- Privacy Policy
Travelers Plans How to Travelers Plans in The World
Tata aig travel insurance usa review.
Traveling to the USA can be an exciting experience, but it can also be challenging. There are many risks involved, such as medical emergencies, trip cancellations, or loss of luggage. That’s why it’s important to have travel insurance that covers you in case of unexpected events. One of the options available is Tata AIG travel insurance. In this article, we’ll review Tata AIG travel insurance for the USA and see how it compares to other insurance providers.
What is Tata AIG Travel Insurance?
Tata AIG travel insurance is a product offered by Tata AIG General Insurance Company Limited, a joint venture between Tata Group and American International Group, Inc. (AIG). The company provides various insurance products, including travel insurance, health insurance, motor insurance, and home insurance. Tata AIG travel insurance is available for individuals, families, and corporate travel groups, and it covers a wide range of travel-related risks.
What Does Tata AIG Travel Insurance Cover?
Tata AIG travel insurance for the USA provides coverage for various expenses related to travel, such as emergency medical treatment, hospitalization, evacuation, trip cancellation or interruption, loss of passport or baggage, and personal liability. The policy also covers any sports or adventure activities that are part of your travel itinerary. The coverage may vary depending on the type and duration of the plan, but it generally includes the following:
How to Buy Tata AIG Travel Insurance?
You can buy Tata AIG travel insurance for the USA online by visiting their website or through their partners or agents. The process is simple and involves filling out an application form, selecting the type and duration of the plan, and making a payment. You will receive a policy document and an ID card by email, which you should carry with you during your travel. You can also download their app for easy access to your policy and to file a claim if necessary.
How to Make a Claim with Tata AIG Travel Insurance?
If you need to make a claim with Tata AIG travel insurance, you can do so online or by calling their 24/7 customer service hotline. You will need to provide your policy number, the details of the incident, and any supporting documents or receipts. The company will assess your claim and provide you with the necessary assistance or compensation. It’s important to file a claim as soon as possible and to keep all the relevant documents to expedite the process.
What Are the Pros and Cons of Tata AIG Travel Insurance?
Like any other travel insurance product, Tata AIG travel insurance for the USA has its advantages and disadvantages. Here are some of the pros and cons:
- Comprehensive coverage for various travel-related risks.
- Flexible plans for individuals, families, and groups.
- 24/7 customer service and online claims filing.
- Easy to purchase online or through partners.
- Some exclusions and limitations apply, depending on the plan and policy terms.
- Higher premiums for more extensive coverage.
- May not cover pre-existing medical conditions or high-risk activities.
- May require additional documentation or verification.
Conclusion:
If you’re planning to travel to the USA, having travel insurance is a smart choice. Tata AIG travel insurance is one of the options available, and it provides comprehensive coverage for various travel-related risks. However, it’s important to review the policy terms and compare prices and benefits to find the best plan for your needs. You can use online tools and resources to compare travel insurance providers and get quotes from multiple sources. Make sure to read the fine print and understand the coverage, exclusions, and limitations before making a decision.
Outlook Money Spotlight
Why Prefer Tata AIG For Your Next International Trip With Family
Advertisement.
Excitement fills the air as you plan your next international family adventure. From exploring ancient ruins to conquering thrilling water parks, you envision unforgettable memories. But what happens if unexpected events disrupt your dream getaway?
Medical emergencies, trip cancellations or lost luggage can ruin your vacation. Travel insurance offers peace of mind and financial security.
Here, we will explore why Tata AIG could be the perfect travel insurance partner for your upcoming international family trip. We will look at their features to understand why you should choose them as your international travel companion.
What is an International Travel Policy and Why Do You Need One?
Imagine this – you are in the heart of Switzerland, marvelling at the stunning landscapes, when suddenly your child falls ill. Medical care abroad can be expensive, and navigating an unfamiliar system can be stressful. This is where an international travel plan from Tata AIG steps in.
A family travel insurance plan is a comprehensive insurance policy designed specifically for trips outside your home country. It acts as a safety net, protecting you and your family from unforeseen financial burdens that may arise during your adventure.
Features of Tata AIG Travel Insurance
Tata AIG's international family travel insurance plans go beyond the basics, offering a range of features designed to ensure a smooth and stress-free travel experience for your entire family.
Here are some of the insurance features that make Tata AIG one of the top choices for international jet setters from India:
Baggage Loss or Delay: Lost luggage can disrupt your travel plans. Tata AIG reimburses you for essential purchases like toiletries and clothing in case of delayed baggage and compensates you for the complete loss or damage of your checked-in luggage.
24/7 Travel Assistance: Facing an unfamiliar medical situation abroad can be daunting. Tata AIG's 24/7 multilingual helpline is there to assist you anytime, anywhere. Their dedicated team can help locate trusted medical providers, arrange cashless hospitalisation, and even provide medical advice over the phone.
Personal Liability: Accidents happen. If you unintentionally cause injury or property damage to someone while abroad, Tata AIG's personal liability coverage can help you financially.
Comprehensive Medical Coverage: Tata AIG understands that medical emergencies are a primary concern, especially when travelling with family. Their plans offer coverage for hospitalisation expenses, doctor consultations, medications, and even emergency medical evacuation, ensuring you receive the best possible care without financial burden.
Automatic Extensions: Sometimes, your trip might be extended due to some unforeseen circumstances. Tata AIG’s automatic extension feature ensures your travel insurance coverage continues for a limited period at no additional cost, providing peace of mind during unexpected situations.
Benefits of Buying Tata AIG International Travel Insurance
Tata AIG international travel insurance offers a multitude of benefits that go beyond just financial protection, ensuring a smooth and stress-free travel experience.
Convenience at Your Fingertips: Gone are the days of lengthy paperwork and visits to insurance agents' offices. Tata AIG allows you to purchase your travel insurance policy instantly online in a few simple steps. This saves you valuable time and allows you to focus on planning your dream international trip.
Premium in Rupees, Coverage in Dollars: You can pay your insurance premium in rupees, and you will receive coverage in US dollars. This ensures you receive adequate reimbursement for medical expenses and other covered claims in the country you are visiting.
Budget-friendly Protection: Tata AIG understands that travel costs can add up. They offer a range of affordable travel insurance plans to suit various budgets. Whether you are on a short weekend getaway or an extended family vacation, you can find a plan that provides comprehensive coverage without compromising on affordability.
Peace of Mind with COVID-19 Coverage: The pandemic added a new layer of uncertainty to travel. Tata AIG plans offer comprehensive coverage for COVID-19-related medical expenses, including hospitalisation, ensuring you are protected if you or a family member contracts the virus while abroad.
Three Things to Consider Before Buying International Travel Plans
With a variety of international travel plans available, selecting the right one for your family trip is crucial. Here are three key factors to consider:
Travelling Frequency: How often do you travel internationally? If you are a frequent flyer, you should opt for annual multi-trip insurance. This will cover all your international adventures throughout the year. Also, this could be a much more cost-effective option as compared to a new insurance plan for every single trip. However, if you are planning a one-time family vacation or solo trip, a single-trip insurance plan is the best suited.
Health Considerations: Pre-existing medical conditions require special attention. Disclose any pre-existing conditions during the policy purchase to ensure you receive proper coverage.
For those with specific health concerns, you should choose travel medical insurance plans with enhanced medical coverage.
Trip Duration: The length of your trip also plays a crucial role in choosing the right plan. Shorter trips may require a basic coverage plan, while extended vacations might benefit from a more comprehensive plan with higher coverage limits.
By choosing Tata AIG international family travel insurance, you are not just safeguarding your finances; you are investing in peace of mind for the entire family (of the group travelling).
It allows you to relax and focus on creating lasting memories with your loved ones, knowing that you are covered if anything unexpected occurs.
MOST POPULAR
Your personal information will be collected by Qwikcilver for the purchase of the gift voucher. Do you want to continue?
Membership ID:
- Main Menu ×
- Search Flights
- Corporate Travel Programme
- Group Booking
- Special Offers
- Travel Insurance
- Flight Schedule
- Check In Online
- Manage Booking
- Seat Selection & Upgrades
- Self-Service Re-accommodation
- Request Refund
- Flight Status
- Nonstop International Flights
- Popular Flights
- Partner Airlines
- Baggage Guidelines
- Airport Information
- Visas, Documents and Travel Tips
- First-time Travellers, Children and Pets
- Health and Medical Assistance
- At the Airport
- Transforming Experiences
- The Air India Fleet
- About Flying Returns
- Sign In/Sign Up
- Our Partners
- Family Pool
- Earn Points
- Spend Points
- Upgrade Cabin Class
- Points Calculator
- Customer Support
What are you looking for?
Buy Travel Insurance with Tata AIG
Get travel insurance for peace of mind
Travel insurance offers protection against unexpected disruptions—and associated financial risks—during your domestic or international travel. Be it a medical emergency, loss or delay of checked-in baggage, flight delays, trip cancellations, or similar unforeseen events, travel insurance gives you the freedom to enjoy your trip worry-free.
A medical emergency during your trip, for example, can be costly. With proper travel insurance, you have no reason to worry about ballooning expenses and can take on the challenges as they come your way.
Tata AIG Travel Insurance to the Rescue
Safety is a priority when travelling. Get yourself insured with Tata AIG travel insurance and safeguard your journey in advance.
Top features of Tata AIG Travel Insurance
Depending on your policy, Tata AIG travel insurance has the following features:
Round-the-clock assistance
Hassle-free claim procedure
Medical coverage
Passport loss
Travel disruptions
Baggage issues
Theft (Limited to loss of cash)
Who can buy travel insurance?
You can purchase the Tata AIG travel insurance if you’re an Indian resident and your journey originates from India. Insurance can be purchased for both domestic and international travel.
How it works?
You can buy Tata AIG travel insurance as an add-on service when you book your flight tickets. If you have already made a booking and would like to purchase insurance, please go to Manage Booking .
Travel Insurance FAQ
Eligibility and benefits.
Find out whether you’re eligible for travel insurance before purchasing it.
Coverage and medical treatment
Find out the types of medical treatment you’re eligible for with TATA AIG travel insurance.
Claims and customer support
Are you facing issues when you’re trying to initiate your claim? Don’t worry, we have got you covered.
Policy details and changes
Do you want to make changes to your existing policy? Find out how you can do it hassle-free.
Policy documents & TCs
TATA AIG Insurance Online
- TATA AIG Insurance
- Family travel insurance
TATA AIG travel insurance for Family travellers
Why is it important to buy family travel insurance.
Travelling to foreign countries is one of the most thrilling experiences for travel enthusiasts. Indian travellers plan their holiday, business trips… regularly depending on the opportunities and free time. While planning an overseas journey, travellers should always be aware of medical insurance coverage in case of an emergency while overseas.
TATA AIG travel insurance India, TATA AIG international travel insurance
You can buy Travel Guard policy online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque
Travelers who have already traveled from India and do not have insurance can buy TATA AIG travel insurance online.
Calculate the international travel insurance premium for Indian travelers and senior citizens travelling overseas
In case of Claim or reimbursement of treatment expenses, notify TATA AIG overseas travel insurance.
Download TATA AIG Travel Guard brochure online!
Travel insurance customers can renew their existing policy online before the exipry date at any time.
Travel insurance from TATA AIG
Travel insurance, student insurance, senior insurance, health insurance, schengen insurance, annual insurance, pre-existing insurance, covid insurance, what does tata aig travel insurance cover.
The plan covers for medical expenses due to accident and sickness while traveling outside India.
Reimbursement for loss of checked in baggage.
