
8. deviated septum, including sub mucous resection and/or other
surgical correction thereof; or
9. organ transplants that are considered experimental in nature; or
10. well child care including exams and immunizations; or
11. expenses which are not exclusively medical in nature; or
12. any expenses incurred in India unless authorized and approved
by Us in advance; or
13. eyeglasses, contact lenses, hearing aids, and examination for the
prescription or fitting thereof, unless Injury or Sickness has caused
impairment of vision or hearing; or
14. treatment provided in a government Hospital or services for which
no charge is normally made; or
15. nervous, or emotional disorders or rest cures; or
25
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

16. pregnancy and all related conditions, including services and

supplies related to the diagnosis or treatment of infertility or other
problems related to inability to conceive a child; birth control,
including surgical procedures and devices; or
17. medical expenses covered under any workers’ compensation or
similar policy; or
18. medical expenses incurred as the result of alcohol and/or drug
abuse, addiction or overdose.
19. Any Medical Expenses incurred when the specific purpose of a
journey is to receive medical treatment or advice.
20. Any Medical Expenses arising out of any medical condition incurred
within excluded territorial limits or excluded insured journey that are
stated in the Policy Schedule and/or General exclusion to this Policy.
21. Any non medical expenses (list enclosed - Annexure I)
Section 4: SICKNESS DENTAL EXPENSE
We will pay benefits for the Reasonable and Customary Charges, subject
to the Deductible, shown in the Policy Schedule, actually incurred if as a
result of sudden acute pain, which occurs without warning to one or more
of Your Sound Natural Teeth requiring Immediate Dental Treatment under
circumstances described in a Hazard during the course of an overseas
Insured Journey. Dental benefits will be provided for Medically Necessary
filling of the tooth or surgical treatment, services, or supplies, subject
to the per tooth and per occurrence maximum amounts shown in the
Policy Schedule. Dental benefits shall be limited to treatment sustained
to Sound Natural Teeth. Covered emergency dental expenses are those
incurred overseas, under the circumstances described in a Hazard during
the Insured Journey within 30 Days of date of the first treatment.
The deductible in respect of this benefit will be applicable if any and shall
be of an amount as specified in the Schedule to this Policy.
Definition:
Immediate Dental Treatment - means treatment commencing within 24
hours of the time and date the sudden acute pain first occurs.
Exclusion:
In addition to the General Exclusions listed in this Policy, this coverage
section shall not cover Immediate Dental Treatment in the Republic
of India.
Section 5: ASSISTANCE
Assistance Company will provide the following services as described
below.
26
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Medical Assistance - As soon as the Assistance Company is notified

of a medical emergency resulting from Your Accident or Sickness,
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 better treatment or return You to India, 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.
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 India 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 of an attorney who can represent You in any necessary
legal matters.
Lost Luggage or Lost Passport - If You, outside India, notify the
Assistance Company that Your luggage or passport has been lost,
the Assistance Company will endeavor to assist You by contacting
the appropriate authorities involved and providing direction for
replacement.
General Assistance - the Assistance Company will serve as a central
point for translation and communication for You during emergencies.
The Assistance Company agrees to provide to You advice on contacting
and using services available from consulates, government agencies,
translators and other service providers that can help with travel
problems. In addition, the Assistance Company will provide insurance
27
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

coordination, verifying coverage of You, guaranteeing payment to the

medical provider, based on confirmation of benefits, a charge to credit
card(s) and coordinating the payments, documentation and translation
to ease claim filing when You return to India.
Pre-Departure Services - prior to Your departure, upon request the
Assistance Company will provide hazard information about foreign
locations, information about immunization requirements and passport
or visa requirements, general information about weather and State
Department and private service warnings about travel to certain
locations. The Assistance Company will also arrange for special medical
care en-route (i.e. dialysis, wheelchairs, etc.), subject to receiving
reasonable notice of this request.
Emergency Travel Agency - the Assistance Company agrees to provide
You with 24 hour travel agency service for airline and hotel reservations.
The Assistance Company will also arrange payment for Your airline
tickets and other travel services, using Your credit cards. Prepaid ticket
pickup at airline counters or ticket delivery by mail or courier will also
be arranged by the Assistance Company for You.
Emergency Cash Transfers and Advances - the Assistance Company
will arrange for cash payments to You through a variety of sources,
including credit cards, hotels, banks, consulates and Western Union. The
Assistance Company provides this service to supplement the facilities of
Your credit cards. Credit card transactions performed by the Assistance
Company are subject to confirmed credit.
Disclaimer of Liability
In all cases the medical professional or any attorney suggested by the
Assistance Company shall act in a medical or legal capacity on behalf
of You only. The Assistance Company assumes no responsibility for any
medical advice or legal counsel given by the medical professional or
attorney. You shall not have any recourse to the Assistance Company
by reason of its suggestion of a medical professional or attorney or due
to any legal or other determination resulting therefrom.
You are responsible for the cost of services arranged by the Assistance
Company on behalf of You or a covered Immediate Family Member.
The Assistance Company will access this Policy and/or other insurance
Policy benefits to which You may be entitled, and/or Your credit cards
or other forms of financial guarantees provided by you, in order to
facilitate payment for such services.
Section 6: BAGGAGE DELAY
We will reimburse You for the expense of necessary personal effects,
up to the maximum stated in the Policy Schedule or the Schedule
28
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

of Benefits, if Your Checked Baggage is delayed or misdirected by a

Common Carrier for more than the Deductible shown on the Policy
Schedule or the Schedule of Benefits from the time You arrive at the
destination stated on Your ticket.
You must be a ticketed passenger on a Common Carrier. Additionally,
all claims must be verified by the Common Carrier who must certify the
delay or misdirection.
Definition:
Checked Baggage - means a piece of baggage which was checked in
and in the custody of a Common Carrier and for which a claim check
has been issued to You by a Common Carrier.
Personal effects means clothes and other articles of personal nature likely
to be worn, used or carried but excluding money, jewellery and valuables.
Limitation:
If upon further investigation it is later determined that Your baggage
checked with the Common Carrier has been lost, any amount claimed
and paid to You under the Baggage Delay Policy Section will be deducted
from any payment due to You under the Common Carrier Baggage Loss
or Baggage/Personal Effects Policy Sections as applicable.
The deductible in respect of this benefit will be applicable if any and shall
be of an amount as specified in the Schedule to this Policy.
Exclusion:
In addition to the General Exclusions listed in this Policy this coverage
section shall not cover any Baggage Delay incurred in the Republic of India.
Section 7: BAGGAGE LOSS (Common Carrier)
We will pay benefits, in the case of permanent loss of an entire piece of
Checked Baggage, held in the care, custody and control of a Common
Carrier, due to theft or due to misdirection by a Common Carrier or due
to non- delivery at its destination while You are a ticketed passenger on
the Common Carrier under the circumstances described in a Hazard
during the course of an Insured Journey. Benefits will only be payable
in case of the loss of an entire piece of checked baggage, and not for
damage to the luggage or partial loss of its contents.
We will reimburse You, subject to the Deductible and up to the maximum
shown in the Policy Schedule or the Schedule of Benefits, for the cost
of replacement of the entire baggage and its contents. All claims must
be verified by the Common Carrier.
The maximum amount to be reimbursed per bag is 50%, and the
maximum value per article contained in any bag is 10%, of the amount
stated in the Policy Schedule or the Schedule of Benefits. There is also
29
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

