TATA AIG vs Care(Formerly Religare) Travel insurance

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Compare quotes of Tata AIG overseas travel insurance

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Accident & Sickness Medical Expenses
$50,000

Deductible: $100

$100,000

Deductible: $100

$250,000

Deductible: $100

$500,000

Deductible: $100

Inpatient Patient Medical Expenses:
Up to $50,000
Out Patient Medical Expenses: Up to $50,000

Deductible: $100

Inpatient Patient Medical Expenses:
Up to $50,000
Out Patient Medical Expenses: Up to $50,000

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 $50,000 $50,000
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 $50,000 $50,000
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 10% of Sum Insured 10% of Sum Insured
Additional Sum Insured for Accidental Hospitalization
NA NA NA NA Up to $100% of Sum Insured

Deductible: $100 / € 75

Up to $100% of Sum Insured

Deductible: $100 / € 75

Return of Minor Child
NA NA NA NA NA $2,000
Up-gradation to Business Class
NA NA NA NA $1,000 $1,000
Accident Death & Dismemberment (AD & D) OR Personal Accident
$10,000 $10,000 $15,000 $25,000 $15,000 $15,000
AD & D Common Carrier
NA $5,000 $5,000 $5,000 NA $5,000
Sickness Dental Relief
$300

Deductible: $150

$400

Deductible: $150

$500

Deductible: $150

$1,000

Deductible: $150

$300

Deductible: $100 / € 75

$300

Deductible: $100 / € 75

Personal Liability
$100,000

Deductible: $200

$150,000

Deductible: $200

$200,000

Deductible: $200

$500,000

Deductible: $200

$100,000

Deductible: $100 / € 75

$100,000

Deductible: $100 / € 75

Loss of Checked Baggage
$500 $750 $1,000 $1,000 $100 $100
Checked-in 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

Loss of Passport
$250

Deductible: $30

$250

Deductible: $30

$250

Deductible: $30

$250

Deductible: $30

$300 $300
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

NA NA
Daily allowance in case of hospitalization
NA NA NA NA $25 per day, max 5 days

Deductible: 2 days

$25 per day, max 5 days

Deductible: 2 days

Flight Delay
(Included under Accident & Sickness Medical Expenses)
NA $10 per 12 hrs & maximum $100

Deductible: 12 hrs

$10 per 12 hrs & maximum $100

Deductible: 12 hrs

$10 per 12 hrs & maximum $100

Deductible: 12 hrs

NA NA
Trip Delay
NA NA NA NA $500

Deductible: 12 hrs

$500

Deductible: 12 hrs

Trip Cancellation & Interruption
$500

Deductible: $50

$500

Deductible: $50

$750

Deductible: $75

$1,000

Deductible: $100

$1,000 $1,000
Missed Connection
$500

Deductible: $50

$500

Deductible: $50

$750

Deductible: $75

$1,000

Deductible: $100

NA NA
Emergency Cash Advance
$500 $1000 $1,000 $1,500 NA NA
Home Burglary Insurance (Rs)
1 Lakh 1 Lakh 2 Lakhs 2 Lakhs NA NA
Compassionate Visit
NA NA NA NA NA $5,000
Important Points
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Limitations
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Sublimits
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Silver by TATA AIG

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Gold by TATA AIG

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Accident & Sickness Medical Expenses
$50,000

Deductible: $100

$100,000

Deductible: $100

$250,000

Deductible: $100

$500,000

Deductible: $100

Inpatient Patient Medical Expenses:
Up to $50,000
Out Patient Medical Expenses: Up to $50,000

Deductible: $100 / € 75

Inpatient Patient Medical Expenses:
Up to $50,000
Out Patient Medical Expenses: Up to $50,000

Deductible: $100 / € 75

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 $50,000 $50,000
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 10% of Sum Insured

