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TATA AIG vs Bajaj Allianz Travel insurance

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TATA AIG Travel Guard Insurance Bajaj Allianz
Silver
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Travel Care

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Travel Elite Silver

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Company
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Accident & Sickness Medical Expenses
$50,000

Deductible: $100

$100,000

$100,000


Deductible: $100

$250,000

Deductible: $100

$500,000

Deductible: $100

$50,000

Deductible: $100

$50,000

Deductible: $100

$50,000

Deductible: $100

$50,000

Deductible: $100

Medical Evacuation
Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses
Repatriation of Remains
Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses Included under Accident & Sickness Medical Expenses Included under Medical Expenses Included under Medical Expenses $5,000 (Included under Medical Expenses) Included under Medical Expenses
Bounced Hotel /Airline booking
$500 $500 $750 $1,000 NA NA $500 NA
Fraudulent Charges
$500 $500 $1,000 $2,000 NA NA NA NA
Trip Curtailment
$500 $500 $750 $1,000 NA $200 $200 NA
Pre-existing Cover
Reimbursment up to $1,500 per policy (covered under life threatening situations) Reimbursment up to $1,500 per policy (covered under life threatening situations) Reimbursment up to $1,500 per policy (covered under life threatening situations) Reimbursment up to $1,500 per policy (covered under life threatening situations) Not covered Not covered Not covered $300
Accident Death & Dismemberment (AD & D) OR Personal Accident
$10,000 $10,000 $15,000 $25,000 $10,000 $15,000 $15,000 $25,000
AD & D Common Carrier
NA $5,000 $5,000 $5,000 NA $2,500 $2,500 NA
Sickness Dental Relief
$300

Deductible: $150

$100,000

$400


Deductible: $150

$500

Deductible: $150

$1000

Deductible: $150

$500

Deductible: $100

$500

Deductible: $100

$500

Deductible: $100

$500

Deductible: $100

Personal Liability
$100,000

Deductible: $200

$100,000

$150,000


Deductible: $200

$200,000

Deductible: $200

$500,000

Deductible: $200

$100,000

Deductible: $100

$100,000

Deductible: $100

$100,000

Deductible: $100

$100,000

Deductible: $200

Loss of Checked Baggage
$500 $750 $1,000 $1,000 $250

Deductible: Nil

$500

Deductible: Nil

$500

Deductible: Nil

$250

Deductible: Nil

Baggage Delay
$50

Deductible: 12 hours

$100,000

$100


Deductible: 12 hours

$200

Deductible: 12 hours

$500

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

Loss of Passport
$250

Deductible: $30

$100,000

$250


Deductible: $30

$250

Deductible: $30

$250

Deductible: $30

$250

Deductible: $15

$250

Deductible: $25

$250

Deductible: $25

$250

Deductible: $25

Hijack Distress Allowance
NA $100 per day up to maximum of $500

Deductible: 1 day

$100 per day up to maximum of $500

Deductible: 1 day

$100 per day up to maximum of $500

Deductible: 1 day

$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
NA NA NA NA NA $20 per day to max $100 $25 per day to max $100 NA
Trip / Flight Delay
NA $10 per 12 hrs up to maximum of $100

Deductible: 12 hrs

$10 per 12 hrs up to maximum of $100

Deductible: 12 hrs

$10 per 12 hrs up to maximum of $100

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
$500

Deductible: $50

$100,000

$500


Deductible: $50

$750

Deductible: $75

$1,000

Deductible: $100

NA $500 $500 NA
Missed Connection
$500

Deductible: $50

$100,000

$500


Deductible: $50

$750

Deductible: $75

$1,000

Deductible: $100

NA NA $100

Deductible: 12 hrs

NA
Emergency Cash Advance
$500 $750 $1000 $1500 NA $500 $500 $500
Home Burglary Insurance (Rs)
1 Lakh 1 Lakh 2 Lakhs 2 Lakhs NA Rs.1,00,000 Rs.1,00,000 NA
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
 

Unique Features of TATA AIG

  • Joint Venture between Tata Group and AIG, one of the largest General Insurers in the world. Leading Travel Insurer in India known for prompt claims settlement.
  • TATA AIG’s Accident & Sickness Sum Insured is per incident/claim and not per trip. Hence it is possible that with TATA AIG Travel Insurance, the customer can have multiple claims, each time the Sum insured 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.
  • No Medical Check-up for traveller of any age upto any sum insured. Senior citizens (71-99 years) can also get $50,000 coverage for 180 days without any medical check up.
  • TATA AIG’s Travel insurance policies can be renewed for180 days and upto a maximumduration not exceeding 360 days, for travellers below 70 yearsand upto a maximum of 180 days for 70+ travellers
  • Pre-existing ailments or medical conditions are covered up to $1500 only incase of life threatening situations.
  • Worldwide Travel & Medical Assistance is provided by AIG Travel Assist, who have one of the largest network of hospitals in USA and across the world. They also have 8 alarm centres across the world supporting travellers on medical and non medical needs.

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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