Coverage for expenses incurred in obtaining a duplicate or new passport.
The policy pays for immediate dental treatment occurring due to sudden acute pain during an overseas insured journey.
Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.
In the unfortunate event of the common carrier being hijacked, plan will pay a distress allowance.
Reimbursement of additional expenses due to trip delay (only if the trip is delayed for more than 12 hours).
Travel Guard gives worldwide coverage against Accidental Death and Dismemberment while abroad.
Reimbursement for reasonable expenses incurred for purchase of emergency personal goods due to delay in arrival of checked in baggage while overseas.
Find out more about TATA AIG Travel Guard insurance
Travel insurance FAQ's
Answers to FAQ related to TATA AIG Travel Medical Insurance for visitors from India.
Travel insurance reviews
TATA AIG Travel Insurance Reviews - Customer experiences and testimonials.
Popular travel destinations
TATA AIG travel insurance for popular travel destinations.
Travel insurance customer care
TATA AIG Travel insurance customer care information for Indians travelling overseas.
Travel health insurance from TATA AIG
You can find different sections of insurance types here.
- Get best quotes for TATA AIG travel insurance for above 80 years old
- Pre-existing coverage travel insurance
Parents travel insurance
Individual travel insurance.
Seniors above 80 years
TATA AIG Overseas medical insurance for senior citizens above 80 years.
Explore »
Pre-existing coverage
TATA AIG travel insurance for pre-existing conditions.
International travel insurance for Indian parents overseas.
TATA AIG individual overseas travel insurance online
Resourceful TATA travel insurance links
TATA AIG travel insurance for Indians traveling overseas.
Business travelers making multiple trips overseas annually can buy the annual multi trip travel insurance.
TATA AIG Asia Travel Guard insurance for Indians going to other Asian countries.
Senior travelers up to the age of 90 years can opt for TATA AIG travel insurance coverage.
Applying for Schengen visa? Then this TATA AIG Schengen insurance is a good option to go for!
Compare and buy TATA AIG domestic travel insurance.
Search TATA AIG travel insurance
Travel insurance to Australia
Travel insurance to Canada
Travel insurance to USA
Travel insurance to UK
Travel insurance to New-Zealand
Travel insurance to Dubai
Travel insurance to Thailand
Travel insurance to Singapore
Travel insurance to Malaysia
Travel insurance to Africa
Travel insurance to Bali
Travel insurance to Mauritius
Travel insurance to Srilanka
Travel insurance to Vietnam
Travel insurance to Seychelles
Travel insurance to Egypt
Travel insurance to South Africa
Travel insurance to Kenya
Travel insurance to Tanzania
Travel insurance to China
Travel insurance to Japan
Travel insurance to Maldives
Travel insurance to Hong-Kong
Customers Testimonials
I would highly recommend nriol.com and Tata AIG for travel insurance. The purchase process was simple, the people were helpful and the rates were competitive. But, most importantly, my claim was settled promptly without much bureaucracy.
Thanks a lot for the speedy response and sending me the policy pdf. This is very useful and will be helpful for my parent's travel. I really liked the quick customer service and very happy with the response.
Thank you very much for your amazing service and response. I am really satisfied with the service and support of NRIOL. This is the second time I have benefited from the excellent service of NRIOL. I would surely recommend NRIOL to anyone looking to buy insurance for travelling abroad.
Hi NRIOL team Thanks, I have received the policy. Much appreciate your help and time.
Do you need health insurance?
New addition to your family? GET THEN INSURED Find Affordable HEALTH INSURANCE!!
Do you need travel insurance?
Is your family visiting you? GET THEN INSURED Find Affordable TRAVEL INSURANCE!!
Do you need domestic travel insurance?
Get free quotes and buy Indian Domestic travel insurance plans offered by TATA AIG.
TATA AIG CITATION
Mr. Jaideep Deorukhkar, Head Travel Services at Tata AIG says "NRIOL has been one of our key partners in India for the past 16 years and has been pivotal in providing Tata AIG customers an opportunity to purchase their TATA AIG travel insurance online".
- Call : (080)-41101026
- Contact
- Chat with us
- International Travel Insurance
- Student Insurance
Asia Travel Insurance
- Senior Citizen's Insurance
Schengen Travel Insurance
- Overseas Family Travel Insurance
- Annual Multi Trip
- Coporate Travel Insurance
Domestic Travel Insurance
- Pre Existing Coverage Insurance
- Group Travel Insurance
- Visitor insurance no sub-limits
- Destinations
- Compare Plans
- Knowledge Center
- Resource Center
Visa free countries for Indians
Visa on arrival for indians.
- Customer Feedback
- Insurance Articles
- Customer Testimonials
- Insurance News
- Insurance Glossary
- Insurance FAQ
TATA AIG vs Reliance Travel insurance
Email me the results, compare tata aig vs reliance travel insurance.
- *** NA - Not available
Unique Features of Tata AIG
- Joint Venture between Tata Group and AIG, one of the largest General Insurers in the world. Leading Travel Insurer in India known for prompt claims settlement.
- TATA AIG’s Accident & Sickness Sum Insured is per incident/claim and not per trip. Hence it is possible that with TATA AIG Travel Insurance, the customer can have multiple claims, each time the Sum insured is restored back to the maximum benefit limit.
- Policy is available for all entry ages under different plans from the age of 6 months onwards till 70 years of age for all plans except the Senior Citizen plan, which has an entry age of 71 years
- Medical Sublimits under TATA AIG’s Travel Insurance starts from the age of 56 years.
- No Medical Check-up for traveller of any age upto any sum insured. Senior citizens (71-99 years) can also get $50,000 coverage for 180 days without any medical check up.
- TATA AIG’s Travel insurance policies can be renewed for180 days and upto a maximumduration not exceeding 360 days, for travellers below 70 yearsand upto a maximum of 180 days for 70+ travellers
- Pre-existing ailments or medical conditions are covered up to $1500 only incase of life threatening situations.
- Worldwide Travel & Medical Assistance is provided by AIG Travel Assist, who have one of the largest network of hospitals in USA and across the world. They also have 8 alarm centres across the world supporting travellers on medical and non medical needs.
Unique Features of Reliance
- Reliance General Insurance is part of the Reliance Anil Ambani Group (ADAG) and offers Travel Insurance for Indians travelling abroad or within India.
- Reliance Travel Insurance ensure zero paperwork and affordable premiums to ensure their customers have a smooth holiday. Choose from a variety of plans – for individuals or for the entire family.
- The duration of your trip does not matter – Reliance covers trips upto a duration of 182 days with extensions available up to 365 days.
- Travelers from 6 months to 90 years can be covered under Reliance Travel Insurance Plans with Senior citizens aged between 71-90 years can buy the Reliance Senior plan without submitting any medical reports.
- Pre existing diseases are covered in case of life threatening situations only for travellers up to 70 years. There are Sickness Medical Sublimits from the age of 61 years onwards.
- The Sum Insureds for each benefit are per policy period, which means there is no restoration of sum insured once a claim has been filed.
- Automated extension of your policy The policy will be extended in case of a medical emergency and evacuation (up to 30 days) and delay of common carrier (up to 7 days).
- Some of the pre existing diseases which are not covered by Reliance travel insurance plan are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes.
- The traveller can avail Cashless Claims (for Inpatient Treatment) and also have access to National and International Assistance Numbers when abroad. These services are provided through Reliance’s Travel Assistance Partner, Europ Assistance.
Important Points of TATA AIG
- TATA AIG has policy maximum coverage per claim . Therefore it is possible that with TATA AIG, customer can have multiple claims, each for the policy maximum.
- Sublimits for TATA AIG travel starts from the age of 56 years.
- Sum total of coverage days for new policy and / or subsequent renewals cannot exceed 180 days for 70+ travelers
- Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.
- Pre-existing ailments or medical conditions are covered up to $1,500 only incase of life threatening situation
- Renewal of Annual Multi Trip policies will now be extended even beyond 70 years of age.
Limitations of TATA AIG
- Accident & Sickness Medical Expense is limited to $10,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable.
- Accidental Death and Dismemberment Benefit is limited to $5,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable.
- Accidental Death and Dismemberment Benefit is limited to 10% of Principal Sum Insured for Insured Person with age 17 years or below.
Important Points of Reliance
- Reliance offers benefits per policy period.
- Medical Sublimits for Reliance starts from the age of 61 yrs.
- Travelers from 6 months to 90 years can buy the insurance for 182 days
- Reliance can be renewed up to 182 days, Sum total of initial and each subsequent renewal not exceeding 360 days
- Senior citizens aged between 71-90 years can by the Reliance senior citizen insurance without giving any medical reports
- Covers pre-existing ailments in case of life threatening situations if declared (other than the critical illness)
- Pre existing diseases are covered in case of life threatening only for travelers up to 70 years.
- Some of the pre existing diseases which are not covered by Reliance travel insurance plan are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes
Compare other travel insurance plans among popular companies
India travel insurance blogs and articles, tips to find best travel insurance.
Tips to find good and adequate international travel health insurance.
Health care cost comparison
Comparison of overseas Healthcare cost and popular tourist destinations.
How does travel insurance work
How to use visitor insurance in case of sudden sickness and accidents.
Visa free countries for Indians - Check, list of visa free countries where Indian passport holders can travel without visa.
Indian passport holders have the benefit of visa on arrival in different countries – find travel insurance suitable for visa on arrival.
India travel insurance useful links
How to buy online.
You can buy insurance online by using a credit/debit card, UPI, direct funds transfer using NEFT or RTGS or by using a cheque.
Already outside India
Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.
Online Renewal
Insurance customers can renew their existing policy online before the exipry date at any time.
Insurance Claims
In case of a claim or reimbursement of treatment expenses, notify by contacting them.
Tips on air travel
Tips on Air Travel – Safety, Comfort and Wellness. Air travel tips for first time.
How are Claims settled?
Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.
How to use Indian visitor insurance in case of sudden sickness and accidents
Healthcare cost overseas comparison
Comparison of healthcare cost in Indian and other popular Indian tourist destinations
Tips to find good and adequate international travel insurance from finest insurance companies in India
Indian travel insurance resources
Travel insurance india.
Best Indian visitors medical Insurance plans available for overseas travel.
Student Travel Insurance
Buy Student medical insurance and travel abroad for a peaceful and secured studies
Multi-trip Travel Insurance
Buy Overseas Multi Trip travel medical insurance online
International travel medical insurance for Europe from India
Buy Asia travel insurance online and travel abroad for a safe travel overseas
Buy Domestic Travel Insurance online for travelling within India
Family Travel Insurance
Family Floater insurance in India to cover all members of the family on a vacation.
Senior Citizen Insurance
What are the normal coverages under a Maternity Insurance Plan?
Travel Insurance FAQ's
International Travel medical insurance frequently asked questions
- call +91-(80)-41101026
- Chat with us
TATA TRAVEL
INSURANCE AGENCY
A dvisor Code: AIG2311020000
Call us today for a quote
INDIA 91- 9810794545
Fill out this form
Get a quote.
Even though many people may think that buying traveller insurance is a waste of money, the fact is, it’s an essential part of international trips. If you wish to save your time as well as money when travelling abroad, it’s prudent to buy travel insurance from a reputed insurer.
Every traveller’s needs and circumstances are different. If you need to travel out of the country for work more than once a year, you will have a few set expectations from a travel insurance policy. So, you need to choose a plan that would offer extensive coverage against medical as well as personal liabilities. Let’s find out what exactly is an annual multi-trip insurance plan.
