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Travel Guard is a "Global Travel Protection" policy underwritten by the Tata AIG General Insurance Company Limited (Tata AIG). Travel Guard may be purchased by any resident Indian between the ages of 6 months and 70 years (for travel abroad on business or leisure).

A holiday is an important time to recharge yourself. It is what you work for and owe yourself. An injury or illness on a trip like this can be unpleasant and expensive. Travel Guard is a "Global Travel Protection" policy underwritten by the Tata AIG General Insurance Company Limited (Tata AIG). Travel Guard may be purchased by any resident Indian between the ages of 6 months and 70 years (for travel abroad on business or leisure).

These are the things you plan for when you travel - business, sight seeing, shopping. How about lost baggage (and passports), personal accidents, even a hospital stay in a strange land? Very few people plan for real risks like these. Tata AIG has access to that expertise - so you get the services of a multilingual team familiar with local conditions and systems. Of course, every Tata AIG travel product sets benchmarks on service excellence, worldwide coverage and value for money.

Travel Insurance from Tata AIG

First to launch on-line travel insurance
In-house assistance service AIG-Assist in US & Canada; ISOS for rest of the world
AIG presence in over 130 countries

You need no medical certification, whatever your age, though you do need a declaration of recent medical history. Any pre-existing ailments or medical conditions are not covered under this policy.

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Eligibility

Policy Wording

How to Apply?

Features & Benefits

Benefits schedule

Benefits	Single Trip	Annual Multi Trip
	Platinum	Platinum
Figures in US$	-	-

Accidental Death and Dismemberment Benefit	25000	25000
Accidental Death and Dismemberment Benefit (Common Carrier)	5000	5000
Accident & Sickness Medical Expense Reimbursement	500000	500000
Deductible (Accident & Sickness Medical Expense Reimbursement)	100	100
Sickness Dental Relief	500	500
Deductible (Sickness Dental Relief)	150	150
Emergency Medical Evacuation Benefit	Included*	Included*
Repatriation of Remains Benefit	Included*	Included*

Baggage Delay Benefit (After first 12 hrs.)	200	200
Checked Baggage Loss Benefit	1000	1000
Loss of Passport Benefit	250	250
Deductible (Loss of Passport Benefit)	30	30
Personal Liability Benefit	200000	200000
Deductible (Personal Liability Benefit)	200	200
Trip Delay Benefit	Included*	Included*
Deductible (Trip delay benefit)	12 hrs, 10 per 12 hrs	12 hrs, 10 per 12 hrs
Maximum (Trip delay benefit)	100	100
Hijacking Benefit	Included*	Included*
Deductible (Hijacking benefit)	1 day, 100 per day & Max 500	1 day, 100 per day & Max 500
In - Hospital Indemnity Benefit	na	Included*
Deductible (In-Hospital Indemnity Benefit)	na	1 day,15 per day & Max 150
Automatic extension of policy upto 7 days	Available	Available
Emergency cash advance	1500	1500

Sub Limits Following Maximum eligible expenses per Sickness or Disease are applicable to Insured Persons Aged 56-70, regardless of the plan / option purchased.

Hospital Room and Board and Hospital miscellaneous	Max 1,500 per day upto 30 days whichever is less.
Intensive Care Unit	Max 3,000 per day upto 7 days whichever is less.
Surgical Treatment	Max 10,000
Anesthetist Services	Upto 25% of Surgical Treatment
Physician’s Visit	Max 75 per Day upto 10 visits
Diagnostic and Pre-Admission Testing	Max 500
Ambulance Services	Max 400
* Included under Accident & Sickness Medical Expenses Reimbursement Please note that in case of Annual Multi Trip, any single trip within the year is for a period not exceeding either 30 days or 45 days. Please select your days of travel accordingly There can be only a single applicant for Annual Multi Trip

Premium details

Single Trip
(WORLDWIDE EXCLUDING USA/CANADA)				(WORLDWIDE INCLUDING USA/CANADA)
Age Band No of Days	6 months - 40 Years	41 - 60 Years	61 - 70 Years	Age Band No of Days	6 months - 40 Years	41 - 60 Years	61 - 70 Years

1-7	805	930	1495	1-7	1025	1166	1974
8-14	1008	1414	2004	8-14	1437	2020	2802
15-21	1224	1526	2680	15-21	1720	2177	3582
22-28	1501	1773	3223	22-28	1918	2514	4358
29-35	1651	2110	3923	29-35	2353	2986	5505
36-47	1950	2559	4894	36-47	2817	3659	7014
48-60	2806	4175	6010	48-60	4018	5949	8796
61-75	4041	5634	7634	61-75	5747	8339	11175
76-90	4849	6705	9121	76-90	6959	9483	14079
90-120	5312	7405	12960	90-120	7712	10349	22027
120-150	6965	8750	18773	120-150	10554	14210	31049
150-180	8569	10524	22808	150-180	12703	15874	35876

Annual Multi Trip
Age Band No of Days	19 - 40	41 - 60	61 - 70

30 days	4283	5230	10369
45 days	4952	5326	16997

Premiums in INR and Include Service Tax @12.24% as per new rules

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Eligibility

Any HSBC customer between the age of 6months - 70 years is eligible to buy the plan. No medical examinations up to the age of 70 years. Please note that in case you are NRI, resident in USA/Canada, you cannot purchase the plan. If you are a mariner / NRI, resident in country other than US / Canada, then you can cover your family resident in India.

Family definition includes the insured person and/or the insured person’s spouse and/or the insured person's children. Please refer to the policy wordings for details.

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Main Exclusions

You are not covered if any expenses incurred directly or indirectly in respect of: traveling against the advice of the physician; for obtaining treatment; pre-existing ailments & complications arising out of them; Suicide or attempted suicide; war; terrorism; illegal acts; dangerous sports etc. For other exclusions please refer to the policy wordings.

Disclaimer:
Insurance is the subject matter of the solicitation.
This policy is underwritten by Tata AIG General Insurance Company Ltd. (Tata AIG), whose registered office is at 9th Floor, Nicholas Piramal Tower, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400 013. This information is given by The Hongkong and Shanghai Banking Corporation Limited (HSBC), India, whose registered office is at 52/60, M.G. Road, Fort, Mumbai 400001, and which is a corporate agent of Tata AIG. HSBC India does not accept any responsibility for Tata AIG's actions or decisions. Conditions Apply. Please refer to the policy contract for details.

Please Health & Data Declaration for Health & Data Declaration

Travel Guard Terms & Conditions.

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How to apply

To apply for Travel Guard, simply log on to online@hsbc and click on "Apply now" to fill up the online application form. If you are not an Internet Banking customer, please register yourself now to apply for TravelGuard!

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The information provided is intended as a general guide for reference. Benefits and features may be subject to local country regulatory restrictions and applicable terms and conditions. Please refer to the Premier Services Guide for detailed information.

Issuance of credit card is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India. All features and benefits are subject to terms and conditions.

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