Home » Travel » Compare Plans » Cholamandalam vs Bajaj Allianz Travel insurance

Cholamandalam vs Bajaj Allianz Travel insurance

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Travel Destination
Traveler Date of Birth
   
Travel Start Date
Travel End Date days
Plan Benefits Cholamandalam Travel Insurance Bajaj Allianz Travel Insurance
Silver Plan Gold Plan
Travel Care
Travel Elite Silver
Prime Silver
Travel Assist Classic
Premium (in Indian Rupees)
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Accident & Sickness Medical Expenses
$50,000

Deductible: $100

$100,000

Deductible: $100

$50,000

Deductible: $100

$50,000

Deductible: $100

$50,000

Deductible: $100

$50,000

Deductible: $100

Medical Evacuation
Up to $50,000

Deductible: $100

Up to $100,000

Deductible: $100

Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses
Repatriation of Remains $7,500 $7,500 Included under Medical Expenses Included under Medical Expenses $5,000 (Included under Medical Expenses) Included under Medical Expenses
Pre-existing Cover Not covered Not covered Not covered Not covered Not covered
$300
Accident Death & Dismemberment (AD & D) OR Personal Accident - -
$10,000
$15,000
$15,000
$25,000
AD & D Common Carrier - - NA
$2,500
$2,500
NA
Sickness Dental Relief Up to $250

Deductible: $50

Up to $250

Deductible: $50

$500

Deductible: $100

$500

Deductible: $100

$500

Deductible: $100

$500

Deductible: $100

Personal Liability Up to $100,000 Up to $100,000
$100,000

Deductible: $100

$100,000

Deductible: $100

$100,000

Deductible: $100

$100,000

Deductible: $200

Loss of Checked Baggage Up to $500
Up to $500
$250

Deductible: Nil

$500

Deductible: Nil

$500

Deductible: Nil

$250

Deductible: Nil

Baggage Delay Up to $100

Deductible: 12 hours

Up to $100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

Loss of Passport $150

Deductible: $30

$250

Deductible: $30

$250

Deductible: $15

$250

Deductible: $25

$250

Deductible: $25

$250

Deductible: $25

Hijack Distress Allowance $100 per day up to Max. $700

Deductible: 12 hours

$100 per day up to Max. $700

Deductible: 12 hours

$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 up to Max. $350 NA
$20 per day to max $100
$25 per day to max $100
NA
Flight Delay NA $10 per 12 hrs up to Max. $150

Deductible: 12 hrs

NA
$20 per 12 hrs, maximum $120

Deductible: 12 hrs

$25 per 12 hrs, maximum $120

Deductible: 12 hrs

NA
Trip Cancellation NA Up to $500

Deductible: $50

NA
$500
$500
NA
Emergency Cash Advance - Up to $250 NA
$500
$500
$500
Home Burglary Insurance (Rs) Up to Rs.2,00,000 NA
Rs1,00,000
Rs1,00,000
NA
Important Points
  • Cholamandalam offers benefits per policy period.
  • Sublimits for Cholamandalam starts from the age of 71 yrs.
  • Plan Duration for travelers below 60 years is up to 360 days
  • Cholamandalam can be renewed up to 180 days, Sum total of initial and each subsequent renewal not exceeding 360 days
  • Door to Door cover”.i.e. the insured is covered from residence to international airport & international airport to residence.
  • Adventure sports covered (e.g. hot air ballooning/ bungee jumping / parasailing / paragliding.)
  • Cashless outpatient bill settlement more than $400 if intimated before
  • 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.

Plan Benefits

Cholamandalam Travel Insurance

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Bajaj Allianz Travel Insurance

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Unique Features of Cholamandalam

  • Cholamandalam MS General Insurance Company Limited is a Joint Venture between the Murugappa Group, Chennai and Mitsui Sumitomo Insurance Company Limited, Japan and the company is headquartered in Chennai.
  • The company offers customised plans for Individuals between 6 months and 70 years, Senior Citizens between the ages of 71 and 80 years and a specific plan for Students between the age of 16 and 35 years going abroad to study.
  • They also offer a specific travel to Asian destinations which covers Australia & New Zealand but excludes Japan from coverage.
  • The Travel insurance plans providecoverage for a duration of 180 days with an option for extension upto 360 days upto the age of 60 years. Duration above 70 years is for a maximum of 180 days.
  • Adventure sports covered (e.g. hot air ballooning/ bungee jumping / parasailing / paragliding.) subject to underwriting approval.
  • Cashless Outpatient bills(OPD) settlement of more than $400can be facilitated by the insurance company through their Assistance Partner abroad subject to prior information.
  • Cholamandalam Travel plans offer coverage is available for Pre existing conditions in Life threatening situations apart from One way Immigration travel covered upto 30 days.
  • The Annual Multi Trip plan has options to choose from 30 / 45 / 60 / 90 days for each trip, which is best in class in the market. The policy will however be for 1 year.
  • Premium rates are calculated on a per day daily basis – hence the insured ends up paying for the exact number of days of travel.
  • Door to Door cover”.i.e. Personal Accident coverage for the insured is in force from residence to international airport while going abroad & international airport to residence while returning home.
  • Global Protection with 24 /7 Assistance through their TPA partner Europ Assist.

Unique 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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    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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