Annual Travel Insurance Policy
If you are fond of travelling or if you need to travel outside the country more than once yearly, then you need to opt for a travel insurance policy without fail. An annual travel insurance policy will not only safeguard your finances during the trip but will also ensure that you are away from unnecessary expenses related to health and safety.
An annual international travel insurance plan, also known as annual multi-trip travel insurance, is specifically designed for frequent flyers. These insurance policies cover several trip-related exigencies. So, if you plan to travel out of the country more than once a year, instead of buying separate traveller insurance, it’s better to opt for a multi-trip policy.
So, if you are a business owner or work in a multinational company that needs you to travel outside the country pretty often, or if you are simply fond of travelling out of the country often, Tata AIG’s annual travel insurance policy can secure your trips and provide unmatched financial coverage against different kinds of trip-related emergencies.
Features of Annual Multi Trip Travel Insurance
If you are thinking about buying an annual travel insurance policy, you need to be aware of its features. Let’s learn about a few of them below-
Unlimited Trips in a Year: With annual multi-trip travel insurance, you can get coverage for an unlimited number of trips in a single year, with each trip having a duration of 30-45 days. This way, it will be cost-saving on your part to just pay the premium for one single policy rather than paying for multiple policies yearly.
Trip Assistance: Suppose you need to cancel or postpone or prepone your trip abroad due to some reason, the policy will compensate for the loss. Also, your flight may get delayed or cancelled and hence, you will be reimbursed for the unused and non-refundable amount of all your bookings like hotels, trips, flights, etc.
Flight delay or cancellation: You might miss a flight because of delays or because your first flight got canceled. With a multi-trip travel insurance plan, you will be compensated if your flight is canceled or delayed.
Unmatched Medical Support: When travelling abroad, you may fall ill and therefore, you might have to visit a doctor or get admitted to a hospital. You may even meet with an accident that may require you to get treated in a local hospital. And as we all know, medical costs abroad are expensive and hence, you may end up blowing off your entire budget on paying for your medical bills. But with an annual travel policy, your medical treatment costs will be taken care of by the insurer.
Loss of Baggage and Passport Coverage: If you end up losing the passport of your luggage during the trip, you can make a travel insurance claim and the insurer will cover all the costs of a replacement for your lost belonging. For your lost checked-in luggage, your total cost would be compensated by the travel plan.
Repatriation and Death Coverage: In case of the traveller’s (policyholder’s) sudden death or permanent disability during the trip, the repatriation of the body or the treatment expenses would be covered under the annual travel insurance policy.
Hijack Cover: If in case your plane gets hijacked, according to the policy terms and conditions, you’d be compensated for the distress caused to you during such an unfortunate incident.
Advantages of Annual Travel Insurance
There has been a rise in people travelling abroad for work and leisure. Most of the countries, keeping in mind the current post-pandemic scenario, expects their travellers to have a valid traveller insurance plan in hand. So, if you need to travel outside India more than once a year, it’s advisable for you to buy an annual travel insurance policy. If you are still not sure whether you’d need one or not, here is a simple list of great advantages that you will get with an annual multi-trip travel insurance policy in hand –
One single policy will provide you extensive coverage against several exigencies that may occur to you during multiple trips abroad in a single year.
Such policies come with an automatic cancellation cover that will allow you to claim reimbursement for a missed flight or cancelled hotel bookings.
You will not have to worry about buying a travel insurance plan every time you book your ticket for a trip abroad during a single year.
Such policies offer easy renewability options and you can also choose different cover plans along with the main insurance policy to make the policy more robust.
From medical emergencies to any other personal liability, an annual travel insurance policy will cover it all.
At Tata AIG, we have some of the best-suited annual multi-trip insurance policies for you.
Eligibility Criteria
The eligibility criteria to opt for multi-trip travel insurance varies from one insurer to another. However, the basic requirement of being able to buy one such policy is that you need to be between the age of 3 months to 70 years.
Travel Insurance
Thanks for submitting!
HOURS & LOCATION
World Trade Center .
Connaught Place, New Delhi-110001 [email protected]
T : 91.11.41090545
M : 9810794545
Monday - Friday
10:00 am to 5:00 pm
Saturday
10:00 am to 1:00 pm
Evenings by Appointment
Easily Organize, Claim and Renew Insurance!
TATA AIG General Insurance – Compare Plans, Features & Benefits
Tata AIG General Insurance Company Limited is a well-known private insurer founded in the year 2001. It is a joint venture between the Tata Group and American International Group (AIG). The company offers various lines of non-life insurance products that include home insurance, motor insurance, travel insurance and health insurance, commercial insurance and rural insurance and more. Tata AIG insurance is a trusted brand in providing innovative risk solutions. Let’s take a look at certain facts about the company.
- The company has an asset base of approximately INR 10,050 Cr (as on 31st March 2019).
- The company has a widespread network of branches of more than 200 offices, 22,000 + licensed agents and other such employees and claim experts.
- The company offers various well-thought-out products under the commercial and personal segments with various financial covers.
- Tata AIG insurance has celebrated 16+ years of experience
- The company was awarded as ‘’Best Employer of the Year’’ by Asia Insurance Review, Singapore
- The company was awarded as ‘’Claims Service Company of the Year’’ by Indian Insurance Awards 2012
- The company was recognised as ‘’Best Travel Insurance Company of the Year’’ by CNBC Awaaz Travel Awards 2013
Types of Products Offered by Tata AIG General Insurance
Tata AIG General Insurance Company offers a variety of products in its product portfolio which can suit changing and varying needs of various customer segments such as retail, commercial and rural. Following are the types of products offered by the company:
Personal Category
- Travel Insurance Plans
- Motor Insurance Plans
- Health Insurance Plans
- Home Insurance Plans
- Accident Insurance Plans
Pradhan Mantri Fasal Bima Yojana (PMFBY)
Rural insurance plans.
Business Category
- Small Business Insurance Plans
- Fire and Engineering Insurance Plans
- Marine Cargo Insurance Plans
- Casualty Insurance Plans
Let’s learn various plans available in the personal category
Tata AIG Health Insurance Plans
Health is wealth. But health emergencies can come unexpectedly. Considering the rising healthcare inflation, having adequate health insurance is the need of the hour. Tata AIG Insurance offers a variety of health plans to suit the diverse healthcare needs of people with 3,000+ network hospitals across the country. Following are the plans offered by the company:
1. Tata AIG MediCare Plan
MediCare is a comprehensive health insurance plan offered by Tata AIG Insurance Company. This policy can be availed on an individual or on a family floater basis. With some amazing features and additional benefits, MediCare provides complete protection against unexpected health contingencies.
Features of Tata AIG MediCare Plan
- Global cover for hospitalisation (inpatient and daycare) provided that the diagnosis was made in India
- Major benefits include restoration of the sum insured, bariatric surgery cover, in-patient treatment, pre and post hospitalisation cover, cumulative bonus, daycare procedures, vaccination cover, domiciliary treatment, organ donor and AYUSH (Ayurveda, Unani, Sidha and Homeopathy) cover.
- Additional benefits are provided such as second opinion, ambulance cover, hearing aid, in-patient dental cover, compassionate travel and consumables benefits etc
- Accidental death benefits can be availed optionally.
- Discount on premium rate for availing cover for long-term and for family
- Flexibility to choose the policy tenure – one or two or three years
Eligibility Criteria for Tata AIG MediCare Plan
2. Tata AIG Medicare Premier Plan
It is a comprehensive health plan with extensive coverage. This can be availed as an individual or as a family floater plan. The plan offers various innovative and beneficial features.
Features of Tata AIG Medicare Premier Plan
- Worldwide cover for medical expenses relating to inpatient and daycare hospitalisation provided that the diagnosis was made in India
- Main benefits offered include the automatic restoration of the sum insured, bariatric surgery, in-patient treatment, pre and post hospitalisation, domiciliary treatment, ambulance cover, AYUSH benefits, daycare procedures, accidental death benefit, maternity benefit, organ donor cover, vaccination cover, compassionate travel and consumable benefits
- Additional special benefits like the second opinion, hearing aid, emergency air ambulance, high-end diagnostics, first-year vaccinations for baby, prolonged hospitalisation and OPD dental treatment etc.
- Flexibility to choose the policy tenure between one to three years
- Discounts on including family members and for long-term coverage
Eligibility Criteria for Tata AIG Medicare Premier Plan
3. Tata AIG MediCare Protect Plan
MediCare Protect is a simple and comprehensive plan that covers major health contingencies. Plan can be availed as an individual or on family floater basis.
Features of Tata AIG MediCare Protect Plan
- Major benefits offered by the plan are restoration benefit, daycare procedures, cumulative bonus, consumables benefit, in-patient cover, organ donor, ambulance cover, domiciliary treatment, pre and post hospitalisation cover, compassionate travel and AYUSH benefits
- Health check-up and accidental death benefits are offered additionally
Eligibility Criteria for Tata AIG MediCare Protect Plan
4. Tata AIG Wellsurance Executive Plan
This plan offered by Tata AIG insurance is a plan that covers major health emergencies along with critical illness. The policy comes with many unique features and benefits.
Features of Tata AIG Wellsurance Executive Plan
- Along with hospitalisation and post hospitalisation expenses cover, the policy offers many value-added services like free health line, health query and wellness and e-newsletter etc
- Critical illness benefit for 9 major illnesses with major and minor surgical benefits
- Flexibility choose the coverage in 3 different variants – Classic, Supreme and Elite
- Additional benefits like convalescence and ambulance benefit
Eligibility Criteria for Tata AIG Wellsurance Executive Plan
5. Tata AIG Wellsurance Woman Plan
The policy is specially crafted for women to cover the 11 major critical illnesses.
Features of Tata AIG Wellsurance Woman Plan
- Along with ambulance charges, ICU charges and cosmetic reconstruction surgery, the policy offers coverage for many value-added services like free health line, health query and wellness and e-newsletter etc
- Coverage for critical illnesses suffered by women
- Flexibility to choose among 3 variants – Classic, Supreme and Elite
Eligibility Criteria for Tata AIG Wellsurance Woman Plan
6. Tata AIG Wellsurance Family Plan
It is a single plan to protect the entire family against health contingencies. The policy covers 11 major critical illnesses on the diagnosis.
Features of Tata AIG Wellsurance Family Plan
- Along with intensive care unit benefit, ambulance charges and hospitalisation cover, there are many value-added services like free health line, health query and wellness and e-newsletter etc are offered by the policy
- Additional benefits offered are in-hospital benefits for accident and sickness, convalescence and education benefit
- The policy provides coverage for 11 major critical illnesses (specified)
- Flexibility to choose the plan among 3 variants – Classic, Supreme and Elite
Eligibility Criteria for Tata AIG Wellsurance Family Plan
7. Tata AIG Critical Illness Policy
This plan is specially crafted by Tata AIG insurance to protect the insured against various critical illnesses. The policy pays out a lump sum benefit.
Features of Tata AIG Critical Illness policy
- Worldwide protection cover for various critical illnesses such as cancer, heart attack, stroke, CABG, organ transplant, kidney failure, blindness, bone marrow transplant, multiple sclerosis, major burns and paralysis.
- Facility to enhance the sum assured
- Coverage for the second opinion
Eligibility Criteria for Tata AIG Critical Illness policy
Tata AIG Home Insurance Plans
House is the costliest and most treasured asset that one owns. It’s important to protect the house from various unforeseen circumstances. Home insurance plans provide protection to the property against various types of risks such as accidents, thefts and perils damage. Tata AIG Insurance offers a variety of home insurance plans to cater to the diverse needs of people. Following are the plans offered by the company:
1. Tata AIG Instachoice Plan
It is a self-insurance product that allows individuals to choose, customise and design their own home insurance plan instantly.