a combined maximum limit of 10% of the amount stated in the Policy

Schedule or the Schedule of Benefits for the following: jewelry, watches,
articles consisting in whole or in part of silver, gold or platinum, furs,
articles trimmed with or made mostly of fur.
Loss of a Pair/Set: (pair or set of articles is treated as one article e.g. a
pair of earrings) In case of loss to a pair or set, We may elect to:
(a) repair or replace any part, to restore the pair or set to its value
before the loss; or
(b) pay the difference between the cash value of the property before
and after the loss.
Definition:
Checked Baggage - means a piece of baggage which was checked in
and in the custody of a Common Carrier and for which a claim check
has been issued to You by a Common Carrier.
Documented Loss - means police or other local authority reports or
documentation from the appropriate party responsible for the loss.
Limitations:
Benefits for Baggage Loss will be in excess of any amount paid or payable
by the Common Carrier responsible for the loss.
Benefits for Baggage Loss will be in excess of all other valid and
collectible insurance. If at the time of the occurrence of any loss there
is other valid and collectible insurance in place, We will be liable only
for the excess of the amount of loss, over the amount of such other
insurance, and any applicable Deductible.
Exclusions:
In addition to the General Exclusions listed in this Policy this coverage
section shall not cover any Documented Loss and We will not be liable
under this section for any:
1. excluded classes of property: animals, motor vehicles (including
accessories), motorcycles, boats, motors, any conveyance, (except
bicycles while checked as baggage with a Common Carrier), snow
skis, household effects, antiques, electronic equipment such as
computers (including software and accessories), personal data
assistants or handheld computers, cellular phones, digital video
disc player, compact disc player, video camcorder, eyeglasses or
sunglasses, contact or corneal lenses, artificial teeth, bridges or
prosthetic limbs, hearing aids, money, securities such as credit
cards, debit cards, cheques, traveler cheques, membership cards,
tickets or documents, business good or samples, data recorded on
tapes, cards, discs or otherwise, musical instruments, perishables
and consumables;
30
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

2. loss to property insured under any other insurance Policy, or

otherwise reimbursed by a Common Carrier;
3. loss of Your baggage sent in advance or souvenirs and articles
mailed or shipped separately.
Section 8: EMERGENCY MEDICAL EVACUATION
We will pay the Reasonable and Customary Charges up to the maximum
shown in the Policy Schedule or the Schedule of Benefits for covered
expenses incurred if Injury or Sickness results in Your necessary
Emergency Evacuation. An Emergency Evacuation must be ordered by
the Assistance Company and Physician who certifies that the severity
or the nature of Your Injury or Sickness warrants Your Emergency
Evacuation.
Covered expenses are those for Transportation and medical treatment,
including medical services and medical supplies necessarily incurred
in connection with Your Emergency Evacuation. All Transportation
arrangements made for evacuating You must be by the most direct
and economical route possible. Expenses for Transportation must be:
(a) recommended by the attending Physician; (b) required by the
standard regulations of the conveyance transporting You; and
(c) arranged and authorized in advance by the Assistance Company.
Definitions:
Emergency Evacuation means:
(a) Your medical condition warrants immediate Transportation from
the place where You are injured or sick to the nearest Hospital
where appropriate medical treatment can be obtained; or
(b) after being treated at a local Hospital, Your medical condition
warrants Transportation to the country where the Trip commenced
to obtain further medical treatment or to recover; or
(c) both (a) and (b) above.
Transportation - means any land, water or air conveyance required
to transport You during an Emergency Evacuation. Transportation
includes, but is not limited to, air ambulances, land ambulances and
private motor vehicles.
Limitation
If the Insured Person is riding on a motorcycle or any other two wheeled
motorized mode of conveyance as driver or as passenger the maximum
Principal Sum payable is $10,000 The deductible in respect of this benefit
will be applicable if any and shall be of an amount as specified in the
Schedule to this Policy.

31
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Section 9: REPATRIATION OF REMAINS

We will pay benefi ts up to the amount stated in the Policy Schedule or
Schedule of Benefits or the actual costs incurred, whichever is the lower,
for covered expenses reasonably incurred to repatriate Your body from
the place of death to India, in case of Your death as the result of the
Bodily Injury or Sickness during the Period of Insurance.
All Repatriation of Remains arrangements must be approved in advance
by Assistance Company.
Covered expenses include, but are not limited to, expenses for:
(a) embalming; (b) cremation; (c) coffins; and (d) transportation. The
deductible in respect of this benefit will be applicable if any and shall
be of an amount as specified in the Schedule to this Policy.
Section 10: HIJACKING
We will pay You a distress allowance as shown in the Policy Schedule
or the Schedule of Benefits for every 24 hour period during which any
Common Carrier in which You are traveling has been Hijacked, where as
a direct consequence, Your Trip has been disrupted up to a maximum
amount stated in the Policy Schedule or the Schedule of Benefits subject
to any applicable Deductible.
Definition:
Hijacked - means the unlawful seizure or wrongful exercise of control
of an aircraft or other Common Carrier, or the crew thereof, in which
You are traveling as a passenger.
Section 11: LOSS OF PASSPORT
We will reimburse You, subject to Deductible, if You lose Your passport
and incur necessary and reasonable expenses in connection with
obtaining a duplicate or new passport up to the maximum stated in the
Policy Schedule or the Schedule of Benefits. The Deductible if any, shall
apply to each insured event and shall be borne by You.
The deductible in respect of this benefit will be applicable if any and shall
be of an amount as specified in the Schedule to this Policy.
Exclusions:
In addition to the General Exclusions listed in this Policy this coverage
section shall not cover and We will not be liable under this section for
any:
1. loss of passport due to delay or from confiscation or detention by
customs, police or other authority;
2. theft which is not reported to any appropriate police authority
within 24 hours of discovery and an official report obtained;

