{"uin":"TATPAGP23092V032223","name":"Group Personal Accident and Business Travel Accident Policy","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223","insurer":{"slug":"tata-aig-general-insurance","name":"Tata AIG General Insurance Company Limited","url":"https://indiainsurances.com/insurer/tata-aig-general-insurance"},"line":"health","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-11-01","withdrawn_on":null,"summary":"This is a group personal accident and business travel accident policy with both indemnity and benefit covers for the benefits opted in the policy schedule. It covers incidents anywhere in the world unless restricted, with single trip, monthly trip, annual multi trip and annual business trip travel variants.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:00:24.255623+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Single Trip Insurance","Annual business trip Insurance","Monthly Trip Insurance","Annual Multi Trip Insurance"],"display":"Single Trip Insurance; Annual business trip Insurance; Monthly Trip Insurance; Annual Multi Trip Insurance","note":null,"quote":"Annual business trip Insurance - means a Trip or Trips of not exceeding <<upto 365>> days duration each ... upto 365 Days or less if covered under Single Trip Insurance; or upto30 Days or less per Trip, if covered under Monthly Trip Insurance; or 180 Days or less per Trip, if covered under Annual Multi Trip Insurance.","sources":[{"clause":null,"heading":"Annual business trip Insurance -","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-annual-business-trip-insurance"},{"clause":null,"heading":"Trip","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-trip"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Single Trip Insurance ends on the last paid day, on return to India, or up to 365 days from commencement of the insured journey, whichever is earlier. Annual Business Trip Insurance ends on the expiration date in the Policy Schedule, and personal accident cover ends at the paid period or schedule expiration date, whichever is earlier.","display":"Single trip: up to 365 days or return to India; annual business trip: to the Schedule expiry date; personal accident: paid period or Schedule expiry date","note":null,"quote":"Single Trip Insurance: Your Policy will terminate on the last day for which premium has been paid 2) or on return to India or upto 365 days from the date of commencement of the Insured Journey, whichever is earlier. Annual Business Trip Insurance:. This Policy will terminate on the Expiration Date shown in the Policy Schedule for which the premium has been paid. ... This Policy will terminate at the expiration of the period for which premium has been paid or on the Expiration Date shown in the Policy Schedule, whichever is earlier.","sources":[{"clause":"5","heading":"EXPIRATION DATE Travel","page":36,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-5-2"},{"clause":null,"heading":"Personal Accident For Master Policy","page":36,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-personal-accident-for-master-policy-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Written notice of claim must be given within 7 days after an actual or potential loss begins, or as soon as reasonably possible, and in any event not later than 30 days after the loss begins.","display":"Within 7 days, or as soon as reasonably possible, and not later than 30 Days after loss begins","note":null,"quote":"written notice of claim must be given by You to Us within 7 days after an actual or potential loss begins or as soon as reasonably possible and in any event not later than 30 Days after an actual or potential loss begins.","sources":[{"clause":"9(a)","heading":"NOTICE OF CLAIM/LOSS","page":37,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-9-a"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Our claim form, duly completed and signed","Original Bills & Receipts or Photocopy of Bills","medical reports, case histories, investigation reports, treatment papers, discharge summaries","A precise diagnosis","A detailed list of the individual medical services and treatments provided and a unit price for each","Prescriptions","Original Death Certificate","Original Disability Certificate","Original/ Attested Post Mortem Report","Attested copy of FIR, Spot Panchanama & Police Inquest report"],"display":"Claim form, bills/receipts, medical reports, diagnosis, treatment list and prices, prescriptions, death/disability/post-mortem/FIR papers where applicable","note":null,"quote":"i) Our claim form, duly completed and signed for on behalf of the Insured Person. ... ii) Original Bills & Receipts (Only in Reimbursement benefit) otherwise Photocopy of Bills (including but not limited to pharmacy purchase bill, consultation bill, diagnostic bill) ... iii) All reports, including but not limited to all medical reports, case histories, investigation reports, treatment papers, discharge summaries. ... iv) A precise diagnosis of the treatment for which a claim is made. ... v) A detailed list of the individual medical services and treatments provided and a unit price for each. ... vi) Prescriptions that name the Insured Person and in the case of drugs: the