Bajaj Allianz vs Reliance Travel Insurance , Reliance vs Bajaj Allianz general insurance


Standard Plan $50,000	Silver Plan $100,000	Gold Plan $250,000	Platinum Plan $500,000	Travel Care	Travel Elite Silver	Prime Silver	Travel Assist Classic
*GST included
Accident & Sickness Medical Expenses: ^?
$50,000 Deductible: $50	$100,000 Deductible: $50	$250,000 Deductible: $50	$500,000 Deductible: $50	$50,000 Deductible: $100	$50,000 Deductible: $100	$50,000 Deductible: $100	$50,000 Deductible: $100
Medical Evacuation: ^?
Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses
Repatriation of Remains: ^?
Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	$5,000 (Included under Medical Expenses)	Included under Medical Expenses
Pre-existing Cover
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.	Not covered	Not covered	Not covered	$300
Accidental Death & Dismemberment: ^?
$15,000	$20,000	$25,000	$30,000	$10,000	$15,000	$15,000	$25,000
AD & D Common Carrier
$2,500	$2,500	$5,000	$5,000	NA	$2,500	$2,500	NA
Dental Treatment: ^?
$500 Deductible: $50	$500 Deductible: $50	$500 Deductible: $50	$500 Deductible: $50	$500 Deductible: $100	$500 Deductible: $100	$500 Deductible: $100	$500 Deductible: $100
Personal Liability: ^?
$50,000	$100,000	$200,000	$250,000	$100,000 Deductible: $100	$100,000 Deductible: $100	$100,000 Deductible: $100	$100,000 Deductible: $200
Loss of Checked Baggage: ^?
$500	$1,000	$1,200	$1,500	$250 Deductible: Nil	$500 Deductible: Nil	$500 Deductible: Nil	$250 Deductible: Nil
Baggage Delay: ^?
$100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours
Loss of PassPort: ^?
$300 Deductible: $25	$300 Deductible: $25	$300 Deductible: $25	$300 Deductible: $25	$250 Deductible: $15	$250 Deductible: $25	$250 Deductible: $25	$250 Deductible: $25
Hijack Distress Allowance
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	$50 per day to max $300	$50 per day to max $300	$50 per day to max $300	$50 per day to max $300
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	NA	$20 per day to max $100	$25 per day to max $100	NA
Flight Delay
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	NA	$20 per 12 hrs, maximum $120 Deductible: 12 hrs	$25 per 12 hrs, maximum $120 Deductible: 12 hrs	NA
Trip Cancellation
NA	$600	$600	$600	NA	$500	$500	NA
Missed Connection: ^?
NA	$200	$300	$500	NA	NA	$100 Deductible: 12 hrs	NA
Emergency Cash Advance: ^?
NA	$300	$300	$300	NA	$500	$500	$500
Home Burglary Insurance: ^?
NA	1 Lakh	2 Lakhs	3 Lakhs	NA	Rs1,00,000	Rs1,00,000	NA
Important Points
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				Bajaj Allianz plans are available for travelers till the age of 98 years. Wide range of plan options to suit travelers requirements and budget. The Assist Card plan covers for pre-existing medical conditions for a limited amount depending on the plan choosen. Initially plan can be purchased for 180 days and can be renewed for another 180 days. Renewal is on case to case basis. Medical Sublimits for Bajaj Allianz travel starts from the age of 61 years. Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.

Standard Plan
$50,000

Silver Plan
$100,000

Gold Plan
$250,000

Platinum Plan
$500,000

Companion Age
$50,000
Medical Expenses due to any one illness : $12,500
Medical Expenses due to any one accident: $25,000

Elite Age Silver

Medical Expenses due to any one illness : $12,500
Medical Expenses due to any one accident: $25,000

Prime Age Silver

Medical Sublimits for any one illness & accident (are as shown below)

Assist Age
$50,000

Medical Expenses due to any one illness : $12,500
Medical Expenses due to any one accident: $25,000

*GST included

Accident & Sickness Medical Expenses: ^?

$50,000
Deductible: $50

$100,000
Deductible: $50

$250,000
Deductible: $50

$500,000
Deductible: $50

$50,000
Deductible: $100

Medical Evacuation: ^?

Included under Medical Expenses

Repatriation of Remains: ^?

Included under Medical Expenses

$5,000 (Included under Medical Expenses)

Included under Medical Expenses

Pre-existing Cover

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

Not covered

$300

Accidental Death & Dismemberment: ^?

$15,000

$20,000

$25,000

$30,000

$10,000

$15,000

$25,000

AD & D Common Carrier

$2,500

$5,000

$2,500

Dental Treatment: ^?

