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TATA AIG vs Reliance Travel insurance

Tata AIG travel insurance vs Reliance travel insurance cost

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How does TATA AIG travel insurance compare to Reliance travel insurance?

tata aig medicare
Silver
$50,000

tata aig medicare
Silver Plus
$100,000

tata aig medicare
Gold
$250,000
tata aig medicare
Platinum
$500,000
Reliance logo
Standard
$50,000
Reliance logo
Silver
$100,000
Reliance logo
Gold
$250,000
Reliance logo
Platinum
$500,000
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Policy Maximum
$50,000Deductible: $100 $100,000Deductible: $100 $250,000Deductible: $100 $500,000Deductible: $100 $50,000Deductible: $50 $100,000Deductible: $50 $250,000Deductible: $50 $500,000Deductible: $50
Accident & Sickness Medical Expenses: ?
$50,000Deductible: $100 $100,000Deductible: $100 $250,000Deductible: $100 $500,000Deductible: $100 $50,000Deductible: $50 $100,000Deductible: $50 $250,000Deductible: $50 $500,000Deductible: $50
Medical Evacuation:  ? (Included under Accident & Sickness Medical Expenses)
Up to $50,000 (Deductible: $100) Up to $100,000 (Deductible: $100) Up to $250,000 (Deductible: $100) Up to $500,000 (Deductible: $100) $50,000Deductible: $50 $100,000Deductible: $50 $250,000Deductible: $50 $500,000Deductible: $50
Repatriation of Remains: ? (Included under Accident & Sickness Medical Expenses)
Back to home contry - 25% of sum insured; nearest burial ground in overseas - $2,500 Back to home contry - 25% of sum insured; nearest burial ground in overseas - $2,500 Back to home contry - 25% of sum insured; nearest burial ground in overseas - $2,500 Back to home contry - 25% of sum insured; nearest burial ground in overseas - $2,500 $50,000Deductible: $50 $100,000Deductible: $50 $250,000Deductible: $50 $500,000Deductible: $50
Pre-existing Cover
Maximum liability up to $2,500/- (included under benefit medical expenses- injury and / or illness) Maximum liability up to $5,000/- (included under benefit medical expenses- injury and / or illness) Maximum liability up to $10,000/- (included under benefit medical expenses- injury and / or illness) Maximum liability up to $12,500/- (included under benefit medical expenses- injury and / or illness) 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.
Accidental Death & Dismemberment: ?
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 $15,000 $20,000 $25,000 $30,000
AD & D Common Carrier
Not Available Not Available Not Available Not Available $2,500 $2,500 $5,000 $5,000
Dental Treatment: ?
$300Deductible: $50 $400Deductible: $50 $500Deductible: $50 $1000Deductible: $50 $500Deductible: $50 $500Deductible: $50 $500Deductible: $50 $500Deductible: $50
Personal Liability: ?
$100,000Deductible: $200 $100,000Deductible: $200 $200,000Deductible: $200 $500,000Deductible: $250 $50,000 $100,000 $200,000 $250,000
Loss of Checked Baggage: ?
$200 $200 $300 $300 $500 $1,000 $1,200 $1,500
Baggage Delay: ?
$40Deductible: 4 hours $40Deductible: 4 hours $45Deductible: 4 hours $50Deductible: 4 hours $100Deductible: 12 hours $100Deductible: 12 hours $100Deductible: 12 hours $100Deductible: 12 hours
Loss of Passport: ?
$250Deductible: $25 $250Deductible: $25 $250Deductible: $25 $250Deductible: $25 $300Deductible: $25 $300Deductible: $25 $300Deductible: $25 $300Deductible: $25
Hijack Distress Allowance
Not Available $75 Per 12 hours, max 10 days $100 Per 12 hours, max 10 days $150 Per 12 hours, max 10 days Not Available $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
Daily allowance in case of hospitalization
Not Available Not Available Not Available Not Available Not Available $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
Trip Delay
Not Available Not Available Not Available Not Available Not Available $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
Trip Cancellation & Interruption
$500Deductible: $50 $500Deductible: $50 $750Deductible: $75 $1000Deductible: $100 Not Available $600 $600 $600
Missed Connection: ?
$250 $250 $500 $750 Not Available $200 $300 $500
Loss of Cash: ?
Not available Not available Not available $125 Not Available Not Available Not Available Not Available
Home Burglary Insurance: ?
Rs.50,000(Deductible: Rs.5000) Rs.1 lakh(Deductible: Rs.5,000) Rs.1.5 lakh(Deductible: Rs.5,000) Rs.2.5 lakh(Deductible: Rs.5,000) Not Available 1 Lakh 2 Lakhs 3 Lakhs
Compassionate Visit
Not Available Not Available Not Available Return fare for any one accompanying person- Spouse / Child / family doctor - $3,500 Return Fare for any one accompanying person- spouse / child / family doctor Return Fare for any one accompanying person- spouse / child / family doctor Return Fare for any one accompanying person- spouse / child / family doctor Return Fare for any one accompanying person- spouse / child / family doctor
Important Points
  • TATA AIG’s Sum Insured for Accident &Sickness is per claim. Therefore it is possible that the customer can have multiple claims, each for the policy maximum during the same trip.
  • Sum total of coverage duration cannot exceed 180 days for 70+ travelers, and 360 days for (less than 70 travelers), including policy extensions.
  • Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.
  • Travelers from 6 months to 90 years can buy the insurance for 182 days.
  • Sum total of coverage duration cannot exceed 360 days for travelers, including policy extensions.
  • Senior citizens aged between 71-90 years can purchase the Reliance Senior Citizen insurance without giving any medical reports.
  • Pre existing diseases are covered in case of Life Threatening only for travelers up to 70 years.
Sublimits
TATA AIG Travel Insurance 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.
  • 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
Reliance General Travel Insurance Medical Expenses Sublimits are applicable for travelers aged 61-70 years based on the plan chosen.

