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

TATA AIG Travel Guard Insurance

Reliance Travel Insurance

Silver
BUY NOW

Silver Plus
BUY NOW

Gold
BUY NOW

Platinum
BUY NOW

Standard
BUY NOW

Silver
BUY NOW

Gold
BUY NOW

Platinum
BUY NOW

Company

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.

Accident Death & Dismemberment (AD & D) OR Personal Accident

$10,000

$15,000

$25,000

$15,000

$20,000

$25,000

$30,000

AD & D Common Carrier

$5,000

$2,500

$5,000

Sickness Dental Relief

$300

Deductible: $150

$400

Deductible: $150

$500

Deductible: $150

$1000

Deductible: $150

$500

Deductible: $50

$500

Deductible: $50

$500

Deductible: $50

$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

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

Loss of Passport

$250

Deductible: $30

$250

Deductible: $30

$250

Deductible: $30

$250

Deductible: $30

$300

Deductible: $25

$300

Deductible: $25

$300

Deductible: $25

$300

Deductible: $25

Hijack Distress Allowance

$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 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

$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

$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

$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

$500

Deductible: $50

$750

Deductible: $75

$1000

Deductible: $100

$600

Missed Connection

$500

Deductible: $50

$500

Deductible: $50

$750

Deductible: $75

$1000

Deductible: $100

$200

$300

$500

Emergency Cash Advance

$500

$1,000

$1500

$300

Home Burglary Insurance (Rs)

1 Lakh

2 Lakhs

1 Lakh

2 Lakhs

3 Lakhs

Compassionate Visit

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.

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 by TATA AIG

Sublimits?

BUY NOW

Senior Citizen 15000 by RELIANCE

BUY NOW

Senior Citizen 50000 by RELIANCE

Sublimits?

BUY NOW

Company

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

Accident Death & Dismemberment (AD & D) OR Personal Accident

$10,000

$15,000

Sickness Dental Relief

$300

Deductible: $150

$200

Deductible: $50

$200

Deductible: $50

Personal Liability

$100,000

Deductible: $200

$15,000

Loss of Checked Baggage

$500

Checked in Baggage Delay

$50

Deductible: 12 hours

Loss of Passport

$250

Deductible: $30

$150

Deductible: $25

$150

Deductible: $25

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.

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.

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.

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

Sublimits? YES NO Senior Plan BUY NOW	Senior Citizen 50000 BUY NOW
TATA AIG Travel Guard Insurance	Reliance Travel Insurance
Company

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
Accident Death & Dismemberment (AD & D) OR Personal Accident
$10,000	$15,000
Sickness Dental Relief
$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

Sublimits? YES NO Senior Plan BUY NOW
TATA AIG Travel Guard Insurance
Company

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)
Accident Death & Dismemberment (AD & D) OR Personal Accident
$10,000
Sickness Dental Relief
$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

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

TATA AIG vs Reliance Travel insurance

Unique Features of TATA AIG

Unique Features of Reliance

Compare Other Travel Insurance

Travel Insurance useful links

ONLINE CHAT