$500
Deductible: $50

$500
Deductible: $100

Personal Liability: ^?

$50,000

$100,000

$200,000

$250,000

$100,000
Deductible: $100

$200,000
Deductible: $200

Loss of Checked Baggage: ^?

$500

$1,000

$1,200

$1,500

$250

$500
Deductible: Nil

$250

Baggage Delay: ^?

$100
Deductible: 12 hours

Loss of PassPort: ^?

$300
Deductible: $25

$250
Deductible: $25

Hijack Distress Allowance

$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

$50 per day to max $300

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

$25 per day to max $100

$20 per day to max $100

Flight Delay

$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

$20 per 12 hrs, maximum $120
Deductible: 12 hrs

$25 per 12 hrs, maximum $120
Deductible: 12 hrs

Trip Cancellation

$600

$500

Missed Connection: ^?

$200

$300

$500

$100
Deductible: 12 hrs

Emergency Cash Advance: ^?

$300

$500

Home Burglary Insurance: ^?

1 Lakh

2 Lakhs

3 Lakhs

Rs1,00,000

Important Points

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

Bajaj Allianz plans are available for travelers till the age of 98 years.
Wide range of plan options to suit travelers requirements and budget.
The Assist Card plan covers for pre-existing medical conditions for a limited amount depending on the plan choosen.
Initially plan can be purchased for 180 days and can be renewed for another 180 days. Renewal is on case to case basis.
Medical Sublimits for Bajaj Allianz travel starts from the age of 61 years.
Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.

Sublimits

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

Medical Sublimit under Medical expenses for age 61 -70 years who have purchased TRAVEL PRIME PLAN

Medical Sublimit under Medical expenses	Prime Age Silver	Prime Age Gold	Prime Age Platinum	Prime Age Super Platinum	Prime Age Maximum
Hospital Room, Board and Hospital miscellaneous	$1,200 per day	$1,500 per day	$1,700 per day	$2,000 per day	$2,300 per day
Intensive Care Unit	$2,000 per day	$2,500 per day	$2,500 per day	$3,000 per day	$3,200 per day
Surgical Treatment	$8000	$9,000	$11,500	$15,000	$20,000
Anesthetist Services	25% of Surgeons Charges	25% of Surgeons Charges	25% of Surgeons Charges	25% of Surgeons Charges	25% of Surgeons Charges
Physician's Visit	$50 per day	$75 per day	$75 per day	$100 per day	$150 per day
Diagnostic and Pre-Admission Testing	$400	$500	$600	$1,000	$1,500
Ambulance Services	$300	$400	$500	$600	$1,000

Senior Citizen
$15000

Senior Plan With Sublimits
$50,000

Senior Citizen With Sublimits
$50,000

Prime Super Age With Sublimits
$50,000

*GST included

Accident & Sickness Medical Expenses: ^?

$15,000
Deductible: $100

$50,000
Deductible: $100

Medical Evacuation: ^?

Included under Medical Expenses

Repatriation of Remains: ^?

$7,000 (Included under Medical Expenses)

Included under Medical Expenses

$7,000 (Included under Medical Expenses)

Personal Liability: ^?

$15,000

$100,000
Deductible: $100

$15,000

Loss of Checked Baggage: ^?

$500

Checked in Baggage Delay

$100
Deductible: 12 hours

Loss of PassPort: ^?

$150
Deductible: $25

$250
Deductible: $25

$150
Deductible: $25

Emergency Cash Advance: ^?

$500
Deductible: $100

$250
Deductible: $25

Important Points

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

Bajaj Allianz plans are available for travelers till the age of 98 years.
Wide range of plan options to suit travelers requirements and budget.
The Assist Card plan covers for pre-existing medical conditions for a limited amount depending on the plan choosen.
Initially plan can be purchased for 180 days and can be renewed for another 180 days. Renewal is on case to case basis.
Medical Sublimits for Bajaj Allianz travel starts from the age of 61 years.
Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.

Sublimits

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

Medical Sublimit under Medical expenses for age 71-99 years who purchase PRIME SUPER AGE PLAN

Hospital Room, Board and Hospital miscellaneous	$1,200 per day
Intensive Care Unit	$2,000 per day
Surgical Treatment	$8000
Anesthetist Services	25% of Surgeons Charges
Physician's Visit	$50 per day
Diagnostic and Pre-Admission Testing	$400
Ambulance Services	$300

Senior Citizen Plan With Sublimits
$50,000

Senior Citizen Plan With Sublimits
$50,000

Any One Illness: $8,500 for 71-75, $7,500 for 76-80 & $5,000 for 81-85 age group Any One Accident: $20,000 for 71-85 age group

Prime Super Age With Sublimits
$50,000

Medical Sublimits are as shown below

*GST included

Accident & Sickness Medical Expenses: ^?

