TATA AIG vs Reliance Travel Insurance , Reliance vs TATA AIG general insurance

Silver
$50,000
Buy - Rs. *

Silver Plus
$100,000
Buy - Rs. *

Gold
$250,000
Buy - Rs. *

Platinum
$500,000
Buy - Rs. *

Standard
$50,000
Buy - Rs. *

Silver
$100,000
Buy - Rs. *

Gold
$250,000
Buy - Rs. *

Platinum
$500,000
Buy - Rs. *

*GST included

Brochure

Policy Maximum

$50,000
Deductible: $100

$100,000
Deductible: $100

$250,000
Deductible: $100

$500,000
Deductible: $100

$50,000
Deductible: $50

$100,000
Deductible: $50

$250,000
Deductible: $50

$500,000

Deductible: $50

Accident & Sickness Medical Expenses: ^?

$50,000
Deductible: $100

$100,000
Deductible: $100

$250,000
Deductible: $100

$500,000
Deductible: $100

$50,000
Deductible: $50

$100,000
Deductible: $50

$250,000
Deductible: $50

$500,000
Deductible: $50

Medical Evacuation: ^?

Included under Accident & Sickness Medical Expenses

Included under Medical Expenses

Repatriation of Remains: ^?

Included under Accident & Sickness Medical Expenses

Included under Medical Expenses

Pre-existing Cover

Reimbursment up to $1,500 per policy (covered under life threatening situations)

Other than critical illness, declared pre-existing ailments are covered under life threatening situations.

Accidental Death & Dismemberment: ^?

$10,000

$15,000

$25,000

$15,000

$20,000

$25,000

$30,000

AD & D Common Carrier

NA***

$5,000

$2,500

$5,000

Dental Treatment: ^?

$300
Deductible: $150

$400
Deductible: $150

$500
Deductible: $150

$1000
Deductible: $150

$500
Deductible: $50

Personal Liability: ^?

$100,000
Deductible: $200

$150,000
Deductible: $200

$200,000
Deductible: $200

$500,000
Deductible: $200

$50,000

$100,000

$200,000

$250,000

Loss of Checked Baggage: ^?

$500

$750

$1000

$500

$1,000

$1,200

$1,500

Baggage Delay: ^?

$50
Deductible: 12 hours

$100
Deductible: 12 hours

$200
Deductible: 12 hours

$500
Deductible: 12 hours

$100
Deductible: 12 hours

Loss of PassPort: ^?

$250
Deductible: $30

$300
Deductible: $25

Hijack Distress Allowance

NA***

$100 per day up to maximum of $500
Deductible: 1 day

NA***

$50 per day up to Max.7 days
Deductible: 12 hours

$75 per day up to Max. 7 days
Deductible: 12 hours

$125 per day up to Max. 7 days
Deductible: 12 hours

Daily allowance in case of hospitalization

NA***

$25 per day up to Max 5 days
Deductible: 2 day

$25 per day up to Max 6 days
Deductible: 2 day

$25 per day up to Max 7 days
Deductible: 2 day

Trip Delay

NA***

$10 per 12 hrs up to maximum of $100
Deductible: 12 hrs

NA***

$25 per day up to Max 6 days
Deductible: 12 hrs

$50 per day up to Max 6 days
Deductible: 12 hrs

$60 per day up to Max 6 days
Deductible: 12 hrs

Trip Cancellation & Interruption

$500
Deductible: $50

$750
Deductible: $75

$1000
Deductible: $100

NA***

$600

Missed Connection: ^?

$500
Deductible: $50

$750
Deductible: $75

$1000
Deductible: $100

NA***

$200

$300

$500

Emergency Cash Advance: ^?

$500

$1,000

$1500

NA***

$300

Home Burglary Insurance: ^?

1 Lakh

2 Lakhs

NA***

1 Lakh

2 Lakhs

3 Lakhs

Compassionate Visit

NA***

Return Fare for any one accompanying person- spouse / child / family doctor

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.

