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Bajaj Allianz vs Reliance Travel insurance

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Compare Bajaj Allianz vs Reliance Travel insurance

Reliance logo Reliance logo Reliance logo Reliance logo bajaj-allianz bajaj-allianz bajaj-allianz bajaj-allianz
Standard Plan Silver Plan Gold Plan Platinum Plan Travel Care ? Elite Silver ? Prime Silver ? Assist Classic ?
Available Coverage Options
$50,000 $100,000 $250,000 $500,000 $50,000, $200,000, $500,000 $50,000, $200,000, $500,000 $50,000, $200,000, $500,000, $750,000, $1000,000 $50,000, $200,000, $500,000
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 Coverage
Pre-Existing disease coverage only in case of life threatening conditions. Pre-Existing disease coverage only in case of life threatening conditions. Pre-Existing disease coverage only in case of life threatening conditions. Pre-Existing disease coverage only in case of life threatening conditions. 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.

What are the unique features of Bajaj Allianz and Reliance travel insurance?

Unique Features of Bajaj Allianz

  • One of the largest Travel Insurance companies in India, known for proactive customer service and claims settlements. JV between Bajaj Finance and Allianz Insurance Group of Germany.
  • WidestRange of Innovating and Comprehensive Travel Insurance plans to suit travellers requirements and budget.
  • Travellers aged between 6 months and 70 years can purchase a Regular Bajaj Travel Insurance plan and Senior Citizens can but the Senior Companion Plan from 71 till the insured reaches the age of 99 years.
  • Bajaj Allianz allows travel insurance plan to be purchased for 180 days and renewed for another maximum of 180 days subject to underwriting approval and on a case to case basis.
  • Medical Sublimits for Sickness Treatment under Bajaj Allianz travel insurance plans starts from the age of 61 years. There are no sub limits for Accidental Hospitalisation either inpatient or outpatient.
  • The Assist Card plan offers coverage of Pre-existing medical conditions for a limited amount depending on the plan opted for.
  • No Medical Check up and Entry Age Restriction for Bajaj Travel insurance plans.
  • Only Insurance company to offer In House Claims and Assistance which ensures timely and efficient claims management. While their Call Centre is in India, they offer Toll Free Assistance numbers across the world.

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.

How much does Bajaj Allianz travel insurance cost?

The Bajaj Allianz travel insurance price starts at ₹1,619 per month for 25 years old traveler, covering Worldwide Including the USA and Canada, based on type of plan and policy maximum coverage.

Plan Name $50,000 $200,000 $500,000 $750,000 $1,000,000
Travel Companion ₹1,619 ₹1,834 ₹2,159 - -
Travel Elite ₹1,863 ₹2,110 ₹2,486 - -
Travel ACE ₹2,994 ₹4,100 ₹9,020 - -
Travel Prime ₹2,057 ₹2,297 ₹2,659 ₹3,126 ₹3,340
Travel Assist ₹2,755 ₹3,124 ₹3,677 - -

The Bajaj Allianz travel insurance price starts at ₹1,072 per month for 25 years old traveler, covering Worldwide Excluding the USA and Canada, based on type of plan and policy maximum coverage.

Plan Name $50,000 $200,000 $500,000 $750,000 $1,000,000
Travel Companion ₹1,072 ₹1,232 ₹1,509 - -
Travel Elite ₹1,234 ₹1,416 ₹1,737 - -
Travel ACE ₹1,380 ₹1,984 ₹5,636 - -
Travel Prime ₹1,445 ₹1,625 ₹1,936 ₹2,276 ₹2,431
Travel Assist ₹1,827 ₹2,096 ₹2,569 - -

How much does a Reliance Overseas travel medical cost per month (30 days)?

The Reliance Overseas travel medical insurance cost per month (30 days) starts at just ₹1,407 for coverage Worldwide Including USA & Canada. Reliance Overseas travel medical insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Reliance Overseas travel medical plan variants.

Traveler's age Travel Standard Travel Silver Travel Gold Travel Platinum
$50,000 $100,000 $250,000 $500,000
0-40 years ₹1,407 ₹1,992 ₹2,312 ₹2,722
41-60 years ₹2,041 ₹2,443 ₹2,927 ₹3,517
61-70 years (Limited coverage) ₹3,664 ₹4,409 ₹5,026 ₹7,976
Traveler's age Senior Citizen
$15,000 $50,000
71-80 years ₹3,664 ₹6,865(Limited coverage) ₹15,788
Traveler's age Senior Citizen
$50,000
81 - 85 years ₹10,380
86 - 90 years ₹17,887

The Reliance Overseas travel medical insurance cost per month (30 days) starts at just ₹1,212 for coverage Worldwide Excluding USA & Canada. Reliance Overseas travel medical insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Reliance Overseas travel medical plan variants.

Traveler's age Travel Standard Travel Silver Travel Gold Travel Platinum
$50,000 $100,000 $250,000 $500,000
0-40 years ₹1,212 ₹1,342 ₹1,543 ₹1,897
41-60 years ₹1,385 ₹1,484 ₹1,708 ₹2,602
61-70 years (Limited coverage) ₹2,429 ₹2,972 ₹3,185 ₹5,597
Traveler's age Senior Citizen
$15,000 $50,000
71-80 years ₹2,429 ₹4,993(Limited coverage) ₹5,991
Traveler's age Senior Citizen
$50,000
81 - 85 years ₹7,649
86 - 90 years ₹14,800

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