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| Q.Are there any restrictions on the hospital where the treatment should be taken? |
A: There is no restriction on the hospital where treatment should be taken. The treatment can be taken in any hospital in the world outside India. However, the only restriction is that the hospital should be a registered hospital under the local jurisdiction. However it is advisable in pre planned hospitalisation, the insured informs the Assistance company who will direct them to a Network Hospital in the same locality. |
| Q. Is the sum insured mentioned under each category applicable to all members traveling on the policy and is there any restriction on number of claims? |
| A: The sum insured as mentioned in the policy schedule is for each traveling member. For eg. If there are 3 family members traveling under a single Gold Plan policy, each of the them will be covered for a SI of $200,000 under the Accident & Sickness benefit. Also this limit of $200,000 is per accident which means that the limit gets topped up once a claim is settled. For eg. If Individual A has had an accident and had filed a claim for $10,000, in the event of another sickness claims he/she will be eligible for $200,000 in full and the same will not be deducted from the $10,000 already claimed under the first claim. However the deductible of $100 will be applicable for a single claim/incident There is no restriction on the number of claims per person in the policy period |
| Q. Is a newborn child covered from day one under the Group Travel Policy? |
| A: A newborn child will be covered after 6 months of birth. |
| Q. Who are the Assistance Companies for Overseas Travel Insurance? |
| A: We have two Assistance companies currently servicing Tata AIG on claims. AIG International Services (AIG IS or AIG Assist) is the Assistance company in North & South America (including Canada) while International SOS (ISOS) is the Assistance company in Rest of the World. |
| Q. What are the two types of claim settlements? |
A: Reimbursement & Cashless settlement. |
| Q. What do you mean by Cashless claim settlement? |
A: AIG IS or ISOS will pay up to 100% of the claim to the hospital in case of hospitals in the preferred network (subject to deductibles under the policy conditions). The same will be done either by placing a Guarantee of Payment (GOP) or making a payment to the hospital. This will be applicable for all Inpatient Claims provided the same is Admissible under the policy. |
| Q. What about Claims relating to Travel Emergencies? |
| A:For claims relating to Baggage Loss/Delay, Passport Loss, Trip Delay please keep necessary proof of documents relating to the incident as well as bills for expenses incurred as a direct result of the said incident. For eg. For Passport Loss, documents such as Police FIR, Duplicate passport issuance charges, other incidental expenses can be claimed under this head, provided bills for the same are available. Once all the bills are available, submit the same to the Assistance Company along with the cliam form for reimbursement. The list of documents to be submitted for all travel emergency claims are available on the intranet site of the insurance companies. |
| Q. Why should I buy overseas travel insurance? |
A: In some instances overseas travel insurance is required to get a visa to travel to certain countries. Schengen country (many countries of Western Europe constitute the Schengen countries) consulates insist on having travel insurance with a minimum of $37,500 coverage.
However even if insurance is not required for visa purposes, it is still prudent to purchase health insurance for the following reason. Health care costs in India is much less when compared to developed countries like the USA, Japan and other European countries. In most of these countries medical care is not subsidized by the government, and medical bills can easily exceed thousands of dollars which patients have to pay by themselves. Most people in these countries have some form of health insurance, however these insurance policies are not available to visitors. Given this scenario, purchasing travel insurance can be viewed as a necessity.
Along with medical coverage, these travel insurance policies also provide coverage for baggage loss, baggage delay, loss of passport etc. |
| Q. What is the proof of my purchasing insurance? |
A: When you purchase insurance online, you will immediately receive a confirmatory email with details of the insurance. It is prudent to print this and to keep a backup of this email. You will also receive an insurance policy within 3-4 business days. This policy will have your name, policy number, insurance company's contact information such as the toll-free telephone number and the address where claims should be submitted. |
| Q. How do I purchase the insurance? When does the insurance take effect? |
A: Purchasing insurance online is very simple. Click on the 'Buy' button will lead you to the appropriate online application form. You have to complete the online application form and make the payment using a debit/credit card. You will immediately receive an email acknowledgement, and the policy will be mailed or emailed to you within 3-4 business days. The coverage will start from the start date as indicated on the policy document. |
| Q. :Can I purchase insurance for only part of the stay of my parents in the US? |
A: Yes you can purchase for only partial duration of the entire stay. However the purpose of purchasing insurance is in the event of unanticipated medical emergencies. One can never be sure when such an emergency can happen. Having purchased insurance for part of their stay will not help in the event of an emergency during the uninsured period. |
| Q. Is the insurance plan purchased on a calendar monthly basis, or can a plan span 2 calendar months? |
| A: A month is calculated as 30 continuous days from the start date requested and it can include two partial calendar months. |
| Q. What is the minimum duration for which insurance can be purchased? |
| A: The minimum duration varies for different insurance plans. It is typically for as little as five days. |
| Q. What information do I need to complete the online application? |
| A: All the information required to complete the application is available in the applicants passport. The main data elements are the applicants complete name, passport number, date of birth, mailing address and telephone number in India, the assignee (the beneficiary for the policy) and the correct travel dates. |
| Q. What is a deductible? |
| A: If your plan has a Rs.100 deductible, you pay the first Rs.100 of expenses and then the insurance company picks up the rest. |
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