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Travel Insurance · head to head

Happy Traveller Plan vs Overseas Travel Ease Policy (Business & Holiday)

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Quick verdict

  • Happy Traveller Plan 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
Happy Traveller Plan
Overseas Travel Ease Policy (Business & Holiday)
Plan
Trip type
Single trip
Single trip
Geography
—
Worldwide (including USA & Canada) | Worldwide (excluding USA & Canada)
Sum insured options (USD)
—
USD 25,000, USD 50,000, USD 100,000, USD 250,000, USD 500,000
Entry age
Minimum: Proposer 18 years, Child 91 days, Adult 18 years; Maximum: No limit ('Max entry age of adult can be 99 years')
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
Excluded unless opted: 'Any Pre-existing medical disease/Condition either declared or undeclared. Declared Pre-existing medical disease/Condition can be waived, subject to the same is accepted by Us on the payment of additional premium (only up to the limit specified in Policy Schedule)'; website: Smart 360 PED $5K–$10K, Smart not covered
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
Insurer
IRDAI UIN
GODTIOP24172V012324
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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