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TATA AIG vs Bajaj Allianz international student insurance

TATA AIG vs Bajaj Allianz international student insurance

Compare TATA AIG vs Bajaj Allianz Travel insurance

Student Guard Plan A $50,000	Student Guard Plan B $100,000	Student Guard Ultimate	Student Supreme $500,000	Companion Standard	Elite Standard	Prime Standard
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Accident & Sickness Medical Expenses:
$50,000 Deductible: $100	$100,000 Deductible: $100	$250,000 Deductible: $100	$500,000 Deductible: $100	$50,000 Deductible: $100	$50,000 Deductible: $100	$50,000 Deductible: $100
Medical Evacuation
$5,000	$10,000	$15,000	$25,000	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses
Repatriation of Remains
$2,500	$5,000	$7,500	$10,000	Included under Medical Expenses	Included under Medical Expenses	$5,000
Pre-existing conditions
$500	$1,000	$2,500	$5,000	Not Avaliable	Not Avaliable	Not Avaliable
Dental Treatment:
$250 Deductible: $100	$300 Deductible: $100	$400 Deductible: $100	$500 Deductible: $100	$500 included in medical expenses Deductible: $100	$500 included in medical expenses Deductible: $100	$500 included in medical expenses Deductible: $100
Study Interruption:
$7,500	$7,500	$15,000	$25,000	Not Avaliable	Not Avaliable	Not Avaliable
Compassionate Visit(2-Way)
$1,500	$5,000	$7,500	$10,000	Not Avaliable	Not Avaliable	Not Avaliable
Tution Fee
Not Avaliable	Not Avaliable	Not Avaliable	Not Avaliable	$10,000	$10,000	$10,000
Bail Bond:
$500	$1,000	$5,000	$5,000	Not Avaliable	Not Avaliable	$500 Deductible: $50
Sponsor Protection:
$10,000	$10,000	$20,000	$25,000	Not Avaliable	Not Avaliable	$10,000 Deductible: Nil
Child care benefit
$250	$500	$1,000	$1,500	Not Avaliable	Not Avaliable	Not Avaliable
Physiotherapy
$500	$500	$500	$500	Not Avaliable	Not Avaliable	Not Avaliable
Cancer Screening and Mammography
$250	$500	$1,500	$3,000	Not Avaliable	Not Avaliable	Not Avaliable
Accidental Death & Dismemberment:
$10,000	$25,000	$25,000	$50,000	$50,000	$25,000	$25,000
AD & D Common Carrier
Not Avaliable	Not Avaliable	Not Avaliable	Not Avaliable	Not Avaliable	$2,500	$2,500
Personal Liability:
$100,000 Deductible: $200	$100,000 Deductible: $200	$500,000 Deductible: $200	$500,000 Deductible: $200	$100,000 Deductible: $200	$100,000 Deductible: $200	$100,000 Deductible: $200
Loss of Checked Baggage
$500	$1,000	$2,000	$2,500	$1,000 Deductible: $100	$1,000 Deductible: $100	$1,000 Deductible: Nil
Loss of PassPort:
$250 Deductible: $30	$250 Deductible: $30	$250 Deductible: $30	$250 Deductible: $30	Not Avaliable	Not Avaliable	Not Avaliable
Hijack Cash Benefit
$100 per day; Maximum $500 Deductible: 1 Day	$100 per day; Maximum $500 Deductible: 1 Day	$100 per day; Maximum $500 Deductible: 1 Day	$100 per day, Maximum $500 Deductible: 1 Day	Not Avaliable	Not Avaliable	Not Avaliable
Trip Delay
$10 per 12hrs, Max $100 Deductible: 12 hours	$10 per 12hrs, Max $100 Deductible: 12 hours	$10 per 12hrs, Max $100 Deductible: 12 hours	$10 per 12hrs, Max $100 Deductible: 12 hours	Not Avaliable	Not Avaliable	Not Avaliable
Missed Connection:
$250 Deductible: $25	$500 Deductible: $50	$750	$1,000 Deductible: $100	Not Avaliable	Not Avaliable	Not Avaliable

Difference between TATA and Bajaj Allianz	TATA AIG	Bajaj Allianz
*GST included
Claims Settlement Ratio ^**	66.59%	88.43%
Number of Lives Covered ^*	827,689	654,583
Number of policies issued ^*	509,990	506,493
* As per IRDAI report for 2018-19 ** As per NL25 data published on the Insurance Company website

*** NA - Not available

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Student Travel Insurance is an insurance policy specifically designed for students travelling abroad on student visa to pursue their higher studies. The policy covers students who are enrolling in colleges, universities or institutes in a foreign country for professional/other academic courses. There are coverages specific to students that include Sponsor Protection, Compassionate Visit , Bail Bond and Study Interruption.
Coverages Offered	Policy Exclusions
Emergency Accident & Sickness Reimbursement Medical Evacuation Repatriation of Remains Treatment of Mental Disorders Cancer Screening and Mammography Maternity Coverage Study Interruption Sponsor Protection Missed Connection Compassionate Visit (2 way) Emergency Cash Advance	Travelling against the advice of a Physician Pre-existing Conditions Serving in any branch of the Naval, Military or Air Forces Being under the influence due to usage/abuse of drugs, alcohol, or other intoxicants Ionising radiation or contamination by radioactivity from any nuclear fuel External congenital anomalies Adventure sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing Ayurvedic, Homeopath or naturopathy treatments