32
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

3. loss or theft of passport left unattended by You unless located in

a locked hotel room or apartment and an appropriate sized safety
deposit box was not available.
Section 12: PERSONAL LIABILITY
Property Damage:
If a claim is made or a suit is brought against You for Property Damage
that occurred during the Period of Insurance and caused by an
Occurrence to which this coverage applies, We will pay up to the amount
stated in the Policy Schedule or the Schedule of Benefits, subject to any
applicable Deductible, for Our limit of liability for the damages for which
You are legally liable.
Medical Payments to Others:
If a claim is made or a suit is brought against You for Medical expenses
as the result of an Accident that occurred during the Period of Insurance
caused by You and resulting in Bodily Injury to another person, while
this Policy is in force, then We will pay the necessary medical expenses
up to the amount stated in the Policy Schedule or the Schedule of
Benefits, that are incurred or medically ascertained within one year from
the date of an Accident causing Bodily Injury subject to any applicable
Deductible for this section.
Medical expenses means reasonable charges for medical, surgical, X-ray,
dental, ambulance, Hospital, professional nursing, prosthetic devices
and funeral services. This coverage does not apply to You or regular
residents Premises of Your household. As to others, this coverage applies
only if the Bodily Injury is caused by Your activities.
In no case, We will pay more than maximum stated in the Policy schedule
or the Schedule of Benefits for all Property Damage and Medical
expenses combined, not for each one.
The deductible in respect of this benefit will be applicable if any and shall
be of an amount as specified in the Schedule to this Policy.
Definitions:
Business - means trade, profession or occupation.
Occurrence - means an Accident, including continuous or repeated
exposure to substantially the same general harmful conditions, which
results, during the Trip, in Bodily Injury or Property Damage.
Property Damage - means physical injury to, destruction of or loss of
use of tangible property.
Residence Premises - means the dwelling where You reside.
Bodily Injury - means bodily harm, Sickness or Disease, including
required care, loss of services and death that results from an Accident.
33
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Exclusions:
In addition to the General Exclusions listed in this Policy this coverage
section shall not cover and We will not be liable under this section for any:
1. liability which is expected by or intended for You; or
2. liability arising out of or in connection with a Business engaged in by
You. This exclusion applies but is not limited to an act or omission,
regardless of its nature or circumstance, involving a service or duty
rendered, promised, owed, or implied to be provided because of
the nature of the Business; or
3. liability arising out of the rental or holding for rental of any part
of any premises by You; or
4. liability arising out of the rendering of or failure to render
professional services; or
5. liability arising out of a premises, water craft or aircraft that is
owned by, rented to or rented by You; or
6. liability arising out of the ownership, maintenance, use, loading or
unloading of motor vehicles, all other motorized land conveyances,
water craft or aircraft; or
7. liability arising out of the transmission of a communicable Disease
by You; or
8. liability arising out of sexual molestation, corporal punishment, or
physical or mental abuse; or
9. liability arising out of the use, sale, manufacture, delivery,
transfer or possession by any person of a controlled substance or
contraband as defined by the appropriate authority or the Federal
Food and Drug Agency or equivalent or similar organization; or
10. liability under any contract or agreement; or
11. Property Damage to property owned by You; or
12. Property Damage to property rented to, occupied, or used by or
in the care of You; or
13. Bodily Injury to any person eligible to receive any benefits
voluntarily provided or required to be provided by You under
any worker’s compensation law, non-occupational disability law
or occupational Diseases law, or similar law; or
14. Suits or legal actions arising from Your Immediate Family Member,
Traveling Companion or Immediate Family Member of a Traveling
Companion against You.
Section 13: FLIGHT DELAY
We will reimburse Reasonable Additional Expenses for Trip Delay,
subject to the maximum shown in the Policy Schedule or the Schedule
34
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

of Benefits, if Your Trip is delayed for more than 12 hours due to a

Covered Hazard.
The deductible in respect of this benefit will be applicable if any and shall
be of an amount as specified in the Schedule to this Policy.
Covered Hazards:
1. delay of a Common Carrier caused by Inclement Weather; or
2. delay due to a Strike or other job action by employees of a Common
Carrier scheduled to be used by You during Your Trip; or
3. delay caused by Equipment Failure of a Common Carrier.
Definitions:
Equipment Failure - means any sudden, unforeseen breakdown in
the Common Carrier’s equipment that caused a delay or interruption
of normal trips.
Inclement Weather - means any severe weather condition which delays
the scheduled arrival or departure of a Common Carrier.
Strike - means any labor disagreement which interferes with the normal
departure and arrival of a Common Carrier, and is defined as legal by
the relevant authorities in the respective countries.
Reasonable Additional Expense - means any expenses for meals
and lodging which were necessarily incurred as the result of a covered
hazard and which were not provided by the Common Carrier or any
other party free of charge.
Exclusion:
In addition to the General Exclusions listed in this Policy this coverage
section shall not cover any delay due to an insured Covered Hazard
which was made public or known to You prior to the purchase of this
Policy.
Section 14: AUTOMATIC EXTENSION OF THE POLICY
Automatic extension of the period of insurance is granted upto a period
of 7 days, from the policy expiry date, if the extension is necessary, due
to delay by the Scheduled Airlines, which is beyond the control of the
Insured, and no alternative air transportation is made available to the
Insured.
Section 15: TRIP CURTAILMENT
We will reimburse You the Covered Expenses paid by You following
necessary curtailment (Shortening and / or alteration) of the insured
journey and You have to directly return to the country of usual residence,
where You started Your Insured Journey, subject to the maximum shown
in the Policy Schedule or the Schedule of Benefits, due to:
35
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

1. the aircraft which You boarded as a passenger is hijacked.

2. Due to unexpected death of Your immediate family member.
3. Due to natural disaster which has prevented You from continuing
with the scheduled trip
4. Due to unexpected strike, riot or Civil commotion which are beyond
Your control
5. You are Unable to Continue the Trip due to a serious Sickness,
serious Injury or death to: You; Your Traveling Companion; Your
Immediate Family Member; or Your Traveling Companion’s
Immediate Family Member
This coverage is effective if the incident occurs within the Operative
Time mentioned in the Policy Schedule and only if You were
unaware of any circumstances that could lead to disruption of
Your trip at the time of purchasing this policy.
Covered Expenses:
1. Any loss of travel and or accommodation expenses paid in advance
by or forfeited by You after the commencement of the trip
2. Non-refundable unused portion of travel or accommodation costs
or additional accommodation and / or travel expenses (excluding
telephone costs, meals and beverages)
3. Any additional Land or sea or air travel (Economy class wherever
possible) or accommodation expenses incurred as a result thereof.
The deductible in respect of this benefit will be applicable if any and
shall be of an amount as specified in the Schedule to this Policy.
Section 16: TRIP CANCELLATION
We will pay loss of deposits up to the maximum amount stated in the
Policy Schedule or the Schedule of Benefits, if prior to the Contracted
Departure Date Your Trip is canceled and You are Prevented From
Taking the Trip due to a Sickness, Injury or death to: You; Your Traveling
Companion; Your Immediate Family Member; or Your Traveling
Companion’s Immediate Family Member under the circumstances
described in a Hazard during the course of an Insured Journey.
The deductible in respect of this benefit will be applicable if any and shall
be of an amount as specified in the Schedule to this Policy.
Cancellation:
We will reimburse You for the unused, non-refundable cancellation
portion of the hotel cost and/or the Common Carrier ticket cancellation
charges provided that You booked and paid for these costs before such
Sickness, Injury or death occurred. Benefits are subject to the maximum
shown in the Policy Schedule.
36
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Definitions:
Land/Sea Arrangements - means pre-paid travel arrangements for a
scheduled tour, Trip or cruise and arranged by a tour operator, travel
agent, cruise line or other organization.
Prevented From Taking the Trip - means:
(i) with regard to Sickness, Injury or death of You or Your Traveling
Companion, a Physician has recommended that due to the severity
of Your for Your Traveling Companion’s condition it is Medically
Necessary that You or Your Traveling Companion cancel the Trip.
You or Your Traveling Companion must be under the direct care
and attendance of a Physician.
(ii) with regard to Sickness, Injury or death of Your Immediate Family
Member or Your Traveling Companion, the severity or acuteness
of their condition or the circumstances surrounding that condition
is/are such that an ordinarily prudent person must cancel the Trip.
Strike - means any labor disagreement which interferes with the normal
departure and arrival of a Common Carrier, and is defined as legal by
the relevant authorities.
Traveling Companion - means up to two (2) named person(s) who is/
are booked to accompany You on the Trip.
Exclusions:
In addition to the General Exclusions listed in this Policy this coverage
section shall not cover any claim if the Trip is cancelled, delayed or
altered as a result of:
1. depression or anxiety, mental, nervous or emotional disorders,
alcohol or drug abuse addiction or overdose; or
2. elective, cosmetic, or plastic surgery, except as a result of an Injury
caused by a covered Accident while Our Policy is in force; or
3. pregnancy and all related conditions; or
4. laws, regulations or orders, issued or made by any Government
or Public Authority; or
5. any Pre-existing Condition; or
6. an Insured Person traveling against the advice of a Physician; or
7. the default of any a) provider of transport; b) agent of such
provider; or
8. Strikes or labor disputes which existed or of which advance warning
had been given prior to the date on which a Trip was booked; or
9. delay due to withdrawal from service temporarily or permanently of
any Common Carrier on the orders or recommendations of any Port
Authority or the Aviation Agency or any similar body in any country.
37
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Section 17: MISSED CONNECTIONS/MISSED DEPARTURE

