Add on- Trip Cancellation
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 the 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. Medical records / Death certificate of insured, companion or Immediate Family Member.
  6. Details / supporting documents of amount refunded by Common Carrier.
  7. Copy of Ticket and copies of Correspondence with the Airline related to trip cancellation.
  8. Any other document evidences, like newspaper cutting etc. related to Mass bandhs or widespread Strikes/Catastrophe acknowledged/published by Public Authority if any. 


Trip Interruption
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 filled and signed by Insured Person.
  2. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking
  3. Copy of passport / Visa with entry and exit stamp.
  4. Copy of cancelled cheque/NEFT form.
  5. Details of Circumstances leading to trip interruption along with supporting documents.
  6. Details / supporting documents of amount refunded by Common Carrier and Accommodation.
  7. Bills and receipts of additional expenses towards accommodation and Travel during the interruption period.
  8. Any other document evidences, like news paper cutting etc. related to Mass bandhs or widespread Strikes/Catastrophe acknowledged/published by Public Authority if any


Loss of Checked-in Baggage

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. Property Irregularity Report (obtained from Airline).
  6. Copies of Correspondence with the Airline authorities/Others confirming the loss and details of compensation.
  7. Individual list of items in each baggage with approximate cost of each item


Loss of Passport
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 Passport.
  6. Original bills/invoices of expenses incurred for obtaining a new Passport.
  7. Copy of FIR/ Police Report.


Loss of Cash

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 FIR/Police Report (Stating the loss of cash), subject to relevant authorities having jurisdiction at the place of the loss within 48 hrs. after the incident.
  6. Proof of loss in writing from Common Carrier or Accommodation authorities with compensation details. 


International Driving License
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.


CLAIM PROCEDURE AND DOCUMENTS

  1. Intimation & Assistance
    Insured Person can notify a Claim by sending an SMS CLAIMS to 5616181 or by calling The Company’s 24x7 toll free helpline 1800-266 7780 Or email The Company at general.claims@tataaig.com 24-hour Assistance Contact:
    1. For the Americas Policies: 1-866-866-2619 (Toll Free within US and Canada) /,+1-817-826-7017(Reverse charges/collect from other places):e-mail: tata.aig@aig.com
    2. For rest of the world policies excluding the Americas: +603-2118-0782 or +603-2118-0784 (Toll free worldwide)
      e-mail: tgap.tatamedical@tataaig.com

      If any Hospital does not submit a bill to Insured Person for the treatment/service rendered, please intimate The Company’s Service Center before Insured Person leave the Hospital. Kindly submit all the requested documents at the address mentioned below:

      Claims Department
      Tata AIG General Insurance Co. Ltd.,
      A-501, 5th Floor, Building No.4,
      Infinity Park, Gen. A.K. Vaidya Marg,
      Dindoshi, Malad (East)
      Mumbai 400 097
       
  2. Claim Notification
    It is a condition precedent to The Company’s liability hereunder that notice of Claim must be given by the Insured Person to The Company within seven (7) days after an actual or potential loss occurs or as soon as reasonably possible and in any event no later than (30) Days after an actual or potential loss occurs. The fulfillment of the terms and conditions of this Policy (including payment of premium by the due dates mentioned in the Policy Schedule / Certificate of Insurance) insofar as they relate to anything to be done or complied with by the Insured Person(s), including complying with the procedures and requirements in relation to Claims, shall be Conditions Precedent to The Company liability under this Policy.

    For details on the Claims procedures and requirements or any assistance during the process, The Company may be contacted at The Company call centre on the toll free number as specified below. In case of Claim the Insured Person must:
    • take immediate steps to protect, save and/or recover the covered property;
    • give immediate notice to the carrier or bailee who is or may be liable for the loss or damage;
    • notify the police or other appropriate authority in the case of Robbery or Theft within 24 hours.
       
  3. Scrutiny of Claim Documents
    The Company / Assistance Company shall scrutinize the Claim and accompanying documents. Any deficiency of documents shall be intimated to Insured Person
     
  4. Other Claims Requirements:
    1. If any Claim is not made within the time period set out B.Claim notification, The Company condones such delay on merits only where the delay has been proved to be for reasons beyond the claimant’s control.
    2. The Company representatives must be given all cooperation in investigating the Claim in order to assess The Company’s liability and quantum in respect of such Claim.
    3. If requested by The Company and at The Company’s cost, the Insured Person must submit to medical examination by The Company nominated Medical Practitioner as often as The Company consider reasonable and necessary and The Company representatives must be permitted to inspect the Medical and Hospitalisation records pertaining to the Insured Person’s Injury and treatment and to investigate the facts surrounding the Claim.
    4. The directions, advice and guidance of the treating Medical Practitioner shall be strictly followed. The Company shall not be obliged to make any payments that are brought about or contributed to as a consequence or failure to follow such directions, advice or guidance.
       
  5. Claims Payment:
    1. The Company shall be under no obligation to make any payment under this Policy unless The Company have received all premium payments in full and on time in respect of the Insured Person’s Cover under the In-built Coverage and all applicable Coverages and all payments have been realized. 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.
    2. In the case of delay in the payment of a Claim, the Company shall be liable to pay interest from the date of receipt of last necessary document to the date of payment of Claim at a rate 2% above the bank rate.
    3. 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. In such cases, the Company shall settle the Claim within 45 days from the date of receipt of last necessary document.
    4. In case of delay beyond stipulated 45 days the company shall be liable to pay interest at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of Claim.
    5. All Claims will be settled in accordance with the applicable regulatory guidelines, including IRDAI (Protection of Policy holders Interests Regulation), 2017
    6. The payment of any Claim under this Coverage will be in Indian Rupees based on the rate of exchange as on the date of invoice, published by Reserve Bank of India (RBI) and shall be used for conversion of foreign currency into Indian Rupees for Claims payment. If these rates are not published on the date of invoice, the exchange rate next published by RBI shall be considered for conversion.
    7. Payment of Claims: All payments to be made by the Company shall be paid to Insured Person in the Policy and such payments shall be subject to the laws and regulations then in effect in the Policy.
    8. Admissibility of Claim: any Claim to be admissible under this Policy, the Date of loss should be within the Policy Period unless otherwise provided.