Travel Guard Plus

POLICY SCHEDULE
Agent/ Intermediary name: POLICYBAZAAR INSURANCE BROKERS Policy Issuing Office : DELHI
PRIVATE LIMITED
Policy Servicing Office: DELHI
Agent/Intermediary code/ License Number: 1827240000
Agent/Intermediary Contact No.: 18002585970 Proposal No: PR/25/7100064397

Policyholder name: Mr Harpreet Singh Policy Number: 7102238682

Address: HNO 3374 MAIN ROAD HARI SINGH Purpose of Trip: Personal
COLONY NOORWALA, PAINIPAT,
PANIPAT, HARYANA, India, 132103 For policy details, Please
scan the QR code

Trip Duration: 16 Type of Policy: Single Trip

Maximum No. of Trip days:
Visa Type: Non Immigrant
Zone of visit: Schengen Countries of visit: CZECH REPUBLIC
Flight Details: Customer GSTIN No:
Plan Opted: Schengen -Gold Sublimit: Without Sublimit
Policyholder E-mail id: har******@outlook.com Policyholder Contact No: 90**50**15
Number of Insured Person(s): 1 Policy Issue Date : 07/02/2025
Type of Cover: Individual
Policy Period Start Date : 10/03/2025 Policy Period End Date : 25/03/2025

INSURED PERSON'S DETAILS :

Relation Pre-Existing Pre-existing Suffering since(if yes

Sr Passport
Name Sex DOB Age with Condition Conditions (If to Pre-existing
No. No.
Proposer (YES/No) yes) Conditions)
1 Mr Harpreet Singh Male 03/02/2001 24 X4357976 No

Nominee Details

In the event of the Death of the Proposer any payment due under the Policy shall become payable to the nominee in accordance with the Policy terms and
conditions. The nominee preferably should be an immediate relative of the Insured Person. The nominee for all other Insured Persons proposed to be
Insured Persons shall be the Applicant himself/herself unless declared otherwise
Nominee Name Date of Birth Relationship with the Proposer Address of the Nominee
Sahib Singh Father

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 1 of 20
 Travel Guard Plus

SCHEDULE OF BENEFITS:

Coverages Sum Insured Deductible

Medical Expenses- Injury and / or Illness Unlimited Sum Insured with USD 2,50,000
per incident\loss, arising out of the same
illness/injury. Maximum liability - PED upto
USD 10,000 Sum insured- life threatening USD 100
conditions
Emergency Medical Evacuation Upto Section - Medical Expenses- Injury and
/ or Illness Sum Insured
Repatriation of Mortal Remains 25% of Section - Medical Expenses- Injury
and / or Illness Sum Insured (over and
above)
Accidental Death & Disablement(Overseas) AD:USD 15,000, Disablement:USD 15,000,
Total -USD 15,000
Emergency Medical Dental Expenses USD 500 USD 50
Delay of Checked-in Baggage 4 hours delay : USD 45
Loss of Checked-in Baggage USD 300
Loss of Passport USD 250 USD 25
Personal Liability USD 2,00,000 USD 200
Flight Delay 4 hours delay : USD 45 For all overseas
flights taken during Insured Trip
Trip Curtailment USD 750 USD 75
Trip Cancellation USD 750 USD 50
Missed Flight/Connection USD 500
Bounced Hotel / Airline booking USD 750 USD 75
Fraudulent Charges Per Occurrence Limit : USD 500; Aggregate
Limit: USD 1000
Emergency Extension of the Policy 7 days
Home Content Burglary (In Rs.) INR 1,50,000 INR 5,000
Hijack/Kidnap Daily Allowance USD 100(Per 12 hours max 10 days)
Accommodation Extension USD 300 per day Max upto 10 days
Loss of International driving license USD 100
Flight Cancellation USD 75
Loss of Personal Baggage USD 200 USD 30
Personal Accident in India (in INR) INR 15,00,000

Premium Details
Gross Premium (pre-tax) - Base Plan 1023.3
Total Premium (pre-tax) before discount(s) 1023.3
Final Premium (pre-tax) 1023.3
IGST (18%) 184.2
Final Premium (post-tax) 1207

Conditions/Sublimits (if any):

For full Terms and Conditions please refer to our Policy Wordings on our website www.tataaig.com.
Smart Payment (Flight Delay and Flight Cancellation) - Applicable
As per benefit and add on and premium as received by Company The Coverage available under the Policy is as mentioned in this Policy Schedule.
Cashless Settlements for Inpatient Treatment Abroad.
Reimbursement for outpatient medical expenses and travel emergencies.

Special Conditions (if any):

TATA AIG General Insurance Co. Ltd. has partnered with Onarrival Travel Technology Private Limited for assistance in claim service to our
policyholders”

Assistance Company Details: Europ Assistance India Pvt. Ltd

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 2 of 20
 Travel Guard Plus

Claims Administrators Details:

US Medical Claims (For Providers

For Cashless claims (For Insured only) For Reimbursement Claims (For Insured Only)
Only)
Customers calling from USA/Canada: Claims Department : Plan Type : Schengen -Gold
Please call: +1-833-440-1575 (Tollfree within US TATA AIG General Insurance Company Ltd. Policy Certificate No.: 7102238682
and Canada)
Email : tata.aig@europ-assistance.in 7th and 8th Floor, Romell Tech Park, Cama Industrial
Estate, Western Express Highway, Goregaon (E), Mumbai,
Maharashtra 400063.
Mail Medical Claims to the below
address:
Customers calling from countries other than Visit our website : www.tataaig.com OR Europ Assistance India Pvt. Ltd.,
USA/Canada & India: Star Hub Building number 2, Floor
7, Near ITC Maratha, Andheri E
Mumbai – 400 059
Please Call : +91 - 22 68227600 (Call back facility Email at customersupport@tataaig.com Please call : +1-833-440- 1575
Available) (Tollfree within US and Canada)
Email : ea.tataclaims@europ-assistance.in OR Email id : tata.aig@europ-
assistance.in
Customers calling from India:
Please call our toll free helpline number 1800-266-7780
(24x7).

