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TATA AIG vs Bajaj Allianz Travel insurance

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Tata AIG travel insurance vs Bajaj Allianz travel insurance cost

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Compare TATA AIG vs Bajaj Allianz travel insurance

tata aig medicare tata aig medicare tata aig medicare tata aig medicare bajaj-allianz bajaj-allianz bajaj-allianz bajaj-allianz
Silver Silver Plus Gold Platinum Plan Companion ? Elite ? Prime ? Travel Ace ?
Available Coverage Options
$50,000 $100,000 $250,000 $500,000 $50,000, $200,000, $500,000 $50,000, $200,000, $500,000 $50,000, $200,000, $500,000, $750,000, $1000,000 $50,000, $100,000, $200,000, $500,000
Medical Expenses - injury and or Illness: ?
$50,000Deductible: $100 $100,000Deductible: $100 $250,000Deductible: $100 $500,000Deductible: $100 $50,000Deductible: $100 $50,000Deductible: $100 $50,000Deductible: $100 $50,000Deductible: $100
Pre-existing Conditions Cover in life threatening ?
up to $2,500/- up to $5,000/- up to $10,000/- up to $12,500/- up to $3000 up to $3000 up to $3000 up to $3000
Emergency Medical Evacuation: ?
Up to $50,000Deductible: $100 Up to $100,000Deductible: $100 Up to $250,000Deductible: $100 Up to $500,000Deductible: $100 Up to $50,000Deductible: $100 Up to $100,000Deductible: $100 Up to $250,000Deductible: $100 Up to $500,000Deductible: $100
Repatriation of Remains: ?
Back to home country - 25% of sum insured; nearest burial ground in overseas - $2,500 Back to home country - 25% of sum insured; nearest burial ground in overseas - $2,500 Back to home country - 25% of sum insured; nearest burial ground in overseas - $2,500 Back to home country - 25% of sum insured; nearest burial ground in overseas - $2,500 Up to $50,000 Up to $50,000 Up to $50,000 Up to $50,000
Loss of Checked-in Baggage: ?
$200 $200 $300 $300 $250Deductible: Nil $500Deductible: Nil $500Deductible: Nil $250Deductible: Nil
Delay of Checked-in Baggage: 
$40 (Deductible: 4 hours) $40 (Deductible: 4 hours) $45 (Deductible: 4 hours) $50 (Deductible: 4 hours) $100Deductible: 12 hours $100Deductible: 12 hours $100Deductible: 12 hours $100Deductible: 12 hours
Flight Delay
Not Available Not Available $45 For all overseas flights taken during Insured Trip(Deductible: 4 hours) $50 For all overseas flights taken during Insured Trip(Deductible: 4 hours) NA $20 per 12 hrs, maximum $120Deductible: 12 hrs $25 per 12 hrs, maximum $120Deductible: 12 hrs NA
Flight Cancellation
Not Available $75 $75 $150 NA $500 $500 NA
Trip Curtailment
$500 (Deductible: $50) $500 (Deductible: $50) $750 (Deductible: $75) $1,000 (Deductible: $100) NA $200 $200 NA
Trip Cancellation
$500 (Deductible: $50) $500 (Deductible: $50) $750 (Deductible: $75) $1,000 (Deductible: $100) NA $200 $200 NA
Missed Flight/Connection: 
$250 $250 $500 $750 NA NA $100Deductible: 12 hrs NA
Missed booking: 
Not available Not available Not available Not available NA NA $100Deductible: 12 hrs NA
Bounced Hotel/Airline booking: 
$500(Deductible: $50) $500(Deductible: $50) $750(Deductible: $75) $1,000(Deductible: $100) NA NA $100Deductible: 12 hrs NA
Loss of Personal Baggage: ?
Not Available Not Available $200(Deductible: $30) $300(Deductible: $30) $100Deductible: 12 hours $100Deductible: 12 hours $100Deductible: 12 hours $100Deductible: 12 hours
Accomodation Extension: 
$500(Deductible: $50) $250 per day max upto 10 days $300 per day max upto 10 days $750 per day max upto 10 days NA NA $100
Deductible: 12 hrs		 NA
Emergency Medical Dental Treatment: 
$300Deductible: $150 $400(Deductible: $50) $500(Deductible: $50) $1,000(Deductible: $50) $500Deductible: $100 $500Deductible: $100 $500Deductible: $100 $500Deductible: $100
Loss of Passport: 