drugs prescribed, their price and a receipt for payment. ... vii) Original Death Certificate viii. Original Disability Certificate ix. Original/ Attested Post Mortem Report, if conducted\nx. Attested copy of FIR, Spot Panchanama & Police Inquest report, where applicable.","sources":[{"clause":"9(c)(i)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-9-c-i"},{"clause":"9(c)(ii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-9-c-ii"},{"clause":"9(c)(iii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-9-c-iii"},{"clause":"9(c)(iv)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-9-c-iv"},{"clause":"9(c)(v)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-9-c-v"},{"clause":"9(c)(vi)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-9-c-vi"},{"clause":"9(c)(vii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-9-c-vii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The company shall settle or reject a claim within 15 days from receipt of the last necessary document. If investigation is warranted, it must complete the investigation not later than 30 days from receipt of the last necessary document and settle or reject within 45 days from that date.","display":"15 days from last necessary document; investigation cases within 45 days from last necessary document","note":"Delay attracts interest at 2% above the bank rate as stated in the same clause.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... where the circumstances of a claim warrant an investigation in the opinion of the Company, it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document- ln such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"9(c)(vii)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-9-c-vii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["travelling against the advice of a Physician","any Pre-existing Disease (PED), any complication arising from it","suicide or attempted suicide","wilful self-inflicted illness or injury except injury in self-defence or to save life","sexually transmitted conditions","serving in any branch of the Military or Armed Forces","being under the influence intoxicating liquor or drugs or other intoxicants","participation in an actual or attempted felony, riot, crime, misdemeanor","operating or learning to operate any aircraft, or performing duties as a member of the crew","War, civil war, invasion, insurrection, revolution","Act of Terrorism","ionising radiation or contamination by radioactivity","congenital anomalies or any complications or conditions arising therefrom","hazardous or potentially dangerous sport","childbirth or from pregnancy"],"display":"Main exclusions include travelling against medical advice, PED, suicide/self-injury, STD, armed forces service, intoxication, crime/riot, aircraft crew, war, terrorism, nuclear/radiation, congenital anomalies, hazardous sports and pregnancy/childbirth","note":null,"quote":"where the Insured Person is travelling against the advice of a Physician; or receiving or on a waiting list for receiving specified medical treatment; or is travelling for the purpose of obtaining medical treatment ... any Pre-existing Disease (PED), any complication arising from it ... a) suicide or attempted suicide ... b) wilful self-inflicted illness or injury except injury in self-defence or to save life; or\n4. sexually transmitted conditions; or\n5. serving in any branch of the Military or Armed Forces ... being under the influence intoxicating liquor or drugs or other intoxicants ... participation in an actual or attempted felony, riot, crime, misdemeanor, (excluding traffic violations) or civil commotion ... operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft ... War, civil war, invasion, insurrection, revolution ... Act of Terrorism ... ionising radiation or contamination by radioactivity ... congenital anomalies or any complications or conditions arising therefrom ... participation in winter sports, skydiving/ parachuting, hang gliding, bungee jumping ... any other hazardous or potentially dangerous sport ... any loss resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy","sources":[{"clause":null,"heading":"Exclusions","page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-exclusions"},{"clause":"3(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-3-a"},{"clause":"3(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-3-b"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-tata-aig-general-insurance-company-limited-3"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact Tata AIG through its website, 24x7 helpline, email, written customer support address, servicing branch or branch grievance cell. If not satisfied, contact the grievance officer at manager.customersupport@tataaig.com before approaching the Insurance Ombudsman.","display":"Tata AIG website/helpline/email/customer support/branch first; then grievance officer manager.customersupport@tataaig.com","note":null,"quote":"In case of any grievance the Insured Person may contact through Website: www. tataaig.com ... Call us 24x7 toll free helpline 1800 266 7780 or 1800 22 9966 (Senior Citizen) Email us at customersupport@tataaig.com Write to us at: Customer Support, Tata AIG General Insurance