OR 1800-22-9966 (Accessible from BSNL/MTNL Lines)

For Customers calling from outside India:
Please Call : +91 22 66939500

GSTIN : 07AABCT3518Q1ZY - DELHI

Service Accounting Code : 9971
Policy servicing address : AGGARWAL PRESTIGE TOWER 3RD FLOOR,,PLOT NO-2,ROAD NO. 44, MAIN ROAD,,PITAMPURA - 110034, NEW
DELHI,7400010485,110034,DELHI

Policy Servicing/Grievances/Complaints:
The Company is committed to extend the best possible services to its customers. However, if you are not satisfied with our services and wish to lodge a
complaint / claim, please feel free to call our 24X7 Toll free number 1800-266-7780 or you may email to the customer service desk at
customersupport@tataaig.com.. Senior citizens can call our dedicated line at 1800 22 9966. Please refer The Company’s website for the detailed grievance
redressal policy.
Prohibition of Rebates – Section 41 of Insurance Act, 1938 as amended by Insurance Laws I (Amendment) Act, 2015.

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 prospectuses or tables of the insurer
Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read policy wordings
carefully before concluding a sale.
For Tata AIG General Insurance Company Limited
Digitally Signed by: Shammi Kapoor
docit-digital-sign
Date: 07/02/2025
Location: Mumbai

Place: DELHI

Stamp Duty Registration Details :

Consolidated Stamp Duty has been paid to the State Exchequer

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 3 of 20
 Travel Guard Plus

Policy / Schedule No. : 7102238682 Date Issued : 07/02/2025

Coverage of COVID - 19

With reference to outbreak of COVID – 19, we wish to bring it to the notice of our Overseas Travel Insurance Customers, Intermediaries, Embassies and
Consulates that this policy offers coverage towards Medical expenses related to COVID – 19 , subject to policy terms and conditions.

Coverage for medical expenses is available up to the limits mentioned in the Policy Schedule for expenses incurred due to sudden and unexpected sickness or
accident arising when insured is outside the Republic of India. Policy wordings can be referred for detailed terms and & conditions.

Sum Insured : $250000 per person (Sum Insured as per the plan opted)

Insured Name-1 : Mr Harpreet Singh

Please get in touch with our Customer Support team at www.customersupport@tataaig.com or call us at 1800 266 7780 for any clarifications/queries.

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 4 of 20
 Travel Guard Plus

PROPOSAL FORM
(Please write in BLOCK letters and use black ink. To help us serve you better, kindly ensure that the form is completely filled.)

POS PAN no.*: Proposal form No. : PR/25/7100064397

(Mandatory for POS Agents, wherever applicable)
Branch/office Code: 90100
Policy Issuing Office: DELHI Policy Servicing Office: DELHI
Agent/ Intermediary Name: POLICYBAZAAR INSURANCE BROKERS PRIVATE
LIMITED
Agent/Intermediary Code : 1827240000 Agent/Intermediary Contact No: 18002585970

Proposal Form:

1. This is an application for insurance and issuance of this does not amount to acceptance of Proposal by Us. Commencement of Risk under this Proposal is
subject to acceptance of risk and receipt of Premium by Us.
2. The information declared by You in this form is the basis for issuance of the Policy.
3. Please answer all questions carefully. Any incomplete, incorrect or partially correct answers may lead to rejection of the proposal form and also might lead
to cancellation of the Policy.

PROPOSER DETAILS

Name of the Proposer: Mr Harpreet Singh

Date Of Birth: 03/02/2001 Gender: Male
PAN Card No: NCEPS9880M
Residential Address: HNO 3374 MAIN ROAD HARI SINGH COLONY NOORWALA, PAINIPAT, PANIPAT, HARYANA
Pincode: 132103 Tel. With area code in India:
While Overseas:
Email: har******@outlook.com
Are you a TATA Employee, If so Employee number:
Do / Did you have any Health or Motor Policy with us in the immediately preceding one year*. If so, please provide policy
number and policy period for Loyalty Discount:
Source of funds: Salaried Business If others, please specify details:
Travel Details Purpose of visit: Personal Business

Trip is: Worldwide Worldwide Excluding USA and Canada Schengen countries
Country(ies) of Visit: CZECH REPUBLIC
Departure from India: 10/03/2025 Return to India: 25/03/2025
Flight Details:

Details of Persons proposed for Insurance:

Suffering
Pre- Pre-
Aadhar Relation since(if yes
Sr Passport Existing existing Residential
Name Sex DOB Card/PAN with to Pre- Plan
No. No. Condition Conditions Address
Card Details Proposer existing
(YES/No) (If yes)
Conditions)
1 Mr Harpreet Male 03/02/2001 X4357976 NCEPS9880M No Schengen
Singh -Gold

Do you want Physical Copy of this Policy document? No

Nominee Details

In the event of the Death of the Proposer any payment due under the Policy shall become payable to the nominee in accordance with the Policy terms and
conditions. The nominee preferably should be an immediate relative of the Insured Person. The nominee for all other Insured Persons proposed to be
Insured Persons shall be the Applicant himself/herself unless declared otherwise

Nominee Name DOB Relationship with the Proposer Address of the Nominee
Sahib Singh Father

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 5 of 20
 Travel Guard Plus

Note:
Please note the following.