Plan Name Per Illness Limit Per Accident Limit
$50,000 $12,000 $20,000
$100,000 $13,500 $25,000
$250,000 $15,000 $30,000
$500,000 $17,500 $35,000
Claims Settlement Ratio ** TATA AIG travel insurance claim settlement ratio Reliance travel insurance claim settlement ratio
- 58.9% 20.5%
Number of Lives Covered * 7,40,370 2,52,075
Number of policies issued * 6,05,894 2,32,976
  • * As per latest IRDAI data
  • ** As per NL25 data published on the Insurance Company website
  • Disclaimer : Kindly refer the Terms and Conditions of all plans before purchasing your policy

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

The TATA AIG vs Reliance Overseas travel medical insurance cost per month (30 days) starts at just ₹1,407 for coverage Worldwide Including USA & Canada. TATA AIG vs 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 TATA AIG vs Reliance Overseas travel medical plan variants.


Coverage for Worldwide Including USA & Canada

Plan Name (Sum Insured) Insurer 0-40 years 41-45 years 45-50 years 51-55 years 56-60 years 61-70 years
Travel Standard ($50,000) With Sublimits Reliance General ₹1,407 ₹2,041 ₹3,664
Silver ($50,000) With Sublimits Tata AIG ₹2,474 ₹3,216 ₹3,216 ₹6,175
Silver ($50,000) Without Sublimits Tata AIG - ₹6,375 ₹11,902
Travel Silver ($100,000) With Sublimits Reliance General ₹1,992 ₹2,443 ₹4,409
Silver Plus Plan A ($100,000) With Sublimits Tata AIG ₹2,499 ₹3,149 ₹3,149 ₹6,705
Silver Plus Plan A ($100,000) Without Sublimits Tata AIG - ₹6,920 ₹14,143
Silver Plus Plan B ($100,000) With Sublimits Tata AIG ₹2,714 ₹3,337 ₹3,337 ₹6,906
Silver Plus Plan B ($100,000) Without Sublimits Tata AIG - ₹7,135 ₹14,358
Silver Plus ($100,000) With Sublimits Tata AIG ₹2,956 ₹3,553 ₹3,553 ₹7,156
Silver Plus ($100,000) Without Sublimits Tata AIG - ₹7,383 ₹14,625
Travel Gold Plan ($250,000) With Sublimits Reliance General ₹2,312 ₹2,927 ₹5,026
Gold Plan A ($250,000) With Sublimits Tata AIG ₹2,672 ₹3,911 ₹3,911 ₹8,055
Gold Plan A ($250,000) Without Sublimits Tata AIG - ₹8,957 ₹17,242
Gold Plan B ($250,000) With Sublimits Tata AIG ₹3,098 ₹4,337 ₹4,337 ₹8,486
Gold Plan B ($250,000) Without Sublimits Tata AIG - ₹9,388 ₹17,641
Gold Plan ($250,000) With Sublimits Tata AIG ₹3,347 ₹4,593 ₹4,593 ₹8,768
Gold Plan ($250,000) Without Sublimits Tata AIG - ₹9,647 ₹17,900
Travel Platinum Plan ($500,000) With Sublimits Reliance General ₹2,722 ₹3,517 ₹7,976
Platinum Plan A ($500,000) With Sublimits Tata AIG ₹2,623 ₹4,099 ₹4,099 ₹8,336
Platinum Plan A ($500,000) Without Sublimits Tata AIG - ₹9,271 ₹19,302
Platinum Plan B ($500,000) With Sublimits Tata AIG ₹3,080 ₹4,586 ₹4,586 ₹8,823
Platinum Plan B ($500,000) Without Sublimits Tata AIG - ₹9,758 ₹19,789
Platinum Plan ($500,000) With Sublimits Tata AIG ₹3,549 ₹5,102 ₹5,102 ₹9,403
Platinum Plan ($500,000) Without Sublimits Tata AIG - ₹10,275 ₹20,368
Titanium Plan ($750,000) Tata AIG ₹4,775 ₹6,406 ₹6,406

