MakeMyTrip Travel Insurance 2026: Rs. 15 Plans and the 70-Year Limit

MakeMyTrip sells travel insurance from a page headlined "Buy Travel Insurance Policy Online in India 2026 @ Rs. 15*". We read the whole page on 5 November 2026, and the most useful line on it is not the price.

"MakeMyTrip is an administrator for Group Insurance. The policy is issued by Tata AIG General Insurance Company Ltd (UIN: TATTGOP25046V032425)."

That sentence decides who you call when a bag goes missing in Lisbon. MakeMyTrip sells it; Tata AIG insures it, supports it and settles the claim. The page is upfront about this — it is simply printed well below the headline.

The claim route is Tata AIG, not MakeMyTrip. The page describes notifying a claim "by sending an SMS, calling the 24x7 helpline, or emailing the claims department", gathering the claim form, travel tickets, medical records and receipts, and submitting them to the Tata AIG claims team.

Cashless is available at network providers — the page describes hospitalisation at a network facility "without any out-of-pocket payment" for covered benefits. Everything else is reimbursement, which means you pay first and claim after.

Two numbers describe the same discount. The banner says MakeMyTrip covers "upto 40% of Insurance Premium"; the contribution slab on the same page is labelled "MakeMyTrip Contribution (30%)". Both are published, we are quoting both, and we are not claiming either is wrong — "upto 40%" reads as a ceiling and 30% as the setting the page displays. The figure that matters is the one applied on your checkout screen.

And the Rs. 15 is not medical cover. Read against the page's own plan list, the starred Rs. 15 and the Rs. 19 passport cover belong to the "byte-sized protection plans" — fixed payouts for flight delay, passport loss and baggage loss. The travel-plus-medical plan with worldwide cover and a sum insured "starting from $50,000" is a different product at a different price.

These two answers do not agree. One says no age limit is obligatory for healthy travellers, with premiums merely getting costlier above 70. The other says flatly that policies are provided for senior citizens "upto 70 years" and answers "No" to buying at 80.

Treat the restrictive answer as the operative one and confirm before you pay. If you are booking cover for a parent in their seventies, this is the single thing worth a phone call — a policy sold and then found ineligible is worse than no policy, because you travelled believing you were covered.

Every line above is conditional on the policy schedule. The page repeats the phrase "as per Policy Schedule specifications" and "up to policy schedule limits" throughout, which is the honest way of saying the numbers are in the document, not in the marketing.

The trip-delay cover is unusually specific about causes. It lists a strike or job action by the carrier's employees, equipment failure of the carrier, an order or direction by government or public authority, air traffic restrictions at the departure airport, and operational reasons of the carrier. A delay with a cause outside that list is not automatically a claim.

MakeMyTrip's own buying route: choose a plan in the insurance section of the site or app, review the benefits, add it to the booking, and the policy details arrive by email. It can be bought after your travel bookings are made, and the page says no KYC is required.

The first thing to read is the exclusion list, which the page puts behind a "View Details" link next to each plan rather than on the page itself: "All coverage details, inclusions, and exclusions for MakeMyTrip travel insurance plans are displayed on the policy information page before checkout."

The second is the sum insured. The page states international options start at $50,000 and that several countries make cover mandatory, sometimes with a minimum sum insured for a visa. A cheap plan that fails a visa requirement has cost you the premium and the trip.