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TATA AIG vs Cholamandalam Travel Insurance

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Silver by TATA AIG

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Gold by TATA AIG

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Silver by Cholamandalam


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Gold by Cholamandalam


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Company
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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

$100,000

Deductible: $100

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 Up to $50,000

Deductible: $100

Up to $100,000

Deductible: $100

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 $7,500 $7,500
Pre-existing Cover
Reimbursment up to $1,500 per policy Reimbursment up to $1,500 per policy Reimbursment up to $1,500 per policy Reimbursment up to $1500 per policy NA NA
Accident Death & Dismemberment (AD & D) OR Personal Accident
$10,000 $10,000 $15,000 $25,000 NA NA
AD & D Common Carrier
NA $5,000 $5,000 $5,000 NA NA
Sickness Dental Relief
$300

Deductible: $150

$400

Deductible: $150

$500

Deductible: $150

$1000

Deductible: $150

Up to $250

Deductible: $50

Up to $250

Deductible: $50

Personal Liability
$100,000

Deductible: $200

$150,000

Deductible: $200

$200,000

Deductible: $200

$500,000

Deductible: $200

Up to $100,000 Up to $100,000
Loss of Checked Baggage
$500 $750 $1,000 $1000 Up to $500 Up to $500
Checked-in Baggage Delay
$50

Deductible: 12 hours

$100

Deductible: 12 hours

$200

Deductible: 12 hours

$500

Deductible: 12 hours

Up to $100

Deductible: 12 hours

Up to $100

Deductible: 12 hours

Loss of Passport
$250

Deductible: $30

$250

Deductible: $30

$250

Deductible: $30

$250

Deductible: $30

Up to $150

Deductible: $30

Up to $250

Deductible: $30

Hijack Distress Allowance
NA $100 per day; maximum $500  (Included under Accident & Sickness Medical Expenses)

Deductible: 1 day

$100 per day; maximum $500 (Included under Accident & Sickness Medical Expenses)

Deductible: 1 day

$100 per day; maximum $500 (Included under Accident & Sickness Medical Expenses)

Deductible: 1 day

$100 per day, Max 7 days

Deductible: 12 hours

$100 per day, Max 7 days

Deductible: 12 hours

Daily allowance in case of hospitalization
NA NA NA NA NA $25 per day, Max 14 days
Trip Delay
NA NA NA NA NA $10 per 12 hrs, Max $150

Deductible: 12 hours

Trip Cancellation & Interruption
$500

Deductible: $50

$500

Deductible: $50

$750

Deductible: $75

$1000

Deductible: $100

NA Up to $500

Deductible: $50

Trip Curtailment
$500

Deductible: $50

$500

Deductible: $50

$750

Deductible: $75

$100
0

Deductible: $100

NA Up to $500

Deductible: $50

Emergency Cash Advance
$500 $750 $1,000 $1,500 NA Up to $250
Home Burglary Insurance (Rs)
1 Lakh 1 Lakh 2 Lakhs 2 Lakhs NA Up to Rs.2,00,000
Important Points
To find out the important points of TATA AIG click here » To find out the important points of TATA AIG click here » To find out the important points of TATA AIG click here » To find out the important points of TATA AIG click here » To find out the important points of Cholamandalamclick here » To find out the important points of Cholamandalam click here »
Limitations
To find out the limitations of TATA AIG click here » To find out the limitations of TATA AIG click here » To find out the limitations of TATA AIG click here » To find out the limitations of TATA AIG click here »    
Sublimits
To find out the sublimits of TATA AIG click here » To find out the sublimits of TATA AIG click here » To find out the sublimits of TATA AIG click here » To find out the sublimits of TATA AIG click here »    
Silver by TATA AIG

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Silver Plus by TATA AIG

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Gold by TATA AIG

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Platinum by TATA AIG

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Company
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Accident & Sickness Medical Expenses
$50,000

Deductible: $100

$100,000

Deductible: $100

$250,000

Deductible: $100

$500,000

Deductible: $100

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
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
Pre-existing Cover
Reimbursment up to $1,500 per policy Reimbursment up to $1,500 per policy Reimbursment up to $1,500 per policy Reimbursment up to $1500 per policy
Accident Death & Dismemberment (AD & D) OR Personal Accident
$10,000 $10,000 $15,000 $25,000
AD & D Common Carrier
NA $5,000 $5,000 $5,000
Sickness Dental Relief
$300

Deductible: $150

$400

Deductible: $150

$500

Deductible: $150

$1000

Deductible: $150

Personal Liability
$100,000

Deductible: $200

$150,000

Deductible: $200

$200,000

Deductible: $200

$500,000

Deductible: $200

Loss of Checked Baggage
$500 $750 $1,000 $1000
Checked-in Baggage Delay
$50

Deductible: 12 hours

$100

Deductible: 12 hours

$200

Deductible: 12 hours

$500

Deductible: 12 hours

Loss of Passport
$250

Deductible: $30

$250

Deductible: $30

$250

Deductible: $30

$250

Deductible: $30

Hijack Distress Allowance
NA $100 per day; maximum $500  (Included under Accident & Sickness Medical Expenses)

Deductible: 1 day

$100 per day; maximum $500 (Included under Accident & Sickness Medical Expenses)

