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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
TATA AIG GENERAL INSURANCE LIMITED
GROUP OVERSEAS TRAVEL GUARD
COVERAGE DETAILS
This document is for reference purpose only. Please refer filed policy wordings for Group Overseas Travel Guard for detailed
terms and conditions.
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
Coverage Details
TATA AIG General Insurance Company Limited (The Company) will provide the insurance described in
this Policy and any endorsements to the Policy, detailed in the Policy Schedule / Certificate of
Insurance 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 consideration for the payment of the
premium and in 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 coverages as
are indicated by a specific amount set opposite in the Policy Schedule/Certificate of Insurance.
The Extension Coverages to the Base cover are provided on payment of additional premium and
subject to the terms and conditions and exclusions as stated in the Policy Wordings. These Extensions
shall be available only if the same has been specifically mentioned in the Policy Schedule/Certificate
of Insurance.
The insurance provided under these Extensions are only with respect to such extensions as have been
mentioned in the Policy Schedule/Certificate of Insurance
SECTION 1- DEFINITIONS
The terms defined below in the Policy have the meanings ascribed to them wherever they appear in
this Policy and, where, the context so requires, references to the singular include references to the
plural; references to the male includes the female and references to any statutory enactment includes
subsequent changes to the same.
1. Accident/Accidental: means a sudden, unforeseen, and involuntary event caused by external,
visible and violent means.
2. Acquired Immune Deficiency Syndrome: means Acquired Immune Deficiency Syndrome, a
condition characterised by a combination of signs and symptoms, caused by Human
Immunodeficiency Virus, which attacks and weakens the body’s immune system making the HIV-
positive person susceptible to life threatening conditions or other conditions, as may be
specified from time to time;
3. Adventure Sports: means Recreational activities perceived as involving a high degree of risk.
These activities involve either or speed, height, a high level of physical exertion, and highly
specialized gear.
4. Age: means the age of the Insured Person on his completed birthday as per the English
calendar, regardless of the actual time of birth at the time of Policy inception.
5. Air Travel: means travel by a Scheduled Airline/aircraft for the purpose of flying therein as a
passenger.
6. Ambulance: means a motor vehicle operated by a licensed/authorised service provider and
equipped for taking ill or injured people requiring medical attention to and from Hospital in
emergencies.
7. Assistance Company: means with whom the Company contracts, as an independent contractor,
to provide travel related emergency assistance services.
8. 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 organization(s) or government(s), committed for political, religious,
ideological or similar purpose including the intension to influence any government and/or to put
the public, or any section of the public in fear.
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
9. Burglary: means an act involving the unauthorized and forcible entry to or exit from the Insured
Person’s Usual place of Residence with an intent of committing a Theft.
10. Cashless facility: means a facility extended by The Company to the Insured Person where the
payments, of the costs of treatment undergone by the Insured Person in accordance with the
Policy terms and conditions, are directly made to the Network Provider by The Company to
the extent pre-authorisation is approved.
11. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood
which causes widespread loss, damage, or disruption at locations which are forming part of the
trip.
12. Certificate of Insurance: means certificate attached to and forming part of this Policy
mentioning the details of the Insured Person who is covered, along with the Coverages and
Sum Insured, the Cover Period and the limits and condition, to which the Coverages under the
Policy are subject to, including any annexure and/or endorsements.
13. Child(ren): means named dependent children of the Insured Person.
14. Chiropractor: means a regulated healthcare professional and a licensed practitioner.
15. Claim(s): A demand made by the Insured Person for payment under any Coverage, as covered
under the Policy Schedule/Certificate of Insurance.
16. Common Carrier: means any public road, rail or water conveyance or Scheduled Airline, which
is operating under a valid license from the relevant authority for the Transportation of fare
paying passengers.
17. Congenital Anomaly: means a condition(s) which is present since birth, and which is abnormal
with reference to form, structure or position
a) Internal Congenital Anomaly – which is not in the visible and accessible parts of the
body.
b) External Congenital Anomaly – which is in the visible and accessible parts of the body.
18. Cover Period End Date: means the date on which the Cover Period expires.
19. Cover Period Start Date: means the date on which the Cover period commences.
20. Day: means a period of 24 consecutive hours.
21. Day Care Centre: means any institution established for Day Care Treatment of Illness and /or
injuries or a medical set up with a Hospital and which has been registered with the local
authorities, wherever applicable, and is under supervision of a registered and qualified Medical
Practitioner and must comply with all minimum criterion as under
i) Has qualified nursing staff under its employment
ii) Has qualified Medical Practitioner/s in charge
iii) Has fully equipped operation theatre of its own where Surgical Procedures are carried out
iv) Maintains daily records of patients and will make these accessible to The Company’s
authorize personnel
22. Day Care Treatment: means medical treatment, and/or Surgical Procedure which is:
i. undertaken under General or Local Anesthesia in a Hospital / Day Care Centre in less than
24 hrs. because of technological advancement, and
ii. Which would have otherwise required Hospitalisation of more than 24 hours. Treatment
normally taken on an out-patient basis is not included in the scope of this definition.
23. Deductible / Excess Period/ Time Deductible: means the number of hours/days of each and
every loss payable by Insured Person before the Policy Coverages becomes payable.
24. Deductible/Co-pay amount :means the amount which shall be borne by the Insured Person in
respect of each and every Claim made under opted Coverage. The Company’s liability to make
any payment under the Coverage is in excess of the Deductible / Co-pay opted.
25. Emergency Care: means management for Illness/ Injury which results in symptoms which
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
occur suddenly and unexpectedly and requires immediate care by a Medical practitioner to
prevent death or serious long-term impairment of Insured Person’s health.
26. Emergency Medical Evacuation: means
o Transportation of the Insured Person from the place where he has suffered an Injury or
contracted an Illness to the nearest Hospital where appropriate medical treatment can be
obtained;
o After being treated at a local Hospital, Insured Person’s medical condition warrants
Transportation to the country where the trip commenced to obtain further medical
treatment.
27. Family: means the Insured Person and/or his Spouse and/or Children.
28. Hospital: means any institution constituted and registered as a facility for the care and
treatment of ill and injured person as paying bed patients and which
i) has qualified nursing staff under its employment round the clock
ii) is not primarily a clinic, nursing, rest or convalescent home, a home for the aged, a place
for the treatment of alcoholism or drug addiction or an institution for mental or
behavioural disorder; and
iii) has qualified Medical Practitioner(s) in charge round the clock
iv) has full facilities for diagnosis, a fully equipped operation theatre of its own where
Surgical Procedures are carried out
v) Maintains daily records of patients and makes these accessible to the insurance
company’s authorized personnel
29. Hospitalisation: means admission in a Hospital for a minimum period of 24 consecutive ‘In-
patient’ hours and Day Care Treatment.