We will reimburse Reasonable Additional Expenses due to Missed
Connections, or missed departure by Your scheduled airline, on your
return journey, subject to the maximum shown in the Policy Schedule
or the Schedule of Benefits, if the missed connection / departure is due
to a Covered Hazard during the course of an Insured Journey.
The deductible excess in respect of this benefit will be applicable if any,
and shall be of an amount as specified in the Schedule to this Policy.
Covered Hazards: Delay in Scheduled Common Carrier failing to get You
to Your destination in time due to
1. Inclement Weather; or
2. Strike or other job action by employees of a Common Carrier
scheduled to be used by You during Your return journey; or
3. Equipment Failure of a Common Carrier.
You may claim only Delayed departure or Missed departure /
missed connection, not both
Definitions:
Equipment Failure - means any sudden, unforeseen breakdown in
the Common Carrier’s equipment that caused a delay or interruption
of normal trips.
Inclement Weather - means any severe weather condition which delays
the scheduled arrival or departure of a Common Carrier.
Strike - means any labor disagreement which interferes with the normal
departure and arrival of a Common Carrier, and is defined as legal by
the relevant authorities in the respective countries.
Reasonable Additional Expense - means any expenses for meals
and lodging which were necessarily incurred as the result of a covered
hazard and which were not provided by the Common Carrier or any
other party free of charge.
Specific Exclusions:
In addition to the General Exclusions listed in this Policy this coverage
section shall not cover
1. Expenses that you would have incurred during the normal course
of your trip.
2. Missed connections due to an Covered Hazard which was made
public or known to You prior to the purchase of this Policy.
3. Your failure to allow sufficient time to get to the departure point.
4. Claims not supported by a written report from the appropriate
authorities.
38
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Claims that are not justifiable given the circumstances, for example;
the fear of an event happening or not taking place.
Section 18: BOUNCED BOOKINGS OF HOTEL AND AIRLINE
The Company hereby agrees, subject to the terms, conditions and
exclusions herein contained or otherwise expressed herein, to
reimburse the Insured the hotel booking / airline ticket is bounced due
to over booking.
To claim this benefit under non-availability of accommodation on
account of over booking by the hotels or airlines, the insured should
have reconfirmed the booking in advance and should have written proof
of the same. Wait listed booking will not be compensated for. For hotel
overbooking, the overbooked portion of the hotel stay must include
the first night stay; the overbooking must happen at check-in. We will
reimburse the difference between the original booking amount and
the reasonable new booking amount, less any refund/compensation
given by the hotel, for the number of nights that are overbooked. The
new booking must be for up to the number of nights overbooked at a
similar hotel where the cost of stay is no more than 10% greater per
night than the initial booking. We will not reimburse for nights on the
original booking that were not overbooked.
For airline overbooking, an option of a free replacement flight within 6
hours from the departure of the original overbooked original flight must
not be available to you and you must cancel your originally booked flight
and purchase a new flight at the same class of service of no more than
10% greater fare than your original overbooked flight. We will reimburse
the difference between the original airfare amount and the reasonable
new airfare amount, less any refund/compensation given by the airline.
The compensation under this cover will not exceed the Sum Insured for the
coverage, less the 10% deductible, as mentioned in the Schedule hereto.
The deductible excess in respect of this benefit will be applicable if any
for each separate claim, and shall be of an amount as specified in the
Schedule to this Policy.
Exclusions -
• Any air tickets / hotel bookings which are allotted to airline staff /
hotel staff or under any special travel industry employee scheme
• Any air tickets / hotel bookings made within 7 days of departure/
hotel arrival.
Section 19: FRAUDULENT CHARGES
I. What We Cover
During the trip, if your payment card as specified in the schedule
is lost or stolen, we will reimburse the unauthorized charges that
39
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

you are responsible for on your lost or stolen payment card, up to

12 / hours prior to your first reporting the event to your payment
card issuer(s).
II. Coverage Exclusions
We will not pay for any expenses or loss for:
1. Charges made on your lost or stolen payment card more
than 12 hours prior to your first reporting the event to your
payment card issuer(s)
2. Charges made on your payment card if your payment card
has not been lost or stolen;
3. Cash advances made with your lost or stolen payment card;
4. Charges incurred by a resident of your household, or by a
person entrusted with your payment card.
5. Any liability arising out of lost or stolen payment card except
as provided under “What We Cover”
III. Coverage Conditions
1. We will only pay for unauthorized charges for which you are
responsible under the terms and conditions of your payment card.
2. You must report the loss or theft of your payment card to the
issuer(s) within 3 hours after discovering your lost or stolen
payment card event.
3. You must comply with all terms and conditions by which your
payment card is issued.
IV. Duties After An Accident or Loss
In the event of a covered loss:
1. You shall call us at 1800119966 or provide written intimation
to make a claim and obtain the proper forms and instructions
within 24 hours from discovering an unauthorized charge
was made on your lost or stolen payment card;
2. You shall complete and return any documents including but
not limited to claim forms, police reports, demands, notices,
and any other documents we may ask you to provide;
3. The claims form and accompanying documents must be
returned to us within 3 days of making the original claim.
Definitions:
These are applicable only to this coverage section of the policy.
A. Payment card means an ATM card, credit card, charge card, prepaid
card or debit card issued by a qualified financial institution for
personal use only.
40
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