The Sublimits are applicable for the Age of 56 years onwards as per table below. You can opt for plans with no Sublimits (Except Titanium and Titanium
Plus) by paying additional premium.
The Sublimits are applicable for same illness/injury in case of Hospitalisation, Day Care Treatment and OPD treatment
The Sublimits under this benefit are not applicable for plans of Schengen Countries (plans where Schengen Countries are mentioned in Geographical
Scope)
Plan -
a. Individual / Family
1. The maximum persons that may be covered under a Policy shall be 6.
2. Family means the Insured Person and/or the Insured Person’s Spouse and/or, the Insured Person’s Eligible Children and/or, Insured Person’s pare
and parents-in-law.
3. ligible Children refer to named dependent children including adopted and step children of the Insured Person between Ages three (3) months and
twenty five (25) years who are unmarried, who permanently reside with the Insured Person, and receive the majority of maintenance and support
from the Insured Person
b. Single Trip / Annual Multi Trip: Single Trip
If Multi-Trip, please provide No of days required (30/45/60/90/120/150/180 days) Days
c. With sub-limits / Without sub-limits: Without Sublimit
d. Plan required: Schengen -Gold Silver/ Silver Plus/ Silver Plus – Plan A / Silver Plus – Plan B/Gold/ Gold – Plan A / Gold – Plan B/ Platinum/ Platinum – Plan
A / Platinum – Plan B/ Titanium / Titanium Plus / Instant Gratification / Copper / Senior/ Senior Plus/ Super Senior*
e. Add-on Bundle: (You can opt one or more as per requirement)*
f. Optional Assistance Services: Yes No

*For more details on the Plans please refer Annexure 1 below.

Proposer's Bank Deatils

Name of the Bank Account Holder: Mr Harpreet Singh

Bank Account No. &Account Type:

Name of the Bank:
Branch
MICR Code :
(9 digit MICR code number of the bank and branch appearing on the cheque issued by the bank)
IFSC Code:
(11 character code appearing on your cheque leaf)
(I understand that any refund due on the premium payment to be directly credited to my aforesaid Bank Account.)

Premium Payment Details:

Payment by: OnlinePayment

Amount: 1207
(Amount in words: One Thousand Two Hundred Seven )
Bank Name: HSBC BANK
Cheque No./DD No.
Name of the Cardholder
Cheque/DD date: 2025-02-07 07:26:30
Name of the Premium Payer: HARPREET SINGH
Details of NEFT/IMPS/UPI/Wallet OnlinePayment

In case of payment made through Cheque/DD then please issue an A/c payee instrument in favour of “Tata AIG General Insurance Company Limited”
If the premium cheque is not paid from the above mentioned account, then a cancelled cheque leaf of the above mentioned Account is to be attached.
#Mandatory if annualized premium is more than Rs 10,000

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 6 of 20
 Travel Guard Plus

Declaration & Warranty on behalf of all persons proposed to be insured

I hereby declare, on my behalf and on behalf of all persons proposed to be insured, that the above statements, answers and/or particulars given by me are
true and complete in all respects to the best of my knowledge and that I am authorised to propose on behalf of these other persons.
I understand that the information provided by me will form the basis of the insurance policy, is subject to the Board approved underwriting policy of the
insurance company and that the policy will come into force only after full receipt of the premium chargeable
I further declare that I will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the proposal
has been submitted but before communication of the risk acceptance by the company.
I declare that I consent to the company seeking medical information from any doctor or hospital who/which at any time has attended on the person to be
insured/proposer or from any past or present employer concerning anything which affects the physical or mental health of the person to be
insured/proposer and seeking information from any insurer to whom an application for insurance on the person to be insured /proposer has been made
for the purpose of underwriting the proposal and/or claim settlement.
I/We authorize the company to share information/data/details provided by me to any other person in connection with the proposal for the sole purpose of
underwriting, Policy servicing and/or claims servicing & settlement.

The content of this form along with product benefits, terms/conditions and exclusions have been clearly explained to me. I have understood these and
confirm to abide by the policy terms & conditions.

Signature of the Proposer: Mr Harpreet Singh

Name & Signature of agent/intermediary: POLICYBAZAAR INSURANCE Code: 1827240000

BROKERS PRIVATE LIMITED

Vernacular Declaration (Certification in case the proposer has signed in vernacular/thumb print)

The content of this form along with product benefits, terms/conditions and exclusions have been clearly explained by me in vernacular to the proposer who
has understood and confirmed the same

Signature/Thumb impression of the Proposer: Mr Harpreet Singh

Name & Signature of agent/intermediary: POLICYBAZAAR INSURANCE

BROKERS PRIVATE LIMITED

AML Guidelines:

1. I/we hereby confirm that all premiums paid / payable in future will be from bonafide sources and not paid out of proceeds of crime and that such
premiums are not disproportionate to my/our income. I / we understand that the Company has the right to call for documents to establish sources of
funds and to cancel the insurance policy in case I / we are found guilty by any competent court of law under any of the statutes, directly or indirectly
governing the prevention of money laundering law in India.
2. I / we are not Politically Exposed Persons * nor are their close relatives / family members / associates. I / we shall keep the company informed if we
subsequently become a Politically Exposed Person / close relative / family member / associate of Politically Exposed Persons.

“Politically Exposed Persons” shall have the meaning assigned to it under Prevention of Money-Laundering (Maintenance of Records) Amendment Rules, 2023
as amended from time to time.

Nationality: Indian Non-Indian; If Non-Indian, please specify Country: NA

Type of Organization making the payment (Please tick)

Limited Company Government organization Non-Governmental Organization (NGO) Society Trust

Partnership International Organization Cooperatives Section 25 Company

Additional Information
(If there is insufficient space to provide additional relevant information, whether as requested or otherwise, please attach extra sheet duly signed.)
Signature of Proposer: Mr Harpreet Singh Date: 07/02/2025

Agent Declaration

I, POLICYBAZAAR INSURANCE BROKERS PRIVATE LIMITED (Full Name) in my capacity as an Insurance Advisor/ Specified Person of the Corporate
Agent/Authorized employee of the Broker/Relationship Officer, do hereby declare that I have explained all the contents of this Proposal Form, including the
nature of the questions contained in this Proposal Form to the Proposer including statement(s), information and response(s) submitted by him/her in this
Proposal Form to questions contained herein or any details sought herein will form the basis of the Contract of Insurance between the Company and the
Proposer, if this Proposal is accepted by the Company for issuance of the Policy. I have further explained that if any untrue statement(s)/
information/response(s) is/are contained in this Proposal Form/including addendum(s), affidavits, statements, submissions, furnished/to be furnished, the
Company shall have the right to vary the benefits which may be payable and further more if there has been a non-disclosure of any material fact, the policy
issued to his/her favor pursuant to this Proposal may be treated by the Company as null and void and all premiums paid under the Policy may be forfeited to
the company. License No. (Intermediary/Corporate Agent/Broker/Relationship Officer)

Name of the specified Person and code: POLICYBAZAAR INSURANCE BROKERS PRIVATE LIMITED & 18002585970

Place: DELHI Date: 07/02/2025

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 7 of 20
 Travel Guard Plus

Signature of Intermediary: POLICYBAZAAR INSURANCE BROKERS PRIVATE LIMITED

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 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

Disclaimer

Commencement of risk cover under the policy is subject to receipt of premium by Tata AIG General Insurance Company Limited.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms & conditions, please read the policy wordings
carefully, before concluding a sale.