Company Limited ... The insured person may also approach the grievance cell at any of the Company’s branches with details of grievance. If lnsured person is not satisfied with the redressal of grievance through one of the above methods, Insured person may contact the grievance officer at\nmanager.customersupport@tataaig.com","sources":[{"clause":null,"heading":"Redressal of Grievance","page":52,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-redressal-of-grievance"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":52,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-tata-aig-general-insurance-company-limited-22"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"not-stated","value":null,"display":null,"note":"The documents only state that the sum insured amount is as per the Policy Schedule.","quote":null,"sources":[],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"not-stated","value":null,"display":null,"note":"The CIS only says waiting period is as mentioned in the Policy Schedule; no initial waiting-period figure is printed.","quote":null,"sources":[],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-applicable","value":null,"display":null,"note":"Pre-existing disease is excluded rather than covered after a waiting period.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"not-stated","value":null,"display":null,"note":"No specific illness/procedure waiting-period duration is printed; the CIS only points to the Policy Schedule for waiting periods.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":"No list of illnesses or procedures carrying a specific waiting period is printed.","quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":false,"display":"No; individual certificates terminate when the insured person attains Age of 85 unless otherwise provided","note":null,"quote":"Each Certificate of Insurance will terminate on the earliest of the following dates: ... d) The date the Insured Person attains Age of 85 unless otherwise provided","sources":[{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":36,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-tata-aig-general-insurance-company-limited-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"quote-verified","value":["any Pre-existing Disease (PED), any complication arising from it","suicide or attempted suicide","wilful self-inflicted illness or injury except injury in self-defence or to save life","sexually transmitted conditions","serving in any branch of the Military or Armed Forces","being under the influence intoxicating liquor or drugs or other intoxicants","participation in an actual or attempted felony, riot, crime, misdemeanor","operating or learning to operate any aircraft, or performing duties as a member of the crew","War, civil war, invasion, insurrection, revolution","Act of Terrorism","ionising radiation or contamination by radioactivity","congenital anomalies or any complications or conditions arising therefrom","hazardous or potentially dangerous sport","childbirth or from pregnancy","osteoporosis or pathological fracture if diagnosed prior to the Policy Effective Date"],"display":"PED, suicide/self-injury, STD, armed forces service, intoxication, crime/riot, aircraft operation or crew, war, terrorism, nuclear/radiation, congenital anomalies, hazardous sports, pregnancy/childbirth and prior osteoporosis/pathological fracture","note":"The wording does not use standard IRDAI exclusion codes Excl04 to Excl18.","quote":"any Pre-existing Disease (PED), any complication arising from it ... a) suicide or attempted suicide ... b) wilful self-inflicted illness or injury except injury in self-defence or to save life; or\n4. sexually transmitted conditions; or\n5. serving in any branch of the Military or Armed Forces ... being under the influence intoxicating liquor or drugs or other intoxicants ... participation in an actual or attempted felony, riot, crime, misdemeanor ... operating or learning to operate any aircraft, or performing duties as a member of the crew ... War, civil war, invasion, insurrection, revolution ... Act of Terrorism ... ionising radiation or contamination by radioactivity ... congenital anomalies or any complications or conditions arising therefrom ... any other hazardous or potentially dangerous sport ... childbirth or from pregnancy ... is caused by osteoporosis (porosity and brittleness of the bones due to loss of protein from the bones matrix) or pathological fracture (any fracture in an area where pre-existing Disease (PED) has caused the weakening of the\nbone) if osteoporosis or bone Disease diagnosed prior to the Policy Effective Date","sources":[{"clause":null,"heading":"Exclusions","page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-exclusions"},{"clause":"3(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-3-a"},{"clause":"3(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-3-b"},{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-tata-aig-general-insurance-company-limited-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"For the personal accident policy/certificate, the policyholder may cancel by giving 7 days written notice and receives proportionate premium for the unexpired