Features and Benefits of Tata AIG Instachoice Plan
- The policy can be easily and instantly purchased without any documentation
- Flexibility to decide the premium amount based on the coverage chosen
- Covers domestic appliances as old as 8 years
- Offers burglary cover for jewellery
- Coverages include fire and special perils, rent for alternative accommodation, public liability, burglary and theft, baggage loss, auto and audiovisual appliances, breakdown of domestic appliances, purchase protection and personal accident.
2. Tata AIG Home Secure Supreme Plan
It is a flexible home insurance plan offered by Tata AIG insurance with customisable features. The policy offers 15 comprehensive coverage options to choose from.
Features and Benefits Tata AIG Home Secure Supreme Plan
- Coverages include fire and special perils, public liability, burglary, pedal cycle, baggage loss, auto and audiovisual appliances, ambulance charges, medical expenses, breakdown of domestic appliances, expenses for temporary resettlement, purchase protection and personal accident.
- All risk cover jewellery and valuables
3. Tata AIG Home Coupon Plan
This plan provides on the spot coverage to home with minimal documentation
Features and Benefits of Tata AIG Home Coupon Plan
- The policy provides coverage for fire and allied perils and for burglary on 1st loss
- The plan provides on the spot coverage
4. Tata AIG Standard Fire and Special Perils Plan
This plan provides coverage for the house against fire and some special perils. Anyone residing in a self-owned or rented house can buy this cover.
Features and Benefits of Tata AIG Standard Fire and Special Perils
- Coverage includes fire, lightning, explosion/implosion, riot, strike and malicious damage, aircraft damage, impact damage by road, rail, and animal by direct contact, bush fire, landslide, rockslide, floods, storm, inundation, missile testing operations and earthquakes.
Tata AIG Motor Insurance Plans
Car or bike is one of the most valuable assets owned by individuals. A lot is spent on choosing the dream model, it’s important to protect them from any unforeseen contingencies. Availing comprehensive motor insurance is the ideal way. Motor insurance is also a legal compulsion in India. It’s mandatory to have third-party liability motor insurance cover for any vehicle to ply on Indian roads. Following are the motor insurance policies offered by Tata AIG insurance.
1. Tata AIG Auto Secure – Private Car Package Policy
Tata AIG Auto secure – private car policy is a comprehensive car insurance policy offered by Tata AIG insurance. The policy is customisable along with providing extensive coverage. Following are the coverages offered under the plan:
- Fire, explosion
- Lightning or self-ignition
- Riot and strike
- Earthquake (fire and shock damage)
- Malicious act
- Accidental and external damage
- Flood, hurricane, typhoon, storm, inundation, tempest, hailstorm and cyclone
- Terrorist activity
- Theft, burglary or housebreaking
- While in transit by road, rail, inland waterways, air, lift or elevator
- Landslide or rockslide
- Burglary, housebreaking or theft
- Death or bodily injury caused to a third party (including occupants carried in the vehicle)
- Damage to property of the third party
- Personal accident cover for owner-driver Tata AIG insurance compensates for bodily injury/ death sustained by the owner-driver of the vehicle up to INR 15 lakhs, in direct connection with the vehicle insured. The scale of compensation depends on the nature of the injury
- 13 add-ons on Tata AIG Auto Secure – Private Car Package Policy The policy offers 13 different add-ons such as depreciation reimbursement, return to invoice, roadside assistance and no claim bonus protection and many more to allow customisation. These add-ons can be included to the base cover depending on the requirement at an additional cost of the premium.
2. Tata AIG Auto Secure – Two Wheeler Package Policy
Two-wheeler insurance package of Tata AIG insurance provides comprehensive coverage against all possible risks. Following are the coverages offered:
- Death or bodily injury caused to a third party including occupants carried in the vehicle
- Damage to third party property
- Personal accident cover for owner-driver Tata AIG insurance will pay for accidental death or bodily injury sustained by the owner-driver of the vehicle.
- Add-ons on Tata AIG Auto Secure – Two Wheeler Package Policy
Add-ons to customise the cover are offered such as consumable cover, emergency medical expenses and personal accident cover for unnamed persons etc.
3. Tata AIG Long Term Two Wheeler Package Policy
This plan provides comprehensive cover for the long-term. Following are the coverages provided
- Death or bodily injury caused to a third party including occupants carried in the vehicle – unlimited cover
- Damage to third party property – up to INR 100,000
- Personal accident cover for owner-driver
Tata AIG insurance will pay for accidental death or bodily injury sustained by owner-driver of the vehicle for up to INR 15 lakhs
4. Tata AIG Auto Secure – Commercial Vehicle Package Policy
A commercial vehicle is a livelihood for many. The policy provides complete protection against various contingencies related to a commercial vehicle. Coverage is provided for goods carrying vehicle, taxis, passenger-carrying vehicles, tractors, cranes and trailers. Following are the covers offered.
- Liabilities arising out of the third party when the commercial vehicle is involved in road accidents
- Financial loss arising out of theft or accidental damage to the vehicle insured
- Coverage extension through six different add-ons
Tata AIG Travel Insurance Plans
Travelling is an exciting experience. Be it for leisure or for business, be it a solo trip or with the family, be it a domestic or international trip, the entire journey needs to be hassle-free and cherishable. Travel insurance offered by Tata AIG insurance provides complete protection against any adverse situations, both medical and non-medical during the travel. Tata AIG insurance is known to provide round the clock worldwide assistance. Following are the various travel plans offered by Tata AIG insurance:
1. Tata AIG Travel Guard Plan
Tata AIG Travel Guard Plan is an international health insurance policy offered by Tata AIG insurance to provide comprehensive coverage against various non-medical and medical risks during travel overseas. The coverage includes checked-in lost baggage, misdirected or delayed baggage, home burglary, loss of passport, hijacks, flight delay, unavailability of flights, cancelled bookings of accommodation and personal liability etc. Medical coverage in the policy includes accidental death and injury, dental treatment, sickness, emergency transportation and pre-existing condition or any other complications are covered. The policy cover can be availed on multi-trip or single trip basis. Coverages under the plan are offered differently with many variants of plan available. Medical coverage of up to $0.5 million is offered under the plan.
2. Tata AIG Student Guard – Overseas Health Insurance Plan
Tata AIG Student Guard Plan is an international travel insurance plan designed by Tata AIG insurance specifically for students travelling overseas for higher education. The policy comes in many variants with maximum coverage of up to $ 500,000. The coverage under the policy includes baggage loss, baggage delay, hijack cash benefits, loss of passport, missed departure, missed connection, personal liability, trip delay and fraudulent charges etc. Medical coverage under the policy includes accident and sickness medical expenses, accidental death and dismemberment, expenses incurred for repatriation of mortal remains back to India and compassion visit of the family during hospitalisation etc. coverage also includes study interruption in case of injury, sickness or terminal illness and sponsor protection cover. Basically, the policy takes care of students overseas so they stay focused on studies without any hassles.
3. Tata AIG Asia Travel Guard Policy
Tata AIG Asia Travel Guard policy offered by Tata AIG insurance is a plan that is designed to give travel protection for trips to Asian countries (excluding Japan and Korea). The policy comes with a variety of benefits and coverages. Non-medical coverage under the policy includes baggage delay, baggage loss, personal liability and loss of passport etc. Medical benefits under the policy include accidental death and disabilities, emergency medical evacuation, repatriation of mortal remains and accident & sickness medical expenses benefit. Additionally, the arrangement of admission to hospital service is offered by the policy. Individuals up to 70 years of age can avail cover under this policy.
4. Tata AIG Domestic Travel Guard Policy
Tata AIG Domestic Travel Guard policy offered by Tata AIG insurance makes sure the domestic travels are extensively covered and the experience of a trip is relaxed and pleasant. The coverage includes loss of tickets, reimbursement of accommodation expenses, property damage and personal liability, missed flights and delayed flight etc. Medical cover includes reimbursement of treatment, transportation and medical supplies during hospitalisation, death and injury etc. However, pre-existing health conditions are not covered under the policy.
Tata AIG Accident Insurance Plan
Accidents are unexpected and inevitable. Tata AIG Insurance offers various individual personal accident plans to provide protection against accidental injury or death. Following are the plans offered by the company:
1. Tata AIG Accident Guard Policy
This policy provides comprehensive coverage against accidental death and disabilities. Coverage can be availed from INR 5 lakhs to INR 1 Cr.
Features of Tata AIG Accident Guard Policy
- The policy is lifelong renewable
- Option to increase the sum assured at the time of renewal
- Children’s education benefit
- Repatriation expenses if the death occurs away from the place of residence
- Offers double accidental dismemberment benefit for eligible children covered under the plan
2. Tata AIG Accident Shield Plan
The policy provides all-round cover for death and disability caused due to an accident
Features of Tata AIG Accident Shield Plan
- Lump-sum death compensation in case of death due to an accident
- Children’s education benefit
- Compensation for disabilities
3. Tata AIG Injury Guard Policy
The policy provides extensive coverage for any loss of life or disability caused by minor or major accidents.
Features of Tata AIG Injury Guard Policy
- Lump-sum benefits are payable in case of accidental death
- Compensation for disability and injury caused due to an accident
- Reimbursement for the cost of modifying a vehicle or house
- Sum assured can be enhanced at the time of renewal
4. Tata AIG Secured Future Plan
The policy offers coverage for all the adversities caused by an accident.
Features of Tata AIG Secured Future Plan
- Compensation for accidental death and dismemberment
- Option to choose the guaranteed monthly income amount for a period of 5 to 20 years
5. Tata AIG Maha Raksha – Personal Injury Policy
This plan provides comprehensive coverage against every type of accidental injury along with death and disability.
Features of Tata AIG Maha Raksha- Personal Injury Policy
- Compensation for loss of life and dismemberment due to an accident
- No loading charges at the time of renewal
- The policy is lifetime renewable
- No medical examination needed for enrolling into the policy
- Cash benefit
Pradhan Mantri Fasal Bima Yojana was introduced in the year 2016 by the Government of India for the welfare of farmers in order to reduce their agricultural distress. Basically, the plan provides financial support to the farmers suffering from crop loss or damage due to unforeseen events. The plan helps farmers to adopt innovative and modern agricultural practices by providing coverage to food crops (millets, cereals and pulses), annual horticultural crops and oilseeds.
- Rural Motor Insurance Plan The plan provides comprehensive protection for tractors, two-wheelers, private car and commercial vehicles against various unforeseen risks at an affordable rate.
- Rural Property Insurance Plan The policy provides extensive coverage for home, shops, outlets, schools and machinery (pump sets) in rural India from various risks.
- Rural Accident Insurance Plan The policy provides coverage for accidental death, dismemberment, repatriation of mortal remains, emergency medical expenses, permanent total disability, permanent partial disability, accident hospital cash and tuition benefits etc.
- Livestock (cattle) Insurance Plan The policy provides comprehensive coverage of cattle against death due to diseases, natural calamities, accidents, riots, malicious damage, terrorism, permanent loss of milk yielding capacity due to disease.
- Rural Health Insurance Plan Tata AIG Insurance provides health and accident insurance cover for the rural population at a lower rate of premium. Coverage includes accidental death, dismemberment, disappearance, repatriation of mortal remains, emergency medical expenses, permanent total disability, permanent partial disability, accident hospital cash and tuition benefits etc.Now, let’s learn various plans offered under the business category.