30. Hemiplegia: means the complete and irreversible paralysis of upper and lower Limbs of the
same side of the body.
31. Illness: means a Sickness or a disease or pathological condition leading to the impairment of
normal physiological function and requires medical treatment.
(a) Acute condition - Acute condition is a disease, Illness or Injury that is likely to respond
quickly to treatment which aims to return the person to the Insured Person state of health
immediately before suffering the disease/ Illness/ Injury which leads to full recovery.
(b) Chronic condition - A chronic condition is defined as a disease, Illness, or Injury that
has one or more of the following characteristics:
1. it needs ongoing or long-term monitoring through consultations, examinations,
check-ups, and /or Tests
2. it needs ongoing or long-term control or relief of symptoms
3. it requires rehabilitation for the patient or for the patient to be specially trained to
cope with it
4. it continues indefinitely
5. It recurs or is likely to recur.
Provided such Illness / disease/ sickness should be contracted and /or commenced during the Trip.
32. Immediate Family Member: means Insured person's Spouse; Children; Children-in-law;
siblings and their children; Parents; parents-in-law; grandparents; grandchildren; legal guardian.
33. Injury: means Accidental physical bodily harm excluding Illness or disease solely and directly
caused by external, violent, visible and evident means which is verified and certified by a
Medical Practitioner.
34. In-patient: means treatment for which the Insured Person has to stay in Hospital for more
than 24 consecutive hours for a covered event.
35. Immediate Dental Treatment: means Medical treatment commencing within 24 hours of the
time and date the sudden acute pain first occurs without warning to the Insured Person’s teeth.
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
36. Insured Person: means the person who is part of the Group and qualifies the eligibility criteria
to be covered under this Policy and for whom the premium has been received by The Company
and whose name is as detailed in the Policy Schedule / Certificate of Insurance.
37. 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.
38. IRDAI: means Insurance Regulatory and Development Authority of India.
39. Limb: means entire arm or leg
40. Medical Advice: means any consultation or advice from a Medical Practitioner including the
issue of any prescription or follow-up prescription.
41. 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.
Medical Expenses include
· In-patient treatment and/or Day Care Treatment in a local Hospital at the place the
Insured Person is staying at the time of occurrence of an insured event.
· Medically Necessary: charges towards Hospital Room and Boarding, Intensive Care
Unit, Surgery (Includes Operating room charges, Surgical Appliance, Surgeon fee and
Implant charges), Anesthetist services, x-ray examinations or treatments, and
laboratory tests, Medical Practitioner’s visit fees, Specialist fees, Miscellaneous
expenses including cost of medicines / Pharmacy / Drugs / Supplies, Nursing charges,
External medical appliances as prescribed by a registered Medical Practitioner as
necessary and essential as part of the treatment on actual, Blood storage and
processing charges towards In-patient treatment
· Diagnostic tests towards diagnostic methods necessary for the treatment of the Insured
Person provided these pertain to the Illness / Injury due to which the In-patient
treatment was deemed Medically Necessary
· Ambulance service
· Drugs, medicines, and therapeutic services and supplies.
42. Medical Practitioner: means a person who holds a valid registration and entitled to practice
medicine within its jurisdiction; and is acting within its scope and jurisdiction of license. This
excludes Chiropractor as defined in Point 15 of this Section.
43. Medically Necessary: means any treatment, tests, medication, or stay in Hospital or part of a
stay in Hospital which:
i) is required for the medical management of the Illness or Injury suffered by the Insured
Person.
ii) must not exceed the level of care necessary to provide safe, adequate and appropriate
medical care in scope, duration, or intensity
iii) must have been prescribed by a Medical Practitioner
iv) Must conform to the professional standards widely accepted in international medical practice
or by the medical community in India.
44. Network Provider: means the Hospitals or health care providers enlisted by the Company,
Assistance Company, or jointly by the Company and Assistance Company to provide Medical
Services to an Insured Person by a Cashless facility.
45. Newborn Baby: means baby born during the Policy / Cover Period and is aged up to 90 days.
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
46. OPD Treatment: means the one in which the Insured Person visits a clinic / Hospital or
associated facility like a consultation room for diagnosis and treatment based on the advice of a
Medical Practitioner. The Insured Person is not admitted as a Day Care or In-Patient.
47. Paraplegia: means the complete and irreversible paralysis of both lower Limbs.
48. Personal Effects: means clothes and other articles of personal nature likely to be worn, used or
carried but excluding money, jewellery and valuables.
49. Per Occurrence Limit: means the maximum amount payable under a specific Coverage per
incident during the Policy / Cover Period.
50. Physiotherapy: means any form of physical or mechanical therapy; diathermy; ultra-sonic
therapy; heat treatment in any form; manipulation or massage administered by Medical
Practitioner.
51. Policy: means the contract of insurance including but not limited to Policy Schedule,
Certificate of Insurance, Endorsements, Policy Wordings, Extensions and Add On covers
wherever opted for.
52. Policyholder: means the Person(s) or the entity named in the Policy Schedule / Certificate of
Insurance.
53. Policy Period End Date: means the date on which the Policy Period expires.
54. Policy Period Start Date: means the date on which the Policy Period commences.
55. Policy Schedule: means Schedule attached to and forming part of this Policy mentioning the
details of the Insured Persons who are covered along with the Coverages and Sum Insured, the
Policy Period and the limits and condition, to which the Coverages under the Policy are subject
to, including any annexure and/or endorsements.
56. Post-hospitalisation Medical Expenses : means Medical Expenses incurred during
predefined number of days immediately after the Insured Person is discharged from the
Hospital provided that:
i. Such Medical Expenses are for the same condition for which the Insured person’s
Hospitalisation was required, and
ii. The In-patient Hospitalisation Claim for such Hospitalisation is admissible by the
Company
57. Pre-existing Disease: means any condition, ailment, Injury or disease:
o That is/are diagnosed by a Medical Practitioner within 48 months prior to the effective
date of the Policy issued by the Company or its reinstatement; or
o For which medical advice or treatment was recommended by, or received from, a
Medical Practitioner within 48 months prior to the effective date of the Policy issued
by the Company; or its reinstatement.
58. Property Damage: means physical damage, destruction of or loss of use of tangible property.
59. Public Transport: means travel systems available for use by general public, typically managed
on a schedule, operated on established routes, and that charge a fee for each trip. Public
transport may include city buses, trams (or light rail), passenger trains, rapid transit
(metro/subway/underground etc.) and taxis. It may also include transport between cities
including Scheduled Airlines.