$250(Deductible: $25) $250(Deductible: $25) $250(Deductible: $25) $250(Deductible: $25) $500Deductible: $100 $500Deductible: $100 $500Deductible: $100 $500Deductible: $100
Loss of International Driving License: 
Not available $100 $100 $100 $50,000Deductible: $100 $50,000Deductible: $100 $50,000Deductible: $100 $50,000Deductible: $100
Accidental Death/Disablement(overseas): ?
Accidental Death :- $10,000, Disablement :- $10,000, Total :- $10,000 Accidental Death :- $10,000, Disablement :- $10,000, Total :- $10,000 Accidental Death :- $15,000, Disablement :- $15,000, Total :- $15,000 Accidental Death :- $25,000, Disablement :- $25,000, Total :- $25,000 $50,000Deductible: $100 $50,000Deductible: $100 $50,000Deductible: $100 $50,000Deductible: $100
Personal Accident in India( in INR)
Not available Not available Rs. 15 lakh Rs. 20 lakh NA NA $500 NA
Rental Vehicle Cover
Not available Not available Not available Not available NA NA $500 NA
Rental Vehicle return
Not available Not available Not available Not available NA NA $500 NA
Fraudulent Charges (Payment Card Security)
Per Occurrence Limit $250; Aggregate Limit $500 Per Occurrence Limit $250; Aggregate Limit $500 Per Occurrence Limit $500; Aggregate Limit $1,000 Per Occurrence Limit $1,000; Aggregate Limit $2,000 NA NA NA NA
Home Content Burglary(in Rs.)
Rs.50,000(Deductible: Rs.5,000) Rs.1 lakh(Deductible: Rs.5,000) Rs.1.5 lakh(Deductible: Rs.5,000) Rs.2.5 lakh(Deductible: Rs.5,000) NA $2,500 $2,500 NA
Hijack/Kidnap Daily Allowance
Not available $75 Per 12 hours, max 10 days $100 Per 12 hours, max 10 days $150 Per 12 hours, max 10 days NA $2,500 $2,500 NA
Personal Liability
$100,000(Deductible: $200) $100,000(Deductible: $200) $200,000(Deductible: $200) $500,000(Deductible: $250) NA $2,500 $2,500 NA
Compassionate Travel/Stay
Not available Not available Not available Return fare for any one company in person-Spouse/Children/Immediate family member Stay for Insured's Spouse, Children, Family - $3,500 NA $2,500 $2,500 NA
Loss of Cash
Not available Not available Not available $125 NA $2,500 $2,500 NA
Upgradation to Bussiness Class
Not available Not available Not available Not available NA $2,500 $2,500 NA
Alternative transport Expenses: 
Not available Not available Not available Not available $250Deductible: $15 $250Deductible: $25 $250Deductible: $25 $250Deductible: $25
Pandamic Cover
Not available Not available Not available Not available $50 per day to max $300 $50 per day to max $300 $50 per day to max $300 $50 per day to max $300
Hospital Daily Cash (per day)
Not available Not available Not available Not available NA $20 per day to max $100 $25 per day to max $100 NA
Visa Rejection
Not available Not available Not available Not available NA $20 per day to max $100 $25 per day to max $100 NA
Emergency Extension of the Policy
7 days 7 days 7 days 15 days NA $500 $500 $500
Important Points
  • TATA AIG has policy maximum coverage per claim. Therefore it is possible that with TATA AIG, customer can have multiple claims, each for the policy maximum.
  • Medical Sublimits for TATA AIG travel starts from the age of 56 years.
  • Sum total of coverage days for new policy and / or subsequent renewals cannot exceed 180 days for 70+ travelers
  • TATA AIG can be renewed up to 180 days and sum total of initial and each subsequent renewal not exceeding 360 days (for traveler below 70 years).
  • Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.
  • Pre-existing ailments or medical conditions are covered up to $1500 only incase of life threatening situation
  • Renewal of Annual Multi Trip policies will now be extended even beyond 70 years of age.
  • 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.
Sublimits
Following maximum eligible expenses per sickness or disease are applicable to insured persons aged 56-99, regardless of the plan / option purchased:

Hospital Room and Board and Hospital miscellaneous Max $1,500 per day up to 30 days whichever is less.
Intensive Care Unit Max $3,000 per day up to 7 days whichever is less.
Surgical Treatment Max $10,000
Anesthetist Services Up to 25% of Surgical Treatment
Physician's Visit Max $75 per Day up to 10 visits
Diagnostic and Pre-Admission Testing Max $500
Ambulance Services Max $400
 
Trip Curtailment Trip Curtailment Trip Curtailment Trip Curtailment Trip Curtailment Trip Curtailment

What are the Key features of TATA AIG and Bajaj Allianz travel insurance?

Key features of TATA AIG’s Travel Insurance

  • Company is Joint Venture between Tata Group and AIG Inc, one of the largest General Insurers in the world. Travel Insurance Leader by business volumes in India and known for Prompt Claims settlement.
  • TATA AIG’s Accident & Sickness (A&S) Sum Insured is per incident/claim and not per trip. Hence it is possible that the customer can have multiple claims during the same trip, each time the Sum Insured (A&S) is restored back to the maximum benefit limit.
  • Policy is available for all entry ages under different plans from the age of 6 months onwards till 70 years of age for all plans except the Senior Citizen plan, which has an entry age of 71 years
  • Medical Sublimits under TATA AIG’s Travel Insurance starts from the age of 56 years. Company also offers plans Without Medical Sublimits.
  • No Pre Travel Medical Check-up for travellers of any age and for any Sum Insured for any duration of travel.
  • TATA AIG’s Travel insurance policies can be extended upto a cumulative maximum duration not exceeding 360 days for travellers below 70 years and upto a maximum of 180 days for 70+ travellers
  • Pre-existing Medical Conditions covered up to $20,000 (depending on the plan opted for) only incase of Life Threatening situations.
  • Worldwide Assistance and Claims Support is provided by Europ Assist and Falck India, who together have the largest network of hospitals in USA and across the world.
  • Company provides Cashless claims settlement for Inpatient Treatment and Reimbursement within 15 days (subject to complete documentation) for Outpatient Treatment.

Key features of Bajaj Allianz’s Travel Insurance

  • One of the leading Travel Insurance players in India, known for proactive customer service and claims settlements. JV between Bajaj Group and Allianz Insurance Group of Germany, who are likely to exit the JV anytime soon.
  • Widest Range 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 buy 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 a cumulative maximum of 360 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 Accident related Hospitalisation.
  • Pre-existing Medical Conditions covered up to $3,000 only incase of Life Threatening situations. They however offer an Add On where the traveler can purchase Comprehensive Pre Existing Coverage upto the Sum Insured by paying additional premium.
  • No Pre Travel Medical Check up and Entry Age Restriction for Bajaj Travel insurance plans.
  • Only Insurance company to offer In House Claims and Assistance Services which ensures timely and efficient claims management, with Toll Free Assistance numbers across the world.

How much does a TATA AIG vs Bajaj Allianz Overseas travel medical cost per month (30 days)?

The TATA AIG vs Bajaj Allianz Overseas travel medical insurance cost per month (30 days) starts at just ₹2,474 for coverage Worldwide Including USA & Canada. TATA AIG vs Bajaj Allianz Overseas travel medical insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of TATA AIG vs Bajaj Allianz Overseas travel medical plan variants.