B. Lost or Stolen means having been inadvertently lost or having

been stolen by a third party without your assistance, consent or
co-operation.
C. Unauthorized charges means those charges which are incurred
on the payment card / sim card after the physical loss of the
payment card / sim card and without the knowledge or consent
of the payment card / sim card holder as per provisions, terms
and conditions of payment card issuer / mobile service provider.”
D. Business means:
1. A trade, profession or occupation engaged in on a full-time, part-
time or occasional basis; or
2. Any other activity engaged in for money or other compensation.
E. Relative means your legally married spouse, parent, step-parent,
parent in-law, grandparent, child, stepchild, legally adopted child,
grandchild, brother, brother in-law, sister, sister in-law, son in-law,
daughter in-law, uncle, aunt, niece, nephew, and first cousin.
EXCLUSIONS:
We will not cover the following:
A. Losses that do not occur within the policy period;
B. Losses that result from or related to business pursuits including
your work or profession;
C. Losses caused by illegal acts;
D. Losses that you have intentionally caused;
E. Losses that result from the direct actions of a relative, or actions
that a relative knew of or planned.
F. Losses due to war, invasion, act of foreign enemy, hostilities or
warlike operations (whether war has been declared or not), civil
war, rebellion, revolution, insurrection, civil commotion, uprising,
military or usurped power, martial law, riot or the act of any lawfully
constituted authority.
G. Losses due to the order of any government, public authority, or
customers’ officials.
H. Losses due to ionising radiations contamination by radio activity
from any nuclear fuel or from any nuclear waste from the
combustion (including any self sustaining process of nuclear
fission) of nuclear fuel.
I. Losses due to the radioactive toxic, explosives or any other
potentially dangerous properties of any explosive nuclear
assembly or nuclear component thereof.
J. Losses due to nuclear weapons material.

41
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

CONDITIONS
A. Valid Account
Wherever payment is made by payment card, Your payment card
account must be valid and in good standing for coverage to apply.
Benefits will not be paid if, on the date of occurrence your payment
card account is in delinquency, collection, or cancellation status.
B. Excess of Other Insurance Coverage
Coverages provided by this policy are EXCESS; this means that
if, at the time of occurrence, you have other valid and collectible
insurance - such as but not limited to homeowner’s or renter’s
insurance - this policy will only cover that amount not covered by
such other insurance, up to the limits of the specific coverage. If
the event is covered by more than one of the policy coverages,
we will only pay the amount from the coverage under which you
first filed the claim.
C. Governing Law This Policy shall be governed by the law of India.
D. Concealment or Fraud
If You or anyone acting on Your behalf put forward any claim under
this Policy knowing the same to be false or fraudulent, as regards
amount or otherwise, this Policy shall be void in its entirety and
be of no effect whatsoever and all claims that You may have made
for an indemnity under it shall be forfeited.
E. You must use all reasonable means to avoid future loss at and
after the time of loss.
F. Duties After an Accident or Loss
We have no duty to provide coverage under this policy unless
there has been full compliance with the duties that are detailed
in each coverages section. You are required to cooperate with us
in investigating, evaluating and settling a claim.
Section 20: BURGLARY
1) What We Will Cover
We will pay You for the loss and damage caused by Burglary and/
or attempted Burglary, during your trip to:
a) the Contents of Your Home up to the Benefit Sum Insured,
2) What We Will Not Cover
We will not make payment to You under this Benefit:
a) If the loss or damage occurs while Your Home is Unoccupied.
b) If You and/or Your Family and/or Your Domestic Staff are
directly and / or indirectly in any way involved in or concerned
with the actual or attempted Burglary.
42
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

c) In respect of any Kutcha Construction.

d) For any loss or damage to livestock, motor vehicles, pedal
cycles, money, securities for money, stamp, bullion, deeds,
bonds, bills of exchange, promissory notes, stock or share
certificates, business books, manuscripts, documents of any
kind, unset precious stones, jewellery, valuables, ATM or
credit cards
e) For the first Rs 5000 of each and every claim under this Benefit.
f) Under and for any interest in the property insured which has
come into existence subsequent to this Policy having come
into effect.
DEFINITIONS:
Business or Business purposes means any full or part time, permanent
or temporary, activity undertaken with a view to profit or gain.
Burglary means an act involving the unauthorised entry to or exit from
Your Home or attempt thereat by unexpected, forcible, visible and violent
means, with the intent to commit an act of Theft.
Contents means the following not used for Business or Business Purposes,
so long as they are owned by You and/or Your Family and/or You or Your
Family are legally responsible for them:
1) household goods, such as furnitures, fixtures, fittings, home
appliances, interior decorations and items of like nature.
2) Personal effects such as clothes and other articles of personal
nature likely to be worn, used or carried but excluding money,
jewellery and valuables.
Domestic Staff means any person employed by You solely to carry out
domestic duties associated with Your Home, but does not include any
person employed in any capacity in connection with any Business, trade
or profession.
Home means Your private residence as shown in the Schedule which
is used or occupied solely for domestic purposes by You and/or Your
Family and/or Your Domestic Staff whether owned by You or Your Family
or otherwise.
Kutcha Construction means buildings having walls and/or roofs of
wooden planks, thatched leaves, grass, bamboo, plastic, cloth, asphalt,
canvas, tarpaulin or the like.
Market Value means the value at which property insured could be
replaced with one of the same kind, type, age and condition.
Theft means an act of directly or indirectly and illegally permanently
depriving You and/or Your Family of the possession of the Contents by
any person by violent or forceful means or otherwise.
43
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Unoccupied means Your Home that remains unoccupied by You and/or

Your Family for more than ninety (90) consecutive days.
GENERAL CONDITIONS
These terms and conditions have general application to this coverage
as a whole, and they apply regardless of the number of Benefits that
are operative under this Policy.
1. Reasonable Care
All reasonable steps, safeguards and precautions to avoid any
injury, loss or damage that might result in a claim under this Policy
or otherwise must be taken by You and/or Your Family and/or
Your Domestic Staff, and You and/or Your Family shall exercise
reasonable care in employing Domestic Staff or other employees
or contractors to work in Your Home.
[Link] of Claims
If an event occurs that may give rise to a claim under this Policy,
or there are circumstances that are likely to give rise to a claim,
You must:
a) Inform Us immediately, and, in any case by way of written
intimation (against a receipt from Us) or by registered post
not later than 7 days from the occurrence of the loss or the
event giving rise to the claim. Our address is:
The Tata AIG General Insurance Company Limited A – 501,
5th Floor, Building No. 4, Infinity Park, Dindoshi, Malad – E,
Mumbai – 400097
b) Provide Us with all relevant information, documentation and
details of items lost, damaged or destroyed along with their
values, and also any other assistance that We may reasonably
require to enable Us or independent surveyors or Our
representatives to investigate any claim and/or to establish to
Our reasonable satisfaction that a loss of the amount stated
has occurred under this Policy. Specifically in the case of the
notification of a circumstance likely to give rise to a claim, You
shall also give Us reasons for the anticipation of a claim with
full particulars including dates and the persons involved.
c) Preserve any damaged property so that it may, at Our
discretion, be inspected and examined by independent
surveyors or Our representatives.
d) In case of actual or attempted Burglary, You must in addition
to a), b) and c) above:
i) immediately lodge a written complaint with the police
listing out the items with values that were lost, damaged
44
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