60. Quadriplegia: means the complete and irreversible paralysis of both upper and both lower
Limbs.
61. Scheduled Airline: means any civilian aircraft operated by a civilian scheduled air carrier
transport under license 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 specific times or regular flights operated by such carrier.
62. Subrogation: means the right of The Company to assume the rights of the Insured Person to
recover expenses paid out under the Policy that may be recovered from any other source.
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
63. Sum Insured: means the maximum amount of coverage, as specified against each Coverage in
the Policy Schedule / Certificate of Insurance to this Policy, which represents the maximum
liability of the Company for any and all Claims made during Policy / Cover Period under that
Coverage.
64. Surgery or Surgical Procedure: Surgery or Surgical Procedure 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 from suffering and prolongation of life, performed
in a Hospital or day care centre by a Medical Practitioner.
65. The Company: means Tata AIG General insurance Company Ltd.
66. Transportation: means any land, water or air conveyance required to transport the Insured
Person in case of a medical emergency. Transportation includes but is not limited to air
Ambulance, land Ambulances and private motor vehicles.
67. Traveling Companion: means up to two (2) person(s) who is/are booked to accompany the
Insured Person on the Trip.
68. Usual Place of Residence: means Insured Person’s address in India as mentioned in Policy
Schedule/ Certificate of Insurance.
69. Uniplegia: means the complete and irreversible paralysis of one Limb.
70. Various Insurance Period(s)
o Policy Period means the time during which this Policy is in effect. Such period
commences from the Policy Period Start Date and ends on the Policy Period End
Date and specifically appears in the Policy Schedule.
o Cover Period means the time during which this Cover is in effect. Such period
commences from the Cover Period Start Date and ends on the Cover Period End
Date and specifically appears in the Certificate of Insurance against the Insured
Person during which this Coverage is valid for that specific Insured Person.
71. Various Trip Definitions:
o Insured Journey: means any journey undertaken by the Insured Person, which
commences when the Insured Person enters the Port/Airport for onward journey and
ends when he alights/ exits the Port/Airport in each leg of journey.
o Single Trip: means the Trip where the Insured Person takes only one (1) trip which
lasts or is expected to last for the number of days as specified in the Policy
Schedule/Certificate of Insurance.
o Trip: means a journey starting within the Policy / Cover Period which commences and
terminates within the geographical boundaries of India and includes an Overseas Trip.
Such Trip should commence and terminate from/ at Insured Person’s Usual Place of
Residence. The coverage under this Trip is subject to there not being a time
difference of more than 48 hours between
Ø the time the Insured Person leaves the Usual Place of Residence till the time he
boards a Common Carrier which is scheduled to leave for a foreign destination
for the Overseas Trip; and
Ø the time the Insured Person lands in India after completion of the Overseas Trip
and the time he reaches his Usual Place of Residence
Such time difference of 48 hours being applicable independently for both the above
scenarios.
Overseas Trip: means a journey which commences from a Sea port / Land port/ Airport
in India and whose next destination is a Sea Port /Land Port/ Airport outside India,
starting within the Policy / Cover Period and terminates on return to India or
Policy/Cover Period End Date whichever is earlier.
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
2.1 Medical Expenses-Accident and Illness
The Company will reimburse Medical Expenses arising out of Hospitalization resulting from any
Injury due to an Accident and/or Illness occurring whilst on an Overseas Trip, which is Medically
Necessary and such Hospitalization is advised by treating Medical Practitioner
Pre-existing disease is included upto the limits specified in the Policy Schedule/Certificate of
Insurance maximum upto Medical Expenses-Accident and illness Sum Insured.
Exclusions Specific to this coverage:
In addition to the General Exclusions listed in this Policy, this Coverage shall not cover any Medical
Expenses related to: -
1. Dental treatment, dentures or Dental / Oral Surgery, unless caused by Hospitalisation arising
out of an Injury. Treatment related to gum disease or tooth disease or damage unless related
to irreversible bone disease involving the jaw, which cannot be treated in any other way.
2. Elective, cosmetic, or plastic surgery, except because of an Injury caused by a covered
Accident.
3. Expenses incurred in connection with weak, strained, or flat feet, corns, calluses, or toenails.
4. Treatment of acne.
5. Surgical treatment undertaken for correction of Deviated nasal septum, including sub mucous
resection and/or other surgical correction thereof, except as the result of Accident.
6. Organ transplants that are considered experimental in nature.
7. Expenses which are not exclusively medical in nature.
8. Eyeglasses, contact lenses, hearing aids, and examination for the prescription or fitting thereof
unless caused by Hospitalisation arising out of an Injury.
9. Treatment provided in a government Hospital or services for which no charge is normally
made.
10. Expenses related to the treatment for correction of eye sight due to refractive error.
11. Treatment for Alopecia, loss of hairs, treatment for hair including hair transplant and Laser
treatments.
12. Bone marrow transplant in blood disorders.
13. Stem cell implantation/Surgery, harvesting, storage or any kind of Treatment using stem cells.
2.2 Emergency Medical Evacuation
The Company will reimburse Covered Expenses if an Injury or Illness during an Overseas Trip
necessitates an Insured Person’s Emergency Medical Evacuation.
An Emergency Medical Evacuation must be
a. recommended by the attending Medical Practitioner who certifies that the severity or
b. the nature of Insured Person’s Injury or Illness warrants Insured Person’s Emergency
Medical Evacuation
arranged and authorized in advance by the Assistance Company.
Covered Expenses means expenses, which are incurred for Transportation and medical treatment,
Section 2: Coverages
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
including medical services and medical supplies for Insured Person’s Emergency Medical
Evacuation. All Transportation arrangements made for evacuating the Insured Person must be by
the most direct and economical route possible.
Claim under this cover shall be admissible subject to such Injury or Illness being admissible under
Coverage 2.1 Medical Expenses – Accident and Illness as specified in the Policy Schedule/
Certificate of Insurance.
2.3 Repatriation of Mortal Remains
The Company will reimburse Covered Expenses to bring Insured Person’s mortal remains to Insured
Person’s Usual Place of Residence if Insured Person dies whilst on an Overseas Trip. All
Repatriation of Remains arrangements must be approved in advance by Assistance Company.
The payment for cremation will be limited to INR 5000 as a fixed benefit in the event of non-
submission of bills.
Covered Expenses include, but are not limited to, expenses for (a) embalming (b) cremation (c) coffin
and (d) Transportation.
