Reliance Travel Insurance
Reliance travel insurance offers cashless hospitalization worldwide. The travel insurance is issued instantly with no medical checkup. However, Reliance does not cover claims arising out of non-disclosed and non-declared pre-existing medical conditions.
Benefits of Reliance Schengen Travel Insurance
| Benefits | Coverage Amount | |
| Basic | Standard | |
| Medical expenses | € 30,000 | € 50,000 |
| Dental treatment | € 500 | € 500 |
| Loss of passport | NIL | € 300 |
| Total Loss of checked-in baggage | NIL | € 500 |
| Delay of checked-in baggage | NIL | € 100 |
| Personal Accident | € 10,000 | € 15,000 |
| Accidental death (common carrier) | NIL | € 2500 |
| Personal Liability | NIL | € 50,000 |
| Compassionate Visit | NIL | Return Fare for one person from spouse, child, or family doctor |
Medical expenses include transportation, evacuation and repatriation of mortal remains.
In case of a total loss of checked-in baggage, the maximum amount payable per checked in baggage of the applicable sum insured
- More than 1 bag – 50%
- One checked in baggage – 100%
- Per item in baggage – max 10%
Please note that the cover for the compassionate visit is applicable only when the insured is hospitalized for more than 7 consecutive days.
The policy does not cover
- Claims arising out of non-disclosed and non-declared pre-existing medical conditions.
- Expenses incurred if travelling against the advice of a physician, receiving or are on a waiting list for specified medical treatment.
- In case loss of checked-in baggage, no partial loss or damage shall be payable
Best Reliance Travel Insurance Plans
- Reliance Standard Travel Insurance Policy
- Reliance Silver Travel Insurance Policy
- Reliance Gold Travel Insurance Policy
- Reliance Platinum Travel Insurance Policy
Reliance has specific travel insurance plans for students, senior citizens and frequent travellers.
What I Liked
- Instant travel policy with no medical checkup.
- Cashless hospitalization Worldwide
- The minimum age for insurance – 3 months and maximum age – 90 years
What I Didn’t Liked
- Does not cover for daily allowances in case of hospitalization
- Travel baggage loss not covered
Future Generali Travel Insurance
Future Generali offers global travel protection with customized plans and 24 x 7 toll – free worldwide emergency assistance.
The customized travel insurance plans include a specially designed plan for travel to Asian countries (excluding Korea and Japan) and European countries on Schengen Visa.
Future Generali is the only insurer who provides medical advice over the phone and dispatches essential medicine that is not available locally.
The medical tests are waived off if there is no adverse health declaration on the proposal form. Future Generali allows for an automatic extension of the travel insurance for 7 days.
Travel Insurance Coverage
| Benefits | Coverage Amount | ||
| Standard | Silver | Gold | |
| Medical expenses | € 30,000 | € 50,000 | € 100,000 |
| Dental treatment | € 200 | € 200 | € 200 |
| Hijack cover | No cover | € 50 per day. Max 7 days | € 100 per day. Max 7 days |
| Trip delays | No cover | € 50 | € 20 per 12 hrs. Max 120 hrs |
| Trip cancellation and interruption | No Cover | No Cover | € 300 |
| Trip Curtailment | No Cover | No Cover | € 200 |
| Missed connection | No Cover | No Cover | € 350 |
| Loss of passport | € 200 | € 200 | € 250 |
| Delay of checked-in baggage | No Cover | € 50 | € 100 |
| Loss of checked-in baggage | € 200 | € 350 | € 500 |
| Compassionate visit | No Cover | No Cover | € 500 |
| Financial Emergency Assistance | No Cover | No Cover | € 300 |
| Accidental Death & Permanent Total Disability | € 3500 | € 3500 | € 10,000 |
| Personal Liability | No cover | € 50,000 | € 100,000 |
| Automatic Extension for 7 days | No cover | No cover | Available |
Medical expenses include medical evacuation and repatriation of remains.
In case of the loss of checked-in baggage the per baggage cover is maximum 50% and for per item maximum 10%.
