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TATA AIG vs Reliance Travel insurance

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Travel Start Date
Travel End Date days
TATA AIG Travel Guard Insurance Reliance Travel Insurance
Silver
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Gold
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Standard
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Company
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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 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 Included under Medical Expenses Included under Medical Expenses
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) Other than critical illness, declared pre-existing ailments are covered under life threatening situations. Other than critical illness, declared pre-existing ailments are covered under life threatening situations. Other than critical illness, declared pre-existing ailments are 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 $10,000 $15,000 $25,000 $15,000 $20,000 $25,000 $30,000
AD & D Common Carrier
NA $5,000 $5,000 $5,000 $2,500 $2,500 $5,000 $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 $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
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

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 NA NA NA 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

$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 $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

NA $600 $600 $600
Missed Connection
$500

Deductible: $50

$500

Deductible: $50

$750

Deductible: $75

$1000

Deductible: $100

NA $200 $300 $500
Emergency Cash Advance
$500 $1,000 $1,000 $1500 NA $300 $300 $300
Home Burglary Insurance (Rs)
1 Lakh 1 Lakh 2 Lakhs 2 Lakhs NA 1 Lakh 2 Lakhs 3 Lakhs
Compassionate Visit
NA NA NA NA Return Fare for any one accompanying person- spouse / child / family doctor Return Fare for any one accompanying person- spouse / child / family doctor Return Fare for any one accompanying person- spouse / child / family doctor 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

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 Reliance

  • Reliance General Insurance is part of the Reliance Anil Ambani Group (ADAG) and offers Travel Insurance for Indians travelling abroad or within India.
  • Reliance Travel Insurance ensure zero paperwork and affordable premiums to ensure their customers have a smooth holiday. Choose from a variety of plans – for individuals or for the entire family.
  • The duration of your trip does not matter – Reliance covers trips upto a duration of 182 days with extensions available up to 365 days.
  • Travelers from 6 months to 90 years can be covered under Reliance Travel Insurance Plans with Senior citizens aged between 71-90 years can buy the Reliance Senior plan without submitting any medical reports.
  • Pre existing diseases are covered in case of life threatening situations only for travellers up to 70 years. There are Sickness Medical Sublimits from the age of 61 years onwards.
  • The Sum Insureds for each benefit are per policy period, which means there is no restoration of sum insured once a claim has been filed.
  • Automated extension of your policy The policy will be extended in case of a medical emergency and evacuation (up to 30 days) and delay of common carrier (up to 7 days).
  • 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.
  • The traveller can avail Cashless Claims (for Inpatient Treatment) and also have access to National and International Assistance Numbers when abroad. These services are provided through Reliance’s Travel Assistance Partner, Europ Assistance.

Travel Insurance useful links

How to buy online?
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
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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Online renewal
Online renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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Insurance claims
Insurance Claims

In case of a claim or reimbursement of treatment expenses, notify by contacting them.

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Policy wordings
Tips on Air Travel

Travel tips for Indian parents

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How are Claims settled?
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 does travel insurance work

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

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Healthcare cost overseas
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 best travel insurance

Tips to find good and adequate international travel health insurance

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    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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