2.4 Accidental Death-24 hours
The Company will pay the Sum Insured as mentioned in Policy Schedule / Certificate of Insurance
in the event of death of the Insured Person caused by an Accident whilst on Overseas Trip /Trip.
The loss must occur within 12 (Twelve) months from the date of the Accident.
The Company will pay, the Sum Insured less any other amount paid/payable under Coverage:
Permanent Total Disability,Permanent Partial Disability, of this Policy, if these Coverages are
opted under this Policy, as a result of the same Accident.
Once a Claim has been accepted then this Coverage shall immediately and automatically cease in
respect of that Insured Person.
2.5 Permanent Total Disability
The Company will pay such percentage of Sum Insured if an Injury caused by an Accident, directly
and independently results in permanent total disability within twelve (12) months of the date of
Accident during the Overseas Trip / Trip.
Liability under this extension shall only be admissible provided
a. such Injury should result in at least one of the losses as shown in the Table of Losses-A below
b. for any Functional Loss such Functional Loss has continued for a period of twelve (12)
consecutive months and is total, continuous and permanent at the end of this period.
The Company will pay such percentage of Sum Insured less any other amount paid/payable under
Coverage: Permanent Partial Disability of this Policy, if these Coverages are offered under this
Policy, as a result of the same Accident.
Once a Claim has been accepted and 100% Sum Insured has been paid then this Coverage shall
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
immediately and automatically cease in respect of that Insured Person.
Table of Losses -A
Type of Permanent Total Disability -
% of Sum Insured (as
specified in Policy Schedule /
Certificate of Insurance)
Actual Loss by physical separation or Functional Loss of both Hands or
Both Feet
100%
Actual Loss by physical separation or Functional Loss of sight of Both
Eyes
100%
Actual Loss by physical separation or Functional Loss of one Hand and
One Foot
100%
Actual Loss by physical separation or Functional Loss of either Hand or
Foot and Sight of One Eye
100%
Loss of Speech and Hearing in Both Ears
100%
Actual Loss by physical separation or Functional Loss of either Hand or
Foot
50%
Loss of Sight of One Eye
50%
Loss of Speech
50%
Loss of Hearing in Both Ears
50%
Actual Loss by physical separation or Functional Loss of Thumb and
Index Finger of Same Hand
25%
Quadriplegia
100%
Paraplegia
100%
Hemiplegia
100%
Uniplegia
50%
a. The criteria for deciding Functional Loss of body part for the permanent total disability shall be
based on a certificate from treating medical practitioner’s certificate / disability certificate from civil
surgeon.
b. Functional Loss for the purposes of this Extension means Injury due to Accident leading to loss
and the total and permanent inability to perform all the usual and customary duties and activities
of a person of like age and sex.
c. “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.
(d) Speech or Hearing means entire and irrecoverable loss of speech or hearing of both ear
2.6 Personal Liability
Definitions specific to this coverage:
1. Third Party: means any individual other than Insured Person or his immediate Family Members
or his Travelling Companion or members of the Family which the Insured Person may be visiting
on an Overseas Trip.
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
Coverage:
Property Damage
The Company will reimburse up to The Company’s limit of liability for the Property Damages for which
Insured Person is legally liable whilst on an Overseas Trip. If a Claim is made and a suit is brought by a
Third Party against Insured Person for Property Damage caused by an occurrence to which this
coverage applies.
Medical Payment to Others
The Company will reimburse Medical Expenses that are incurred or medically ascertained within one (1)
year from the date of an Accident causing bodily Injury to a Third Party whilst on Overseas Trip for
which Insured Person is legally liable . This coverage applies only if the Bodily Injury is caused by
Insured Person’s activities.
Exclusions Specific to this coverage:
In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -
1. Liability which arises out of an intentional act of the Insured Person and the Insured Person had
prior knowledge of the consequences that may arise because of such act
2. Any liability Claim which is intimated or brought post twelve (12) months from the date of
occurrence of an event leading to a liability Claim.
3. Liability arising out of or in connection with a Business engaged in by Insured Person. 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.
4. Liability arising out of the rental or holding for rental of any part of any premises by Insured
Person.
5. Liability arising out of the Insured Person’s place of residence.
6. Liability arising out of the rendering of or failure to render professional services.
7. Liability arising out of a premise, watercraft or aircraft that is owned by, rented to or rented by
Insured Person.
8. Liability arising out of the ownership, maintenance, use, loading or unloading of motor vehicles,
all other motorized land conveyances, watercraft or aircraft.
9. Liability arising out of the transmission of a communicable Disease by Insured Person.
10. Liability arising out of sexual molestation, corporal punishment, or physical or mental abuse.
11. 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.
12. Liability under any contract or agreement.
13. Property damage to property owned by Insured Person.
14. Property damage to property rented to, occupied, or used by or in the care of Insured Person.
15. bodily Injury to any person eligible to receive any benefits voluntarily provided or required to be
provided by Insured Person under any worker’s compensation law, non-occupational disability
law or occupational Diseases law, or similar law.
16. Suits or legal actions arising from Insured Person’s Immediate Family Member or Traveling
Companion or Immediate Family Member of a Traveling Companion against Insured Person.
2.7 Loss of Passport
Definitions specific to this coverage:
1. Public Authority: means any governmental, quasi-governmental organization or any statutory
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
body or duly authorized organization with the power to enforce laws, and command, determine,
or judge.
Coverage:
The Company will reimburse expenses in connection with obtaining a duplicate or fresh Passport If the
Insured Person loses his passport whilst on an Overseas Trip.
Exclusions Specific to this coverage:
In addition to the General Exclusions listed in this Policy, this Coverage shall not cover: -
1. Loss arising from delay, detention or confiscation by customs officials, police or other
Public Authorities.
The Company’s liability under this Coverage shall not exceed INR 1000 in the event the Insured Person
is unable to provide Bills for issuance of new Passport subject to the Insured Person at least providing
proof of having applied for a duplicate Passport.
2.8 Trip Cancellation
Definitions specific to this coverage:
1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood
which causes widespread loss, damage, or disruption at locations which are forming part of the
trip.
2. Covered Expenses means Non-refundable travel ticket cost.
3. Public Authority: means any governmental, quasi-governmental organization or any statutory
body or duly authorized organization with the power to enforce laws, and command, determine,
or judge.
2. Strike: means any labor disagreement, which interferes with the normal departure and arrival
or departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant
authorities in the respective Usual Place of Residence.