ACKNOWLEDGEMENT (TO BE GIVEN TO CUSTOMER)

Application Number: Date: 07/02/2025

Name of the Proposer: Mr Harpreet Singh

We acknowledge with thanks the receipt of your application for TRAVEL GUARD PLUS, TATA AIG General Insurance Company Limited and amount by cash /
cheque / Demand Draft / others OnlinePayment of amount of Rs. 1207 Neither the submission to us of the proposal form nor any payment towards this
proposal form obliges us to agree to issue a policy, which decision is and always shall be in our sole and absolute discretion. If we accept a proposal form for
insurance, it shall be subject to the policy terms and conditions and the risk commencement date shall be on or after the realization of full premium amount.
Where the premium is paid in instalment all instalments should be received by us on or before their due dates and our liability to make any payment under
the policy shall only accrue post receipt of all instalments. We shall have no liability to accept the proposal in the event of non-fulfillments of additional
information requested by us or to make any payment if proposal is under process & claim arises in the interim period before the decision on the proposal is
given by us.

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 8 of 20
 Travel Guard Plus

CUSTOMER INFORMATION SHEET / KNOW YOUR POLICY

This Policy provides key information about your policy. You are also advised to go through your policy document.

Refer to Policy Clause

S.No. Title Description
Number
1. Name of the Insurance
Travel Guard Plus
Product / Policy
2. Policy Number 7102238682
Type of Insurance
3. Both Indemnity and Benefit
Product/Policy
4. Sum Insured Sum Insured Basis: Individual Sum Insured
Sum Insured Amount: As per Sum Insured mentioned in Policy schedule
Coverages Sum Insured Deductible
Medical Expenses- Injury and / or Unlimited Sum
Illness Insured with USD
2,50,000 per
incident\loss,
arising out of the
same
illness/injury.
Maximum liability
- PED upto USD
USD 100
10,000 Sum
insured- life
threatening
conditions
Emergency Medical Evacuation Upto Section -
Medical
Expenses- Injury
and / or Illness
Sum Insured
Repatriation of Mortal Remains 25% of Section -
Medical
Expenses- Injury
and / or Illness
Sum Insured
(over and above)
Accidental Death & AD:USD 15,000,
Disablement(Overseas) Disablement:USD
15,000, Total -
USD 15,000
Emergency Medical Dental Expenses USD 500 USD 50
Delay of Checked-in Baggage 4 hours delay :
USD 45
Loss of Checked-in Baggage USD 300
Loss of Passport USD 250 USD 25
Personal Liability USD 2,00,000 USD 200
Flight Delay 4 hours delay :
USD 45 For all
overseas flights
taken during
Insured Trip
Trip Curtailment USD 750 USD 75
Trip Cancellation USD 750 USD 50
Missed Flight/Connection USD 500
Bounced Hotel / Airline booking USD 750 USD 75
Fraudulent Charges Per Occurrence
Limit : USD 500;
Aggregate Limit:
USD 1000
Emergency Extension of the Policy 7 days
Home Content Burglary (In Rs.) INR 1,50,000 INR 5,000

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 9 of 20
 Travel Guard Plus

Coverages Sum Insured Deductible

Hijack/Kidnap Daily Allowance USD 100(Per 12
hours max 10
days)
Accommodation Extension USD 300 per day
Max upto 10 days
Loss of International driving license USD 100
Flight Cancellation USD 75
Loss of Personal Baggage USD 200 USD 30
Personal Accident in India (in INR) INR 15,00,000

5. Policy Coverage Base Covers: Benefits Covered under the

(What the Policy Covers?) Policy
The Customer Information Sheet should be read in conjunction with the Policy
Schedule and Insurance coverage will be applicable only to the covers and up to
the Sum Insured limits as specifically mentioned in the Policy Schedule.

1. Medical Expenses – If during an Insured Journey while this Policy is in effect, You
sustain an Injury or Illness, we will reimburse the Reasonable and Customary
Charges in respect of the covered Medical Expenses during the Hospitalization
or Day Care Treatment or OPD treatment (including any tele-medicine)
2. Repatriation Of Mortal Remains: In the unfortunate event of death, we will
reimburse for covered expenses reasonably incurred to repatriate your body
from the place of death to your usual place of residence in India.
3. Accidental Death and Disablement: We will pay the Sum Insured in case of
Death and Dismemberment arising due to an Accident while you are on Insured
Journey.
4. Emergency Medical Dental Expenses: We will reimburse You for Dental Benefits
taken during the Insured Journey. It will also reimburse the expenses incurred
for the same incident upto 30 Days from the date of first treatment, after the
payment of the Dental Benefits.
5. Delay Of Checked-In Baggage: We will pay the Sum Insured if the Checked
Baggage is delayed or misdirected by a Common Carrier subject to the time-
based deductible

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 10 of 20
 Travel Guard Plus

6. Loss Of Checked-In Baggage: We will pay the Sum Insured in the case of
permanent loss of an entire piece of Checked-in Baggage held in the care,
custody and control of a Common Carrier
7. Loss Of Passport: We will reimburse You for necessary and reasonable
expenses towards the prescribed fee payable to the concerned authorities for
issue of an emergency certificate and/or the cost for applying for the passport
in India.

