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Domestic Travel Insurance is designed for journeys within India. Depending on the selected policy option, it can provide financial protection for specified accident-related medical expenses, emergency medical evacuation, accidental death and dismemberment, personal liability and certain travel disruptions. The policy may also include assistance services and optional benefits relating to lost tickets or missed departures. Coverage limits, deductibles, eligibility and conditions are governed by the policy schedule and wording. The official prospectus lists the single-trip eligibility age as 6 months to 70 years.
Domestic trip protection with accident-related medical cover, emergency assistance and selected travel disruption benefits
This plan is intended for people travelling within India who want protection against selected financial risks during a trip. Its core benefits include accidental death and dismemberment, emergency accident medical expense reimbursement, emergency medical evacuation, repatriation of remains, personal liability and assistance services. The prospectus also describes accommodation expenses following an eligible trip delay exceeding five hours, subject to the policy conditions. Certain benefits, including loss of air or rail tickets and missed departure, have specific conditions and deductibles. Buyers should compare the selected sum insured, number of units, applicable deductibles and add-on availability before purchasing. Pre-existing diseases and several other circumstances are excluded under the prospectus; the full wording should be checked before relying on any benefit.
Tata AIG
Key Insights
Founded
2001
Tata AIG was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
98.2% CSR, calculated as a 3-year average
Tata AIG settles 98.2% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-266-7780
Headquarters: Peninsula Business Park, Tower A, 15th Floor, G.K. Marg, Lower Parel, Mumbai – 400 013, Maharashtra, India
Provides the scheduled benefit for covered death or specified bodily loss resulting from an accident during the insured journey.
Benefit amounts depend on the policy schedule and the type of loss.
Reimburses eligible medical expenses in India for treatment of accidental injuries, subject to policy terms.
The prospectus specifies a ₹250 deductible for the accident and sickness medical expense benefit.
Covers eligible transportation to the nearest hospital or to the town where the trip commenced for medical treatment.
Subject to medical necessity, limits and policy conditions.
Provides cover for eligible legal liability for third-party bodily injury or property damage caused by an accident.
The prospectus specifies a ₹200 deductible. Household-related exclusions and other terms apply.
May reimburse reasonable accommodation expenses when a covered hazard delays the trip by more than five hours.
Delay at the insured person’s usual town of residence is excluded from this benefit.
An optional benefit may reimburse eligible original air or rail ticket charges when a lost ticket prevents continuation of the intended journey.
Availability depends on the selected option. The prospectus specifies a deductible of ₹150 or 10% of actual ticket cost.
May reimburse original air or rail ticket charges when specified public transport failure or a vehicle accident prevents reaching the departure point on the return journey.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
Tata AIG plans and claim process
It is travel insurance for journeys within India. Depending on the selected option, it can cover specified accident-related medical expenses, emergency evacuation, personal liability and selected travel disruptions.
TATA AIG advertises domestic travel insurance starting at ₹26 per day. Your actual premium depends on the trip details and selected policy option.
The official prospectus lists single-trip eligibility from 6 months to 70 years. Check the policy schedule and current product terms for the option you intend to purchase.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Tata AIG website before purchasing.
Official Website
tataaig.com
Visit the official Tata AIG website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
Subject to the stated reasons, deductible and policy terms.
It provides eligible emergency medical expense reimbursement for accidental injuries in India. Check the schedule for limits, deductibles and exact coverage.
The prospectus describes emergency accident medical expenses. Do not assume that ordinary illness or all hospital bills are covered; refer to the selected policy wording.
Emergency medical evacuation is listed as a core benefit. It is subject to the policy conditions and applicable limit.
Eligible accommodation expenses may be covered when a trip is delayed for more than five hours due to a covered hazard, subject to policy conditions.
A loss-of-ticket benefit is described as an add-on. Availability, deductibles and reimbursement conditions depend on the selected option.
The prospectus lists pre-existing diseases and their complications among the exclusions. Review the complete wording for the applicable terms.
No. This product is designed for travel within India. International journeys require a suitable overseas travel insurance product.
Personal liability is listed as a benefit for eligible third-party bodily injury or property damage claims. Deductibles, exclusions and policy conditions apply.
Review the official TATA AIG Domestic Travel Insurance prospectus and policy wording before purchasing, especially the benefit limits, deductibles and exclusions.