Coverage:
The Company will reimburse Covered Expenses in the event of cancellation of Insured Person’s
Overseas Trip prior to commencement of such Overseas Trip due to: -
1. Illness and / or Injury requiring Hospitalisation or death of Insured Person, Insured Person’s
Traveling Companion, Insured Person’s Spouse and/or Parent and/or Child (ren), Insured
Person’s Traveling Companion's Spouse and/or Parent and/or Child (ren).
2. Occurrence of a Catastrophe.
3. Mass bandhs or widespread Strikes acknowledged / published by Public Authority, which the
Insured Person could not reasonably avoid or plan ahead in time.
4. Cancellation caused by Government regulations or control.
5. Cancellation by Common Carrier which was scheduled for departure for such Overseas Trip
Exclusions Specific to this coverage:
In addition to the General Exclusions listed in this Policy, this Coverage shall not cover: -
1. Any of the covered causes for Trip cancellation, which were known to Insured Person prior to the
booking date of Insured Person’s Overseas Trip or Policy issue date whichever is later.
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
2.9 Delay of Checked-in Baggage
Definitions specific to this coverage:
Checked-In Baggage means the baggage entrusted by Insured Person and accepted by Common
Carrier for Transportation for which a baggage receipt is issued to Insured Person. This also includes
the contents of the baggage checked in by Insured Person as long as such contents do not violate any
specific policy or rule restricting the nature of items that may be carrier on board in Common Carrier.
This shall exclude all the items that are carried / transported under a contract of affreightment.
Coverage:
The Company will pay a benefit amount if Insured Person’s Checked-in Baggage is delayed or
misdirected by Common Carrier for more than the number of consecutive hours as mentioned in the
Policy schedule/ Certificate of Insurance from the time Insured Person arrives at the destination stated
on his ticket during Insured Journey whilst on Trip / Overseas Trip.
Insured Person must be a ticketed passenger on the Common Carrier. All Claims must be verified by
the Common Carrier who must certify the delay or misdirection.
2.10 Loss of Checked-in Baggage
Definitions specific to this coverage:
Checked-In Baggage means the baggage entrusted by Insured Person and accepted by Common
Carrier for Transportation for which a baggage receipt is issued to Insured Person This also includes
the contents of the baggage checked in by Insured Person as long as such contents do not violate any
specific policy or rule restricting the nature of items that may be carrier on board in Common Carrier.
This shall exclude all the items that are carried / transported under a contract of affreightment.
Theft: means an act of illegally permanently depriving Insured Person and /or Insured Person’s
Immediate Family Member of the possession of the Contents by any person by violent or forceful
means or otherwise.
Public Authority: means any governmental, quasi-governmental organization or any statutory body
or duly authorized organization with the power to enforce laws, and command, determine, or judge.
Coverage:
The Company will reimburse non refundable cost of an entire piece of Checked-In Baggage and its
contents, held in the care, custody and control of the Common Carrier, due to Theft or misdirection by
the Common Carrier or due to non- delivery at its destination during Insured Journey whilst on Trip /
Overseas Trip. Insured Person must be a ticketed passenger on the Common Carrier.
The maximum amount to be reimbursed per bag and the maximum value per article contained in any
bag of the amount will be as stated in the Policy Schedule / Certificate of Insurance. A combined
maximum limit of 10% is applicable on jewelry, watches, articles consisting in whole or in part of silver,
gold or platinum, furs, articles trimmed with or made mostly of fur.
All Claims must be verified by the Common Carrier who must certify the loss. Benefits for Checked-in
Baggage and Personal Effects will be in excess of any amount paid or payable by the Common Carrier
responsible for the loss or any other valid and collectible insurance. If at the time of the occurrence of
any loss there is other valid and collectible insurance in place, the Company will be liable only for the
excess of the amount of loss, over the amount of such other insurance, and any applicable deductible.
In the event of same claim being admissible under both Coverages Delay of Checked-In Baggage and
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
Loss of Checked-In Baggage, the amount that has already been admitted / payable under this
Coverage Delay of Checked-In Baggage shall be deducted from the amount admissible / payable
underLoss of Checked-In Baggage.
Exclusions Specific to this coverage:
In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -
1. Loss to or destruction of the baggage arising from detention, confiscation or distribution by
customs, police or other public authorities.
2. Damage to the Baggage or partial loss of its contents.
3. Animals, motor vehicles (including accessories), motorcycles, boats, motors, any conveyance,
(except bicycles while checked as baggage with 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, valuables, 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.
4. Loss to property insured under any other insurance Policy.
5. Loss of Insured Person’s baggage sent in advance or souvenirs and articles mailed or shipped
separately.
2.11 Common Carrier Delay
Definitions specific to this coverage:
1. Equipment Failure: means any sudden, unforeseen breakdown in the Common Carrier's
equipment that caused a delay or interruption of normal trips.
2. Covered Expenses: means any expenses for meals and lodging which were necessarily incurred
and not provided by the Common Carrier or any other party free of charge. Such expenses
should be incurred in the place from where the Common Carrier is scheduled to depart from.
3. Inclement Weather: means any severe weather condition, which delays the scheduled arrival or
departure of the Common Carrier but not including normal, seasonal/climatic weather changes.
4. Public Authority: means any governmental, quasi-governmental organization or any statutory
body or duly authorized organization with the power to enforce laws, and command, determine,
or judge.
5. Strike: means any labor disagreement, which interferes with the normal departure and arrival or
departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant
authorities in the respective Usual Place of Residence.
Coverage:
The Company will reimburse Covered Expenses, if Insured Person’s Overseas Trip is delayed due to
late departure of a Common Carrier arising due to: -
a) Inclement weather
b) Strike or other job action by employees of Common Carrier
c) Equipment failure of Common Carrier
d) any order or direction by Government or Public Authority.
e) Operational reasons at the departure airport due to air traffic restrictions
f) Operational reasons of Common Carrier by which Insured Person is travelling outside India or
returning to India or travelling between any two international destinations.
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
Compensation for such delay shall be payable provided the actual departure of the Common Carrier
happens after the application of Time Deductible on the Scheduled Departure time.
2.12 Loss of Cash
Definitions specific to this coverage:
1. Checked-In Baggage means the baggage entrusted by Insured Person and accepted by
Common Carrier for Transportation for which a baggage receipt is issued to Insured Person.
This also includes the contents of the baggage checked in by Insured Person as long as such
contents do not violate any specific policy or rule restricting the nature of items that may be
carrier on board in Common Carrier. This shall exclude all the items that are carried /
transported under a contract of affreightment.
