TATA AIG vs Cholamandalam Insurance

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TATA AIG vs Care(Formerly Religare) Travel insurance

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tata aig medicare tata aig medicare tata aig medicare tata aig medicare Cholamandalam logo Cholamandalam logo
Silver
$50,000

Silver Plus
$100,000

Gold
$250,000
Platinum
$500,000
Silver

Gold

*GST included
Accident & Sickness Medical Expenses: ?
$50,000
Deductible: $100
$100,000
Deductible: $100
$250,000
Deductible: $100
$500,000
Deductible: $100
$50,000
Deductible: $100
$100,000
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 Up to $50,000
Deductible: $100
Up to $100,000
Deductible: $100
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 $7,500 $7,500
Pre-existing Cover
Reimbursment up to $1,500 per policy Reimbursment up to $1,500 per policy Reimbursment up to $1,500 per policy Reimbursment up to $1500 per policy NA NA
Accidental Death & Dismemberment: ?
$10,000 $10,000 $15,000 $25,000 NA NA
AD & D Common Carrier
NA $5,000 $5,000 $5,000 NA NA
Dental Treatment: ?
$300
Deductible: $150
$400
Deductible: $150
$500
Deductible: $150
$1000
Deductible: $150
Up to $250
Deductible: $50
Up to $250
Deductible: $50
Personal Liability: ?
$100,000
Deductible: $200
$150,000
Deductible: $200
$200,000
Deductible: $200
$500,000
Deductible: $200
Up to $100,000 Up to $100,000
Loss of Checked Baggage: ?
$500 $750 $1,000 $1000 Up to $500 Up to $500
Checked-in Baggage Delay
$50
Deductible: 12 hours
$100
Deductible: 12 hours
$200
Deductible: 12 hours
$500
Deductible: 12 hours
Up to $100
Deductible: 12 hours
Up to $100
Deductible: 12 hours
Loss of PassPort: ?
$250
Deductible: $30
$250
Deductible: $30
$250
Deductible: $30
$250
Deductible: $30
Up to $150
Deductible: $30
Up to $250
Deductible: $30
Hijack Distress Allowance
NA $100 per day; maximum $500  (Included under Accident & Sickness Medical Expenses)
Deductible: 1 day
$100 per day; maximum $500 (Included under Accident & Sickness Medical Expenses)
Deductible: 1 day
$100 per day; maximum $500 (Included under Accident & Sickness Medical Expenses)
Deductible: 1 day
$100 per day, Max 7 days
Deductible: 12 hours
$100 per day, Max 7 days
Deductible: 12 hours
Daily allowance in case of hospitalization
NA NA NA NA NA $25 per day, Max 14 days
Trip Delay
NA NA NA NA NA $10 per 12 hrs, Max $150
Deductible: 12 hours
Trip Cancellation & Interruption
$500
Deductible: $50
$500
Deductible: $50
$750
Deductible: $75
$1000
Deductible: $100
NA Up to $500
Deductible: $50
Trip Curtailment
$500
Deductible: $50
$500
Deductible: $50
$750
Deductible: $75
$100
Deductible: $100
NA Up to $500
Deductible: $50
Emergency Cash Advance: ?
$500 $750 $1,000 $1,500 NA Up to $250
Home Burglary Insurance: ?
1 Lakh 1 Lakh 2 Lakhs 2 Lakhs NA Up to Rs.2,00,000
Important Points
To find out the important points of TATA AIG click here » To find out the important points of TATA AIG click here » To find out the important points of TATA AIG click here » To find out the important points of TATA AIG click here » To find out the important points of Cholamandalamclick here » To find out the important points of Cholamandalam click here »
Limitations
To find out the limitations of TATA AIG click here » To find out the limitations of TATA AIG click here » To find out the limitations of TATA AIG click here » To find out the limitations of TATA AIG click here »    
Sublimits
To find out the sublimits of TATA AIG click here » To find out the sublimits of TATA AIG click here » To find out the sublimits of TATA AIG click here » To find out the sublimits of TATA AIG click here »    

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 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.
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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

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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

How to use Indian visitor insurance in case of sudden sickness and accidents

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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

Tips to find good and adequate international travel health insurance

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EIndia General Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • Star Health
  • future generali
  • go digit
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Aditya Birla
  • Raheja QBE
  • New India Logo
  • Oriental Logo
  • bharti axa health Insurance Plans
  • kotak
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