or destroyed and that You intend to claim for and

forward a copy of that written complaint, the First
Information Report and/or Final Report to Us, and
ii) take all practicable steps to apprehend the guilty
persons and to recover any property lost, and
iii) protect the remaining property from further damage
as per General Condition 1 above, and
iv) within 7 days supply Us with an inventory of damaged or
stolen property detailing the quantity, age, description,
actual cash value and amount of loss claimed for in
respect of each item, along with all documentation
required to support and substantiate Your claim.
e) In case the event or circumstance to be notified involves any form
of legal process, You must in addition to a), b), c) and d) above:
i) immediately send Us every written notice or information
of any verbal notice of a claim, and
ii) immediately send Us any writ, summons, or other legal
process issued or commenced against You, and
iii) permit Us to take over the control and conduct of the
defence, pursuit or settlement of any claim and provide
Us or Our representatives with such cooperation and
assistance as may be required for that purpose, and
iv) not, without Our prior written consent, incur any
costs, admit liability for or attempt to settle, make any
admission, offer any payment or otherwise assume any
contractual obligation with respect to any legal action
or threat of legal action.
3. Basis of Loss Settlement
If You make a claim under this Policy that We accept for payment,
then the basis upon which We shall calculate the payment due to
You and make payment shall be as follows:
a) In the event of a total loss of an item, We will pay You the
Market Value of the item (or, if not readily available, then
an item of equivalent but not better quality) as it existed
immediately before the occurrence of the loss, less salvage
value but limited nevertheless to the Benefit Sum Insured
or the limit as stated in the Schedule. However, We may
instead (alone or with other Insurers), in Our sole and
absolute discretion, reinstate, replace or repair the property
or premises lost or any part thereof, but only to the extent
and in the manner that circumstances permit.
45
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

b) In the case of damage to an item:

a. If it is reasonably capable of repair, reinstatement,
renewal or refurbishment then Our payment to You
will reflect Your reasonable costs of restoring by such
means the damaged item to its condition immediately
prior to the event that gave rise to the claim under
this Policy.
b. If the cost of replacement, repair, reinstatement, renewal
or refurbishment of any item is equal to or exceeds the
value of the lost or damaged item immediately before
the occurrence of the damage, then We will pay You the
value of the item as it existed immediately before the
occurrence of the loss or damage, less salvage value
but limited nevertheless to the Benefit Sum Insured or
the limit as stated in the Schedule.
c) We will only pay You in India and in Indian Rupees
subject to Your having established to Our reasonable
satisfaction that the replacement, reinstatement,
repair, renewal or refurbishment has been effected
by You.
d) We shall not make any payment for the cost of
any enhancements, alterations, additions and/or
improvements.
e) We shall not make any payment for more than 20% of
the Benefit Sum Insured “Benefit: Burglary” in respect
of any one item.
f) If You have any other insurance(s) that would cover a
claim under this Policy, or would cover that claim but
for the existence of this Policy, then Our payment to
You will represent a rateable proportion of the claim.
g) Under no circumstances will Our liability to make
payment exceed the Sum Insured under any particular
Benefit per claim and in the aggregate.
4. Compliance with Terms and Conditions
Your and/or Your Family’s and/or Your Domestic Staff’s compliance
with the terms and conditions of this Policy, in so far as these
require anything to be done by You and/or by Them or complied
with by You and/or Them, is a condition precedent to Our liability.
In the event of any breach, We may repudiate any liability for
Your claim.

46
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Part E: Scope of Coverage

Hazard H 1
24-HOUR PROTECTION
(Insured Journey Only)
During the course of an Insured Journey, unless specifically restricted
in the Policy.
Hazard H 2 COMMON CARRIER
We will pay the Principal Sum shown in the Policy Schedule or the
Schedule of Benefits if Injury to You results in loss of life while riding
as a passenger (but not as a pilot, operator or member of the crew) in
or on, boarding or alighting from any Common Carrier provided that,
this Hazard shall not apply while You are riding in or on, or boarding
or alighting from, any civilian aircraft that does not hold current a valid
Airworthiness Certificate and is piloted by a person who then holds a
valid and current certificate of competency of a rating authorizing him
to pilot such aircraft.
The term “Airworthiness” certificate used in this Hazard shall mean
the standard Airworthiness Certificate issued by the aviation agency
or the governmental authority having jurisdiction over civil aviation in
the country of its registry.
This Hazard shall not apply while such Insured Person is riding in
any civilian aircraft while it is being used for any Specialized Aviation
Activity (ies), other than as expressly described herein, unless previously
consented to in writing by Us.
Part F: Claim Related Information
For any claim related query, intimation of claim and submission of claim
related documents, You can contact our Assistance Company – AIG
Travel Assist through:
For Excluding Americas Policies : Call:+603-2118-0782 or +603-
2118-0784 (Toll Worldwide) Email (assistance): [Link]@
[Link] Email (claims): [Link]@[Link]
For the Americas Policies: Please Call:+1-866-866-2619 (Toll Free within
US & Canada) : +1-817-826-7017 (Reverse Charge/Collect from other
places) Email: [Link]@[Link]
While in India, contact at below numbers for any claim related
assistance -
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 – 66272829, Pune – 66014156,
Chennai – 66841050, Hyderabad – 66629882, Ahmedabad - 66610201
Email:[Link]@[Link]
47
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

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.
Part G: Redressal of Grievance
In case of any grievance the Insured Person may contact through
Website: www. [Link]
Call us 24X 7 toll free helpline 1800 266 7780 or 1800 22 9966 (Senior
Citizen) Email us at customersupport@[Link]
Write to us at: Customer Support, Tata AIG General Insurance Company
Limited A-501 Building No. 4 IT Infinity Park, Dindoshi, Malad (E),
Mumbai - 400097
Visit the Servicing Branch mentioned in the policy document The insured
person may also approach the grievance cell at any of the Company’s
branches with details of grievance.
lf lnsured person is not satisfied with the redressal of grievance through
one of the above methods, Insured person may contact the grievance
officer at [Link]@[Link]. For updated details
of grievance officer, kindly refer the link IRDAI Integrated Grievance
Management System - [Link]
lf lnsured person is not satisfied with the redressal of grievance through
above methods, the Insured Person may also approach the office of
lnsurance Ombudsman of the respective area/region for redressal of
grievance as per lnsurance Ombudsman Rules 2017. Grievance may also
be lodged at IRDAI lntegrated Grievance Management System - https://
[Link]/

