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TATA AIG vs Bajaj Allianz Travel insurance

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Compare TATA AIG vs Bajaj Allianz travel insurance

tata aig medicare tata aig medicare tata aig medicare tata aig medicare bajaj-allianz bajaj-allianz bajaj-allianz bajaj-allianz
Silver Silver Plus Gold Platinum Plan Companion ? Elite ? Prime ? Travel Ace ?
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, $100,000, $200,000, $500,000
Medical Expenses - injury and or Illness: ?
$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
$50,000
Deductible: $100
Pre-existing Conditions Cover in life threatening ?
up to $2,500/- up to $5,000/- up to $10,000/- up to $12,500/- up to $3000 up to $3000 up to $3000 up to $3000
Emergency Medical Evacuation: ?
Up to $50,000
Deductible: $100
Up to $100,000
Deductible: $100
Up to $250,000
Deductible: $100
Up to $500,000
Deductible: $100
Up to $50,000
Deductible: $100
Up to $100,000
Deductible: $100
Up to $250,000
Deductible: $100
Up to $500,000
Deductible: $100
Repatriation of Remains: ?
Back to home country - 25% of sum insured; nearest burial ground in overseas - $2,500 Back to home country - 25% of sum insured; nearest burial ground in overseas - $2,500 Back to home country - 25% of sum insured; nearest burial ground in overseas - $2,500 Back to home country - 25% of sum insured; nearest burial ground in overseas - $2,500 Up to $50,000 Up to $50,000 Up to $50,000 Up to $50,000
Loss of Checked-in Baggage: ?
$200 $200 $300 $300 $250
Deductible: Nil
$500
Deductible: Nil
$500
Deductible: Nil
$250
Deductible: Nil
Delay of Checked-in Baggage: 
$40 (Deductible: 4 hours) $40 (Deductible: 4 hours) $45 (Deductible: 4 hours) $50 (Deductible: 4 hours) $100
Deductible: 12 hours
$100
Deductible: 12 hours
$100
Deductible: 12 hours
$100
Deductible: 12 hours
Flight Delay
Not Available Not Available $45 For all overseas flights taken during Insured Trip (Deductible: 4 hours) $50 For all overseas flights taken during Insured Trip (Deductible: 4 hours) NA $20 per 12 hrs, maximum $120
Deductible: 12 hrs
$25 per 12 hrs, maximum $120
Deductible: 12 hrs
NA
Flight Cancellation
Not Available $75 $75 $150 NA $500 $500 NA
Trip Curtailment
$500 (Deductible: $50) $500 (Deductible: $50) $750 (Deductible: $75) $1,000 (Deductible: $100) NA $200 $200 NA
Trip Cancellation
$500 (Deductible: $50) $500 (Deductible: $50) $750 (Deductible: $75) $1,000 (Deductible: $100) NA $200 $200 NA
Missed Flight/Connection: 
$250 $250 $500 $750 NA NA $100
Deductible: 12 hrs
NA
Missed booking: 
Not available Not available Not available Not available NA NA $100
Deductible: 12 hrs
NA
Bounced Hotel/Airline booking: 
$500 (Deductible: $50) $500 (Deductible: $50) $750 (Deductible: $75) $1,000 (Deductible: $100) NA NA $100
Deductible: 12 hrs
NA
Loss of Personal Baggage: ?
Not Available Not Available $200 (Deductible: $30) $300 (Deductible: $30) $100
Deductible: 12 hours
$100
Deductible: 12 hours
$100
Deductible: 12 hours
$100
Deductible: 12 hours
Accomodation Extension: 
$500 (Deductible: $50) $250 per day max upto 10 days $300 per day max upto 10 days $750 per day max upto 10 days NA NA $100
Deductible: 12 hrs
NA
Emergency Medical Dental Treatment: 
$300
Deductible: $150
$400
(Deductible: $50)
$500
(Deductible: $50)
$1,000