Deductible: $100 / € 75

10% of Sum Insured

Deductible: $100 / € 75

Accident Death & Dismemberment (AD & D) OR Personal Accident
$10,000 $10,000 $15,000 $25,000 $15,000 $15,000
AD & D Common Carrier
NA $5,000 $5,000 $5,000 NA $5,000
Sickness Dental Relief
$300

Deductible: $150

$400

Deductible: $150

$500

Deductible: $150

$1000

Deductible: $150

$300

Deductible: $100 / € 75

$300

Deductible: $100 / € 75

Personal Liability
$100,000

Deductible: $200

$150,000

Deductible: $200

$200,000

Deductible: $200

$500,000

Deductible: $200

$100,000

Deductible: $100 / € 75

$100,000

Deductible: $100 / € 75

Loss of Checked Baggage
$500 $750 $1,000 $1000 $100 $100
Checked-in 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

Loss of Passport
$250

Deductible: $30

$250

Deductible: $30

$250

Deductible: $30

$250

Deductible: $30

$300 $300
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

NA NA
Daily allowance in case of hospitalization
NA NA NA NA $25 per day, max 5 days

Deductible: 2 days

$25 per day, max 5 days

Deductible: 2 days

Trip Delay
NA NA NA NA $500

Deductible: 12 hrs

$500

Deductible: 12 hrs

Trip Cancellation & Interruption
$500

Deductible: $50

$500

Deductible: $50

$750

Deductible: $75

$1000

Deductible: $100

$1,000 $1,000
Missed Connection
$500

Deductible: $50

$500

Deductible: $50

$750

Deductible: $75

$1000

Deductible: $100

NA NA
Emergency Cash Advance
$500 $750 $1,000 $1,500 NA NA
Home Burglary Insurance (Rs)
1 Lakh 1 Lakh 2 Lakhs 2 Lakhs NA NA
Compassionate Visit
NA NA NA NA NA $5,000
Important Points
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Limitations
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Sublimits
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Senior Plan by TATA AIG
Sublimits?

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Accident & Sickness Medical Expenses
$50,000

Deductible: $100

Inpatient Patient Medical Expenses:
Up to $50,000
Out Patient Medical Expenses: Up to $50,000

Deductible: $100

Inpatient Patient Medical Expenses:
Up to $50,000
Out Patient Medical Expenses: Up to $50,000

Deductible: $100

Medical Evacuation
Included under Accident & Sickness Medical Expenses $10,000 $10,000
Repatriation of Remains
Included under Accident & Sickness Medical Expenses $10,000 $10,000
Pre-existing Cover
Reimbursment up to $1,500 per policy 10% of Sum Insured

Deductible: $100 / € 75

10% of Sum Insured

Deductible: $100 / € 75

Accident Death & Dismemberment (AD & D) OR Personal Accident
$10,000 $15,000 $15,000
Sickness Dental Relief
$300

Deductible: $100 / € 75

$300

Deductible: $100 / € 75

$300

Deductible: $150

Personal Liability
$100,000

Deductible: $200

$100,000

Deductible: $100 / € 75

$100,000

Deductible: $100 / € 75

Loss of Checked Baggage
$500 $100 $100
Checked in Baggage Delay
$50

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

Loss of Passport
$250

Deductible: $30

$300 $300
Trip Delay
NA $500

Deductible: 12 hrs

$500

Deductible: 12 hrs

Trip Cancellation & Interruption
NA $1,000 $1,000
Important Points
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Limitations
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Sublimits
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Senior Plan by TATA AIG
($50,000)
Sublimits?