Office Details Address & Contact details Jurisdiction of Date of

Office Union Taking
Territory, District) Charge
AHMEDABAD - Office of the Insurance Ombudsman, Gujarat, Dadra & 03/10/2019
Shri Kuldip Singh Jeevan Prakash Building, 6th floor, Nagar Haveli,
Tilak Marg, Relief Road, Daman and Diu.
Ahmedabad - 380 001.
Tel.: 079 - 25501201/02/05/06
Email: [Link]@[Link]
BENGALURU - Office of the Insurance Ombudsman, Karnataka. 23/04/2018
Smt. Neerja Jeevan Soudha Building No. 57-27-N-19,
Shah Ground Floor, 19/19, 24th Main Road,
JP Nagar, Ist Phase,
Tel.: 080 - 26652048 / 26652049
Email: [Link]@[Link]
48
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Office Details Address & Contact details Jurisdiction of Date of

Office Union Taking
Territory, District) Charge
BHOPAL - Office of the Insurance Ombudsman, Madhya Pradesh 24/05/2018
Shri Guru Saran Janak Vihar Complex, 2nd Floor, Chhattisgarh.
Shrivastava 6, Malviya Nagar, Opp. Airtel Office,
Near New Market, Bhopal – 462 003.
Tel.: 0755 - 2769201 / 2769202
Fax: 0755 - 2769203
Email: [Link]@[Link]
BHUBANESHWAR - Office of the Insurance Ombudsman, Orissa. 11/09/2019
Shri Suresh 62, Forest park, Bhubneshwar – 751 009.
Chandra Panda Tel.: 0674 - 2596461 /2596455
Fax: 0674 - 2596429
Email: [Link]@[Link]
CHANDIGARH - Office of the Insurance Ombudsman, Punjab, Haryana, 16/04/2018
Dr. Dinesh S.C.O. No. 101, 102 & 103, 2nd Floor, Himachal Pradesh,
Kumar Verma Batra Building, Sector 17–D, Jammu & Kashmir,
Chandigarh - 160 017. Chandigarh.
Tel.: 0172 - 2706196 / 2706468
Fax: 0172 - 2708274
Email: [Link]@[Link]
CHENNAI - Office of the Insurance Ombudsman, Tamil Nadu, 03/05/2018
Shri M. Vasantha Fatima Akhtar Court, 4th Floor, Pondicherry Town
Krishna 453, Anna Salai, Teynampet, and Karaikal
CHENNAI – 600 018. (which are part of
Tel.: 044 - 24333668 / 24335284 Pondicherry).
Fax: 044 - 24333664
Email: [Link]@[Link]
DELHI - Office of the Insurance Ombudsman, Delhi 12/09/2019
Shri Sudhir 2/2 A, Universal Insurance Building,
Krishna Asaf Ali Road, New Delhi – 110 002.
Tel.: 011 - 23232481/23213504
Email: [Link]@[Link]
GUWAHATI - Office of the Insurance Ombudsman, Assam, Meghalaya, 02/05/2018
Shri Kiriti .B. Jeevan Nivesh, 5th Floor, Manipur, Mizoram,
Saha Nr. Panbazar over bridge, S.S. Road, Arunachal Pradesh,
Guwahati – 781001(ASSAM). Nagaland and
Tel.: 0361 - 2632204 / 2602205 Tripura.
Email: [Link]@[Link]

49
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Office Details Address & Contact details Jurisdiction of Date of

Office Union Taking
Territory, District) Charge
HYDERABAD - Office of the Insurance Ombudsman, Andhra Pradesh, 11/06/2018
Shri I. Suresh 6-2-46, 1st floor, “Moin Court”, Telangana,
Babu Lane Opp. Saleem Function Palace, Yanam and part
A. C. Guards, Lakdi-Ka-Pool, of Territory of
Hyderabad - 500 004. Pondicherry.
Tel.: 040 - 67504123 / 23312122
Fax: 040 - 23376599
Email: [Link]@[Link]
JAIPUR - Office of the Insurance Ombudsman, Rajasthan 13/04/2018
Smt. Sandhya Jeevan Nidhi – II Bldg., Gr. Floor,
Baliga Bhawani Singh Marg, Jaipur - 302 005.
Tel.: 0141 - 2740363
Email: [Link]@[Link]
ERNAKULAM - Office of the Insurance Ombudsman, Kerala, 07/11/2018
Ms. Poonam 2nd Floor, Pulinat Bldg., Lakshadweep,
Bodra Opp. Cochin Shipyard, M. G. Road, Mahe-a part of
Ernakulam - 682 015. Pondicherry.
Tel.: 0484 - 2358759 / 2359338
Fax: 0484 - 2359336
Email: [Link]@[Link]
KOLKATA - Office of the Insurance Ombudsman, West Bengal, 30/09/2019
Shri P. K. Rath Hindustan Bldg. Annexe, 4th Floor, Sikkim, Andaman &
4, C.R. Avenue, KOLKATA - 700 072. Nicobar Islands.
Tel.: 033 - 22124339 / 22124340
Fax : 033 - 22124341
Email: [Link]@[Link]

50
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Office Details Address & Contact details Jurisdiction of Date of

Office Union Taking
Territory, District) Charge
LUCKNOW - Office of the Insurance Ombudsman, Districts of Uttar 11/09/2019
Shri Justice Anil 6th Floor, Jeevan Bhawan, Phase-II, Pradesh : Laitpur,
Kumar Srivastava Nawal Kishore Road, Hazratganj, Jhansi, Mahoba,
Lucknow - 226 001. Hamirpur, Basti,
Tel.: 0522 - 2231330 / 2231331 Banda, Chitrakoot,
Fax: 0a522 - 2231310 Allahabad,
Email: [Link]@[Link] Mirzapur,
Sonbhabdra,
Fatehpur,
Pratapgarh, Ballia,
Jaunpur, Varanasi,
Gazipur, Jalaun,
Mau, Gonda,
Deoria, Kanpur,
Lucknow, Unnao,
Sitapur, Lakhimpur,
Bahraich,
Barabanki,
Raebareli, Sravasti,
Faizabad, Amethi,
Kaushambi,
Balrampur,
Ambedkarnagar,
Sultanpur,
Maharajgang,
Santkabirnagar,
Azamgarh,
Kushinagar,
Gorkhpur,
Ghazipur,
Chandauli,
Sidharathnagar.
MUMBAI - Office of the Insurance Ombudsman, Goa, Mumbai 04/05/2018
Shri Milind A. 3rd Floor, Jeevan Seva Annexe, Metropolitan
Kharat S. V. Road, Santacruz (W), Region excluding
Mumbai - 400 054. Navi Mumbai &
Tel.: 022 - 26106552 / 26106960 Thane.
Fax: 022 - 26106052
Email: [Link]@[Link]

51
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Office Details Address & Contact details Jurisdiction of Date of