Plan Name (Sum Insured) Insurer 0-40 years 41-45 years 45-50 years 51-55 years 56-60 years 61-70 years
Silver ($50,000) With Sublimits Tata AIG ₹2,474 ₹3,216 ₹3,216 ₹6,175
Silver ($50,000) Without Sublimits Tata AIG - ₹6,375 ₹11,902
Travel Ace Standard ($50,000) With Sublimits Bajaj Allianz ₹2,994 ₹4,704 ₹6,336
Travel Ace Standard ($50,000) Without Sublimits Bajaj Allianz - ₹8,817 ₹12,077
Travel Prime Silver ($50,000) With Sublimits Bajaj Allianz ₹2,057 ₹2,501 -
Silver Plus Plan A ($100,000) With Sublimits Tata AIG ₹2,499 ₹3,149 ₹3,149 ₹6,705
Silver Plus Plan A ($100,000) Without Sublimits Tata AIG - ₹6,920 ₹14,143
Silver Plus Plan B ($100,000) With Sublimits Tata AIG ₹2,714 ₹3,337 ₹3,337 ₹6,906
Silver Plus Plan B ($100,000) Without Sublimits Tata AIG - ₹7,135 ₹14,358
Silver Plus ($100,000) With Sublimits Tata AIG ₹2,956 ₹3,553 ₹3,553 ₹7,156
Silver Plus ($100,000) Without Sublimits Tata AIG - ₹7,383 ₹14,625
Travel Ace Silver ($100,000) With Sublimits Bajaj Allianz ₹3,495 ₹5,426 ₹7,305
Travel Ace Silver ($100,000) Without Sublimits Bajaj Allianz - ₹10,097 ₹13,791
Gold Plan A ($250,000) With Sublimits Tata AIG ₹2,672 ₹3,911 ₹3,911 ₹8,055
Gold Plan A ($250,000) Without Sublimits Tata AIG - ₹8,957 ₹17,242
Gold Plan B ($250,000) With Sublimits Tata AIG ₹3,098 ₹4,337 ₹4,337 ₹8,486
Gold Plan B ($250,000) Without Sublimits Tata AIG - ₹9,388 ₹17,641
Gold Plan ($250,000) With Sublimits Tata AIG ₹3,347 ₹4,593 ₹4,593 ₹8,768
Gold Plan ($250,000) Without Sublimits Tata AIG - ₹9,647 ₹17,900
Travel Ace Gold ($200,000) With Sublimits Bajaj Allianz ₹4,099 ₹6,296 ₹8,435
Travel Ace Gold ($200,000) Without Sublimits Bajaj Allianz - ₹11,588 ₹15,779
Travel Prime Gold ($200,000) With Sublimits Bajaj Allianz ₹2,296 ₹3,208 -
Platinum Plan A ($500,000) With Sublimits Tata AIG ₹2,623 ₹4,099 ₹4,099 ₹8,336
Platinum Plan A ($500,000) Without Sublimits Tata AIG - ₹9,271 ₹19,302
Platinum Plan B ($500,000) With Sublimits Tata AIG ₹3,080 ₹4,586 ₹4,586 ₹8,823
Platinum Plan B ($500,000) Without Sublimits Tata AIG - ₹9,758 ₹19,789
Platinum Plan ($500,000) With Sublimits Tata AIG ₹3,549 ₹5,102 ₹5,102 ₹9,403
Platinum Plan ($500,000) Without Sublimits Tata AIG - ₹10,275 ₹20,368
Travel Ace Platinum ($500,000) With Sublimits Bajaj Allianz ₹9,020 ₹13,909 ₹18,506
Travel Ace Platinum ($500,000) Without Sublimits Bajaj Allianz - ₹20,126 ₹27,138
Travel Prime Platinum ($500,000) With Sublimits Bajaj Allianz ₹2,659 ₹4,053 -
Titanium Plan ($750,000) Tata AIG ₹4,775 ₹6,406 ₹6,406
Travel Prime Super Platinum ($750,000) With Sublimits Bajaj Allianz ₹3,126 ₹4,765
Titanium Plus Plan ($1,000,000) Tata AIG ₹5,699 ₹7,543 - ₹7,543
Travel Prime Maximum ($1,000,000) With Sublimits Bajaj Allianz ₹3,339 ₹5,092
Plan Name (Sum Insred) Insurer 71-75 years 76-80 years 81-85 years 86-90 years >90 years
Senior Plan ($50,000) With Sublimits Tata AIG ₹9,097 ₹12,998 -
Senior Plan ($50,000) Without Sublimits Tata AIG ₹21,769 ₹31,450 -
Super Senior Plan ($50,000) With Sublimits Tata AIG - ₹25,504 ₹40,975 ₹51,634
Super Senior Plan ($50,000) Without Sublimits Tata AIG - ₹54,801 ₹88,685 ₹1,03,396
Travel Ace Super Age ($50,000) Without Sublimits Bajaj Allianz ₹21,039

Which Is Cheaper for 30-Day Travel Insurance: TATA AIG vs Bajaj Allianz?