period, provided no claim has been reported; otherwise there is no refund. Single Trip Insurance is non-renewable, not cancellable and not refundable while effective, and cancellation before the effective date is subject to a cancellation charge.","display":"PA/certificate: proportionate premium for unexpired period on 7 days' notice if no claim; Single Trip: not cancellable/refundable while effective","note":null,"quote":"The policyholder may cancel this Policy by giving 7 days written notice and in such an event, the Company shall refund proportionate premium for unexpired policy period, provided no claim has been reported under this Policy up to the date of cancellation if otherwise there shall be no refund of premium. ... The Single Trip Insurance is non-renewable, not cancellable and not refundable while effective. Cancellation of the Policy may be done only prior to the Effective Date stated in the Policy Schedule and will be subject to deduction of cancellation charge by Us.","sources":[{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":36,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-tata-aig-general-insurance-company-limited-6"},{"clause":null,"heading":"For Certificate of Insurance","page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-for-certificate-of-insurance"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy applies to incidents anywhere in the world unless limited by endorsement or specifically restricted in the policy.","display":"Anywhere in the world unless endorsed or restricted","note":null,"quote":"This Policy applies to incidents anywhere in the world unless limited by Us through endorsement or specifically restricted in the Policy.","sources":[{"clause":"7","heading":"TERRITORY: This Policy applies to incidents","page":37,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-7"}],"law":[]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":null,"quote":"The grace period for payment of premium shall be thirty days.","sources":[{"clause":null,"heading":"Grace Period","page":1,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-grace-period"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["annually paid premium","monthly","quarterly","half yearly"],"display":"Annual, monthly, quarterly, half yearly","note":null,"quote":"a) in the case of annually paid premium – before the beginning of each 12 monthly period when the annual premium instalment is due, or\nb) in the case of monthly / quarterly / half yearly instalment premiums","sources":[{"clause":"2","heading":"CONSIDERATION: The premium payable under","page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-2"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["TERRORIST ACT COVERAGE","WAR RISK (Business Only)","WAR RISK (Business and Pleasure)"],"display":"TERRORIST ACT COVERAGE; WAR RISK (Business Only); WAR RISK (Business and Pleasure)","note":"The policy also contains riders and hazard sections that apply only to insured classes or where shown in the Policy Schedule.","quote":"TERRORIST ACT COVERAGE ... Any additional required premiums are as shown on the Policy Schedule. ... Hazard H-15 WAR RISK\n(Business Only) ... We may change the premium rate for the inclusion of Hazard H-15 under this Policy ... Hazard H-16 WAR RISK\n(Business and Pleasure) ... We may change the premium rate for the inclusion of Hazard H-16 under this Policy","sources":[{"clause":null,"heading":"TERRORIST ACT COVERAGE","page":52,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-terrorist-act-coverage"},{"clause":null,"heading":"Hazard H-15 WAR RISK","page":49,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-hazard-h-15-war-risk"},{"clause":null,"heading":"Changes in Premium","page":50,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-changes-in-premium"},{"clause":null,"heading":"Hazard H-16 WAR RISK","page":51,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-hazard-h-16-war-risk"},{"clause":null,"heading":"Changes in Premium","page":51,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-changes-in-premium-2"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available for the period for which no premium has been received during the grace period.","display":"Coverage not available for the period for which no premium has been received","note":null,"quote":"However a grace period in payment up to 30 days from the premium due date is allowed where you can still pay your premium and continue your policy. Coverage would not be available for the period for which no premium has been received.","sources":[{"clause":null,"heading":"Tata AIG General Insurance Company Limited","page":35,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-tata-aig-general-insurance-company-limited-5"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"quote-verified","value":"Overseas accident and sickness medical expenses are covered for reasonable and customary charges, subject to the deductible shown in the Policy Schedule, up to the maximum amount and benefit period stated in the Policy Schedule. Covered medical expenses include physician services, hospital confinement and operating room use, tests, ambulance, medicines and dental treatment for injury to sound natural