8. Personal Liability: We will indemnify You against Your actual legal liability
including the defence costs incurred or which You are liable to pay to a third
party for the third party's bodily injury or property damage due to an incident
while you are on Insured Journey
9. Flight Delay: We will pay the Sum Insured if the flight on which the Insured is
travelling is delayed from its Scheduled time of Departure.
10. Trip Curtailment: We will reimburse You covered expenses for necessary
curtailment (Shortening and / or alteration) of the insured journey and You have
to directly return to Usual place of residence.
11. Trip Cancellation: We will reimburse the non-refundable travel ticket cost and /
or accommodation costs in case of your overseas Insured Journey is cancelled
prior to scheduled departure from India.
12. Missed Flight/Connection: We will reimburse You the non-refundable travel
ticket costs if You miss any flight whilst on your Insured Journey.
13. Bounced Hotel / Airline Booking: We will reimburse You for actual additional and
reasonable expenses incurred for booking alternative flight or accommodation
arrangements in case of bounced booking of pre-booked accommodation or
flight.
14. Fraudulent Charges: We will reimburse You for the unauthorized charges on
Eligible Card, upto twelve (12) hours prior to first reporting of the event to the
issuer, if the charges are made on Eligible Card when it is Lost or Stolen whilst
on an Insured Journey.
15. Emergency Extension: Extension of the Policy Period is granted upto a period of
days from the Policy Period End date, if the extension is deemed necessary
while you are on Insured Journey
16. Home Content Burglary: Will reimburse You for the repair cost, in case of partial
loss or replacement cost for a similar item, in case of total loss of the Contents
at Your Home, caused by Burglary and/or attempted Burglary during Your
Insured Journey. Usual Place of Residence in India
17. Hijack/Kidnap Daily Allowance: We will pay You the Sum Insured for every 12
hours period up to the maximum number of Days for distress allowance if You
are kidnapped or the Common Carrier in which You are travelling is hijacked
while you are on Insured Journey.
18. Accommodation Extension: We will reimburse You the reasonable expenses for
additional accommodation expenses while you are on Insured Journey if You are
unable to travel on the Scheduled Date of Departure
19. Loss Of International Driving License: Will pay the Sum Insured, for obtaining
duplicate international driving license either overseas or within 30 Days upon
return to the Usual Place of Residence in India, if You lose Your international
driving license whilst on Insured Journey.
20. Flight Cancellation: We will pay You the Sum Insured in the event of cancellation
of scheduled departure of the international flight whilst on Insured Journey.
21. Loss Of Personal Baggage: We will reimburse You the purchase cost of the lost
Personal Baggage arising out of Theft or Burglary, when in Your custody, whilst
on Insured Journey

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 11 of 20
 Travel Guard Plus

22. Personal Accident in India: We will pay for Death and Disablement arising due to
an Accident while on Insured Journey in India
23. Compassionate Travel/Stay: We will reimburse You for the actual cost of the to
and fro economy class ticket and accommodation for one of Your Immediate
Family Member to attend to Your medical emergency during Your Insured
Journey
24. Loss Of Cash: We will reimburse You for any loss of currency arising out of Theft
or Robbery during Insured Journey
25. Up-Gradation to Business Class: We will reimburse You the actual expenses
incurred for up-gradation of Your existing economy class air ticket to a business
class air ticket in the event of insured getting hospitalized during his insured
journey.
26. Rental Vehicle Cover: We will reimburse You for rental vehicle excess in case
Your rental vehicle is stolen, damaged or involved in a collision. It also covers
the towing fees for the rental vehicle while you are on Insured Journey
27. Rental Vehicle Return: We will reimburse You for the delay charges levied as per
vehicle hiring agreement by the rental company if the rental vehicle in Your
custody meets with accident, is damaged or is involved in a collision which
directly results in a delay while you are on Insured Journey
28. Alternative Transport Expenses: We will reimburse You the cost of alternate
transport taken due to shortened or diverted Scheduled Transport Arrangement
while you are on Insured Journey.
29. Pandemic Cover: We will pay You the Sum Insured in the event You are
diagnosed with, and are required to Quarantine Yourself during the Policy
Period whilst on Insured Journey, due to the same Illness which has been
declared as a pandemic by the appropriate government authority or the World
Health Organization.
30. Hospital Daily Cash: We will pay You the Sum Insured for each continuous and
completed 24 hours of hospitalization while you are on Insured Journey
31. Missed Booking: We will reimburse You the covered expenses for non-
refundable amount of the overseas Event ticket or Non-refundable unused
portion of travel tours / packages excluding accommodation costs if You are not
able to attend the pre-booked Event or commence tours/packages due to non-
commencement of Insured Journey.
32. Visa Rejection: We will reimburse You the Visa Fee paid by You for the Insured
Journey, if Your Visa is rejected for no fault or negligence of yours

Add On Bundles:
The following add-on bundles are applicable to the Insured Person if specified to be
in-force in the Policy Schedule, and upto the Sum Insured specified against such
benefit in the Policy Schedule

1. Cruise Bundle
a. Missed Cruise: We will reimburse You for non-refundable travel ticket costs if
You miss any cruise while you are on overseas Insured Journey.
b. Common Carrier – Cruise Interruption: We will reimburse You the expenses
incurred towards any alternate travel bookings made due to any unexpected
Injury or Illness to You while on a Cruise, resulting in Your Hospitalization on
dry land while you are on overseas Insured Journey

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 12 of 20
 Travel Guard Plus

