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Travel Insurance · head to head

Travel Ace (International) vs Overseas Travel Ease Policy (Business & Holiday)

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Quick verdict

  • Travel Ace (International) is better for most benefits included first.

Computed from stored specifications, the published travel insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Travel Ace (International)
Overseas Travel Ease Policy (Business & Holiday)
Plan
Trip type
Single trip
Single trip
Geography
Excl USA & Canada | Incl USA & Canada
Worldwide (including USA & Canada) | Worldwide (excluding USA & Canada)
Sum insured options (USD)
USD 50,000, USD 100,000, USD 200,000, USD 500,000
USD 25,000, USD 50,000, USD 100,000, USD 250,000, USD 500,000
Entry age
0-70 yrs (Standard, Silver, Gold, Platinum); 70+ (Super Age)
6 months - 80 Years. Beyond 80 years upto 90 years, proposals need to be referred to H.O. and acceptance will be on merits of the case.
Pre-existing conditions
'Emergency medical treatment for life-threatening conditions arising out of any pre-existing medical condition upto USD 3000 is covered under medical expenses'; Extn. 3 Pre-Existing Illness Cover USD 5000 in Platinum only (NA in other plans)
Not covered: exclusion 'Any Pre-existing condition and complication arising from it.'
Benefits
Medical expenses
Yes
Yes
Trip cancellation
Yes
Yes
Baggage loss
Yes
Yes
Baggage delay
Yes
Yes
Passport loss
Yes
Yes
Flight delay
Yes
No
Personal liability
Yes
Yes
Premium
Sample annual premium
₹718
—
Sample premium is for
Travel Ace Standard (USD 50,000), premium with medical sub-limit, Excl USA & Canada, age band 0-50, travel days 1-15; brochure does not state GST inclusion
—
Insurer
IRDAI UIN
BAJTIOP24008V022324
NIATIO22220V012122

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

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