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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
Difference between TATA AIG and Reliance Claims settlement ratio (TATA AIG) Claims settlement ratio (Reliance General)
TATA AIG travel insurance claim settlement ratio ** 58.9% -
Reliance travel insurance claim settlement ratio ** - 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 overseas vs Reliance travel medical insurance cost per month?

The Tata AIG overseas vs Reliance 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.


Coverage for Worldwide Including USA & Canada

Plan name (US dollar coverage) Insurer 0-40 years 41-55 years 56-60 years 61-70 years 56-60 years 61-70 years
With Sublimits Without Sublimits
Silver Plan($50,000) Tata AIG ₹2,474 ₹3,216 ₹3,216 ₹6,175 ₹6,375 ₹11,902
Travel Standard Plan($50,000) Reliance General ₹1,407 ₹2,041 ₹2,041 ₹3,664 - -
Silver Plus Plan A($100,0000) Tata AIG ₹2,499 ₹3,149 ₹3,149 ₹6,705 ₹6,920 ₹14,143
Silver Plus Plan B($100,0000) Tata AIG ₹2,714 ₹3,337 ₹3,337 ₹6,906 ₹7,135 ₹14,358
Silver Plus Plan($100,0000) Tata AIG ₹2,956 ₹3,553 ₹3,553 ₹7,156 ₹7,383 ₹14,625
Travel Silver($100,0000) Reliance General ₹1,992 ₹2,443 ₹2,443 ₹4,409 - -
Gold Plan A($250,0000) Tata AIG ₹2,672 ₹3,911 ₹3,911 ₹8,055 ₹8,957 ₹17,242
Gold Plan B($250,0000) Tata AIG ₹3,098 ₹4,337 ₹4,337 ₹8,486 ₹9,388 ₹17,641
Gold Plan($250,0000) Tata AIG ₹3,347 ₹4,593 ₹4,593 ₹8,768 ₹9,647 ₹17,900
Travel Gold($250,0000) Reliance General ₹2,312 ₹2,927 ₹2,927 ₹5,026 - -
Platinum Plan A($500,0000) Tata AIG ₹2,623 ₹4,099 ₹4,099 ₹8,336 ₹9,271 ₹19,302
Platinum Plan B($500,0000) Tata AIG ₹3,080 ₹4,586 ₹4,586 ₹8,823 ₹9,758 ₹19,789
Platinum Plan($500,0000) Tata AIG ₹3,549 ₹5,102 ₹5,102 ₹9,403 ₹10,275 ₹20,368
Travel Platinum($500,0000) Reliance General ₹2,722 ₹3,517 ₹3,517 ₹7,976 - -
Titanium Plan($750,000) Tata AIG ₹4,775 ₹6,406 ₹6,406 - - -
Titanium Plus Plan($1,000,000) Tata AIG ₹5,699 ₹7,543 ₹7,543 - - -

The Tata AIG overseas vs Reliance 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 overseas travel medical insurance variants.


Coverage for Worldwide Excluding USA & Canada

Plan name (US dollar coverage) Insurer 0-40 years 41-55 years 56-60 years 61-70 years 56-60 years 61-70 years
With Sublimits Without Sublimits
Silver Plan ($50,000) Tata AIG ₹1,183 ₹1,466 ₹1,466 ₹2,874 ₹1,887 ₹3,740
Travel Standard Plan ($50,000) Reliance General ₹1,212 ₹1,385 ₹1,385 ₹2,429 - -
Silver Plus Plan ($100,0000) Tata AIG ₹1,391 ₹1,811 ₹1,811 ₹3,674 ₹2,440 ₹4,999
Travel Silver ($100,0000) Reliance General ₹1,342 ₹1,484 ₹1,484 - ₹2,972 -
Gold Plan ($250,0000) Tata AIG ₹1,577 ₹2,142 ₹2,142 ₹4,174 ₹3,168 ₹5,915
Travel Gold ($250,0000) Reliance General ₹1,543 ₹1,708 ₹1,708 ₹3,185 - -
Platinum Plan ($500,0000) Tata AIG ₹1,897 ₹2,515 ₹2,515 ₹10,275 ₹3,354 ₹7,004
Travel Platinum ($500,0000) Reliance General ₹1,897 ₹2,602 ₹2,602 - ₹5,597 -
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 Including USA & Canada

The Tata AIG overseas vs Reliance travel medical insurance cost for 30 days starts at just ₹9,097 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 Insurer 71 - 75 years 76 - 80 years 71 - 75 years 76 - 80 years 81 - 85 years 86 - 90 years 81 - 85 years 86 - 90 years > 90 years > 90 years
With Sublimits Without Sublimits With Sublimits Without Sublimits With Sublimits Without Sublimits
Senior Plan ($50,000) Tata AIG ₹9,097 ₹12,998 ₹21,769 ₹31,450 - - - - - -
Senior Plus Plan ($100,000) Tata AIG ₹12,571 ₹17,922 ₹24,351 ₹35,141 - - - - - -
Super Senior Plan ($50,000) Tata AIG - - - - ₹25,504 ₹40,975 ₹54,801 ₹88,685 ₹51,634 ₹1,03,396
Senior Citizen Plan ($50,000) Reliance ₹6,895 ₹6,895 ₹12,356 ₹15,788 ₹10,380 ₹17,887 - - - -

Seniors travel insurance coverage for Worldwide Excluding USA & Canada

The Tata AIG overseas vs Reliance travel medical insurance cost for 30 days starts at just ₹5,845 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 overseas travel medical insurance variants.


Plan name Insurer 71 - 75 years 76 - 80 years 71 - 75 years 76 - 80 years 81 - 85 years 86 - 90 years 81 - 85 years 86 - 90 years > 90 years > 90 years
With Sublimits Without Sublimits With Sublimits Without Sublimits With Sublimits Without Sublimits
Senior Plan ($50,000) Tata AIG ₹5,845 ₹7,202 ₹7,725 ₹11,174 ₹13,936 ₹23,842 ₹23,486 ₹40,555 - ₹55490
Senior Plus Plan ($100,000) Tata AIG ₹6,604 ₹9,352 ₹10,683 ₹15,415 - - - - - -
Super Senior Plan ($50,000) Tata AIG - - - - ₹25,504 ₹40,975 ₹54,801 ₹88,685 ₹51,634 ₹103,396
Senior Citizen Plan ($50,000) Reliance ₹4,993 ₹4,993 ₹5,991 ₹7,989 ₹7,649 ₹14,800 - - - -

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