(Deductible: $50)
$500
Deductible: $100
$500
Deductible: $100
$500
Deductible: $100
$500
Deductible: $100
Loss of Passport: 
$250 (Deductible: $25) $250 (Deductible: $25) $250 (Deductible: $25) $250 (Deductible: $25) $500
Deductible: $100
$500
Deductible: $100
$500
Deductible: $100
$500
Deductible: $100
Loss of International Driving License: 
Not available $100 $100 $100 $50,000
Deductible: $100
$50,000
Deductible: $100
$50,000
Deductible: $100
$50,000
Deductible: $100
Accidental Death/Disablement(overseas): ?
Accidental Death :- $10,000, Disablement :- $10,000, Total :- $10,000 Accidental Death :- $10,000, Disablement :- $10,000, Total :- $10,000 Accidental Death :- $15,000, Disablement :- $15,000, Total :- $15,000 Accidental Death :- $25,000, Disablement :- $25,000, Total :- $25,000 $50,000
Deductible: $100
$50,000
Deductible: $100
$50,000
Deductible: $100
$50,000
Deductible: $100
Personal Accident in India( in INR)
Not available Not available Rs. 15 lakh Rs. 20 lakh NA NA $500 NA
Rental Vehicle Cover
Not available Not available Not available Not available NA NA $500 NA
Rental Vehicle return
Not available Not available Not available Not available NA NA $500 NA
Fraudulent Charges (Payment Card Security)
Per Occurrence Limit $250; Aggregate Limit $500 Per Occurrence Limit $250; Aggregate Limit $500 Per Occurrence Limit $500; Aggregate Limit $1,000 Per Occurrence Limit $1,000; Aggregate Limit $2,000 NA NA NA NA
Home Content Burglary(in Rs.)
Rs.50,000 (Deductible: Rs.5,000) Rs.1 lakh (Deductible: Rs.5,000) Rs.1.5 lakh (Deductible: Rs.5,000) Rs.2.5 lakh (Deductible: Rs.5,000) NA $2,500 $2,500 NA
Hijack/Kidnap Daily Allowance
Not available $75 Per 12 hours, max 10 days $100 Per 12 hours, max 10 days $150 Per 12 hours, max 10 days NA $2,500 $2,500 NA
Personal Liability
$100,000 (Deductible: $200) $100,000 (Deductible: $200) $200,000 (Deductible: $200) $500,000 (Deductible: $250) NA $2,500 $2,500 NA
Compassionate Travel/Stay
Not available Not available Not available Return fare for any one company in person-Spouse/Children/Immediate family member Stay for Insured's Spouse, Children, Family - $3,500 NA $2,500 $2,500 NA
Loss of Cash
Not available Not available Not available $125 NA $2,500 $2,500 NA
Upgradation to Bussiness Class
Not available Not available Not available Not available NA $2,500 $2,500 NA
Alternative transport Expenses: 
Not available Not available Not available Not available $250
Deductible: $15
$250
Deductible: $25
$250
Deductible: $25
$250
Deductible: $25
Pandamic Cover
Not available Not available Not available Not available $50 per day to max $300 $50 per day to max $300 $50 per day to max $300 $50 per day to max $300
Hospital Daily Cash (per day)
Not available Not available Not available Not available NA $20 per day to max $100 $25 per day to max $100 NA
Visa Rejection
Not available Not available Not available Not available NA $20 per day to max $100 $25 per day to max $100 NA
Emergency Extension of the Policy
7 days 7 days 7 days 15 days NA $500 $500 $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.
  • 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.
  • 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
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.
Surgical Treatment Max $10,000
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
 
