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TATA AIG vs Cholamandalam Travel Insurance

Silver by TATA AIG BUY NOW Sublimits? YESNO	Silver Plus by TATA AIG BUY NOW Sublimits? YESNO	Gold by TATA AIG BUY NOW Sublimits? YESNO	Platinum by TATA AIG BUY NOW Sublimits? YESNO	Silver by Cholamandalam BUY NOW	Gold by Cholamandalam BUY NOW
Company

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 BUY NOW Sublimits? YESNO	Silver Plus by TATA AIG BUY NOW Sublimits? YESNO	Gold by TATA AIG BUY NOW Sublimits? YESNO	Platinum by TATA AIG BUY NOW Sublimits? YESNO
Company

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? YES NO BUY NOW
Company

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? YES NO BUY NOW
Company

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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ONLINE CHAT

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InstantCover Insurance Web Aggregator Private limited
710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
Bangalore - 560 034.

Phone number
+91-(80)-41744345

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022

Hospital Room and Board and Hospital miscellaneous	Max $1,500 per day upto 30 days whichever is less.
Intensive Care Unit	Max $3,000 per day upto 7 days whichever is less.
Surgical Treatment	Max $10,000
Anesthetist Services	Upto 25% of Surgical Treatment
Physician's Visit	Max $75 per Day upto 10 visits
Diagnostic and Pre-Admission Testing	Max $500
Ambulance Services	Max $400