Tata AIG Corporate Insurance Plans
Tata AIG Auto Secure Corporate Fleet Plan
The policy provides coverage against any loss or damage to the vehicle caused by any accidental external means and third party losses.
Tata AIG Corporate Health Insurance Plans
Health insurance plans offered by Tata AIG Insurance for the corporate help them build employee loyalty by giving them comprehensive health insurance coverage at an affordable price. Following are the health plans offered by the company:
- Group Personal Accident Plan
- Group Multi Guard Plan
Tata AIG Corporate Travel Insurance Plans
Corporate travel plans of Tata AIG Insurance helps the employer to buy specialised travel solutions for their employees with worldwide assistance. Following are the travel insurance plans offered by the company for corporates
- Business Travel Accident Plan
- Small Business Travel Accident Plan
Tata AIG Small Business Insurance Plans
Tata AIG Insurance Company offers a variety of insurance solutions for small businesses to help them protect their business assets, income and properties from various risks and unforeseen events. Following are the various plans offered by the company.
- Shop Insurance Plan
- Office Insurance Plan
- Education Institutes Insurance Plan
- Hotel and Restaurants Insurance Plan
- Housing Society Insurance Plan
- Package Insurance Plan
Tata AIG Fire and Engineering Insurance Plans
Tata AIG Insurance provides a wide range of business insurance solutions irrespective of the business size so that the businesses can get adequate cover against all kinds of risk exposures. Following are the various types of plans offered by the company for covering a diverse range of perils.
- Standard Fire and Special Perils Policy
- Boiler and Machinery Plan
- Consequential Loss (Fire) Insurance Plan
- Contractors All Risks Policy
- Industrial All Risks Insurance Plan
- Erection All Risks Policy
Tata AIG Marine Cargo Insurance Plans
AIG is known as the world leader for providing the best marine insurance solution. Tata AIG insurance offers coverage against various marine perils to the businesses. Following are the plans offered by the company:
- Marine Sales Turnover Policy (STOP)
- Innovative Marine Solutions Plan
Tata AIG Casualty Insurance Plans
Expensive lawsuits can make a successful business to take a halt. Tata AIG Insurance Company specialises in providing customised liability insurance solution to cover a wide range of liability exposure for businesses. Following are the plans offered by the company.
- Public/General Liability Insurance Plan
- Product Liability Insurance Plan
- Contaminated Products Insurance Plan
- Pollution Legal Liability Insurance Plan
- Commercial General Liability Insurance Plan
- Workmen’s Compensation Policy
- Umbrella liability Policy
How to Buy Tata AIG Insurance Plans?
You can purchase Tata AIG Insurance plans both offline and online modes. Offline plans are sold by the insurance company directly at the branch offices and also can be purchased through insurance advisors.
You can also buy them online on their company’s website with some simple buying process to follow.
However, Turtlemint offers the easiest way to buy Tata AIG Insurance plans online with an option to compare similar insurance plans available in the market. Following is the simple process to buy health and motor insurance plans of Tata AIG Insurance Company online through Turtlemint –
- Go to www.turtlemint.com and choose the category of insurance plan that you would want to purchase
- Age of the members who you want to cover
- Information about pre-existing illnesses
- The annual income level of the family
- Area PIN code
- Once you provide the details, a list of the best health insurance plans available in the market are displayed
- You can select a suitable plan for you
- After choosing the plan, you need to fill in an online application and then proceed for payment
- Once the payment is made online, you would be able to buy the plan easily
- Enter the vehicle number or you can continue without vehicle number
- Make and model
- Manufacturing year
- Expiry date
- Previous policy type
- Details of previous claims
- No claim bonus on previous policy
- The insurer of previous policy
- Contact Information
- After providing details, list of the motor insurance plans available in the market are displayed
- choose a suitable plan for you and fill in the online application
- Proceed to make payment online
- Once the payment is done, you would be able to buy the plan easily online.
The Renewal Process for Insurance Plans of Tata AIG Insurance Company
Renewing the insurance plans of Tata AIG Insurance Company is convenient and easy. Following are the steps for renewal of plans through the company’s website-
- Log on to the company’s website and click on ‘renew online’ option in home page
- Provide your policy details and pay the premium online. Once the payment is done policy would be renewed.
Renewal of Tata AIG Insurance plans can also be done through Turtlemint online. If you have purchased a policy through Turtlemint, you would be having user details to access online. Log in with your user credentials and access the existing policy details on turtlemint website. Click on ‘renew’ option, pay the renewal premium and renew your policy easily.
Claim Process for Tata AIG Insurance Plans
Claim process for Tata AIG Insurance plans are quite simple, easy and quick. Process varies for each category of products. Let’s take a look at claim process for main categories like motor and health insurance plans
Health Insurance Claims Process
Health insurance claims can be settled in two ways by Tata AIG Insurance
1. Cashless Health Insurance Claim process
If the insured takes the treatment in-network hospitals, below process needs to be followed:
- Place pre-authorisation request for cashless claims. TPA needs to be contacted 48 hours before admission to the hospital in case of planned hospitalisation and within 24 hours of hospitalisation in case of emergency hospitalisation.
- Submit the relevant documents to a third party administrator (TPA) for seeking approval from the insurer.
- Once the cashless request is approved, additional documents are to be produced by the hospital to process the claim
- Once documents are reviewed and verified, the claim will be directly settled with a network hospital.
2. Reimbursement Health Insurance Claim process
In case insured takes the treatment in non-network hospitals, below process needs to be followed:
- Claim intimation to the insurer
- Collect all the original documents from the hospital at the time of discharge
- Submit all original documents received from the hospital along with duly filled claim form and other relevant documents, if any.
- The insurer will scrutinise and verify all the documents submitted
- If the claim gets approved, the claim amount will be credited within the specified time limit
Motor Insurance Claims Process
Following is the process to be followed:
- Immediately notify Tata AIG Insurance on the occurrence of a claim event
- Take the vehicle to the nearest network garage
- Surveyor will do the survey and give an estimate
- Submit relevant documents
- Based on surveyor’s estimate, the company will directly settle the claim with the network garage
- If the vehicle is not taken to the network garage, you can get the reimbursement done later.
For any other queries, you can contact Turtlemint support team on 1800-266-0101 or Tata AIG Insurance Company.
Tata AIG Insurance – Company Address and Contact Information
Address: Tata AIG General Insurance Company Limited, Peninsula Business Park, Tower A, 15th Floor, G K Marg, Lower Parel, Mumbai – 400 013
Toll Free number: 1800 266 7780 / 1800 22 9966 (only for senior citizen policyholders)
Fax Number: 022 66938170
Email ID: [email protected]
FAQ’s
How to make premium payments for Tata AIG Insurance plans? What are the modes available for payment?
The premium for Tata AIG Insurance plans can be paid online without any hassles using below payment modes:
- Credit card
- Net banking
However, below modes can be used for offline premium payment method
- Cash/cheque
- Payment collection centre
Payments can be made through branch offices, agents of Tata AIG Insurance, insurance brokers and channel partners
What is the online renewal process for Tata AIG Insurance plans?
Renewal of Tata AIG Insurance plans online is quite simple and easy. Follow below steps to renewal:
- Log on to Tata AIG Insurance website
- Click on ‘renew now’ option
- Provide policy details
- Make payment through a secured payment gateway. That’s it! The policy will be renewed.
What is the ‘free look period’ given by Tata AIG insurance policies?
Tata AIG insurance plans provide 15 days free look period to review the policy terms and conditions. If you are not satisfied with the terms and conditions, you can opt for policy cancellation with reasons stated anytime within the free look period.
What is ‘depreciation reimbursement’ add-on in Tata AIG motor insurance plan?
During repair/replacement claim, base motor insurance plan compensates for cost after factoring in depreciation for the parts. The add-on ‘depreciation reimbursement’ pays for the amount of depreciation deducted on the value of parts.
Get Best Insurance Quotes For
Health Insurance
Life Insurance
Car Insurance
Bike Insurance
Policy Cancellation & Refund
Policy cancellation and refund of the premium shall be as per the terms & conditions of the policy. The refunds are processed by the Insurance Company directly. You are requested to contact the toll free number of your Insurance Company or refer the respective section of your Policy terms and conditions. You can also call us at our toll free number 1800-266-0101 or write a mail to us at [email protected] . We shall be available to guide/assist you.
Confused about insurance? Let’s simplify it together!
Submit your details for expert guidance and hassle-free assistance.
IRDAI certified expert advice
Application assistance
Claim support
Get free advice
Now sit back and relax!
Our advisor will reach out to you shortly!
Poor Economic Outlook and Lack of Security Undermine Kabardino-Balkaria’s Governor
- Womens Panties
- Mens Briefs Boxers
- Sexy Underwear
- Bra Brief Sets
- Garters Bel
- Camisoles 7983
Wedding Apparel Accessories
- Wedding Dresses
- Bridal Accessories
- Bridal Gown
Cooking Appliances
- Induction Cookers
- Range Hoods
- Rice Cookers
- Electric Deep Fryers
- Electric Grills Electric Griddles
Air Conditioning Appliances
- Humidifiers
- Air Purifiers
- Air Conditioners
- Dehumidifiers
- Other Air Conditioning Appliances
Energy Mineral Equipment
- Mining Machinery
- Energy Saving Equipment
- Gas Generation Equipment
- Oil Field Equipment
- Petroleum Processing Equipment
- Energy Saving Equipment Parts
- Gas Generation Equipment Parts
- Magnesium Production Line
Food Beverage Machinery
- Snack Machines
- Fruit Vegetable Processing Machines
- Baking Equipment
- Beverage Wine Processing Machinery
- Other Food Processing Machinery
- Grain Product Making Machines
- Grain Processing Machinery
- Baby DiapersNappies
- Baby Skin Care
- Baby Bath Supplies
- Baby Oral Hygiene
- Baby Hair Care
Hair Extensions Wigs
- Hair Extension
- Other Artificial Hair
Police Military Supplies
- Bullet Proof Vest
- Other Police Military Supplies
- Warning Tape
- Bullet Proof Helmet
CCTV Products
- CCTV Camera
- CCTV System
- CCTV Accessories
- CCTV Monitor
- Other Surveillance Products
- CCTV Camera Housing
LED Outdoor Lighting
- LED Flood Lights
- LED Street Lights
- LED Garden Lights
- LED Wall Washers
- LED Outdoor Wall Lights
- LED Underground Lights
- LED Tunnel Lights
- LED Lawn Lights
Stage Lights
- Moving Head Lights
- Laser Lights
- Beam Lights
- Scan Lights
- Cyclorama Lights
- Follow Spot Lights
- Projection Lights
- Moving Lights
Motorcycle Parts
- Motorcycle Tires
- Motorcycle Body Parts
- Other Motorcycle Parts
- Motorcycle Electrical System
- Motorcycle Engines
- Motorcycle Brakes
- Motorcycle Transmissions
- Motorcycle Wheels
- Valve Train
- Intake Exhaust Valve
- Rocker Arm Rocker Shaft
- Valve Tappet
- Other Auto Parts
- Other Auto Valve Train
- Speaker Horn
Paints Coatings
- Building Coating
- Appliance Paint
- Furniture Paint
- Electrical Insulating Varnish
- Plastic Coating
- Other Paint Coating
- Organic Fertilizer
- Nitrogen Fertilizer
- Compound Fertilizer
- Potassium Fertilizer
- Phosphate Fertilizer
- Biological Fertilizer
- Other Fertilizers
Canned Food
- Canned Fruit
- Canned Poultry Meat
- Canned Seafood
- Canned Beans
Honey Products
- Royal Jelly
- Honey Syrup
- Steel Wire Mesh
- Iron Wire Mesh
- Copper Wire Mesh
- Aluminum Wire Mesh
- Fiberglass Mesh
- Other Wire Mesh
- Aluminum Profiles
- Aluminum Sheets
- Aluminum Foil
- Aluminum Coils
- Aluminum Pipes
- Aluminum Bars
- Aluminum Strips
- Aluminum Powder
- View All Categories
- Sign In / Join Free My Account
Kabardino-Balkaria State University
Kabardino-Balkaria State University – Expo Center handling all events like exhibitions, trade shows or fairs taking place in Nalchik, Russia.