The policy does not cover
- Pre-existing diseases and complications
- Pregnancy, resulting childbirth, miscarriage, abortion or complication arising out of any of the foregoing disease
- Loss or damage to your passport as a result of the confiscation or detention by customs, police or any other authority
Best Future Generali Travel Insurance Plans
- Future Generali Schengen and worldwide Travel Insurance
- Future Generali Overseas Travel Insurance Plan
- Future Generali Student Travel Insurance Plan
What I Liked
- Automatic extension of the travel insurance for 7 days
- Medical advice over the phone
- Dispatches essential medicine that is not available locally.
What I Didn’t Like
- Lower amount (EUR 50) for compassionate visit.
- Accidental death (common carrier) and hospital allowance not covered
Best International Travel Insurance (Overseas)
SBI General Travel Insurance
SBI general insurance has medical cover up to $500,000. However, it covers only those medical expenses which are primarily in the nature of an emergency.
Further, SBI does not cover if you are travelling against medical advice or have a pre-medical condition or are travelling to get involved in adventure sports.
The insurer provides a free automatic extension for 7 days for delays due to public transport services. Further, the extension of travel insurance is permissible for a maximum of 180 days with a condition that the overall trip duration is not more than 270 days.
SBI is the only insurer with unique cover paying for a Bail bond and for Golfers hole-in-one.
| Benefits | Coverage Amount |
| Medical expenses (including medical evacuation & repatriation) | $50,000 to $500,000 |
| Personal Accident | 10% of medical expenses. Max $25,000 |
| Loss of passport | $2000 on a floater basis |
| Golfer’s Hole in one | $2000 on a floater basis |
| Home Burglary | $2000 on a floater basis |
| Loss of checked baggage | $2000 on a floater basis |
| Trip cancellation | $2000 on a floater basis |
| Trip curtailment | $2000 on a floater basis |
| Missed flight connection | $2000 on a floater basis |
| Delay of checked baggage | $2000 on a floater basis |
| Hijack distress allowance | $200 per day. $2000 on a floater basis |
| Trip delays | $200 per 12 hrs. $2000 on a floater basis |
| Hospitalization Daily allowance | Up to $50 per day. $2000 on a floater basis |
| Bail bond | $2000 on a floater basis |
| Emergency Cash advance | $2000 on a floater basis |
| Personal Liability | 50% of medical expense amount or $200,000 whichever is lower |
The policy does not cover
- Any claim where the insured person is travelling against the advice of a Physician or is receiving or waiting to receive treatment
- No claim is admissible if arising from war, hostilities and situations of military or usurped power.
- No claim is paid arising from participation in winter sports, mountaineering, riding or driving in races, caving or potholing, hunting, skew diving or for underwater activities, rafting or canoeing, yachting or boating outside coastal waters.
- SBI travel insurance also does not cover for participation in professional or other hazardous sports unless specifically covered as an extension of the policy.
- The insurance policy does not cover medical expenses arising out of a pre-existing disease.
Best SBI General Travel Insurance Plans
- SBI General’s Travel Insurance Policy for business and holiday
What I Liked
- Automatic extension for 7 days
- Travel insurance also has cover for a bail bond
- $200K personal liability cover
What I Didn’t Like
- Does not have separate insurance for dental treatment and accidental death (common carrier)
- No compassionate visit and return of minor child coverage
TATA AIG Travel Insurance
TATA AIG travel insurance is the only insurer which pays you for the unauthorized usage of a lost payment card, up to 12 hours of reporting.
The insurer does not cover pre-existing conditions or any complications arising from it. In a life-saving unforeseen emergency condition, TATA AIG would reimburse up to $1500 per policy.
The insurance plan also covers bounced bookings of hotels and airlines.
However, TATA AIG has various sub-limits for medical expenses for persons aged 56 years and above. Like max $10,000 for surgery, max $400 for an ambulance, max $3000 per day for up to 7 days for ICU, etc.