Trip Curtailment Trip Curtailment Trip Curtailment Trip Curtailment Trip Curtailment Trip Curtailment

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

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 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.

How much does a Tata AIG overseas travel medical insurance cost per month?

The Tata AIG overseas travel medical insurance cost for 30 days starts at just ₹2,474 for coverage Worldwide Including USA & Canada, with premiums inclusive of GST @18%. Tata AIG 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 Tata AIG overseas travel medical insurance variants.


Plan name (US dollar coverage) 0-40 years 41-55 years 56-60 years
(with sublimits)
56-60 years 61-70 years
(with sublimits)
61-70 years
Silver Plan($50,000) ₹2,474 ₹3,216 ₹3,216 ₹6,375 ₹6,175 ₹11,902
Silver Plus Plan A($100,0000) ₹2,499 ₹3,149 ₹3,149 ₹6,920 ₹6,705 ₹14,143
Silver Plus Plan B($100,0000) ₹2,714 ₹3,337 ₹3,337 ₹7,135 ₹6,906 ₹14,358
Silver Plus Plan($100,0000) ₹2,956 ₹3,553 ₹3,553 ₹7,383 ₹7,156 ₹14,625
Gold Plan A ($250,0000) ₹2,672 ₹3,911 ₹3,911 ₹8,957 ₹8,055 ₹17,242
Gold Plan B ($250,0000) ₹3,098 ₹4,337 ₹4,337 ₹9,388 ₹8,486 ₹17,641
Gold Plan($250,0000) ₹3,347 ₹4,593 ₹4,593 ₹9,647 ₹8,768 ₹17,900
Platinum Plan A ($500,0000) ₹2,623 ₹4,099 ₹4,099 ₹9,271 ₹8,336 ₹19,302
Platinum Plan B ($500,0000) ₹3,080 ₹4,586 ₹4,586 ₹9,758 ₹8,823 ₹19,789
Platinum Plan($500,0000) ₹3,549 ₹5,102 ₹5,102 ₹10,275 ₹9,403 ₹20,368
Titanium Plan($750,000) ₹4,775 ₹6,406 ₹6,406 - - -
Titanium Plus Plan($1,000,000) ₹5,699 ₹7,543 ₹7,543 - - -
Plan name (US dollar coverage) 71-75 years 76-80 years 81 - 85 years 86 - 90 years 90 above years
Senior Plan
($50,000)
₹9,097
(with sublimits)
₹21,769 ₹12,998
(with sublimits)
₹31,450 - - - - - -
Senior Plus Plan
($100,000)
₹12,571
(with sublimits)
₹24,351 ₹17,922
(with sublimits)
₹35,141 - - - - - -
Super Senior Plan
($50,000)
- - - - ₹25,504
(with sublimits)
₹54,801 ₹40,975
(with sublimits)
₹88,582 - -
Super Senior Plan
($50,000)
- - - - - - - - ₹51,634
(with sublimits)
₹103,396

The Tata AIG Travel Guard Plus overseas travel medical insurance cost for 30 days starts at just ₹1,183 for coverage Worldwide Excluding USA & Canada, with premiums inclusive of GST @18%. Tata AIG 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 Tata AIG travel guard Plus overseas travel medical insurance plan variants.


Traveler's age Silver Plan Silver Plus Plan Gold Plan Platinum Plan Titanium Plan Titanium Plus Plan
Policy Maximum $50,000 $100,000 $250,000 $500,000 $750,000 $1,000,000
0-40 years ₹1,183 ₹1,391 ₹1,577 ₹1,897 ₹2,431 ₹2,978
41-55 years ₹1,466 ₹1,811 ₹2,142 ₹2,515 ₹2,991 ₹3,625
56-60 years (with sublimits) ₹1,466 ₹1,811 ₹2,142 ₹2,515 ₹2,991 ₹3,625
56-60 years ₹1,887 ₹2,440 ₹3,168 ₹3,354 - -
61-70 years (with sublimits) ₹2,874 ₹3,674 ₹4,174 ₹4,699 - -
61-70 years ₹3,740 ₹4,999 ₹5,915 ₹7,004 - -
Plan name (US dollar coverage) 71-75 years 76-80 years 81 - 85 years 86 - 90 years 90 above years
Senior Plan
($50,000)
₹5,845
(with sublimits)
₹7,725 ₹7,202
(with sublimits)
₹11,174 ₹13,936
(with sublimits)
₹23,486 ₹23,842
(with sublimits)
₹40,555 - ₹55,490
Senior Plus Plan
($100,000)
₹6,604
(with sublimits)
₹10,683 ₹9,352
(with sublimits)
₹15,415 - - - - - -
Super Senior Plan
($50,000)
- - - - ₹25,504
(with sublimits)
₹54,801 ₹40,975
(with sublimits)
₹88,582 - -
Super Senior Plan
($50,000)
- - - - - - - - ₹51,634
(with sublimits)
₹103,396

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 - -

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