Other Events At this Venue During 2024-2025
Other Events In Russia
Join today and be a part of the fastest growing B2B Network
Connect with Verified Buyers
Signup today to claim your Discount. Get Started before it's too late!
Travel Tips to Kabardino-Balkaria: More than Mt. Elbrus!
If you’ve traveled to the North Caucasus before, there is a good chance you’ve already been to Kabardino-Balkaria, and you didn’t even know it! Kabardino-Balkaria lies in the center of the North Caucasus region, is home to Mt. Elbrus, but more than that is a treasure chest of travel possibilities. Here is our guide to traveling through the republic of Kabardino-Balkaria, or 9 travel tips to this beautiful land:
1. How do I get there?
Kabardino-Balkaria hosts a large number of both foreign and Russian travelers every year, and has an improving infrastructure able to handle the incoming masses. Let’s start with the obvious. You might be a mountain climber or skier coming to enjoy the slopes of Mt. Elbrus. That means you’re likely arriving on an airplane to Russia. Here are your travel options:
A. Plane – We advise you fly into the Mineralni Vodi (MRV) airport in the Stavropol Region, which is about 45 minutes from the border of Kabardino-Balkaria. MRV is the largest airport in the North Caucasus, and has daily direct flights to and from all 3 airpots in Moscow (SVO, DME, and VKO), direct flights from St. Petersburg, and several international flight routes as well, including from Istanbul, Dubai, Greece, Tel Aviv, and Bishkek. The MRV airport has a growing infrastructure and is the most obvious choice to fly into if going to Elbrus. From MRV, it’s a 2 hr. drive to Nalchik, and a 3.5 hr. drive to Mt. Elbrus.
That being said, the capital of Kabardino-Balkaria, Nalchik (NAL), also has a small regional airport with a daily flight to/from Moscow as well as weekly flights to Istanbul. As is to be expected in most smaller, regional airports around Russia, the service standard at a small airport like this will be minimal. As a result, we recommend you flying in and out of MRV if able. It’s a 2 hr. drive to Elbrus from Nalchik. You can also fly into other regional airports which are 2 hrs. from Nalchik, such as OGZ in North Ossetia (Vladikavkaz) or IGT in Ingushetia (Magas).
B. Car/Public Transport – If you have a car, are using a taxi, or are hitch-hiking your way to Kabardino-Balkaria, the region is accessible by a variety of roads and vehicles. A major Russian federal highway E50 runs through Pyatigorsk into Kabardino-Balkaria, and can take you towards Mt. Elbrus, Nalchik, and deeper into the North Caucasus. There are daily mini-buses, or “marshrutkas”, that travel to Nalchik from Pyatigorsk, Vladikavkaz, Grozny, and Magas, if you’re coming from a neighboring republic. From the main Nalchik bus station, there is a marshrutka that goes to Terskol (i.e. Mt. Elbrus) daily around 12:30 pm; for that matter, marshrutkas run daily into every valley of this beautiful republic. For the seasoned international traveler, you can drive from the country of Georgia up the famed “Georgian Military Highway” through the heart of the Caucasus Mountains, cross the border into Russia at the “Verkhni Lars” border stop, and be in Nalchik in about 2.5 hours as well.
Anyone traveling on their own should download the “Yandex” taxi app, which is Russia’s version of Uber, and has a very user-friendly app with affordable prices. In smaller villages/towns where Yandex’s service doesn’t reach, just ask a local and they’ll direct you to a friend or relative who can taxi you where you need to go!
C. Train – Kabardino-Balkaria is also very accessible by the famous cross-country Russian train system if that’s your preferred method of travel. Almost all trains to the North Caucasus pass through Mineralni Vodi in the Stavropol region to the north, so make sure wherever you are coming from, Mineralni Vodi is one of the stops. Despite Nalchik having a train station, the city is about 45 minutes from the main railway route that runs diagonal through the North Caucasus, and as a result it’s a bit convoluted to get a train directly to Nalchik. That being said, the town Prokhladni is a regular stop on trains going to/coming from Baku, Makhachkala, Grozny, Nazran, and Vladikavkaz, so you can always hop off there and find your way by public transport or taxi.
2. What are the best places to stay?
This list could get exhaustive, fast. 🙂 Let’s first look at an overview of the republic’s geography, followed by hotel recommendations:
A. Nalchik – This is the capital city of Kabardino-Balkaria, with a population of around 250,000. Nalchik is growing and new, modern hotels are being built regularly. Here are some of our recommendations:
-Modern and comfortable: Azimut , Butik Otel
-Budget with less frills: Hotel Rossia , Korona
You could comfortably spend a week in Nalchik, while doing day trips into Kabardino-Balkaria’s beautiful mountain valleys.
B. Baksan Valley – This is the most traveled road in Kabardino-Balkaria, the road to Mt. Elbrus. If you have questions about its safety because of travel warnings, please see our detailed blog here of the drive to erase any doubts or fears. Needless to say, because of the draw of Mt. Elbrus, there are a huge variety of lodging options at the end of this valley, from 4-star to mid-range to budget to hostel. Here are just a few we’ll recommend from our experience:
-Modern and comfortable 4-star-ish: Azau Star , Kristall 139
-Budget with less frills 3-star-ish: Laguna , Povorot
If you’re a mountain climber with your sites set on the summit of Elbrus, you’ll have to spend at least 3-4 nights at Elbrus’s famous base camp at 13,000 feet. The “barrel huts” are not easy to book directly with, and we highly recommend you do your climb (and hence, have your bookings handled) through a trusted climbing company. Here are two shelters at base camp we recommend:
-Modern and comfortable: Leaprus
-Budget with less frills: Heart of Elbrus Lodge
If you’re interested in climbing Mt. Elbrus and staying in these barrel huts, click here to see our climbing itineraries, pricing, and group dates.
C. Chegem Valley – Chegem Valley is the adjacent valley to Elbrus’s Baksan Valley, and is famous for its beautiful waterfalls as well as being Russia’s top paragliding location. The “ Paradrome ” has modest accommodations for those wanting to get to know this beautiful valley for a longer period of time.
D. Upper Balkaria, or Cherek Valley – This is another beautiful mountain gorge not too far from Nalchik. There is an authentic lodging complex in Upper Balkaria called Tau-El, with amazing local food for meals as well.
E. Border Zone lodging – Several of Kabardino-Balkaria’s mountain gorges run into the border zone with neighboring country Georgia, i.e. an area that foreigners cannot enter without a special permit from the local government (often taking 2 months to receive). There is a famous mountaineering lodge in Bezengi Valley, where several generations of Russian mountain climbers have honed their craft in the Caucasus Mountains. Perpendicular to Baksan Valley (about 25 minutes from the base of Mt. Elbrus) is Adyr-Suu Valley, where there is a lodge for back-country skiers to stay, while trying their hands (and feet!) on the untouched snow of that valley. Both these valleys require border permits for foreigners, but are possible to access for the more adventurous!
3. Top cities to visit?
Most locals would agree that Nalchik is the main city of significance to visit in Kabardino-Balkaria, but let’s be honest, even more would say, “Just go to the mountains!” Tirnauz is the capital of the Elbrus district, and is an interesting town to spend some time in, with its unique location in the mountains and place in Soviet history as a once-booming mining town. The main thing to consider in visiting Nalchik and other cities in the lowlands, is the chance to experience Kabardian culture and food. Whereas the deeper you go into the valleys, the more you’ll encounter Balkar culture and food.
4. Best local foods to try?
There are 3 types of food that come to mind, when spending time in Kabardino-Balkaria:
A. Khychiny – This is one of the staple national dishes of the Balkar people, and what you’ll inevitably be served if guests of local Balkars. It’s a thin buttery flat bread, sometimes cooked with fillings of cottage cheese, fresh greens, or potatoes. It is often slathered in butter, but wow is that some tasty greasy goodness! 🙂
B. Shashlik – Shashlik is a MUST for any visit anywhere in the North Caucasus! Most people would agree that it’s the national food of the entire region. Shashlik is meat shish kabobs; while pork and turkey can be found in some parts of the Caucasus, lamb or chicken are the preferred shashlik meats of choice in Kabardino-Balkaria.
C. Soup – No matter where you are in Russia, you’re sure to find a local soup that people love. Kabardino-Balkaria is no different. Especially in the winter months in the mountain valleys, there’s nothing better than to come inside from the cold weather and warm your body up to a bowl of hearty Caucasus soup. Whether Georgian kharcho or local Balkar lakhman, make sure to try your hand at one of these soups with a side of fresh baked bread/lavash!
5. Top Hole-In-The-Wall restaurants:
Of course, for a republic of this size, we’re bound to leave at least a few great local joints off our list, but here are a few to get you started. ***Note: Restaurants in the North Caucasus are much better known for their food than their service, so prepare for tasty food, but manage your expectations about service:
-Elbrus – Kogutai Restaurant at Mt. Cheget – While this isn’t a hole-in-the-wall restaurant per se, it’s one of many to choose from in the Cheget tourist village, and we have found them to provide consistently good food and service. Kogutai has a nice interior, and maybe most important, an English-language menu with good pictures. 🙂 There also is a nice outdoor patio with fantastic views of the surrounding mountains.
-Nalchik #1 – Tameris Restaurant – This is a cafe with a relaxed atmosphere in the capital Nalchik. Local tour company Elbrus Elevation has taken foreign groups there on multiple occasions and always had good experiences. Address is ul. Kuliyeva 3.
-Nalchik #2 – Cafe-Bar Oasis – You have to know where this restaurant is to find it, but once inside, you won’t regret it! There is a unique cafeteria-style ordering process, that includes several dishes being cooked on the spot once ordered. You can sample local Kabardian dishes here. The seating area is very modern and a pleasant atmosphere to have a meal in. Address is ul. Kuliyeva 2.
-Upper Balkaria – Tau-El Restaurant – This is the restaurant part of the Tau-El Tourist Complex in Upper Balkaria. Whether spending the night or just passing through, make sure to stop here for a meal!
6. Must-See Sites
This republic is so chock full of “must-see” destinations, it’s impossible to narrow the list down. Here are just a few suggestions to get you started: (***Mt. Elbrus is a no-brainer and we’re assuming that’s on your list)
A. El-Tyubu and Paradrome – This is an amazing area towards the end of Chegem Valley. Many tourists visit the famous Chegem Waterfalls and don’t drive any further down this gorge, which really is a shame. El-Tyubu is a picturesque Balkar village with several historical sites to see, including some ancient mausoleums. The real gem of the area, though, is the Paradrome , which is Russia’s premier paragliding destination. The combination of the scenic surrounding mountains and constant winds produces almost daily conditions to sail through the beautiful Caucasus sky. Highly recommend!