Deductible: 1 day

$100 per day; maximum $500 (Included under Accident & Sickness Medical Expenses)

Deductible: 1 day

Daily allowance in case of hospitalization
NA NA NA NA
Trip Delay
NA NA NA NA
Trip Cancellation & Interruption
$500

Deductible: $50

$500

Deductible: $50

$750

Deductible: $75

$1000

Deductible: $100

Trip Curtailment
$500

Deductible: $50

$500

Deductible: $50

$750

Deductible: $75

$100
0

Deductible: $100

Emergency Cash Advance
$500 $750 $1,000 $1,500
Home Burglary Insurance (Rs)
1 Lakh 1 Lakh 2 Lakhs 2 Lakhs
Compassionate Visit
NA NA NA NA
Bounced Hotel / Airline booking
$500

Deductible: $50

$500

Deductible: $50

$750

Deductible: $75

$1,000

Deductible: $100

Fraudulent Charges
(Payment Card Security)
$500 $500 $1,000 $2,000
Emergency Hotel Extension
NA NA NA NA
Return of minor child(ren)
NA NA NA NA
Political risk & catastrophe evacuation
NA NA NA NA
Value Added Services
NA NA NA NA
Important Points
To find out the important points of TATA AIG click here » To find out the important points of TATA AIG click here » To find out the important points of TATA AIG click here » To find out the important points of TATA AIG click here »
Limitations
To find out the limitations of TATA AIG click here » To find out the limitations of TATA AIG click here » To find out the limitations of TATA AIG click here » To find out the limitations of TATA AIG click here »
Sublimits
To find out the sublimits of TATA AIG click here » To find out the sublimits of TATA AIG click here » To find out the sublimits of TATA AIG click here » To find out the sublimits of TATA AIG click here »
Senior Plan by TATA AIG
Sublimits?
Company
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Policy Maximum
$50,000

Deductible: $100

Accident & Sickness Medical Expenses
$50,000

Deductible: $100

Medical Evacuation
Included under Accident & Sickness Medical Expenses
Repatriation of Remains
Included under Accident & Sickness Medical Expenses
Pre-existing Cover
Reimbursment up to $1,500 per policy
Accident Death & Dismemberment (AD & D) OR Personal Accident
$10,000
Sickness Dental Relief
$300

Deductible: $150

Personal Liability
$100,000

Deductible: $200

Loss of Checked Baggage
$500
Checked in Baggage Delay
$50

Deductible: 12 hours

Loss of Passport
$250

Deductible: $30

Emergency Cash Advance
$500
Important Points
To find out the important points of TATA AIG click here »
Limitations
To find out the limitations of TATA AIG click here »
Sublimits
To find out the sublimits of TATA AIG click here »
Senior Plan by TATA AIG
Sublimits?
Company
Img logo
Policy Maximum
$50,000

Deductible: $100

Accident & Sickness Medical Expenses
$50,000

Deductible: $100

Medical Evacuation
Included under Accident & Sickness Medical Expenses
Repatriation of Remains
Included under Accident & Sickness Medical Expenses
Pre-existing Cover
Reimbursment up to $1,500 per policy
Accident Death & Dismemberment (AD & D) OR Personal Accident
$10,000
Sickness Dental Relief
$300

Deductible: $150

Personal Liability
$100,000

Deductible: $200

Loss of Checked Baggage
$500
Checked in Baggage Delay
$50

Deductible: 12 hours

Loss of Passport
$250

Deductible: $30

Emergency Cash Advance
$500
Important Points
To find out the important points of TATA AIG click here »
Limitations
To find out the limitations of TATA AIG click here »
Sublimits
To find out the sublimits of TATA AIG click here »

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 Cholamandalam

  • Cholamandalam MS General Insurance Company Limited is a Joint Venture between the Murugappa Group, Chennai and Mitsui Sumitomo Insurance Company Limited, Japan and the company is headquartered in Chennai.
  • The company offers customised plans for Individuals between 6 months and 70 years, Senior Citizens between the ages of 71 and 80 years and a specific plan for Students between the age of 16 and 35 years going abroad to study.
  • They also offer a specific travel to Asian destinations which covers Australia & New Zealand but excludes Japan from coverage.
  • The Travel insurance plans providecoverage for a duration of 180 days with an option for extension upto 360 days upto the age of 60 years. Duration above 70 years is for a maximum of 180 days.
  • Adventure sports covered (e.g. hot air ballooning/ bungee jumping / parasailing / paragliding.) subject to underwriting approval.
  • Cashless Outpatient bills(OPD) settlement of more than $400can be facilitated by the insurance company through their Assistance Partner abroad subject to prior information.
  • Cholamandalam Travel plans offer coverage is available for Pre existing conditions in Life threatening situations apart from One way Immigration travel covered upto 30 days.
  • The Annual Multi Trip plan has options to choose from 30 / 45 / 60 / 90 days for each trip, which is best in class in the market. The policy will however be for 1 year.
  • Premium rates are calculated on a per day daily basis – hence the insured ends up paying for the exact number of days of travel.
  • Door to Door cover”.i.e. Personal Accident coverage for the insured is in force from residence to international airport while going abroad & international airport to residence while returning home.
  • Global Protection with 24 /7 Assistance through their TPA partner Europ Assist.
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  • Address
  • InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
Payment cards
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022