Cholamandalam vs Bajaj Allianz Travel insurance

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Bajaj Allianz vs Reliance Travel insurance

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Cholamandalam logo Cholamandalam logo bajaj-allianz bajaj-allianz bajaj-allianz bajaj-allianz
Silver

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Gold

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Travel Care

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Travel Elite Silver
 Buy for Rs.*
Travel Prime Silver
 Buy for Rs.*
Travel Assist Classic
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*GST included
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
Accidental Death & Dismemberment: ?
- - $10,000 $15,000 $15,000 $25,000
AD & D Common Carrier
- - NA $2,500 $2,500 NA
Dental Treatment: ?
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: ?
NA 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.

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.

Unique Features of Reliance

  • Reliance General Insurance is part of the Reliance Anil Ambani Group (ADAG) and offers Travel Insurance for Indians travelling abroad or within India.
  • Reliance Travel Insurance ensure zero paperwork and affordable premiums to ensure their customers have a smooth holiday. Choose from a variety of plans – for individuals or for the entire family.
  • The duration of your trip does not matter – Reliance covers trips upto a duration of 182 days with extensions available up to 365 days.
  • Travelers from 6 months to 90 years can be covered under Reliance Travel Insurance Plans with Senior citizens aged between 71-90 years can buy the Reliance Senior plan without submitting any medical reports.
  • Pre existing diseases are covered in case of life threatening situations only for travellers up to 70 years. There are Sickness Medical Sublimits from the age of 61 years onwards.
  • The Sum Insureds for each benefit are per policy period, which means there is no restoration of sum insured once a claim has been filed.
  • Automated extension of your policy The policy will be extended in case of a medical emergency and evacuation (up to 30 days) and delay of common carrier (up to 7 days).
  • Some of the pre existing diseases which are not covered by Reliance travel insurance plan are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes.
  • The traveller can avail Cashless Claims (for Inpatient Treatment) and also have access to National and International Assistance Numbers when abroad. These services are provided through Reliance’s Travel Assistance Partner, Europ Assistance.
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Already outside India

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Travel Insurance Online Renewal

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Insurance Claims

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Tips on air travel

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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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Healthcare cost overseas

Comparison of overseas Healthcare cost and popular tourist destinations

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Tips to find best travel insurance

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EIndia General Insurance Partners

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