2. Contents: means the following not used for Business or Business Purposes, so long as they are
owned by Insured Person and/or his Family and are legally responsible for them:
a. Household goods, such as furniture, fixtures, fittings, Home appliances, interior decorations
and items of like nature excluding portable Electronic Equipment.
b. Personal effects such as clothes and other articles of personal nature likely to be worn, used
or carried but excluding deeds, bonds, bill of exchange, promissory notes, cheques, money,
jewellery and valuables, document of any kind, cash and currency notes.
3. Theft: means an act of illegally permanently depriving Insured Person and /or Insured
Person’s Immediate Family Member of the possession of the Contents by any person by
violent or forceful means or otherwise.
4. Burglary means an act involving the unauthorized and forcible entry to or exit from the Insured
Person’s Usual place of Residence with an intent of committing a Theft.
5. Electronic Equipment: shall mean any Laptop, Tablet, Mobile Phone or SLR / DSLR carried by
the Insured Person for personal and official use. However, accessories like Headphones,
Charger, Mouse, Stylus etc. shall be excluded from this definition.
6. Robbery: means the unlawful taking of the Insured Person’s property, by a person or person(s),
using violence or the threat of violence and who has/have caused or threatened physical harm
to the Insured Person, the Insured Person’s Spouse and/or Children.
Coverage:
The Company will indemnify the Insured Person for any loss of currency arising out of Theft,
Robbery or dacoity in relation to Insured Person during Overseas Trip.
The Company shall not be liable for:
a) Any loss which will be paid or refunded by the Common Carrier, hotel, agent or any other
provider of travel and/or accommodation.
b) Any loss of Valuables, any kinds of securities, traveller’s cheque or tickets.
c) Any loss of travel funds contained in Checked-in Baggage.
2.13 Trip Interruption
Definitions specific to this coverage:
1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood
which causes widespread loss, damage, or disruption at locations which are forming part of the
trip.
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
2. Covered Expenses means
Non refundable travel costs and / or accommodation costs
Additional accommodation necessarily incurred at the place of interruption and / or travel
expenses (excluding telephone costs, meals and beverages) necessarily incurred by the
Insured Person to return by the most direct and economical route possible to his Usual
Place of Residence, where Insured Person had started Overseas Trip/Trip.
3. Public Authority: means any governmental, quasi-governmental organization or any statutory
body or duly authorized organization with the power to enforce laws, and command, determine,
or judge.
4. Strike: means any labor disagreement, which interferes with the normal departure and arrival or
departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant
authorities in the respective Usual Place of Residence.
Coverage:
The Company will reimburse the Covered Expenses following shortening and / or alteration of the
Overseas Trip/Trip Interruption due to: -
1. Illness and / or Injury requiring Hospitalisation or death of Insured Person or Insured
Person’s Traveling Companion or Insured Person’s Spouse and/or Parent and/or Child
(ren), Insured Person’s Traveling Companion's Spouse and/or Parent and/or Child (ren)
during the Trip.
2. Occurrence of Catastrophe.
3. Mass bandhs or widespread Strikes acknowledged / published by Public Authority which the
Insured Person could not reasonably avoid or plan ahead in time.
Exclusions Specific to this coverage:
In addition to the General Exclusions listed in this Policy, this Coverage shall not cover: -
1. Any facts or matters which led to delay or which was publicly announced in advance, which
the Insured Person was aware or should have been aware.
2.14: Bounced Booking of Accommodation
Definitions specific to this coverage:
Covered Expenses: means the difference of cost for an alternate accommodation incurred by the
Insured Person for lodging in a similar room type and accommodation at the same location
coinciding with the same time period for which the Original booking was done. Such Covered
expenses shall also cover reasonable and necessary Transportation expense incurred to reach
alternate accommodation from the Original accommodation booked.
Coverage:
The Company will reimburse Covered Expenses as mentioned in Policy Schedule / Certificate of
Insurance if the Insured Person is denied a check-in in the accommodation, during Overseas Trip, in
which the Insured Person had done a confirmed reservation prior to the check-in date, provided that:
-
1. The Insured Person should have reached the accommodation for check-in within the stipulated
hours as per the rules and regulations of the place of accommodation.
2. The Insured Person should be carrying all requisite documents required to be produced at the
time of check-in
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
3. The Insured Person should have provided sufficient financial guarantee / advance required at the
time of booking / check-in.
4. Insured Person should not pose any health, safety or security risk for the accommodation.
5. Not more than one Claim will be accepted under this Coverage.
Exclusions Specific to this coverage:
In addition to the General Exclusions listed in this Policy this coverage shall not cover any Claim
arising out of the following under this Coverage: -
1. Any booking for which Insured Person is unable to furnish proof of booking/payment, and
bounced booking.
2. Any contractual breach by Insured Person including but not limited to non-adherence to the
terms and conditions of the booking service provider.
3. If Insured Person had any waitlisted booking irrespective of whether such bookings have been
promised to be confirmed later.
4. Where the alternative arrangements for accommodation is provided by accommodation
provider within reasonable time period of commencement of stay covered by the earlier
confirmed accommodation booking.
2.15 Pandemic Cover
The Company will pay a fixed amount in the event the Insured Person whilst on an Overseas Trip is
diagnosed with the same Illness which has been declared as a pandemic as at a Phase 4 or higher
level by the World Health Organization.
2.16 Adventure Sports Cover
Definitions specific to this Cover
1. Adventure Sports means Recreational activities perceived as involving a high degree of risk.
These activities involve either or speed, height, a high level of physical exertion, and highly
specialized gear.
Coverage
If the Insured Person participates in Adventure Sports performed under expert supervision of
trained professionals whilst on an Overseas Trip, the Company will pay / reimburse for a Claim
arising out of an Injury during participation in such Adventure Sports under the following coverages
whichever have been opted under this Policy Schedule /Certificate of Insurance
Admissibility and assessment of Claim arising out of Adventure Sports shall be as per the terms,
conditions and limits as applicable to the above-named coverages
Coverage is exclusively for non- professional activities, wherein the Insured Person engages in
Adventure Sports only for leisure.
2.17 Home Content Burglary
Definition specific to this Coverage
1. Contents: means the following not used for Business or Business Purposes, so long as they are
owned by Insured Person and/or his Family and are legally responsible for them:
a. Household goods, such as furniture, fixtures, fittings, Home appliances, interior
decorations and items of like nature excluding portable Electronic Equipment.
b. Personal effects such as clothes and other articles of personal nature likely to be
worn, used or carried but excluding deeds, bonds, bill of exchange, promissory notes,
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
cheques, money, jewellery and valuables, document of any kind, cash and currency notes.
2. Theft: means an act of illegally permanently depriving Insured Person and /or Insured Person’s
Immediate Family Member of the possession of the Contents by any person by violent or
forceful means or otherwise.