B. Upper Balkaria – Also known as Cherek Valley, the entire drive to the actual village of Upper Balkaria is one big destination. First, you can spend time at the 3 consecutive “ Blue Lakes ”, one of which is one of Russia’s deepest lakes with an underground spring. Then, the drive itself becomes an adventure, as you pass by steep rock walls with a huge drop-off on the other side. If you’re able to walk this part of the road, that is a bonus! Once you’ve made your way through the valley walls, the region opens up into a beautiful panoramic view. Many years ago, there were multiple villages in this region, but they’ve since been condensed into one main village. You can see some of the ancient Balkar towers that their ancestors used to live in as well.
C. Djili-Suu – Although hard to pronounce and not easy to get to, Djili-Suu is one of those places in the North Caucasus that people rave about that you “have to” visit. It’s actually on the North side of Mt. Elbrus, and more accessible from the Mineral Waters region (2 hrs. from Kislovodsk). The base camp for Elbrus climbers summiting the mountain from the North side is at Djili-Suu. This area is famous in Russia for its numerous natural healing springs, as well as unique climate conditions that make for beneficial, long holidays for seeking a respite from their daily grind. There are wide swaths of land available for camping, with probably the most unrivaled views of Mt. Elbrus in the North Caucasus. Make sure to check this out!
7. Off-the-beaten path destinations
A. King’s Waterfalls (Tsarskie), or Gedmisht – Probably the valley in Kabardino-Balkaria with the least amount of hype is the Malka Valley, which is the northernmost valley and mainly runs through the Kabardian lowlands. At the point where the villages end, though (Khabas), the asphalt turns into dirt and the hills start to rise, culminating with the incredible King’s Waterfalls, or as one friend put it, Avatar Waterfalls. These stunning waterfalls are best visited in the early summer, when everything is lush green and the water flow is strong, with many streams of water flowing down the earth’s surface. The different colors are incredible and it’s hard to look away. Once you’ve enjoyed the waterfalls, enjoy a meal of shashlik at one of the nearby lunch huts. Having an off-road vehicle is ideal to visit these falls, but worth the time and effort!
B. One-seater chair lift at Elbrus – As the infrastructure at Mt. Elbrus has modernized, some of the more “authentic” experiences have gone to the way-side. This is one experience still available, though! From the 2nd (11,000 ft.) to 3rd level (12,500 ft.) of Mt. Elbrus (whether skiing, going to base camp, or just touring), there is a single-seater chair lift for 100 rubles each way (less than $2). This is an amazing experience if you have the time. It’s 8-10 minutes each way, and a surreal experience of the majestic Caucasus mountain range surrounding you, skiers silently passing you by underneath, and in general enjoying the silent expanse of nature all around. The chair lifts are from the Soviet times and so it feels like something from a different era. For mountain climbers, the newer group cable car gives better access to most of base camp, but several huts are pretty close to this chair lift, so it still may be a good option for you.
C. Abandoned Mines above Tirnauz – Tirnauz is about 1 hr. from Mt. Elbrus, and a town everyone drives through to and from the mountain. Although today it looks old and half-abandoned, it was a booming mining town in the 20th century. About a 45-minute drive above the city with an off-road vehicle, you can see the remains of the mining operations. Learning about this history combined with the breath-taking views of the Baksan Valley and even into Georgia, you’ll wonder why more people aren’t visiting this place. This is a great spot to see eagles soaring in the sky, as well as admire the Soviet city plan of Tirnauz from above.
8. What do I need border zone passes to visit?
In Russia, any area within 5-10 km of a neighboring country, without a clearly delineated border (i.e. in the mountains) is considered a special border zone, and patrolled by Russian border guards. This area IS accessible to all Russian citizens with their passports, but is NOT legally accessible to foreign citizens UNLESS you have a special permit from the FSB (Federal Security Bureau). These permits are accessible, either through a tour operator or local friend, but require you to submit your application 45-60 days in advance.
Areas in Kabardino-Balkaria that are worth a visit if you have a border zone pass:
A. Bezengi Wall – This is at the end of the Bezengi Valley, and holds a place of lore among Russian mountain climbers. Many mountain guides go through training in this valley. Five of the Caucasus Mountain’ range’s highest seven peaks are a part of the Bezengi Wall, so you can imagine the draw it has for climbers. There are great areas for trekking and camping in this area.
B. Adyr-Suu Gorge – This remote valley runs perpendicular to Baksan Valley and is about 25 minutes from the base of Mt. Elbrus. It’s marked at the entrance by a relic of the past, a car lift from Soviet days that auto-cranks your car (and you) about 50 meters up the mountain. After 45-60 minutes of driving on gravel road, the gorge opens up into a flat valley with a beautiful view of the surrounding mountains. The Adyr-Suu Alpine Lodge is at the end of this valley and where back-country skiers base out of during the acclimatization phase of their Mt. Elbrus ski tours. This is truly a place where you can experience untouched powder!
C. Mt. Cheget (Elbrus) – Cheget is a neighboring mountain to Mt. Elbrus and where many climbers will acclimatize, both at its base and while doing some hikes. It also is famous in Russia for its free-ride terrain for more experienced skiers. Standard access to the chair lifts and mountain are available to all (i.e. mountain climbers don’t need to worry about accidentally crossing into the zone), but anyone wanting to summit the peak of Cheget OR visit the beautiful Cheget Lake needs a border permit.
Foreigners violating the border zone areas is considered a serious offense in Russia; make sure to do your due diligence if wanting to visit one of these areas! We highly recommend using a local tour operator and always traveling with a local person if visiting one of these areas.
9. Any cultural “do’s” or “don’t’s” to be aware of
Kabardino-Balkaria is a fascinating republic with a combination of traditional and modern society. The more you interact with local people, the more you’ll see a mixture of Muslim faith, post-Soviet mentality, and ancient local traditions all wrapped together.
Kabardians mainly live in the lowlands (Nalchik, Baksan, and lowland villages), while Balkars primarily live in the mountain valleys (Elbrus, Chegem, Upper Balkaria, etc.). There is a large population of Russians in the region as well. Foreigners visit every area of the region regularly, and so local people are used to and will welcome your presence.
Come with an open mind to learn about these peoples, their traditions, and their land. You won’t regret your trip to Kabardino-Balkaria!
***Want to learn more? Here are several self-published resources from the podcast “ CaucasTalk ” related to Kabardino-Balkaria:
– Travel Tips to Kabardino-Balkaria (audio version of this blog)
– History of Mt. Elbrus (Part 1)
– History of Mt. Elbrus (Part 2)
– Interview with Local Elbrus guide
– Climbing Elbrus: Interview with American guide
– Who are the Kabardians? (Part 1)
– Who are the Kabardians? (Part 2)
– Skiing in the North Caucasus (Elbrus and more)
READY TO EXPERIENCE KABARDINO-BALKARIA FOR YOURSELF?
Where to find us.
- +1 704-810-4296
- [email protected]
- 1578 Pine Creek Rd., Gastonia, NC 28056
Travel Information
- We no longer offer travel services to Russia. See Caucasus Quest Tours for new destinations
- Is it Safe to Travel to the Caucasus in 2024?
- Climbing Kazbek & Kilimanjaro: Comparing two 5,000+ meter peaks
- How to Train to climb Mt. Kazbek in Georgia
Our Elbrus Climbing Tours
- Climb Elbrus South Route
- Climb Elbrus North Route
- Climb Elbrus & The Capitals
- Climb Elbrus & The Caucasus
Russia Cultural Tours
- Capitals of Russia
- Lake Baikal on Ice
- Delightful Dagestan
- Heart of the Caucasus
ALL Travel Services to Russia and Mt. Elbrus have been indefinitely suspended as of Feb. 2022.
Explore our new tour branch Caucasus Quest to climb Mt. Kazbek (5,054 meters) in Georgia or for immersive cultural touring experiences in Georgia, Armenia, and Azerbaijan.
- Who am I / The blog
- Privacy policy
SatanayaKnows
Kabardino – balkaria : travel itinerary suggestions in the north caucasus.
For sure you know one of the biggest attraction for foreign and local tourists in the whole North Caucasus : mount Elbrus ! Yes, the twin peaks is located in Kabardino – Balkaria but there’s so much more than Europe’s highest mountain to see over there ! Here you will meet hospitable (and some very curious!) locals, learn a bit of dodgy Soviet history, and hike to serious jawdropping mountain views. I have spent about 3 weeks roaming around (yeah I’m a slow traveler), and here’s a list of places to visit in Kabardino – Balkaria . Last updated : 02 /01/2024
It’s mandatory to have an insurance to travel in Russia and apply for a russian visa (including the e-visa) I recommend Attollo Assistance (24/7 assistance, medical expenses up to 35 000 €, repatriation)
Good to know
There are three main ethnic groups in Kabardino – Balkaria :
- The Kabards, one tribe of Circassians living mostly in the lowlands like Nalchik, Baksan & other villages down the mountains.
- The Balkars living in the mountain areas like in the villages of Elbrus, Chegem and Upper Balkaria.
- There is a quite large population of ethnic Russians as well.
Locals are used to see tourists coming to climb mount Elbrus, including foreigners, but don’t expect much English there if your backpacking on your own. However, locals are super friendly, and even with a few broken words of Russian and Google Translate you will be fine. Special mention about Balkar : they are very curious, don’t be suprised to get some quite personal questions, especially if you’re a solo female traveler : “Why are you alone ?? Why aren’t you married yet ??”
DON’T FORGET TO SHARE THIS POST !
Enjoy what you read and learn? Think about buying me a chai to support the blog !
You may also like
Your ultimate North Caucasus travel guide
Visit Grozny, the Dubai of the North Caucasus
7 must-visit places in Karachay – Cherkessia
Leave a reply cancel reply.
Your email address will not be published. Required fields are marked *
Save my name, email, and website in this browser for the next time I comment.
Annual Multi-trip Insurance
Annual Multi Trip Travel Insurance
Travel insurance is an essential part of international trips. Some countries even mandate international travel insurance coverage as a part of their visa processes. It offers financial protection for emergencies like missed flights, lost luggage, theft, medical emergencies, etc.
If you are someone who travels overseas frequently throughout the year, whether it be for work or leisure, you can definitely benefit from multi-trip holiday insurance. These plans are specifically designed for frequent flyers.
Let’s find out what exactly is an annual multi-trip insurance plan and how you can get one.
What is Multi-Trip Travel Insurance?
An annual trip travel insurance plan, also known as multi-trip travel insurance, is specifically designed for frequent flyers. These plans function similarly to single-trip plans but will cover multiple trips within a given year instead of one.
There is no restriction on the number of trips you can take within the year either. You will be covered so long as your travel insurance yearly plan stays active.
So, if you are a business owner or work in a multinational company that needs you to travel outside India pretty often, or if you are simply fond of travelling overseas, Tata AIG’s annual multi-trip travel insurance can help secure your trips.
Our travel insurance provide unmatched financial coverage against different kinds of trip-related emergencies.
A Quick Overview: Annual Multi-Trip Travel Insurance
Eligibility criteria for annual travel insurance plans.
At Tata AIG, anyone between the ages of 12 - 80 years who take 2 or more trips to destinations outside of India can get multi-trip insurance. You get 30 - 45 days of consecutive travel insurance coverage per trip and an automatic extension of 7 days for unforeseen delays.
*Remember that these parameters can vary depending on your chosen insurance provider.
Features of Multi-Trip Holiday Insurance
Free Look Period: This feature is only available with annual travel insurance plans. So, if you have any objections to the terms of your travel policy, you can cancel your plan within the first 15 days of purchase and get a full refund.
Unlimited Trips in a Year: With annual multi-trip travel insurance, you can get coverage for an unlimited number of trips in a single year, with each trip having a duration of 30 - 45 days. It is a cost-effective way to cover multiple overseas trips.
