India Business Travel Accident Policy FAQs

1. How do I purchase International Travel Insurance?
   You can purchase India Business Travel Accident policy (International Travel Insurance), only while you are booking your flight/s on www.goindigo.in. The same is available on the purchase path while making a booking. 
   
2. Who can purchase India Business Travel Accident Policy?  
   Any Indian international passenger traveling outside India can purchase India Business Travel Accident insurance policy, while booking their flight/s on www.goindigo.in.
   
   Foreigner passengers holding passports of any other country other than India can purchase India Business Travel Accident policy only if they have a work or residence permit in India and are traveling from India. 
   
3.  Is there an age limit to be covered under India Business Travel Accident Policy?
   Yes, the passenger must be at least six months on the date of travel. The Maximum age is 70 years of age as on date of travel.
   
4. Can I purchase India Business Travel Accident Policy if I'm traveling for more than 90 days?
   No, India Business Travel Accident Policy covers the passenger/s for maximium period of 90 days from the date of inception of policy which is the date commencement of journey after booking their tickets on IndiGo. Incase of a round trip purchased on IndiGo the coverage will end with the return journey to the originating station or 90 days whichever is earlier. 
   
5. Am I still covered India Business Travel Accident Policy if I catch a connecting flight to a different destination?
   Coverage like trip cancellation, flight delay is only limited to flights booked through IndiGo. Other coverage is applicable during the validity period of the policy.
   
   For example if you are traveling From Delhi to Bangkok on 1st Jan 09 via Mumbai. You would be entitled for benefits of trip cancellation and flight delay only on flight booked through IndiGo. For other mode of transport abroad you would be covered only for rest of the benefits.
   
6. Who would be the beneficiary under this policy?
   Benefits will be paid to the Insured Person's bona fide legal heir in the event of loss of life under the Accident death and dismemberment Benefit. All other benefits will be payable to the Insured Person

1. What do I do if I encounter an accident or sickness while abroad?    
   Please call India Business Travel Accident Policy For Rest of the world policies excluding the Americas: +603-8991-2012/14 (Toll Worldwide)
   Email at - customersupport@tata-aig.com
   If you would like to file a claim for reimbursement after you have returned to India, please contact Tata AIG on the below details:
   Mumbai – 6693500 Delhi – 66603500 Bangalore – 66500001 Pune – 66014156 Chennai – 66841050 Hyderabad – 66629882 Ahmedabad – 66610201.
   
2. Can I cancel my India Business Travel Accident Policy?   
   India Business Travel Accident Policy is non-cancelable. 
   
3. Is India Business Travel Accident Policy refundable?    
   India Business Travel Accident Policy premium is non-refundable.
   
4.  Once I purchase the policy can I change the date of my travel?   
   India Business Travel Accident Policy cannot be endorsed once issued even if you are postponing or extending your trip.
   
5. Do I have to carry a copy of my Certificate of Insurance with me when traveling?   
   We encourage you to carry you to carry a copy of your Certificate of Insurance. Please however ensure that you have at least your Certificate Number and the 24-hour assistance service +603-8991-2012/14 (Toll Worldwide).
   
6. What do I do if I did not receive or lost my Certificate of Insurance?   
   Your India Business Travel Accident Policy was successfully processed if it is reflected on the Confirmation Page and in your IndiGo ItineraryTo get a copy, simply call at our call center Call Tata AIG Call Centre
   • At Toll Free No 1800 119966 from BSNL/MTNL Landline
   • You may also call at these local helpline numbers in your respective cities from any other line: Mumbai - 66939500 ,  Delhi – 66603500 , Bangalore – 66500001 , Pune – 66014156 , Chennai – 66841050 , Hyderabad – 66629882 , Ahmedabad - 66610201
   • Email at - customersupport@tata-aig.com
   • Write to: Tata AIG General Insurance Co Ltd, Policy Holder Services, P. O. Box No. 4907, Chakala MIDC- Post Office, Mumbai 400093 and mention your Certificate Number (if available), Full Name, Flight Booking Number, Travel Dates, Date of Purchase.
     The policy will be emailed to the email address provided by you. 
7. Where can I get the full terms and condition of my India Business Travel Accident Policy?   
   The Full Terms and Condition of your India Business Travel Accident Policy is available in our Policy wording section. 