TATA AIG waives off the above sub-limits on paying an additional premium.
| Benefits | Coverage Amt | |||
| Silver | Silver Plus | Gold | Platinum | |
| Medical expense | $50,000 | $100,000 | $250,000 | $500,000 |
| Accidental Death | $10,000 | $10,000 | $15,000 | $25,000 |
| Accidental death (common carrier) | NA | $5000 | $5000 | $5000 |
| Dental Relief | $300 | $400 | $500 | $1000 |
| Baggage Delay | $50 | $100 | $200 | $500 |
| Checked baggage loss | $500 | $750 | $1000 | $1000 |
| Passport loss | $250 | $250 | $250 | $250 |
| Personal Liability | $100,000 | $150,000 | $200,000 | $500,000 |
| Flight delays | NA | $10 per 12 hrs | $10 per 12 hrs | $10 per 12hrs |
| Hijack | NA | $100 per day | $100 per day | $100 per day |
| Emergency Cash advance | $500 | $750 | $1000 | $1500 |
| Fraudulent charge | $500 | $500 | $1000 | $2000 |
| Home burglary | ₹ 1 Lakh | ₹ 1 Lakh | ₹ 2 Lakh | ₹ 2 Lakh |
| Trip cancellation | $500 | $500 | $750 | $1000 |
| Trip curtailment | $500 | $500 | $750 | $1000 |
| Missed flight connection | $500 | $500 | $750 | $1000 |
| Bounced booking for Hotel / Airline | $500 | $500 | $750 | $1000 |
The medical expense includes medical evacuation and repatriation of remains. In the case of hijack, the maximum cover is of $500.
In the case of flight delays, the maximum cover is of $100.
The policy does not cover
- When the person is travelling against physician advice or is travelling to obtain treatment
- Any pre-existing conditions
- No claim is admissible if arising from war, hostilities and situations of military or usurped power.
Best TATA AIG General Travel Insurance Plans
- TATA AIG Travel Guard Silver Insurance Policy
- TATA AIG Travel Guard Silver Plus Insurance Policy
- TATA AIG Travel Guard Gold Insurance Policy
- TATA AIG Travel Guard Platinum Insurance Policy
Tata AIG has travel insurance plans for students and Senior citizens, for Asia travel and domestic travel.
What I Liked
- Up to $500K of personal liability cover
- $2000 covers for fraudulent charges on the payment card
- Cover for bounced airline and hotel booking
What I Didn’t Like
- No separate cover for a compassionate visit
- Various sub-limits for medical expenses for persons aged 56 years and above.
IFFCO Tokio Travel Insurance
The best thing about buying travel insurance from IFFCO Tokio is that you can pay through cards, net banking and even Paytm wallet.
The insurer provides 20 days of hospitalization allowances which are highest in terms of the number of days covered. However, IFFCO Tokio does not cover pre medical conditions.
| Benefits | Cover Amt | ||||
| Gold 500 | Gold 250 | Gold 100 | Silver | Bronze | |
| Medical expense | $500,000 | $250,000 | $100,000 | $250,000 | $50,000 |
| Personal Accident | $25,000 | $25,000 | $25,000 | $25,000 | $15,000 |
| Dental Treatment | $250 | $250 | $250 | $250 | $250 |
| Repat of remains | $7000 | $7000 | $7000 | $7000 | $7000 |
| Hospital daily allowance | $30 per day | $30 per day | NIL | $30 per day | NIL |
| Checked baggage loss | $1000 | $1000 | $1000 | $1000 | $500 |
| Baggage Delay | $150 | $150 | $150 | $150 | $100 |
| Passport loss | $200 | $200 | $200 | $200 | $200 |
| Hijack allowance | $700 | NA | NA | NA | NA |
| Emergency Cash advance | $250 | NIL | NIL | NIL | NIL |
| Personal Liability | $100,000 | $100,000 | $100,000 | $100,000 | NIL |
Hospital daily allowance is for 20 days
The policy does not cover
- Traveling against the advice of a physician or traveling for treatments
- Pre-existing medical conditions
- Damages to checked-in baggage
- Losses related to participation in high-risk sports or training involving un-professional trainers.
Best IFFCO Tokio General Travel Insurance Plans
- IFFCO Tokio Gold 500 Travel Insurance Policy
- IFFCO Tokio Gold 250 Travel Insurance Policy
- IFFCO Tokio Gold 100 Travel Insurance Policy
- IFFCO Tokio Silver Travel Insurance Policy
- IFFCO Tokio Bronze Travel Insurance Policy
What I Liked
- 20 days of hospitalization allowances
- Payment for buying a policy can be done through Paytm.
What I Didn’t Liked
- No cover for flight delays, trip cancellation and missed flights
- Hijack allowance and financial emergency assistance only with Gold 500 plan