All Around Travel Coverage: Under annual holiday insurance, you get coverage for trip cancellations, flight delays/cancellations, medical insurance coverage for hospitalisations, loss of passport, etc., meaning you stay covered against most, if not all, perils while overseas.
Personal Liability (Third Party Coverage): Any accidental damages or personal injury caused by you to a third-party individual will be covered by multi-trip insurance. This also includes any legal liabilities that may arise due to the accidental damage.
Grace Periods and Extensions: Another unique feature of annual travel plans is their 30-day grace period renewal payments. You also get an automatic coverage extension of 7 days if necessary due to unforeseen delays that are beyond your control.
What Does Multi-Trip Insurance Cover?
Third-Party Liability: If a third-party person suffers bodily injury or property damage due to an accident involving you, you will get insurance coverage for the financial and legal liability costs.
Trip Assistance: You will be reimbursed for non-fundable costs like hotel bookings, pre-booked events and reservations, and flight tickets in the event of a cancelled trip due to an unforeseen emergency.
Flight Delay or Cancellation: You might miss a flight because of delays or because your first flight got cancelled. With a multi-trip travel insurance plan, you will be compensated if your flight is cancelled or delayed.
Medical Support: You get medical insurance coverage for accidental death or injury during your trips. This means you will be covered for emergency hospitalisations, dental costs for medically necessary treatment and emergency medical evacuations.
Loss of Baggage and Passport Coverage: If you end up losing your passport or your luggage during the trip, you can make a travel insurance claim and the insurer will cover all the costs for replacing your lost items. For your lost checked-in luggage, your total cost would be compensated by the travel plan.
Repatriation and Death Coverage: In case of the traveller’s (policyholder’s) sudden death or permanent disability during the trip, the repatriation of the body or the treatment expenses would be covered under the annual trip travel insurance policy.
Hijack Cover: If in case your plane gets hijacked, according to the policy terms and conditions, you will be compensated for the distress caused to you during such an unfortunate incident.
What Does Multi-Trip Insurance Not Cover?
Medical expenses for the treatment of pre-existing unless it is a life-threatening medical emergency.
Medical expenses for the treatment of a terminal illness.
Treatment for self-inflicted injuries, suicide attempts, HIV, routine check-ups and alcohol or drug abuse.
Any eventualities if you are travelling against the advice of your doctor.
Medical costs if you are travelling overseas specifically for your medical treatment.
Claims regarding nuclear perils, war and war-like activities will not be covered.
Any non-medical expenses not explicitly included under policy coverage terms.
Expenses due to theft or loss due to carelessness or negligence, or if the loss/theft is not reported to the police.
Medical emergencies that arise after the insured person has returned to India
Things to Consider Before Buying an Annual Trip Travel Insurance Plan
Single-trip travel policies and annual travel plans have targeted benefits. Hence, it is crucial to consider these key factors before buying multi-trip insurance:
Do you need to travel outside of India/overseas many times during a given year?
Are your trip durations long? - i.e., Do they take several days or weeks?
Are your travel plans unpredictable, and do you require worldwide insurance coverage?
If the answer to any of these questions was a yes, then multi-trip travel insurance plans may be the right choice for you. You will be happy to note that Tata AIG’s plans offer flight ticket insurance to cover last-minute trip cancellations.
How to Buy a Travel Insurance Yearly Plan?
Visit Tata AIG’s website and navigate to our international travel Insurance page.
Choose your travel purpose, enter the country(s) you are travelling to and enter your trip start and end date. You will also need to toggle the “Travel Multiple times a Year?” option.
Once you are done entering your details, click “Get Plan”.
On the next page, enter your DOB and your mobile number and click “See Plan”.
Choose your preferred Travel Guard plan option and click “Buy Now” to get insured.
Annual Multi-Trip Travel Insurance Claims Process
In the event of an emergency, you must contact us within 7 days or no later than 30 days to inform us of the incident and to initiate your claims process.
You can do this through our website, contact us directly through our toll-free number, or via the relevant and authorised assistance company when filing claims overseas. In the case of theft, you must also inform the local authorities of the incident within 24 hours of its occurrence.
Keep all relevant documents regarding your claim handy. E.g., Copy of FIR in case of theft, medical bills for hospitalisations, etc., and submit them on time.
Generally, your claim settlement will take no later than 30 days to be paid out. If it takes more than 45 days, the payment of your claims will be 2% above the bank rate.
Why Choose Tata AIG’s Annual Travel Insurance?
At Tata AIG, we have some of the best-suited annual multi-trip insurance policies for you. Here are some key reasons to choose us as your international travel insurance provider:
Affordable: Our annual travel insurance plans are a cost-effective way to stay protected when overseas. You get coverage for multiple trips under one plan rather than having to buy multiple plans.
Instant Policy Purchase: We offer overseas travel insurance online, meaning you can get instant insurance coverage in just a few clicks.
COVID-19 Coverage: We offer COVID-19 coverage for our international plans if you test positive in the middle of your trip and require hospitalisation.
Flexible Plans: You get multiple plan options to choose from when buying annual travel insurance from Tata AIG. This way, you can tailor your plan to suit your coverage needs.
24/7 Customer Support: You can contact us for support at any time, no matter where you are in the world. Our customer support team is always ready to help you in your time of need.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Related Articles
Why senior citizens travel insurance is must?
Going for a vacation. Here are five reasons you need travel insurance
5 Myths of Travel Insurance
What is the difference between a single-trip and an annual multi-trip insurance plan.
Single-trip plans will only offer travel insurance coverage for one trip. The coverage for the policy will lapse after 180 days or after your trip ends and you will need to buy a new plan to get coverage on your next trip. Multi-trip insurance plans will offer coverage for multiple overseas trips in a given year. You can take as many trips during the policy year and you will be insured for all of them. These plans are ideal for frequent travellers.
Can I register my travel insurance claim when I come back to India?
No, your travel insurance coverage ends when you return to India. All claims must be filed within 30 days maximum from the date of the incidence.
Do I need to undergo a medical examination to buy my Tata AIG travel insurance yearly plan?
No, with Tata AIG, you can enjoy instant policy purchases with no prior need for medical check-ups or tests.
Other Destinations
BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS / FRADULENT OFFERS IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.
COMMENTS
Travel Insurance Online: Buy Travel Insurance Policy Online from Tata AIG with Global COVID-19 Coverage* Medical Cover upto $10,00,000 No Paperwork Prices starting at 40.82 Per Day Euro Assist in 190+ Countries Emergency Medical Assist Baggage Loss Lost Ticket Coverage Lost Passport. Buy the best travel insurance policy today!
TATA AIG offers compare travel insurance online to choose a policy that is tailor-made for you. The benefits of comparing travel insurance are, 1. Assess various plan features & Offerings, 2. Offers Addon riders to customize Travel Insurance etc. Click TATA AIG to compare travel insurance plans.
Tata AIG's Travel Guard is an international travel insurance policy that covers 24/7 global protection, Medical Cover up to $10,00,000, baggage lost, reimbursed up to $1500. Buy Now!
Tata AIG travel insurance for the USA provides coverage for various expenses related to travel, such as emergency medical treatment, hospitalization, evacuation, trip cancellation or interruption, loss of passport or baggage, and personal liability. The policy also covers any sports or adventure activities that are part of your travel itinerary.
Why TATA AIG Travel Guard Plus Plan? Offered by TATA AIG General Insurance Company Limited, this new TATA AIG Travel Guard Plus offers enhanced benefits and comprehensive coverage to Indians venturing abroad. It is provided by one of the leading general insurers in India and is distinctly different from its earlier plans because of its unique features and benefits.
TATA AIG Travel Insurance: Compare premium and learn how to buy TATA AIG International Travel Insurance policy online including its features, coverage details, benefits and claim procedure.
Tata AIG's international family travel insurance plans go beyond the basics, offering a range of features designed to ensure a smooth and stress-free travel experience for your entire family.
Air India Travel Insurance: Safeguard your trips with comprehensive coverage from Tata AIG. Protect against disruptions, anywhere you go! Buy your travel insurance now!
Tata AIG has designed travel medical insurance for every category of tourist, individual, family, travelers with pre-existing conditions and frequent travelers.
Travel insurance plans like TATA AIG travel insurance can be purchased online even at the last minute after finalising your travel plan. Overseas travel insurance coverage will always secure the policy holder from financial risks during emergencies.
Unique Features of TATA AIG Joint Venture between Tata Group and AIG, one of the largest General Insurers in the world. Leading Travel Insurer in India known for prompt claims settlement. TATA AIG's Accident & Sickness Sum Insured is per incident/claim and not per trip. Hence it is possible that with TATA AIG Travel Insurance, the customer can have multiple claims, each time the Sum insured ...
Affordable international coverage: Our international travel health insurance plans provide coverage against medical emergencies and more for a premium of as much as ₹40.82 per day. Quick and easy policy purchase: You can easily buy a Tata AIG travel medical insurance plan online in a few easy steps. Avoid the hassle of a medical check-up or ...
Having a domestic travel insurance plan may seem unneeded but given the uncertain times, it will protect you from many travel and medical emergencies. Online comparison can be made between Tata AIG Travel Insurance Plans with policies offered by other insurers as well on Policybazaar. It will help you to understand the benefits of this domestic ...
Unique Features of Tata AIG Joint Venture between Tata Group and AIG, one of the largest General Insurers in the world. Leading Travel Insurer in India known for prompt claims settlement. TATA AIG's Accident & Sickness Sum Insured is per incident/claim and not per trip. Hence it is possible that with TATA AIG Travel Insurance, the customer can have multiple claims, each time the Sum insured ...
So, if you are a business owner or work in a multinational company that needs you to travel outside the country pretty often, or if you are simply fond of travelling out of the country often, Tata AIG's annual travel insurance policy can secure your trips and provide unmatched financial coverage against different kinds of trip-related ...
TATA AIG General Insurance - Compare Plans, Features & Benefits Tata AIG General Insurance Company Limited is a well-known private insurer founded in the year 2001. It is a joint venture between the Tata Group and American International Group (AIG). The company offers various lines of non-life insurance products that include home insurance, motor insurance, travel insurance and health ...
Brutal police operations in Kabardino-Balkaria in recent months have prompted some experts to conclude that the republic's governor is building a "police republic."
Family health insurance is a type of health insurance that secures your entire family. Health insurance plans for family are suitable to buy as they reduce the costs spent on individual plans. Looking for the best family health insurance policy? Buy family health insurance plan today from TATA AIG.
Kabardino-Balkaria State University located in Nalchik, Russia is the best place for any exhibitions and trade conferences - Find Pictures, Videos and Map
If you've traveled to the North Caucasus before, there is a good chance you've already been to Kabardino-Balkaria, and you didn't even know it! Kabardino-Balkaria lies in the center of the North Caucasus region, is home to Mt. Elbrus, but more than that is a treasure chest of travel possibilities. Here is our guide to traveling through the republic of Kabardino-Balkaria, or 9 travel tips ...
TATA AIG's flight travel insurance covers a maximum number of possible unfortunate events depending on your insurance plan.
Travel itinerary suggestions to experience Kabardino - Balkaria to its fullest. Itinerary, tips and border zone permit explained.
At Tata AIG, anyone between the ages of 12 - 80 years who take 2 or more trips to destinations outside of India can get multi-trip insurance. You get 30 - 45 days of consecutive travel insurance coverage per trip and an automatic extension of 7 days for unforeseen delays. *Remember that these parameters can vary depending on your chosen ...