teeth.","display":"Covered overseas for accident and sickness medical expenses; limit as stated in Policy Schedule","note":"The actual monetary limit is not printed in the wording/CIS and is left to the Policy Schedule.","quote":"We will pay the Reasonable and Customary Charges, subject to the Deductible shown in the Policy Schedule, for Covered Medical Expenses incurred overseas by You for medical services which are not due to a Pre- Existing Disease (PED) up to the maximum amount and benefit period stated in the Policy Schedule ... a) the services of a Physician; ... b) Hospital confinement and use of operating room; ... c) anesthetics (including administration), x-ray examinations or treatments, and laboratory tests; ... d) ambulance service; ... e) drugs, medicines, and therapeutic services and supplies; ... f) dental treatment resulting from Injury sustained to Sound Natural Teeth subject to the per tooth and per occurrence maximums shown in the Policy Schedule.","sources":[{"clause":null,"heading":"Coverage C-17 Section: OVERSEAS ACCIDENT AND SICKNESS MEDICAL EXPENSE","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-coverage-c-17-section-overseas-accident-and-sick"},{"clause":"Section IN(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-section-in-a"},{"clause":"Section IN(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-section-in-b"},{"clause":"Section IN(c)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-section-in-c"},{"clause":"Section IN(d)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-section-in-d"},{"clause":"Section IN(e)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-section-in-e"},{"clause":"Section IN(f)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-section-in-f"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Emergencies from pre-existing disease are not covered; the policy excludes any Pre-existing Disease and any complication arising from it.","display":"Not covered; any Pre-existing Disease (PED) and complications are excluded","note":null,"quote":"any Pre-existing Disease (PED), any complication arising from it","sources":[{"clause":null,"heading":"Exclusions","page":33,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-exclusions"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"quote-verified","value":"Trip cancellation pays loss of deposits up to the maximum amount stated in the Policy Schedule if, before the contracted departure date, the trip is cancelled because sickness, injury or death prevents the trip. Trip interruption pays loss of deposits up to the amount stated in the Policy Schedule if, before the contracted return date, the trip is cancelled because the insured is unable to continue the trip.","display":"Covered for loss of deposits up to Schedule maximum for cancellation before departure and interruption before return due to sickness, injury or death","note":"Actual monetary limits are not printed in the wording/CIS and are left to the Policy Schedule.","quote":"We will pay loss of deposits up to the maximum amount stated in the Policy Schedule if prior to the Contracted Departure Date Your Trip is canceled and You are Prevented From Taking the Trip due to a Sickness, Injury or death ... We will pay loss of deposits up to the amount stated in the Policy Schedule if prior to the Contracted Return Date Your Trip is canceled and You are Unable to Continue the Trip due to a Sickness, Injury or death","sources":[{"clause":null,"heading":"Coverage C-30 Section: TRIP CANCELLATION","page":26,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-coverage-c-30-section-trip-cancellation"},{"clause":null,"heading":"Coverage C-32 Section: TRIP INTERRUPTION","page":27,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-coverage-c-32-section-trip-interruption"}],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"Baggage delay reimburses necessary personal effects up to the maximum stated in the Policy Schedule if checked baggage is delayed or misdirected by a common carrier for more than the schedule deductible. Baggage loss pays for permanent loss of an entire piece of checked baggage in the care of a common carrier, subject to deductible and up to the maximum shown in the Policy Schedule.","display":"Checked baggage delay and permanent loss of an entire checked bag covered, subject to Schedule deductible and maximum","note":"Actual deductible and maximum amounts are not printed in the wording/CIS and are left to the Policy Schedule.","quote":"We will reimburse You for the expense of necessary personal effects, up to the maximum stated in the Policy Schedule, if Your Checked Baggage is delayed or misdirected by a Common Carrier ... for more than the Deductible shown on the Policy Schedule ... We will pay benefits, in the case of permanent loss of an entire piece of Checked Baggage, held in the care, custody and control of a Common Carrier ... We will reimburse You, subject to the Deductible and up to the maximum shown in the Policy Schedule, for the cost of replacement of the entire baggage and its contents.","sources":[{"clause":null,"heading":"Coverage C-4 Section: BAGGAGE DELAY","page":9,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-coverage-c-4-section-baggage-delay"},{"clause":null,"heading":"Coverage