3. Burglary means an act involving the unauthorized and forcible entry to or exit from the Insured
Person’s Usual place of Residence with an intent of committing a Theft.
4. Domestic Staff: means any person employed by Insured Person solely to carry out domestic
duties associated with Insured Person’s Usual Place of Residence but does not include any
person employed in any capacity in connection with any Business, trade or profession.
5. Electronic Equipment: shall mean any Laptop, Tablet, Mobile Phone or SLR / DSLR carried by the
Insured Person for personal and official use. However, accessories like Headphones, Charger,
Mouse, Stylus etc. shall be excluded from this definition.
6. Kutcha Construction: means buildings having walls and/or roofs of wooden planks, thatched
leaves, grass, bamboo, plastic, cloth, asphalt, canvas, tarpaulin or the like.
7. Robbery: means the unlawful taking of the Insured Person’s property, by a person or person(s),
using violence or the threat of violence and who has/have caused or threatened physical harm to
the Insured Person, the Insured Person’s Spouse and/or Children.
Coverage
The Company will reimburse the loss and/or damage caused to the Contents of the Insured
Person’s Usual Place of Residence due to Burglary or attempted Burglary or Robbery while the
Insured Person is on an Overseas Trip. Liability of The Company under this Coverage for any
single item shall not exceed 20% of the Sum Insured.
Loss incurred will be payable in the following manner: -
In the event of a total loss of an item The Company shall be liable to pay lower of, the Replacement
cost of the item (or, if not readily available, then an item of equivalent but not better quality) or the
purchase value, less depreciation applicable as per the table give below.
Age of the Content
Depreciation %
0 – 1 Year
20%
1 – 2 Year
35%
2 – 3 Year
50%
3 – 4 Year
70%
> 4 Years
80%
In the event of partial loss of an item on account of any damage, The Company shall be liable to pay
the cost of repair or refurbishment. However, the liability of The Company under partial loss shall
not exceed the amount it would have paid in case such an item was a total loss.
2.18 Missed Connection
Definitions specific to this coverage:
1. Covered Expenses: means the cost of alternate flight, for an equivalent or lower-class air ticket net
of refundable amount received from missed flight
Coverage:
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
The Company will reimburse Covered Expenses arising out of missed connection during Trip. This
missed flight should be solely due to delay / cancellation of the flight in which the Insured Person is
travelling immediately prior to the missed flight and time gap between the Scheduled arrival of the
previous flight and the Scheduled departure of the missed flight is more than
· three (3) hours - in case of Domestic - International Flight while travelling Overseas & vice
versa
· two (2) hours – in case of Domestic - Domestic flight within the same country.
In the event, the Insured Person chooses a mode other than a flight to reach the next schedule
destination then The Company will reimburse up to the amount not exceeding the original cost of
flight less the refund received.
Exclusions Specific to this coverage:
In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -
1. If Insured Person and/or his Family and/or Domestic Staff are in any way involved in concerned
or with the actual or attempted Burglary.
2. Kutcha Construction.
3. 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
4. Consequential Loss or legal liability of any kind.
5. Loss, destruction, Theft, Burglary or damage to portable Electronic Equipment.
6. Loss or damage caused by use of key in Usual Place of Residence or any duplicate thereof
belonging to Insured Person, unless such key has been obtained by assault or violence or any
thereat thereof.
7. Loss, destruction or damage to any electrical machine, apparatus, fixture or fitting arising from or
occasioned by over running, excessive pressure, short circuiting, arcing self-heating or leakage of
electricity.
2.19 Loss of International Driving License:
Definitions specific to this coverage:
1. Public Authority: means any governmental, quasi-governmental organization or any statutory
body or duly authorized organization with the power to enforce laws, and command, determine,
or judge.
Coverage:
The Company will reimburse expenses in connection with obtaining a duplicate International driving
License either overseas or within 30 days upon return to India, if the Insured Person’s loses his
International Driving License whilst on an Overseas Trip.
The Company’s liability under this Coverage shall not exceed INR 1000 in the event the Insured
Person is unable to provide Bills for issuance of new International Driving License subject to the
Insured Person at least providing proof of having applied for a duplicate International Driving
License.
Exclusions Specific to this coverage:
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
In addition to the General Exclusions listed in this Policy, this Coverage shall not cover: -
1. Loss arising from delay, detention or confiscation by customs officials, police or other Public
Authorities.
Claims documentation specific to this Coverage:
Below is a general check-list of documents. The Company may call for additional documents/
information as relevant. This should be read in conjunction with Policy Wordings - Section 5, Claim
procedure and Documents
1. Claim form duly completed and signed by Insured Person.
2. Copy of passport/Visa with Entry & exit stamp.
3. Copy of cancelled cheque/NEFT form.
4. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking
5. Copy of duplicate/new Driving License.
6. Copy of previous License (if available).
7. Original bills/invoices of expenses incurred for obtaining a new Driving License.
8. Copy of FIR/ Police Report.
2.20 Electronic Equipment Cover:
Definition specific to this Coverage
1.Contents: means the following not used for Business or Business Purposes, so long as they are
owned by Insured Person and/or his Family and are legally responsible for them:
a) Household goods, such as furniture, fixtures, fittings, Home appliances, interior decorations
and items of like nature excluding portable Electronic Equipment.
b) Personal effects such as clothes and other articles of personal nature likely to be worn, used
or carried but excluding deeds, bonds, bill of exchange, promissory notes, cheques, money,
jewellery and valuables, document of any kind, cash and currency notes.
2.Theft: means an act of illegally permanently depriving Insured Person and /or Insured Person’s
Immediate Family Member of the possession of the Contents by any person by violent or
forceful means or otherwise.
3.Burglary means an act involving the unauthorized and forcible entry to or exit from the Insured
Person’s Usual place of Residence with an intent of committing a Theft.
4.Electronic Equipment: shall mean any Laptop, Tablet, Mobile Phone or SLR / DSLR carried by the
Insured Person for personal and official use. However, accessories like Headphones, Charger,
Mouse, Stylus etc. shall be excluded from this definition
5. Public Authority: means any governmental, quasi-governmental organization or any statutory
body or duly authorized organization with the power to enforce laws, and command, determine, or
judge.
Coverage
The Company will reimburse for loss incurred by the Insured Person arising out of Theft or
accidental damage of the portable Electronic equipment, whilst on Overseas Trip during the Policy
/ Cover period, provided that the liability of The Company shall in no case exceed the sub-limit of
each item subject to the aggregate liability under this cover as specified in the Policy Schedule /
Certificate of Insurance.