Reliance offers benefits per policy period.
Medical Sublimits for Reliance starts from the age of 61 yrs.
Travelers from 6 months to 90 years can buy the insurance for 182 days
Reliance can be renewed up to 182 days, Sum total of initial and each subsequent renewal not exceeding 360 days
Senior citizens aged between 71-90 years can by the Reliance senior citizen insurance without giving any medical reports
Covers pre-existing ailments in case of life threatening situations if declared (other than the critical illness)
Pre existing diseases are covered in case of life threatening only for travelers up to 70 years.
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

Limitations

Accident & Sickness Medical Expense is limited to $10,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable.
Accidental Death and Dismemberment Benefit is limited to $5,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable.
Accidental Death and Dismemberment Benefit is limited to 10% of Principal Sum Insured for Insured Person with age 17 years or below.

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.
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

Medical Expenses Sublimits are applicable for travelers aged 61-70 years based on the plan chosen.

*GST included
Coverage	$50,000	$100,000	$250,000	$500,000
Per Illness Limit	$12,000	$13,500	$15,000	$17,500
Per Accident Limit	$20,000	$25,000	$30,000	$35,000

Senior Plan
$50,000

Sublimits?

Buy - Rs. *

Senior Citizen
$15,000

Buy - Rs. *

Senior Citizen
$50,000

Sublimits?

Buy - Rs. *

*GST included

Policy Maximum

$50,000
Deductible: $100

$15,000
Deductible: $100

$50,000
Deductible: $100

Accident & Sickness Medical Expenses: ^?

$50,000
Deductible: $100

$15,000
Deductible: $100

$50,000

Deductible: $100

Medical Evacuation: ^?

Included under Accident & Sickness Medical Expenses

Included under Medical Expenses

Repatriation of Remains: ^?

Included under Accident & Sickness Medical Expenses

$7,000 (Included under Medical Expenses)

Pre-existing Cover

Reimbursment up to $1,500 per policy

Does not cover for pre-existing disesases

Accidental Death & Dismemberment: ^?

$10,000

$15,000

Dental Treatment: ^?

$300
Deductible: $150

$200
Deductible: $50

Personal Liability: ^?

$100,000
Deductible: $200

$15,000

Loss of Checked Baggage: ^?

$500

Checked in Baggage Delay

$50
Deductible: 12 hours

NA***

Loss of PassPort: ^?

$250
Deductible: $30

$150
Deductible: $25

Emergency Cash Advance: ^?

$500

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.
Sublimits for TATA AIG are applicable for 70+ travelers. However if you buy a plan without medical sublimits then you are insured up to policy maximum ($50,000)
For 70+ travelers TATA AIG can be purchased up to 180 days and sum total of initial and each subsequent renewal not exceed 180 days.
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 $1,500 only incase of life threatening situation
Renewal of Annual Multi Trip policies will now be extended even beyond 70 years of age.

Reliance offers benefits per policy period.
Sublimits for Reliance are applicable for 70+ travelers. However if you buy a plan without medical sublimits then you are insured up to policy maximum ($50,000)
Senior citizens aged between 71-90 years can by the Reliance senior citizen insurance without giving any medical reports
Reliance can be renewed up to 182 days, Sum total of initial and each subsequent renewal not exceeding 360 days
Reliance offers $15,000 & $50,000 coverage insurance from 71 to 80 years for 182 days

Reliance offers benefits per policy period.
Sublimits for Reliance are applicable for 70+ travelers. However if you buy a plan without medical sublimits then you are insured up to policy maximum ($50,000)
Senior citizens aged between 71-90 years can by the Reliance senior citizen insurance without giving any medical reports
Reliance can be renewed up to 182 days, Sum total of initial and each subsequent renewal not exceeding 360 days
Reliance offers $15,000 & $50,000 coverage insurance from 71 to 80 years for 182 days

Limitations

Accident & Sickness Medical Expense is limited to $10,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable.
Accidental Death and Dismemberment Benefit is limited to $5,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable.
Accidental Death and Dismemberment Benefit is limited to 10% of Principal Sum Insured for Insured Person with age 17 years or below.

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.
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

Medical Expenses Sublimits are applicable for travelers aged 71-80 years based on the plan chosen.

*GST included
Coverage	$15,000	$50,000
Per Illness Limit	$7,500	$15,000
Per Accident Limit	$7,500	$15,000

Medical Expenses Sublimits are applicable for travelers aged 71-80 years based on the plan chosen.

