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TATA AIG vs Reliance Travel insurance

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Compare TATA AIG vs 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
*GST included
Brochure Brochure Brochure Brochure Brochure Brochure Brochure Brochure
Policy Maximum
$50,000
Deductible: $100
$100,000
Deductible: $100
$250,000
Deductible: $100
$500,000
Deductible: $100
$50,000
Deductible: $50
$100,000
Deductible: $50
$250,000
Deductible: $50
$500,000
Deductible: $50
Accident & Sickness Medical Expenses: ?
$50,000
Deductible: $100
$100,000
Deductible: $100
$250,000
Deductible: $100
$500,000
Deductible: $100
$50,000
Deductible: $50
$100,000
Deductible: $50
$250,000
Deductible: $50
$500,000
Deductible: $50
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 Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under 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 Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses
Pre-existing Cover
Reimbursment up to $1,500 per policy (covered under life threatening situations) Reimbursment up to $1,500 per policy (covered under life threatening situations) Reimbursment up to $1,500 per policy (covered under life threatening situations) Reimbursment up to $1,500 per policy (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. Other than critical illness, declared pre-existing ailments are covered under life threatening situations.
Accidental Death & Dismemberment: ?
$10,000 $10,000 $15,000 $25,000 $15,000 $20,000 $25,000 $30,000
AD & D Common Carrier
NA*** $5,000 $5,000 $5,000 $2,500 $2,500 $5,000 $5,000
Dental Treatment: ?
$300
Deductible: $150
$400
Deductible: $150
$500
Deductible: $150
$1000
Deductible: $150
$500
Deductible: $50
$500
Deductible: $50
$500
Deductible: $50
$500
Deductible: $50
Personal Liability: ?
$100,000
Deductible: $200
$150,000
Deductible: $200
$200,000
Deductible: $200
$500,000
Deductible: $200
$50,000 $100,000 $200,000 $250,000
Loss of Checked Baggage: ?
$500 $750 $1000 $1000 $500 $1,000 $1,200 $1,500
Baggage Delay: ?
$50
Deductible: 12 hours
$100
Deductible: 12 hours
$200
Deductible: 12 hours
$500
Deductible: 12 hours
$100
Deductible: 12 hours
$100
Deductible: 12 hours
$100
Deductible: 12 hours
$100
Deductible: 12 hours
Loss of PassPort: ?
$250
Deductible: $30
$250
Deductible: $30
$250
Deductible: $30
$250
Deductible: $30
$300
Deductible: $25
$300
Deductible: $25
$300
Deductible: $25
$300
Deductible: $25
Hijack Distress Allowance
NA*** $100 per day up to maximum of $500
Deductible: 1 day
$100 per day up to maximum of $500
Deductible: 1 day
$100 per day up to maximum of $500
Deductible: 1 day
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
Daily allowance in case of hospitalization
NA*** NA*** NA*** NA*** 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
Trip Delay
NA*** $10 per 12 hrs up to maximum of $100
Deductible: 12 hrs
$10 per 12 hrs up to maximum of $100
Deductible: 12 hrs
$10 per 12 hrs up to maximum of $100
Deductible: 12 hrs
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
Trip Cancellation & Interruption
$500
Deductible: $50
$500
Deductible: $50
$750
Deductible: $75
$1000
Deductible: $100
NA*** $600 $600 $600
Missed Connection: ?
$500
Deductible: $50
$500
Deductible: $50
$750
Deductible: $75
$1000
Deductible: $100
NA*** $200 $300 $500
Emergency Cash Advance: ?
$500 $1,000 $1,000 $1500 NA*** $300 $300 $300
Home Burglary Insurance: ?
1 Lakh 1 Lakh 2 Lakhs 2 Lakhs NA*** 1 Lakh 2 Lakhs 3 Lakhs
Compassionate Visit
NA*** NA*** NA*** NA*** 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 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.
  • 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
Limitations
TATA AIG
  • Accident & Sickness Medical Expense is limited to $10,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable.
  • Accidental Death and Dismemberment Benefit is limited to $5,000 for two wheeled motorized mode of conveyance irrespective of any Plan and age wherever applicable.
  • Accidental Death and Dismemberment Benefit is limited to 10% of Principal Sum Insured for Insured Person with age 17 years or below.
Sublimits
TATA AIG 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 Medical Expenses Sublimits are applicable for travelers aged 61-70 years based on the plan chosen.

*GST included
Coverage 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
Difference between TATA and Reliance TATA AIG Reliance
*GST included
Claims Settlement Ratio ** 66.59% 42.31%
Number of Lives Covered * 827,689 185,390
Number of policies issued * 509,990 185,390
  • * As per IRDAI report for 2018-19
  • ** As per NL25 data published on the Insurance Company website
  • *** NA - Not available

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 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.

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