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Travel Guard
Travel Guard
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.
Know more
Features & Benefits
Benefits schedule
| Benefits |
Platinum (Figures in US$) | |
| Single Trip | Annual Multi Trip | |
| 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. |
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| 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. |
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Premium details
| Single Trip | |||||||
| Age Band No of Days |
Worldwide excluding USA / CANADA | Worldwide including USA / CANADA | |||||
| 6 months - 40 Years |
41 - 60 Years | 61 - 70 Years | 6 months - 40 Years |
41 - 60 Years | 61 - 70 Years | ||
| 1 - 7 | 792 | 914 | 1469 | 1007 | 1146 | 1939 | |
| 8 - 14 | 990 | 1390 | 1969 | 1412 | 1985 | 2753 | |
| 15 - 21 | 1203 | 1500 | 2634 | 1690 | 2140 | 3521 | |
| 22 - 28 | 1475 | 1743 | 3167 | 1885 | 2471 | 4282 | |
| 29 - 35 | 1623 | 2074 | 3855 | 2312 | 2934 | 5410 | |
| 36 - 47 | 1916 | 2515 | 4809 | 2769 | 3596 | 6893 | |
| 48 - 60 | 2758 | 4103 | 5907 | 3949 | 5846 | 8644 | |
| 61 - 75 | 3971 | 5536 | 7503 | 5647 | 8195 | 10981 | |
| 76 - 90 | 4765 | 6589 | 8963 | 6839 | 9319 | 13836 | |
| 90 - 120 | 5219 | 7276 | 12736 | 7579 | 10170 | 21646 | |
| 120 - 150 | 6845 | 8598 | 18449 | 10372 | 13964 | 30512 | |
| 150 - 180 | 8420 | 10342 | 22413 | 12484 | 15600 | 35256 | |
| Annual Multi Trip | |||||||
| Age Band No of Days |
19 - 40 | 41 - 60 | 61 - 70 | ||||
| 30 days | 4209 | 5140 | 10191 | ||||
| 45 days | 4866 | 5234 | 16703 | ||||
Premiums in INR and Include Service Tax @10.30% 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.
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.
Apply for Travel Guard
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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.
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