2. Travel Plus Bundle

a. Accompaniment Of Minor Child: We will reimburse You for actual cost of a
round trip economy airfare ticket on a Scheduled Airline from India for Your
Immediate Family Member designated by Your Eligible Family to bring Your
Child back to residence in India
b. Frequent Flyer Cover: We will reimburse You for the amount, equivalent to the
conversion factor of the frequent flyer/reward program service provider, if
your Insured Journey is cancelled
c. Loss To Electronic Portable Items We will reimburse You the replacement cost
for an item of similar make and model, in the event of theft of Your Electronic
Portable Items, during the Policy Period, whilst on the Insured Journey.
3. Accident Bundle
a. Lifestyle Modification Cover: We will reimburse You for the cost of artificial
limbs and any modifications to Your home or vehicle necessitated due to
disablement arising as a result of an Accident whilst on an overseas Insured
Journey

b. Child Education Benefit: We will pay the Sum Insured for the education of the
surviving Eligible Children of the Insured, in case of the death of the insured
while on overseas Insured Journey
c. Coma Cover: We will pay the Sum Insured in case the Insured is in a comatose
state due to an accident while on overseas Insured Journey
d. Adventure Sports: It provides coverage for expenses arising out of any Injury
suffered while participating in Adventure Sports, in a non-professional
capacity and performed under expert supervision of trained professionals
whilst on an overseas Insured Journey
Optional Assistance Services:

Care at Home: It provides medical assistance to your family members at home

while You are Overseas

Automated Luggage Tracking Service: It provides assistance in tracking your

checked-in luggage if it is delayed when you are on Insured Journey.

Lost and Found Passport Service: It provides assistance in tracking your passport if
it is lost while you are overseas.

6. Exclusions (what the policy This entire Policy does not provide benefits for any loss resulting in whole or in part Exclusions
does not cover) from, or expenses incurred, directly or indirectly in respect of:

1. Where the Insured Person is travelling against the advice of a Physician/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;
2. Any Pre-existing Disease or any complication arising from it unless in case of
Life-Threatening Condition.
3. Any claim of Insured Person arising from:
a. suicide or attempted suicide
b. will-full self-inflicted illness or injury except injury in self-defense or to save
life; or
4. Any claim arising from Adventure Sports, unless expressly covered under any
particular Benefit;
5. Any claim of the Insured Person arising from sexually transmitted conditions;

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 13 of 20
 Travel Guard Plus

6. Any claim for death, disablement (whether of a permanent nature or of a

temporary nature), Hospitalisation of the Insured Person arising or resulting
from the Insured Person committing any breach of law with criminal intent;
7. The Insured Person whilst being under the influence of intoxicating liquor or
drugs or other intoxicants, suffers Injury / Accident, except where the Insured
Person is not directly responsible for the Injury / Accident though under
influence of intoxication;

8. Where the Insured Person is operating or learning to operate any aircraft, or

performing duties as a member of the crew on any aircraft or the Scheduled
Airline;
9. Any claim for death or disablement (whether of a permanent nature or of a
temporary nature) or Hospitalisation of the Insured Person, due to war (whether
declared or not) and war like occurrence or invasion, acts of foreign enemies,
hostilities, civil war, rebellion, revolutions, insurrections, mutiny, military or
usurped power, seizure, capture, arrest, restraints and detainment of all kinds;
10. Any claim resulting or arising from or any consequential loss caused by or
contributed to or arising from:
a. Ionizing radiation or contamination by radioactivity from any nuclear fuel or
from any nuclear waste from the combustion of nuclear fuel or from any
nuclear waste from combustion (including any self-sustaining process of
nuclear fission) of nuclear fuel.
b. Nuclear weapon material.
c. The radioactive, toxic, explosive or other hazardous properties of any
explosive nuclear assembly or nuclear component thereof.
d. Nuclear, chemical and biological terrorism;
11. Performance of manual work for employment or any other potentially
dangerous occupation;
12. Congenital Anomalies or any complications or conditions arising therefrom;
13. Osteoporosis (porosity and brittleness of the bones due to loss of protein form
the bones matrix) or pathological fracture (any fracture in an area where Pre-
existing Disease has caused the weakening of the bone), if osteoporosis or
pathological fracture diagnosed prior to the Policy Period, unless arising out of
an Injury;
14. Any claim due to the pregnancy of the Insured Person including resulting
childbirth, miscarriage, abortion or complication of any of these except
complications in pregnancy due to Accident of the Insured Person during the
Insured Journey;
15. Any loss arising out of the Insured Person's actual or attempted commission of
or willful participation in an illegal act or any violation or attempted violation of
the law;
16. Liability arising out of the Insured Person’s engagement in any criminal or illegal
act;
17. Any claim incurred outside the territorial limits of the Geographical Scope or the
Insured Journey that are mentioned in the Policy Schedule;
18. Any non-Medical Expenses (list enclosed - Annexure I);
19. Individuals travelling on immigrant visa beyond 120 Days.

7. Waiting Period Not Applicable

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 14 of 20
 Travel Guard Plus

8. Financial Limits of Deductibles: Financial limits as Covered

Coverage Under The Policy
1. Medical Expenses- Injury and / or Illness and Emergency Medical Evacuation:
Deductible (It is a USD 100
specified amount): 2. Emergency Medical Dental Expenses:
Up to which an a. Silver, Silver Plus, Silver Plus - Plan A, Silver plus - Plan B, Gold, Gold -Plan A,
insurance company Gold - Plan B, Platinum, Platinum - Plan A, Platinum - Plan B, Titanium and
will not pay any Titanium Plus - USD 50
claim, and b. Senior and Senior Plus - USD 75
Which will be 3. Delay of Checked-in Baggage - 4 Hours
deducted from total
claim amount (if 4. Loss of Passport - USD 25
claim amount is 5. Personal Liability:
more than the a.Silver, Silver Plus, Gold, Senior, Senior Plus Copper- Non-Medical and Super
specified amount) Senior - USD 200
b.Platinum, Titanium and Titanium Plus - USD 250
6. Flight Delay: 4 Hours
7. Trip Curtailment:
a. Silver, Silver Plus, Silver Plus - Plan B, Copper Non-Medical Plan - USD 50
b. Gold, Gold Plus - Plan B - USD 75
c. Platinum, Platinum - Plan B, Titanium, Titanium Plus, Senior, Senior Plus and
Super Senior - USD 100
8. Trip Cancellation:
a. Silver, Silver Plus, Silver Plus - Plan B, Gold, Gold -Plan B, Senior, Senior Plus
and Super Senior, Copper Non-Medical Plan - USD 50
b. Platinum, Platinum - Plan B, Titanium and Titanium Plus - USD 100
9. Bounced Hotel and Airline Booking:
a. Silver, Silver Plus, Silver Plus - Plan B, Senior, and Super Senior - USD 50
b. Gold, Gold -Plan B and Senior Plus - USD 75
c. Platinum, Platinum -Plan B, Titanium and Titanium Plus, - USD 100
10. Home Content Burglary - INR 5000
11. Hijack/Kidnap Daily Allowance - 12 Hours
12. Loss of Baggage and Personal Effects - USD 30