Office Union Taking
Territory, District) Charge
NOIDA - Office of the Insurance Ombudsman, State of Uttaranchal 17/09/2019
Shri Chandra Bhagwan Sahai Palace, 4th Floor, Main and the following
Shekhar Prasad Road, Districts of Uttar
Naya Bans, Sector 15, Distt: Gautam Pradesh: Agra,
Buddh Nagar, Aligarh, Bagpat,
4th Floor, Main Road, Naya Bans, Sector Bareilly, Budaun,
15, Distt: Gautam Buddh Nagar, U.P- Bulandshehar,
201301. Bijnor, Etah, Kanooj,
Tel.: 0120-2514250 / 2514252 / 2514253 Shamli, Mainpuri,
Email: [Link]@[Link] Muzaffarnagar,
Mathura,
Hapur, Meerut,
Farrukhabad,
Moradabad,
Oraiyya, Pilibhit,
Etawah, Firozbad,
Ghaziabad, Hardoi,
Shahjahanpur,
Gautambodhanagar,
Rampur, Kashganj,
Sambhal,
Amroha, Hathras,
Kanshiramnagar,
Saharanpur.
PATNA - Shri N. Office of the Insurance Ombudsman, Bihar, Jharkhand. 09/10/2019
K. Singh 1st Floor,Kalpana Arcade Building,
Bazar Samiti Road, Bahadurpur,
Patna 800 006.
Tel.: 0612-2680952
Email: [Link]@[Link]
PUNE - Shri Office of the Insurance Ombudsman, Maharashtra, 03/12/2019
Vinay Sah Jeevan Darshan Bldg., 3rd Floor, Area of Navi
C.T.S. No.s. 195 to 198, N.C. Mumbai and Thane
Kelkar Road, Narayan Peth, excluding Mumbai
Pune – 411 030. Metropolitan
Tel.: 020-41312555 Region.
Email: [Link]@[Link]

52
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

List of excluded expenses (non-medical) under indemnity policy are

uploaded on our website. Please login to [Link]
downloads/Others/Annexure-I-List of Optional Items
Grievance Redressal Procedure:
As per Regulation 17 of IRDA of India (Protection of Policy holders
Interests) Regulation. 2017.
Prohibition of Rebates - Section 41 of the Insurance Act, 1938 as
amended by Insurance Laws (Amendment) Act, 2015
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 the 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
PART H. SCHEDULE OF BENEFITS:
Silver Silver Plus Gold Platinum Senior Gold Platinum
Plan
Benefits SINGLE TRIP ANNUAL MULTY TRIP
AGE 0.6 - 70 0.6 - 70 0.6 - 70 0.6 - 70 71 Yrs & 19 - 70 Yrs 19 - 70 Yrs
Yrs Yrs Yrs Yrs above
Sum(s) Insured in US $ Including and Excluding the America (Worldwide)
Accidental Death and 10,000 10,000 15,000 25,000 10,000 15,000 25,000
Dismemberment Benefit
(24 hrs)
Accidental Death and NA 5,000 5,000 5,000 NA 5,000 5,000
Dismemberment Benefit
(Common Carrier)
Accidental & Sickness 50,000 1,00,000 2,50,000 5,00,000 50,000 2,50,000 5,00,000
Medical Expense
Reimbursement
Deductible 100 100 100 100 100 100 100
Sickness Dental Relief 300 400 500 1,000 300 500 1,000
Deductible 150 150 150 150 150 150 150

53
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

Silver Silver Plus Gold Platinum Senior Gold Platinum

Plan
Emergency Medical Included* Included* Included* Included* Included* Included* Included*
Evacuation Benefit
Repatriation of Remains Included* Included* Included* Included* Included* Included* Included*
Baggage Delay Benefit 50 100 200 500 50 100 200
(After first 12 hrs)
Checked Baggage Loss 500 750 1,000 1,000 500 1,000 1,000
Benefit #
Loss of Passport Benefit 250 250 250 250 250 250 250
Deductible 30 30 30 30 30 30 30
Personnal Liability Benefit 1,00,000 1,50,000 2,00,000 5,00,000 1,00,000 2,00,000 2,00,000
Deductible 200 200 200 200 200 200 200
Flight Delay^ NA Included Included Included NA Included Included

Silver Silver Plus Gold Platinum Senior Plan Gold Platinum

Benefits SINGLE TRIP ANNUAL MULTY TRIP
AGE 0.6 - 70 Yrs 0.6 - 70 Yrs 0.6 - 70 Yrs 0.6 - 70 Yrs 71 Yrs & 19 - 70 Yrs 19 - 70 Yrs
above
Sum(s) Insured in US $ Including and Excluding the America (Worldwide)
Hijack^^ NA Included Included Included NA Included Included
Automatic extension of Available Available Available Available Available Available Available
policy upto 7 days
Emergency cash advance 500 750 1000 1500 500 1000 1500
Fraudulent Charges 500 500 1000 2000 1000 2000
(Payment Card Security)
Home Burglary (In Rs.) Rs.1,00,000 Rs.1,00,000 Rs.2,00,000 Rs.2,00,000 Rs.2,00,000 Rs.2,00,000
Trip Cancellation 500 500 750 1000 750 1000
Deductible 50 50 75 100 75 100
Trip Curtailment 500 500 750 1000 750 1000
Deductible 50 50 75 100 75 100
Missed Connection / 500 500 750 1000 750 1000
Missed Departure
Deductible 50 50 75 100 75 100
Bounded hotel/ Airline 500 500 750 1000 750 1000
booking
Deductible 50 50 75 100 75 100

54
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

* Included under the benefit limit of Accident & 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 & Maximum $100
^^ Hijack – Deductible of 1 day, $100per day & Maximum $500

Family Option applicable to Silver & Silver Plus Only

Discount Matrix
1 member 0
2 member 5%
3 member 10%
4 member 15.0%
5 member 17.5%
6 member 20.0%
Discount rate is based on % of the summation of the premium
mentioned above. This is applied only for the same plan and same trip
duration as per the family definition.
Limitations -
Accidental Death and Dismemberment Benefit is limited to 10% of
Principal Sum Insured for Insured Person with age 17 years or below.
Accidental Death and Dismemberment Benefit is limited to $5000 for
two wheeled motorized mode of conveyance irrespective of any Plan
and age wherever applicable.
Accident & Sickness Medical Expense is limited to $10000 for two
wheeled motorized mode of conveyance irrespective of any Plan and
age wherever applicable.
Pre-existing Condition or any complication arising from it in a Life
saving unforeseen emergency condition would be reimburse up to
$1500 per policy.
Sub-limits -
The following Maximum eligible expenses per Disease/Illness 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.

55
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021
Travel Guard Policy

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
Services - Maximum up to $ 400.
NOTE -
The above plans are with Sublimits. Sublimits can be waived by paying
additional premium.
Restriction of Sum Insured –
Under renewals 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 / condition which had been incurred and paid in any
of the prior policies issued by Us to the same insured.

TA/RTA/PW/V1.0/Sept20

56
Tata AIG General Insurance Company Limited
Registered Office: Peninsula Business Park, Tower A, 15th Floor,
G.K. Marg, Lower Parel, Mumbai – 400013
• 24X7 Toll Free No: 1800 266 7780 or 1800 22 9966 (Senior Citizen)
• Fax: 022 6693 8170 • Email: customersupport@[Link]
Website: [Link] • IRDA of India Registration No: 108
• CIN:U85110MH2000PLC128425 • UIN: TATTIOP21207V022021