Looking to buy Tata AIG Travel Guard - Do we need all these covers?

Looking to buy Tata AIG Travel Guard; in the product brochure lots of covers are mentioned –
- Medical services provider referral.
- Arrangement of Hospital admissions.
- Monitoring of Medical Condition during Hospitalization.
- Arrangement of Emergency Medical Evacuation.
- Arrangement of Medical Repatriation.
- Lost Luggage assistance.
- Lost travel documents assistance.
- Emergency Travel Services.
- Emergency Message Transmission Services.
- Embassy Referral Services.
- Claim Procedures Information Services.

Do we need all these covers or only Overseas Mediclaim Cover is sufficient?

You have Platinum, Gold and Silver Options to choose. Check what you want to cover and buy?