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 15 of 20
 Travel Guard Plus

Coverages Plans
Sub-limit (It is a pre- Sublimits Silver, Gold, Gold, Platinum, Titanium
defined limit and the applicable on SilverPlus, Gold-PlanA, Platinum- Plus
insurance company will IPD Treatment SilverPlus- Gold-PlanB PlanA,
not pay any amount in & Day Care PlanA, Platinum-
excess of this limit) Treatment and SilverPlus- PlanB,
OPD PlanB, Senior, Titanium
Senior Plus
and
SuperSenior
Hospital Room USD 1500 per USD 1750 per USD 2000 per USD 2500
Rent and Day up to 30 Day up to 30 Day up to 30 per Day up
Boarding Days Days Days to 30 Days
expenses
Emergency USD 1500 USD 1750 USD 2000 USD 2500
Room Services
ICU Charges USD 3000 per USD 3250 per USD 3250 per USD 4000
Day up to 7 Day up to 7 Day up to 7 per Day up
Days Days Days to 10 Days
Surgical USD 12.5K for USD 13K for USD 15K for USD 22.5K
Treatment surgical surgical surgical for surgical
Expense treatment treatment treatment treatment
expense with expense with expense with expense
an additional an additional an additional with an
sublimit of sublimit of sublimit of additional
25% of 25% of 25% of sublimit of
surgical surgical surgical 25% of
treatment for treatment for treatment for surgical
Anesthetist Anesthetist Anesthetist treatment
services services services for
Anesthetist
services
Physician USD 125 per USD 175 per USD 250 per USD 350
consultation Day upto 10 Day upto 10 Day upto 10 per Day
charges visits visits visits upto 10
visits
Diagnostic Up to USD Up to USD Up to USD Up to USD
Tests. 750 1000 1500 2500
Ambulance Up to USD Up to USD Up to USD Up to USD
Service (Not 500 600 750 1000
applicable for
OPD)
Pharmacy Up to USD Up to USD Up to USD Up to USD
2000 2000 2000 2000
Miscellaneous Up to USD Up to USD Up to USD Up to USD
Expenses 500 500 500 500

Cases with package rates, where Individual line item billing are not available, the
below would be paid:-
Coverages Plans
Sublimits Silver, Silver Gold, Gold - Platinum, Titanium
applicable on Plus, Silver Plan A, Gold - Platinum - Plan Plus
IPD Treatment Plus- Plan A, Plan B A, Platinum -
& Day Care Silver Plus- Plan B,
Treatment and Plan B, Senior, Titanium
OPD Senior Plus
and Super
Senior
Surgical USD 27,500 USD 30,500 USD 35,000 USD
45,000
Non- Surgical USD 13,000 USD 15,000 USD 17,500 USD
(Medical 20,000
manage ment
cases)

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 16 of 20
 Travel Guard Plus

9. Claims/Claims Procedure For Policies with Other Terms and

Conditions
Geographical Scope as Worldwide
Please Call+1-833-440-1575 (Tollfree within US and Canada)
Email: tata.aig@europ-assistance.in
Geographical Scope as Other than Worldwide
Call: +91-22 68227600
Email: EA.TATAclaims@europ-assistance.in
While in India, contact at below numbers for any claim related assistance -
Toll Free No 1800 266 7780 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:
general.claims@tataaig.com
Write to:
Tata AIG General Insurance Company Limited
7th and 8th Floor, Romell Tech Park, Cama Industrial
Estate, Western Express Highway, Goregaon(E), Mumbai,
Maharashtra 400063
10. Policy Servicing Company Officials: Other Terms and
Conditions
If you are not satisfied with our services and wish to lodge a complaint, please
feel free to call our 24X7 Toll free number 1800-266-7780 or Senior Citizen No.
1800 22 9966 (tolled) or you may email to the customer service desk at
customersupport@tataaig.com

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 17 of 20
 Travel Guard Plus

11. Grievances/Complaints In case of any grievance the Insured Person may contact through: Other Terms and Conditions
Website: www.tataaig.com
Call Us 24X7 toll free helpline 1800 266 7780 or 1800 22 9966 (Senior Citizen) Email
Us at customersupport@tataaig.com

Write to Us at: Customer Support, Tata AIG General Insurance Company Limited

7th and 8th Floor, Romell Tech

Park, Cama Industrial Estate,
Western Express Highway,
Goregaon(E), Mumbai,
Maharashtra 400063
Visit the Servicing Branch mentioned in the Policy.

The Insured Person may also approach the grievance cell at any of The Company’s
branches with details of grievance.

Nodal Officer : Please visit our website at www.tataaig.com to know the contact
details of the Nodal Officer for your servicing branch.

After investigating the grievance internally and subsequent closure, we will send
our response within a period of 10 days from the date of receipt of the complaint
by the Company or its office in Mumbai. In case the resolution is likely to take
longer time, we will inform you of the same through an interim reply.

Escalation Level 1
For lack of a response or if the resolution still does not meet Your expectations, You
can write to manager.customersupport@tataaig.com. After investigating the matter
internally and subsequent closure, We will send Our response within a period of 8
Days from the date of receipt of Your complaint on this email id.