The Sublimit for each item will be 25% of the aggregate liability of this coverage.
Loss incurred will be payable in the following manner: -
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
a) In the event of a total loss of an item The Company shall be liable to pay lower of, the
Replacement cost of the item (or, if not readily available, then an item of equivalent but not
better quality) or the purchase value, less depreciation applicable as per the table give below.
Age of the Equipment
Depreciation %
0 – 6 months
30%
6 – 12 months
45%
12 – 18 months
60%
18 > months
75%
b) In the event of partial loss of an item on account of any damage, The Company shall be liable
to pay the Cost of repair or refurbishment. However, the liability of The Company under
partial loss shall not exceed the amount it would have paid in case such an item was a total
loss.
Exclusions Specific to this coverage:
In addition to the General Exclusions listed in this Policy, this Coverage shall not cover: -
1. Expenses for any loss or destruction, which will be paid or refunded by the Common Carrier,
hotel, agent or any other provider of travel and/or accommodation.
2. Expenses for any loss of stored data or re-creation of such stored data.
3. Expenses for any loss, damage of Portable Electronic Equipment caused due to the Insured
Person’s fault (willful negligence on behalf of the user).
4. Expenses for any actual or alleged loss or destruction arising from detention, confiscation or
distribution by customs, police or other Public Authorities.
5. General wear and tear
6. Consequential Loss or legal liability of any kind.
7. Manufacturing defects and or Pre-Existing defects
8. Functional Failure which is covered under extended warranty.
9. Climatic Conditions and maintenance Cost
10. Any functioning or malfunctioning of the internet or similar facility, or of any intranet or private
network or similar facility,
11. Any corruption, destruction, distortion, erasure or other loss or damage to data, software, or and
kind of programming or instruction set.
12. Loss of use or functionality whether partial or entire of data, coding, program, software, any
computer or computer system or other device dependent upon any microchip or embedded logic,
and any ensuing liability or failure of the Insured Person to conduct business. This shall not
exclude subsequent damage not otherwise excluded which itself results from an insured peril
13. Loss or damage due to misplacement, misuse, reckless, abusive, willful or intentional conduct
associated with handling and use of the covered item.
14. Any cosmetic loss or damage including but not limited to scratches and dents that do not
otherwise affect the functionality of the covered item.
15. Loss or damage arising out of the misuse of or use other than in accordance with manufacturer’s
recommendation of, or use of any accessory which has not been approved by the manufacturer
with the insured appliances
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
STANDARD EXCLUSIONS:-
The Company will not be liable to make any payment for any Claim under the Policy in respect of an
Insured Person, caused by, arising from or in any way attributable to any of the following:
1. The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear
equipment or any part of that equipment.
2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any
nuclear waste from burning nuclear fuel
3. Losses due to war or any act of war, invasion, act of foreign enemy, civil war, public
defense, rebellion, revolution, insurrection, military or usurped acts, nuclear
weapons/materials, Chemical and biological weapons, Ionizing radiation.
4. Where the Insured Person is travelling against the advice of a Medical Practitioner; 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.
5. Any Claim occurring in a geographic zone/country which is not specifically covered
under the Policy and is not mentioned in the Policy Schedule/ Certificate of Insurance
6. Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury
or Illness.
7. Certification / diagnosis / Treatment by a family member, or a person who stays with the
Insured Person, or from persons not registered as Medical Practitioners under the
respective Medical Councils, or from a Medical Practitioner who is practicing outside the
discipline that he is licensed for, or any diagnosis.
8. Treatment that is not scientifically recognised or Unproven/Experimental treatment, or
any form of clinical trials or any kind of self-medication and its complications.
9. Rest or recuperation at a spa or health resort, sanatorium, convalescence home or
institution.
10. Any expenses incurred in connection to Treatment for general debility, ageing,
convalescence, sanatorium Treatment, rehabilitation measures, private duty nursing,
respite care, health resort, rundown condition or rest cure.
11. Circumcision unless necessary for Treatment of an Illness or Injury not excluded
hereunder or due to an Accident.
12. Associated expenses for alopecia, baldness, wigs, or toupees and hair fall treatment and
products, issue of medical certificates and examinations as to suitability for employment
or travel.
13. Any injury, Accident, illness or any other loss sustained or contracted or caused by the
Insured Person as a consequence of the Insured Person being intoxicated or being under
the influence of any narcotic or drug or alcohol.
14. Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil
commotion.
15. Operating or learning to operate any aircraft or performing duties as a member of the
crew on any aircraft or Scheduled Airline.
16. Any loss due to the release, dispersal or application of pathogenic or poisonous
biological or chemical materials.
17. External Congenital anomalies or any complications or conditions arising there from.
18. Any Insured Person’s participation in Adventure sports without expert supervision of
trained professional or participation in Professional Sports
19. Insured Person’s actual or willful participation in, an illegal act or any violation or
attempted violation of the law.
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 (For Senior
Citizens) ,Fax: 022 6693 8170 Email: customersupport@tataaig.com • Website: www.tataaig.com
IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425 UIN: TATTGOP21014V012021
20. Any loss caused by osteoporosis (porosity and brittleness of the bones due to loss of
protein form the bones matrix) or pathological fracture f osteoporosis or bone Disease
diagnosed prior to the Policy / Cover Period.
21. Confinement in a Hospital which is not medically necessary..
22. In respect of travel by the Insured Person to any country against whom the Republic of
India has imposed general or special travel restrictions, or against whom it may be
imposed such restrictions, or any country which has imposed or may impose
subsequently, such restrictions against travel by a citizen of the Republic of India to such
country.
23. All sexually transmitted diseases including Genital Warts, Syphilis, Gonorrhoea, Genital
Herpes, Chlamydia, Pubic Lice and Trichomoniasis and any condition caused by or
associated with them
Claim Intimation details
A. Intimation & Assistance
Insured Person can notify a Claim(for Reimbursement claims) by:
Visit our website :www.tataaig.com OR Email at customersupport@tataaig.com OR Call our
24x7 toll free helpline 1800-266-7780 (Accessible from all lines) OR 1800-22-9966 (Accessible
from BSNL/MTNL Lines)
24-hour Assistance Contact:
1. For the Americas Policies: Please call: +1-833-440-1575 (Tollfree within US and Canada)
Email - tata.aig@europ-assistance.in
2. For rest of the world policies excluding the Americas: Call: +91 – 022 68227600 (Call back
facility Available) Email - ea.tataclaims@europ-assistance.in
The Company’s Service Center is equipped to provide Insured Person with the necessary
guidance in Insured Person ‘s situation and will direct Insured Person on Claims
procedure