1.  What kind of benefits do I get with India Business Travel Accident Policy ?    
For more detailed information about the benefits available under India Business Travel Accident Policy , please visit our Product Description and Policy wording section.

Below is a quick summary of what these benefits mean:
 

*All benefits are subject to the terms and conditions of the India Business Travel Accident Policy – Specially designed for the passengers of IndiGo.

• Accidental Death and Dismemberment( 24 hrs)

This benefit compensates the legal heir of the person in case of the death of the insured or dismemberment of any body parts. For details please read the Policy wording section.

• Emergency Accident Medical Reimbursement

This benefit reimburses your medical bills (up to $200,000) if you are involved in an accident during your trip and need medical attention. For details please read the Policy wording section.

• Emergency Medical Evacuation & Repatriation of Remains

This benefit brings you back home to your loved ones if you are involved in an accident while traveling. For details please read the Policy wording section.

• Baggage Loss

This benefit reimburses you up to Rs $1000 if your luggage is lost while in the custody of the common carrier. For details please read the Policy wording section.

• Trip Cancellation & Trip Interruption

These benefits pays up to the total cost of your IndiGo flight if you need to cancel or shorten your trip due to sickness, injury or loss of an immediate family member. For details please read the Policy wording section.

• Flight Delay

This benefit compensates you financially for time lost if your flight is delayed beyond a period. For details please read the Policy wording section.

• 24-hour Assistance Service

This benefit gives you access to a 24-hour emergency assistance line. For details please read thePolicy wording section.

2.  How will my accidental medical expenses be paid under India Business Travel Accident Policy    
You will be reimbursed for accidental medical expenses incurred as a result of a covered accident as detailed in the terms and conditions.

3.  Does India Business Travel Accident Policy cover sports and other similar activities?  
No, India Business Travel Accident Policy does not cover sports and similar activities. For more details, please refer to the terms and conditions. of coverage . 

4.  Can I cancel my trip for any reason and get all my money back through my Trip Cancellation Benefit?  
The Trip Cancellation Benefit is only applicable for reasons covered in the full terms and conditions. Covered reasons include, but are not limited to, unforeseen emergencies such as illness, injury or death involving you, your travel companion and/or an immediate family member. Pre-existing Conditions are not covered.

5.  Does the policy cover pre existing conditions ?    
No the policy does not cover any pre existing conditions or complications arising there from.

6.  What Does my Baggage loss Benefit cover?    
The Baggage loss coverage is available only if entire baggage has been lost while in custody of the common carrier terms and conditions.

1. How do I file a claim?  
   In the event of an insurance claim, you can download a copy of our Notice of Claim Form which is available Click here.
   
   After completing, the same please fax or post it to the contact information indicated in the document. Call: +603-8991-2013 or +603-8991-2014
   Email at -  TGAP.TATAmedical@travelguard.com
   Claims Department
   Tata AIG General Insurance company Ltd.
   A-501, 5th Floor, Building No. 4, Infinity Park,
   Gen. A. K. Vaidya Marg, Dindoshi, Malad (E),
   Mumbai, India - 400 097. 
   
2. How long is the claim processing time?    
   Claims will be processed within 14 days after you've submitted all required documentation.
   
3. What is the time limit for filing a claim? 
   All claims must be submitted to TATA AIG within 30 days from the expiry of the policy. 
   
4. What do I do if I have any question on claims settlement?    
   Please send a mail to customersupport@tata-aig.com, or Call from a BSNL/MTNL landline at 1-800 -119966 or 022 66939500 from any other line.
   
5. Who is responsible and liable for this policy?   
   The sole responsibility and liability of this policy lies with TATA AIG General Insurance Company Ltd alone. Please contact TATA AIG General Insurance Company Ltd only.