$50,000
Deductible: $100

Medical Evacuation: ^?

Included under Medical Expenses

Repatriation of Remains: ^?

$7,000 (Included under Medical Expenses)

Included under Medical Expenses

$7,000 (Included under Medical Expenses)

Personal Liability: ^?

$15,000

$100,000
Deductible: $100

$15,000

Loss of Checked Baggage: ^?

$500

Checked in Baggage Delay

$100
Deductible: 12 hours

Loss of PassPort: ^?

$150
Deductible: $25

$250
Deductible: $25

$150
Deductible: $25

Emergency Cash Advance: ^?

$500
Deductible: $100

$250
Deductible: $25

Important Points

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

Bajaj Allianz plans are available for travelers till the age of 98 years.
Wide range of plan options to suit travelers requirements and budget.
The Assist Card plan covers for pre-existing medical conditions for a limited amount depending on the plan choosen.
Initially plan can be purchased for 180 days and can be renewed for another 180 days. Renewal is on case to case basis.
Medical Sublimits for Bajaj Allianz travel starts from the age of 61 years.
Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.

Sublimits

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

Medical Sublimit under Medical expenses for age 71-99 years who purchase PRIME SUPER AGE PLAN

Hospital Room, Board and Hospital miscellaneous	$1,200 per day
Intensive Care Unit	$2,000 per day
Surgical Treatment	$8000
Anesthetist Services	25% of Surgeons Charges
Physician's Visit	$50 per day
Diagnostic and Pre-Admission Testing	$400
Ambulance Services	$300

Senior Citizen Plan With Sublimits
$50,000

Prime Super Age With sublimits
$50,000

*GST included

Accident & Sickness Medical Expenses: ^?

$50,000
Deductible: $100

Medical Evacuation: ^?

Included under Medical Expenses

Repatriation of Remains: ^?

$7,000 (Included under Medical Expenses)

Personal Liability: ^?

$15,000

Loss of Checked Baggage: ^?

$500

Checked in Baggage Delay

Loss of PassPort: ^?

$150
Deductible: $25

Emergency Cash Advance: ^?

$250
Deductible: $25

Important Points

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

Bajaj Allianz plans are available for travelers till the age of 98 years.
Wide range of plan options to suit travelers requirements and budget.
The Assist Card plan covers for pre-existing medical conditions for a limited amount depending on the plan choosen.
Initially plan can be purchased for 180 days and can be renewed for another 180 days. Renewal is on case to case basis.
Medical Sublimits for Bajaj Allianz travel starts from the age of 61 years.
Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.

Sublimits

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

Medical Sublimit under Medical expenses for age 71-99 years who purchase PRIME SUPER AGE PLAN

Hospital Room, Board and Hospital miscellaneous	$1,200 per day
Intensive Care Unit	$2,000 per day
Surgical Treatment	$8000
Anesthetist Services	25% of Surgeons Charges
Physician's Visit	$50 per day
Diagnostic and Pre-Admission Testing	$400
Ambulance Services	$300

Prime Super Age With sublimits
$50,000

*GST included

Accident & Sickness Medical Expenses: ^?

$50,000
Deductible: $100

Medical Evacuation: ^?

Included under Medical Expenses

Repatriation of Remains: ^?

$5,000 (Included under Medical Expenses)

Personal Liability: ^?

$100,000
Deductible: $100

Loss of Checked Baggage: ^?

$500

Checked in Baggage Delay

$100
Deductible: 12 hours

Loss of PassPort: ^?

$150
Deductible: $25

Emergency Cash Advance: ^?

$500

Important Points

Bajaj Allianz plans are available for travelers till the age of 98 years.
Wide range of plan options to suit travelers requirements and budget.
The Assist Card plan covers for pre-existing medical conditions for a limited amount depending on the plan choosen.
Initially plan can be purchased for 180 days and can be renewed for another 180 days. Renewal is on case to case basis.
Medical Sublimits for Bajaj Allianz travel starts from the age of 61 years.
Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.

Sublimits

Medical Sublimit under Medical expenses for age 71-99 years who purchase PRIME SUPER AGE PLAN

Hospital Room, Board and Hospital miscellaneous	$1,200 per day
Intensive Care Unit	$2,000 per day
Surgical Treatment	$8000
Anesthetist Services	25% of Surgeons Charges
Physician's Visit	$50 per day
Diagnostic and Pre-Admission Testing	$400
Ambulance Services	$300

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