Bajaj Allianz vs Care Travel insurance

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Bajaj Allianz vs Care Travel insurance

Destination
Date of Birth
   
Start Date
End Date
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Care logo Care logo bajaj-allianz bajaj-allianz bajaj-allianz bajaj-allianz
Explore Gold


Explore Platinum


Travel Care


Travel Elite Silver


Prime Silver


Travel Assist Classic


*GST included
Accident & Sickness Medical Expenses: ?
In-patient:
Up to $50,000

Out-patient: Up to $50,000

Deductible: $100 / € 75

In-patient:
Up to $50,000

Out-patient: Up to $50,000

Deductible: $100 / € 75

$50,000

Deductible: $100

$50,000

Deductible: $100

$50,000

Deductible: $100

$50,000

Deductible: $100

Medical Evacuation: ?
$50,000 $50,000 Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses
Repatriation of Remains: ?
$50,000 $50,000 Included under Medical Expenses Included under Medical Expenses $5,000 (Included under Medical Expenses) Included under Medical Expenses
Pre-existing Cover
10% of Sum Insured

Deductible: $100 / € 75

10% of Sum Insured

Deductible: $100 / € 75

Not covered Not covered Not covered
$300
Accidental Death & Dismemberment: ?
$15,000 $15,000
$10,000
$15,000
$15,000
$25,000
AD & D Common Carrier
NA $5,000 NA
$2,500
$2,500
NA
Dental Treatment: ?
$300

Deductible: $100 / € 75

$300

Deductible: $100 / € 75

$500

Deductible: $100

$500

Deductible: $100

$500

Deductible: $100

$500

Deductible: $100

Personal Liability: ?
$100,000

Deductible: $100 / € 75

$100,000

Deductible: $100 / € 75

$100,000

Deductible: $100

$100,000

Deductible: $100

$100,000

Deductible: $100

$100,000

Deductible: $200

Loss of Checked Baggage: ?
$100 $100
$250

Deductible: Nil

$500

Deductible: Nil

$500

Deductible: Nil

$250

Deductible: Nil

Baggage Delay: ?
$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

Loss of PassPort: ?
$300 $300 $250

Deductible: $15

$250

Deductible: $25

$250

Deductible: $25

$250

Deductible: $25

Hijack Distress Allowance
NA NA $50 per day to max $300
$50 per day to max $300
$50 per day to max $300
$50 per day to max $300
Daily allowance in case of hospitalization
$25 per day, max 5 days

Deductible: 2 days

$25 per day, max 5 days

Deductible: 2 days

NA
$20 per day to max $100
$25 per day to max $100
NA
Flight Delay
NA NA NA
$20 per 12 hrs, maximum $120

Deductible: 12 hrs

$25 per 12 hrs, maximum $120

Deductible: 12 hrs

NA
Trip Cancellation
$1,000 $1,000 NA
$500
$500
NA
Missed Connection: ?
NA NA NA NA $100

Deductible: 12 hrs

NA
Emergency Cash Advance: ?
NA NA NA
$500
$500
$500
Home Burglary Insurance: ?
NA NA NA
Rs1,00,000
Rs1,00,000
NA
Important Points
  • Gold and Platinum plans are Comprehensive Coverage plans for travelers up to aged 60 years
  • For travelers aged 61 and above, Gold is a Fixed benefit plan where medical sublimits are applicable while Platinum is a Comprehensive plan where medical expenses are covered up to the policy maximum
  • Region specific plans to suit your needs for Europe, Asia and African continent.
  • Double Sum Insured in case of Accidental Hospitalisation
  • Covers declared pre-existing conditions in case of life threatning up to 10% of policy maximum
  • Infant child of age 1 day can be insured under Care travel insurance
  • Buy the policy for 180 days and you can renew the policy for another 180 days
  • Bajaj Allianz plans are available for travelers till the age of 98 years.
  • Wide range of plan options to suit travelers requirements and budget.
  • The Assist Card plan covers for pre-existing medical conditions for a limited amount depending on the plan choosen.
  • Initially plan can be purchased for 180 days and can be renewed for another 180 days. Renewal is on case to case basis.
  • Medical Sublimits for Bajaj Allianz travel starts from the age of 61 years.
  • Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.

Compare Bajaj Allianz vs Care Travel insurance

Key features of Care

  • Care Health Insurance is a stand alone Health Insurance company which is relatively new to Travel Insurance, but is one of the fastest growing. They are promoted by Care Enterprises, a financial powerhouse, Union Bank and Corporation Bank.
  • Importantly, the insured age band starts from Day 1 (baby), which is the lowest in the industry. There is no upper age limitation under the Care travel plans. All plans offer Comprehensive coverage upto the age of 60 years and then Sickness Medical Expenses are with Sublimits.
  • They offer Region Specific plans to suit the traveller’s needs, specifically plans for Europe, Asia and African continent apart from Worldwide coverage plans.
  • Buy the policy for 180 days and you can renew the policy for another 180 days
  • Double Sum Insured in case of accident - Customer buying USD $50,000 cover will have coverage of USD $50,000 for any Sickness related treatment and upto USD $100,000 in case claim arising due to accident.
  • Pre-existing covered upto 10% of Principal Sum Insured for Accident & Sickness Coverage, which is again the best in the industry.
  • Per day rates – Premium calculated for actual days of travel i.e. Slab rates not applicable – this ensures the traveller only pays premium for actual number of days they have travelled abroad.
  • E- Travel Insurance Card comes with every policy issued instantly. This helps the customer in case of any accident/ immediate reference in case of emergency.
  • All Care Travel Insurance Policies don't have per aliment limit capping.
  • Customer can Upgrade their return tickers to Business class travel in case of they are returning within 20 days of discharge from the hospital
  • Treatment in home country covered upto 30 days if the customer returns to India as per Doctor’s advice/recommendation post hospitalization abroad. This expense will be covered under the Accident & Sickness limit.
  • Global Assistance is provided through Falck Assistance, one of the Global leaders in Travel & Claims Assistance. They offer Toll Free numbers for the insured traveller to contact them.

Key features of Bajaj Allianz

  • One of the largest Travel Insurance companies in India, known for proactive customer service and claims settlements. JV between Bajaj Finance and Allianz Insurance Group of Germany.
  • WidestRange of Innovating and Comprehensive Travel Insurance plans to suit travellers requirements and budget.
  • Travellers aged between 6 months and 70 years can purchase a Regular Bajaj Travel Insurance plan and Senior Citizens can but the Senior Companion Plan from 71 till the insured reaches the age of 99 years.
  • Bajaj Allianz allows travel insurance plan to be purchased for 180 days and renewed for another maximum of 180 days subject to underwriting approval and on a case to case basis.
  • Medical Sublimits for Sickness Treatment under Bajaj Allianz travel insurance plans starts from the age of 61 years. There are no sub limits for Accidental Hospitalisation either inpatient or outpatient.
  • The Assist Card plan offers coverage of Pre-existing medical conditions for a limited amount depending on the plan opted for.
  • No Medical Check up and Entry Age Restriction for Bajaj Travel insurance plans.
  • Only Insurance company to offer In House Claims and Assistance which ensures timely and efficient claims management. While their Call Centre is in India, they offer Toll Free Assistance numbers across the world.
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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.

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Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.


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Insurance Claims

In case of a claim or reimbursement of treatment expenses, notify by contacting them.


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Tips on air travel

Travel tips for Indian parents

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How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

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How does travel insurance work

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