The TATA AIG vs Bajaj Allianz Overseas travel medical insurance cost per month (30 days) starts at just ₹1183 for coverage Worldwide Excluding USA /Canada. TATA AIG vs Bajaj Allianz Overseas travel medical insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of TATA AIG vs Bajaj Allianz Overseas travel medical plan variants.


Plan Name (Sum Insured) Insurer 0-40 years 41-45 years 45-50 years 51-55 years 56-60 years 61-70 years
Silver ($50,000) With Sublimits Tata AIG ₹1,183 ₹1,466 ₹1,466 ₹2,874
Silver ($50,000) Without Sublimits Tata AIG - ₹1,887 ₹3,740
Travel Ace Standard ($50,000) With Sublimits Bajaj Allianz ₹1,379 ₹2,380 ₹3,487
Travel Ace Standard ($50,000) Without Sublimits Bajaj Allianz - ₹2,747 ₹4,067
Travel Prime Silver ($50,000) With Sublimits Bajaj Allianz ₹1,444 ₹1,669 -
Silver Plus ($100,000) With Sublimits Tata AIG ₹1,391 ₹1,811 ₹1,81 ₹3,674
Silver Plus ($100,000) Without Sublimits Tata AIG - ₹2,440 ₹4,999
Travel Ace Silver ($100,000) With Sublimits Bajaj Allianz ₹1,637 ₹2,752 ₹3,988
Travel Ace Silver ($100,000) Without Sublimits Bajaj Allianz - ₹3,164 ₹4,639
Gold Plan ($250,000) With Sublimits Tata AIG ₹1,577 ₹2,142 ₹2,142 ₹4,174
Gold Plan ($250,000) Without Sublimits Tata AIG - ₹3,168 ₹5,915
Travel Ace Gold ($200,000) With Sublimits Bajaj Allianz ₹1,984 ₹3,246 ₹4,646
Travel Ace Gold ($200,000) Without Sublimits Bajaj Allianz - ₹3,710 ₹5,425
Travel Prime Gold ($200,000) With Sublimits Bajaj Allianz ₹1,625 ₹1,859 -
Platinum Plan ($500,000) With Sublimits Tata AIG ₹1,897 ₹2,515 ₹2,515 ₹3,354
Platinum Plan ($500,000) Without Sublimits Tata AIG - ₹10,275 ₹7,004
Travel Ace Platinum ($500,000) With Sublimits Bajaj Allianz ₹5,636 ₹8,103 ₹10,894
Travel Ace Platinum ($500,000) Without Sublimits Bajaj Allianz - ₹8,646 ₹11,750
Travel Prime Platinum ($500,000) With Sublimits Bajaj Allianz ₹1,935 ₹3,016 -
Titanium Plan ($750,000) Tata AIG ₹2,431 ₹2,991 ₹2,991
Travel Prime Super Platinum ($750,000) With Sublimits Bajaj Allianz ₹2,275 ₹3,546
Titanium Plus Plan ($1,000,000) Tata AIG ₹2,978 ₹3,625 ₹3,625
Travel Prime Maximum ($1,000,000) With Sublimits Bajaj Allianz ₹2,431 ₹3,789
Plan Name (Sum Insred) Insurer 71-75 years 76-80 years 81-85 years 86-90 years >90 years
Senior Plan ($50,000) With Sublimits Tata AIG ₹5,845 ₹7,202 -
Senior Plan ($50,000) Without Sublimits Tata AIG ₹7,725 ₹11,174 -
Super Senior Plan ($50,000) With Sublimits Tata AIG - ₹13,936 ₹23,842 ₹51,634
Super Senior Plan ($50,000) Without Sublimits Tata AIG - ₹23,486 ₹40,555 ₹1,03,396
Travel Ace Super Age ($50,000) With Sublimits Bajaj Allianz ₹5,312
Travel Ace Super Age ($50,000) Without Sublimits Bajaj Allianz ₹6,201
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