Escalation Level 2

For lack of a response or if the resolution still does not meet Your expectations, You
can write to the Head - Customer Services at head.customerservices@tataaig.com.
After examining the matter, We will send You Our final response within a period of
7 Days from the date of receipt of Your complaint on this email id. Within 30 Days
of lodging a complaint with Us, if You do not get a satisfactory response from Us
and You wish to pursue other avenues for redressal of grievances, You may
approach the Insurance Ombudsman appointed by the IRDAI under the Insurance
Ombudsman Scheme.

For the latest list of Insurance Ombudsman, please refer to the IRDAI website at
https://www.irdai.gov.in/ and the Ombudsman website at
http://www.cioins.co.in/ombudsman.html.

12. Things to remember Other Terms and

Conditions
1. Free Look Period
The Free Look Period will be applicable for policies with the Policy Period of one
(1) year. The Insured Person will be allowed a period of Thirty Days from the
date of receipt of the Policy, whether received electronically or otherwise, to
review the terms and conditions of the Policy, and to return the same, if not
acceptable.
If the Insured Person has not made any claim during the Free Look Period, the
Insured Person shall be entitled to:

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 18 of 20
 Travel Guard Plus

a. a refund of the premium paid less any expenses incurred by the Company on
medical examination of the Insured Person and the stamp duty charges; or
b. where the risk has already commenced and the option of return of the Policy is
exercised by the Insured Person, a deduction towards the proportionate risk
premium for period of cover; or
c. where only a part of the insurance coverage has commenced, such
proportionate premium commensurate with the insurance coverage during
such period.

2. Travel Extension
The maximum number of travel Days under a Single Trip that may be insured,
under the Policy, shall be one year. Any extension, if accepted by Us is subject to
the medical condition and claim history of the Insured Person and will be at the
Company’s discretion.
For extension of the Policy, the Insured Person shall submit a declaration letter
in the format given by Us clearly mentioning the claims filed during the Policy
Period and also that he / she is unaware of any existing health condition which
could result in a claim during the extension period. The Company reserves right
to ask for additional information, treatment history, treatment papers for
assessing the extension request.
If the Insured Person does not declare the claims filed or the claims that are to
be filed under the Policy or any other material information, 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 duration
shall be the premium payable for the overall Trip duration (including the
extension) less the initial premium already paid. The premium payable for the
extension of the Policy during the Trip will be as per the applicable Trip band
and Age band slab. In an extended policy, the Insured Person shall be entitled to
all benefits payable on fixed basis for which no claim has been made in the
earlier in the same Policy. For indemnity-based benefits, balance Sum Insured
shall be available during the extended Policy Period, this is irrespective of the
fact whether the Policy number of the extended cover remains same or gets
changed.
3. Cancellation of Policy:
i. Single Trip: Your Policy will terminate on the last Day of Policy for which
premium has been paid or on return to India from the date of
commencement of the Insured Journey, whichever is earlier. This Policy is not
cancellable or refundable in any other circumstance.
ii. Annual Multi Trip: The Policyholder may cancel this Policy by giving 7 days
written notice and in such an event, the company shall return proportionate
premium for unexpired Policy period, provided no claim has occurred up to
the date of cancellation if otherwise there shall be no refund of premium.
However, the Insured Person’s coverage under this Policy ends on the
earliest of:

1. The Policy Period End Date, as stated above; or

2. The Policy termination date; or
3. The date on which the Insured Person request, in writing, that his or her
coverage be terminated is received by us; or
4. Termination of the Insured Journey.

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
Page 19 of 20
 Travel Guard Plus

4. Refund of Premium on Cancellation by Insured

a. Early Return (Single Trip)
In case You return from the Insured Journey atleast 21 Days prior to expiry of
the Policy Period, We will refund the difference of premium between
premium charged and chargeable for immediate next slab of the actual
number of utilized days (as per travel slab) subject to no claims being
incurred on the Policy.
b. Cancellation prior to Policy Start date
Cancellation of the Policy may be done only prior to Policy Start Date stated
in the Policy Schedule and will be subject to deduction of cancellation charge
(Rs 250/ - plus applicable taxes) by Us.
In the event of Cancellation of Policy there shall be no further liability on the
Company under the policy.
c. Cancellation (Annual Multi Trip)
We may cancel this Policy at any time on grounds of mis-representation,
established fraud, non-disclosure of material facts by giving you 15 Days'
notice delivered to You, or mailed to Your last address as appears in Our
records, stating when such cancellation shall be effective and the policy shall
stand cancelled ab-initio and there will be no refund of premium.

5. Time of Payment of Claim

a. 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.
b. In the case of delay in the payment of a claim, the Company shall be liable to
pay interest to the Insured Person(s) from the date of receipt of last
necessary document to the date of payment of claim at a rate 2% above the
Bank rate.
c. 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.
d. ln case of delay beyond stipulated 45 Days, the Company shall be liable to
pay interest to the Insured Person(s) at a rate 2% above the Bank rate from
the date of receipt of last necessary document to the date of payment of
claim.
(In this clause, "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)

13. Your Obligations: Please disclose all condition/s before buying a policy. Non-disclosure may result in Other Terms and
claim not being paid and termination of Your policy. Conditions

Disclosure of other material information during the Policy Period

Declaration by the Policyholder : Mr Harpreet Singh

I have read the above and confirm having noted the details.

Place: DELHI Mr Harpreet Singh

Date:07/02/2025 (Signature of the Policyholder)

Insurer to take confirmation of the policyholder regarding receiving of the Customer Information Sheet

Insurance is the subject matter of the solicitation. For more details on risk factors, terms and conditions , please read sales brochure carefully, before concluding a sale.

TATA AIG General Insurance Company Limited

Registered office: Peninsula Business Park, Tower A, 15th Floor, G.K Marg, Lower Parel , Mumbai - 400013
24*7 Toll free Number: 1800 266 7780 or 1800 229966 (For Senior Citizens) Email: customersupport@tataaig.com Website: www.tataaig.com
IRDA of India Registration No : 108, CIN : U85110MH2000PLC128425, UIN : TATTIOP24162V012324
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