*GST included
Coverage	$15,000	$50,000
Per Illness Limit	$7,500	$15,000
Per Accident Limit	$7,500	$15,000


Senior Plan $50,000 Sublimits? YES NO Buy - Rs. *	Senior Citizen $50,000 Buy - Rs. *
*GST included
Policy Maximum
$50,000 Deductible: $100	$50,000 Deductible: $100
Accident & Sickness Medical Expenses: ^?
$50,000 Deductible: $100	$50,000 Deductible: $100
Medical Evacuation: ^?
Included under Accident & Sickness Medical Expenses	Included under Medical Expenses
Repatriation of Remains: ^?
Included under Accident & Sickness Medical Expenses	$7,000 (Included under Medical Expenses)
Pre-existing Cover
Reimbursment up to $1,500 per policy	Does not cover for pre-existing disesases
Accidental Death & Dismemberment: ^?
$10,000	$15,000
Dental Treatment: ^?
$300 Deductible: $150	$200 Deductible: $50
Personal Liability: ^?
$100,000 Deductible: $200	$15,000
Loss of Checked Baggage: ^?
$500	$500
Checked in Baggage Delay
$50 Deductible: 12 hours	NA***
Loss of PassPort: ^?
$250 Deductible: $30	$150 Deductible: $25
Emergency Cash Advance: ^?
$500	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. Sublimits for TATA AIG are applicable for 70+ travelers. However if you buy a plan without medical sublimits then you are insured up to policy maximum ($50,000) For 70+ travelers TATA AIG can be purchased up to 180 days and sum total of initial and each subsequent renewal not exceed 180 days. 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 $1,500 only incase of life threatening situation Renewal of Annual Multi Trip policies will now be extended even beyond 70 years of age.	Reliance offers benefits per policy period. Sublimits for Reliance are applicable for 70+ travelers. Senior citizens aged between 71-90 years can buy the Reliance senior citizen insurance without giving any medical reports Reliance can be renewed up to 182 days, Sum total of initial and each subsequent renewal not exceeding 360 days Reliance offers $50,000 coverage insurance from 81 to 90 years for 182 days
Limitations
Accident & Sickness Medical Expense is limited to $10,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable. Accidental Death and Dismemberment Benefit is limited to $5,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable. Accidental Death and Dismemberment Benefit is limited to 10% of Principal Sum Insured for Insured Person with age 17 years or below.
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. 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	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. 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


Senior Plan ($50,000) Sublimits? YES NO Buy - Rs. *
*GST included
Policy Maximum
$50,000 Deductible: $100
Accident & Sickness Medical Expenses: ^?
$50,000 Deductible: $100
Medical Evacuation: ^?
Included under Accident & Sickness Medical Expenses
Repatriation of Remains: ^?
Included under Accident & Sickness Medical Expenses
Pre-existing Cover
Reimbursment up to $1,500 per policy (covered under life threatening situations)
Accidental Death & Dismemberment: ^?
$10,000
Dental Treatment: ^?
$300 Deductible: $150
Personal Liability: ^?
$100,000 Deductible: $200
Loss of Checked Baggage: ^?
$500
Checked in Baggage Delay
$50 Deductible: 12 hours
Loss of PassPort: ^?
$250 Deductible: $30
Emergency Cash Advance: ^?
$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. Sublimits for TATA AIG are applicable for 70+ travelers. However if you buy a plan without medical sublimits then you are insured up to policy maximum ($50,000) For 70+ travelers TATA AIG can be purchased up to 180 days and sum total of initial and each subsequent renewal not exceed 180 days. 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 $1,500 only incase of life threatening situation Renewal of Annual Multi Trip policies will now be extended even beyond 70 years of age.
Limitations
Accident & Sickness Medical Expense is limited to $10,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable. Accidental Death and Dismemberment Benefit is limited to $5,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable. Accidental Death and Dismemberment Benefit is limited to 10% of Principal Sum Insured for Insured Person with age 17 years or below.
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. 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

	TATA AIG	Reliance
*GST included
Claims Settlement Ratio ^**	66.59%	42.31%
Number of Lives Covered ^*	827,689	185,390
Number of policies issued ^*	509,990	185,390
* As per IRDAI report for 2018-19 ** As per NL25 data published on the Insurance Company website

*** NA - Not available

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

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