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($50,000)


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($50,000)


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Company
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Accident & Sickness Medical Expenses
$50,000

Deductible: $100

Inpatient Patient Medical Expenses: Up to $50,000
Out Patient Medical Expenses: Up to $50,000

Deductible: $100 / € 75

Inpatient Patient Medical Expenses: Up to $50,000
Out Patient Medical Expenses: Up to $50,000

Deductible: $100 / € 75

Medical Evacuation
Included under Accident & Sickness Medical Expenses $10,000 $10,000
Repatriation of Remains
Included under Accident & Sickness Medical Expenses $10,000 $10,000
Pre-existing Cover
Reimbursment up to $1,500 per policy 10% of Sum Insured

Deductible: $100 / € 75

10% of Sum Insured

Deductible: $100 / € 75

Accident Death & Dismemberment (AD & D) OR Personal Accident
$10,000 $15,000 $15,000
Sickness Dental Relief
$300

Deductible: $100 / € 75

$300

Deductible: $100 / € 75

$300

Deductible: $150

Personal Liability
$100,000

Deductible: $200

$100,000

Deductible: $100 / € 75

$100,000

Deductible: $100 / € 75

Loss of Checked Baggage
$500 $100 $100
Checked in Baggage Delay
$50

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

Loss of Passport
$250

Deductible: $30

$300 $300
Trip Delay
NA $500

Deductible: 12 hrs

$500

Deductible: 12 hrs

Trip Cancellation & Interruption
NA $1,000 $1,000
Important Points
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To find out the important points of Care(Formerly Religare)

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Limitations
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Sublimits
To find out the sublimits of TATA AIG

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To find out the sublimits of Care(Formerly Religare)

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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

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Limitations
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Sublimits
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TATA AIG Travel Insurance review

TATA AIG Travel Insurance
Sum Insured
USD 50,000 to 5,00,000
Number of policies issued *
509,990
Claims settlement ratio **
66.59%
Number of lives covered *
827,689
Incurred claims ratio
62%
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

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 Care(Formerly Religare)

  • Care(Formerly Religare) Health Insurance is a stand alone Health Insurance company which is relatively new to Travel Insurance, but is one of the fastest growing. They are promoted by Care(Formerly Religare) Enterprises, a financial powerhouse, Union Bank and Corporation Bank.
  • Importantly, the insured age band starts from Day 1 (baby), which is the lowest in the industry. There is no upper age limitation under the Care(Formerly Religare) travel plans. All plans offer Comprehensive coverage upto the age of 60 years and then Sickness Medical Expenses are with Sublimits.
  • They offer Region Specific plans to suit the traveller’s needs, specifically plans for Europe, Asia and African continent apart from Worldwide coverage plans.
  • Buy the policy for 180 days and you can renew the policy for another 180 days
  • Double Sum Insured in case of accident - Customer buying USD $50,000 cover will have coverage of USD $50,000 for any Sickness related treatment and upto USD $100,000 in case claim arising due to accident.
  • Pre-existing covered upto 10% of Principal Sum Insured for Accident & Sickness Coverage, which is again the best in the industry.
  • Per day rates – Premium calculated for actual days of travel i.e. Slab rates not applicable – this ensures the traveller only pays premium for actual number of days they have travelled abroad.
  • E- Travel Insurance Card comes with every policy issued instantly. This helps the customer in case of any accident/ immediate reference in case of emergency.
  • All Care(Formerly Religare) Travel Insurance Policies don't have per aliment limit capping.
  • Customer can Upgrade their return tickers to Business class travel in case of they are returning within 20 days of discharge from the hospital
  • Treatment in home country covered upto 30 days if the customer returns to India as per Doctor’s advice/recommendation post hospitalization abroad. This expense will be covered under the Accident & Sickness limit.
  • Global Assistance is provided through Falck Assistance, one of the Global leaders in Travel & Claims Assistance. They offer Toll Free numbers for the insured traveller to contact them.

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Travel insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy Tata AIG travel medical insurance after approval.

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Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.


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Insurance claims

In case of a claim or reimbursement of treatment expenses, notify by contacting them.


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Tips on air travel

Travel tips for Indian parents.



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How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

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How does travel insurance work

How to use Indian visitor insurance in case of sudden sickness and accidents.

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Healthcare cost overseas

How to use Indian visitor insurance in case of sudden sickness and accidents.

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Tips to find best travel insurance

Tips to find good and adequate international travel health insurance.

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Keep in touch

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

  • +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
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