C-5 Section: BAGGAGE LOSS (Common Carrier)","page":10,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-coverage-c-5-section-baggage-loss-common-carrier"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"The policy reimburses necessary and reasonable expenses for obtaining a duplicate or new passport if the passport is lost during an insured journey, subject to any deductible and up to the maximum stated in the Policy Schedule.","display":"Costs of duplicate or new passport covered, subject to deductible and Schedule maximum","note":"Actual monetary limit and deductible are not printed in the wording/CIS and are left to the Policy Schedule.","quote":"We will reimburse You, subject to any Deductible, if You lose Your passport under the circumstances described in a Hazard during the course of an Insured Journey and incur necessary and reasonable expenses in connection with obtaining a duplicate or new passport up to the maximum stated in the Policy Schedule.","sources":[{"clause":null,"heading":"Coverage C-16 Section: LOSS OF PASSPORT","page":16,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-coverage-c-16-section-loss-of-passport"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"not-stated","value":null,"display":null,"note":"The wording defines deductible as applicable per event and says the amount is shown in the Policy Schedule, but no deductible amount is printed.","quote":null,"sources":[],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days for Annual Multi Trip Insurance; not applicable for Single Trip Insurance","note":"Annual Multi Trip free look applies only if no trip has been commenced and is not available at renewal.","quote":"a) Single Trip Insurance – Free look period is not applicable. ... b) Annual Multi Trip Insurance - You have a period of 30 days from the date of receipt of the Policy document, whether received electronically or otherwise, to review the terms and conditions of this Policy provided no trip has been commenced.","sources":[{"clause":"27(a)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-27-a"},{"clause":"27(b)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-27-b"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Entry age depends on the insured class: eligible children are from six (6) months, and insured persons are covered up to Age upto 85. Spouse and parents are stated as between 18 and 85 years old.","display":"6 months to 85 years, depending on insured class","note":"Eligible children may be covered up to twenty three (23) years if attending as a full time student.","quote":"Eligible Children - means dependent children including adopted and step children of the Insured Person between Ages six (6) months and eighteen (18) years ... Insured Person - means the Insured Person up to Age upto 85 ... Spouse - means Your legal husband or wife, who is between the Ages of 18 and 85 years old","sources":[{"clause":null,"heading":"Eligible Children","page":3,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-eligible-children"},{"clause":null,"heading":"Insured Person -","page":4,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-insured-person"},{"clause":null,"heading":"Spouse -","page":6,"url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906#c-spouse"}],"law":[]}],"documents":[{"kind":"wording","label":"Group Personal Accident and Business Travel Accident Policy(TATPAGP23092V032223)","pages":58,"fetched_at":"2026-10-17 20:09:08+00","source_url":"https://www.tataaig.com/s3/Policy_Wordings_accident_and_business_travel_accident_policy.pdf_d18a687c6e.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16906"},{"kind":"wording","label":"Group Personal Accident And Business Travel Accident Policy (IRDAI copy)","pages":97,"fetched_at":"2026-10-20 02:23:20+00","source_url":"https://irdai.gov.in/documents/37343/931203/Group+Personal+Accident+%26+Business+Travel+Accident+Policy_2013-2014.pdf/587ac2ef-8eb1-0551-cfbf-8fd75a5ca4f0?version=1.1&t=1668337860228&download=true","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/28197"},{"kind":"cis","label":"Group Personal Accident and Business Travel Accident Policy(TATPAGP23092V032223)","pages":6,"fetched_at":"2026-10-17 20:09:18+00","source_url":"https://www.tataaig.com/s3/group_personal_accident_and_business_travel_accident_cis_ecfb28347d.pdf","url":"https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223/document/16908"}],"versions":[{"uin":"IRDA/NL-HLT/TAGI/P-P/V.I/290/13-14","version":null,"approved_on":null},{"uin":"TATPAGP23092V032223","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Tata AIG General Insurance official website","url":"https://www.tataaig.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims process","url":"https://www.tataaig.com/claims-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal policy","url":"https://www.tataaig.com/grievance-redressal-policy","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Group Personal Accident and Business Travel Accident Policy (UIN TATPAGP23092V032223), IndiaInsurances, https://indiainsurances.com/policy/tata-aig-general-insurance/group-personal-accident-and-business-travel-accident-policy-tatpagp23092v032223"}