Seniors travel insurance coverage for Worldwide Including USA & Canada

Plan Name (Sum Insred) Insurer 71-75 years 76-80 years 81-85 years 86-90 years >90 years
Senior Plan ($50,000) With Sublimits Reliance General ₹6,865 ₹10,380 ₹17,887 -
Senior Plan ($50,000) With Sublimits Tata AIG ₹9,097 ₹12,998 -
Senior Plan ($50,000) Without Sublimits Tata AIG ₹21,769 ₹31,450 -
Super Senior Plan ($50,000) With Sublimits Tata AIG - ₹25,504 ₹40,975 ₹51,634
Super Senior Plan ($50,000) Without Sublimits Tata AIG - ₹54,801 ₹88,685 ₹1,03,396

Which Is Cheaper for 30-Day Travel Insurance: TATA AIG vs Reliance?

The TATA AIG vs Reliance Overseas travel medical insurance cost per month (30 days) starts at just ₹1,212 for coverage Worldwide Excluding USA /Canada. TATA AIG vs 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 TATA AIG vs Reliance Overseas travel medical plan variants.


Coverage for Worldwide Excluding USA & Canada

Plan Name (Sum Insured) Insurer 0-40 years 41-45 years 45-50 years 51-55 years 56-60 years 61-70 years
Travel Standard ($50,000) With Sublimits Reliance General ₹1,212 ₹1,385 ₹2,429
Silver ($50,000) With Sublimits Tata AIG ₹1,183 ₹1,466 ₹1,466 ₹2,874
Silver ($50,000) Without Sublimits Tata AIG - ₹1,887 ₹3,740
Travel Silver ($100,000) With Sublimits Reliance General ₹1,342 ₹1,484 ₹2,972
Silver Plus ($100,000) With Sublimits Tata AIG ₹1,391 ₹1,811 ₹1,81 ₹3,674
Silver Plus ($100,000) Without Sublimits Tata AIG - ₹2,440 ₹4,999
Travel Gold Plan ($250,000) With Sublimits Reliance General ₹1,543 ₹1,708 ₹3,185
Gold Plan ($250,000) With Sublimits Tata AIG ₹1,577 ₹2,142 ₹2,142 ₹4,174
Gold Plan ($250,000) Without Sublimits Tata AIG - ₹3,168 ₹5,915
Travel Platinum Plan ($500,000) With Sublimits Reliance General ₹1,897 ₹2,602 ₹5,597
Platinum Plan ($500,000) With Sublimits Tata AIG ₹1,897 ₹2,515 ₹2,515 ₹3,354
Platinum Plan ($500,000) Without Sublimits Tata AIG - ₹10,275 ₹7,004
Titanium Plan ($750,000) Tata AIG ₹2,431 ₹2,991 ₹2,991
Titanium Plus Plan ($1,000,000) Tata AIG ₹2,978 ₹3,625 ₹3,625

Seniors travel insurance coverage for Worldwide Excluding USA & Canada

Plan Name (Sum Insred) Insurer 71-75 years 76-80 years 81-85 years 86-90 years >90 years
Senior Plan ($50,000) With Sublimits Reliance General ₹4,993 ₹7,649 ₹14,800 -
Senior Plan ($50,000) With Sublimits Tata AIG ₹5,845 ₹7,202 -
Senior Plan ($50,000) Without Sublimits Tata AIG ₹7,725 ₹11,174 -
Super Senior Plan ($50,000) With Sublimits Tata AIG - ₹13,936 ₹23,842 ₹51,634
Super Senior Plan ($50,000) Without Sublimits Tata AIG - ₹23,486 ₹40,555 ₹1,03,396

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