I had taken policy from Tata-Aig on 18th Aug. 2008 as I & my Wife were reavelling to USA. They issued
us a Policy "Travel Guard Premium" which was for US $500,000.00 and was against "Accident & Sickness Medical Expenses Reimbursment" as stated in their policy no 8G243802.
Unfortunately I was hospitalised due to chest pains in a New Jersey, US hospital. It seems that some bills were settled by AIG but some are being refuted by them giving excuses which were not specified by them at the time of taking insurance.
Now my Daughter who resides in US is constantly being chased by collection agency and I took up the matter with Tata-Aig in Pune/ Mumbai. They have given the following reply:

"From: Mangtani, Meeta
To: naniklulla@hotmail.com
Cc: Sawant, Vishal
Sent: Monday, July 13, 2009 1:38 PM
Subject: Case#UA8304687 - Claim#303968

Dear Sir

We refer to your above claim.

Kindly noteTravel Guard Policy is subject to sub limits if the age of the insured is 56 years and above.

The Policy Sub-limits are applicable in your case in respect to inpatient hospitalization expenses and the claim has been settled as per Policy Sub-Limits.

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

Hospital Room and Board and Hospital miscellaneous :Max 1,500 per day upto 30 days whichever is less.
Intensive Care Unit:
Max 3,000 per day upto 7 days whichever is less.
Surgical Treatment: Max 10,000
Anesthetist Services Upto 25% of Surgical Treatment
Physician's Visit : Max 75 per Day upto 10 visits
Diagnostic and Pre-Admission Testing: Max 500
Ambulance Services: Max 400
Please find below settlement details in respect of your claim as per Policy sub-limit:
1)ICU Expenses:
Max @3000 x 4 days................................US$12,000 (St. Peter's Univ Hosp)
2) Inpatient Physician visit
Max $75 x 5 days................ .....................US$375 (Heart & Vascular $225 + SPUH Amb Care $150)
3) Diagnostic testing .................................. US$500 (St. Peter's Univ Hosp)
Max $500
Total .................................................. ..... US$12,800

In addition to above, we have also settled Emergency Room charges for US$2,048 to St. Peter's Univ Hosp and New Brunswick Emerg Med for US$575.

You will appreciate that we have already settled the claim as per terms and condition of the Policy and there is no further liability on us in respect of hospitalization bills.

In case you need any further clarification, please do get in touch with us.

Regards
Meeta
Claims Dept (Accident & Health)
Tata AIG General Insurance Co Ltd | Andheri, Mumbai (India)
Customer Helpline: Toll free 1800 119966 (MTNL/ BSNL) Other Helpline: 022-66939500
Email: meeta.mangtani@tata-aig.com
Fax: +91-22 6693 3781 "

Their contention is quite ambiguous as what does the coverage amount of US $500,000.00 represent?.
Can you help as about US $3000.00 is being claimed by Collection agency at this time on behalf of various clients.

Regards,

Nanik Lulla, Pune

Dear sir,
i and my wife had taken a travel guard silver, and proceeded to Singapore. Here my wife Mrs. Usha Sunder is going to us for one month, and had asked the insurance l agent in india (jaipur) to enhance the policy from silver to Gold. He direccted me to deposit a sum of rupees 5076 at ICICI bank in Delhi.in the account of 000705015874 in the name of Thomas cook . I had done it on 12 June and sent an Em ail confirming the same. Further i have sent three reminders on 14, 16, and today. Mr sanjay Dalla on behaf of tata Aig had issued m e the tata aig travel gaurd- silver, and he was to hand over the gold policy. He is not even responding to my e-mail querrie.