India travel insurance sub-limts vs no sub-limits

Sublimits

Definition: Sublimits are specific constraints or limits in an insurance policy's cover for certain losses or medical expenses. These sub-limits are part of the original medical maximum coverage amount, which means that the sub-limits do not provide extra coverage but are a specified maximum limit to cover a specific situation. Sublimits may be either expressed as a Dollar amount or as a percentage of the total coverage available.
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Difference between plans having sub-limits and not having sub-limits

Insurance plans with Sublimts Insurance plans with no Sublimits
Definition These plans have specific limitations on the coverage available to cover different medical expenses. These plans cover up to the available maximum without any limits for specific treatments
Coverage Limits on medical expenses, affordable, ideal for small expenses Provides extensive coverage, more expensive, offers coverage up to the chosen plan maximum
Premium Cost Cheap and affordable Higher premiums

How do these plans work?

Example: Plan with sublimits

Let us take an example where the medical bill is $25,000.
Deductible is $100 - First $100 the customer needs to pay before the insurance company pays.
The plan covers up to a maximum of $50,000.
The insurance company only pays limited amount for the expenses, assuming the following breakdown:
Expense Amount Billed Plan Pays Customer Owes
Ambulance $700 $400 $200 + $100 (deductible)
Hospital Room Rent $8,000 for 4 days $6,000 for 4 days $2,000
Surgical Treatment $16,000 $10,000 $6,000
Physician’s visits $400 for 4 days $300 for 4 days $100
Total $25,100 $16,700 $8,400

Example: Plan without sublimits

Let us take an example where the medical bill is $25,000.
The plan covers up to a maximum of $50,000.
Deductible is $100 - First $100 the customer needs to pay before the insurance company pays.
The insurance company pays full amount for the expenses after the deductible is paid by the customer, assuming the following breakdown:
Expense Amount Billed Plan Pays Customer Owes
Ambulance $700 $600 $100 (deductible)
Hospital Room Rent $8,000 for 4 days $8,000 for 4 days $0
Surgical Treatment $16,000 $16,000 $0
Physician’s visits $400 for 4 days $400 for 4 days $0
Total $25,100 $25,000 $100

Travel Insurance Plans - Eligibility

Company Available Insurance plans with Sublimts Available Insurance plans with no Sublimits
TATA AIG For travelers aged 6 months to 55 years:
No Sublimits
For travelers aged 56-70 years:
Silver Plan with sublimits ($50,000),
Silver Plus Plan with sublimits ($100,000),
Gold Plan with sublimits ($250,000),
Platinum Plan with sublimits ($500,000)
For travelers aged 70 years and above:
Silver Plan with sublimits ($50,000)
Travelers aged 6 months to 55 years:
Silver ($50,000),
Silver Plus ($100,000),
Gold ($250,000),
Platinum ($500,000)
Travelers aged 55-70 years:
Silver Plan without sublimits ($50,000),
Silver Plus Plan without sublimits ($100,000),
Gold Plan without sublimits ($250,000),
Platinum Plan without sublimits ($500,000
Travelers aged 70 years and above:
Silver Plan without sublimits ($50,000)
More Details
Religare Travelers aged 1 day to 60 years:
No Sublimits
Travelers aged 61-80 years:
Gold Plan($50,000; $100,000)
Travelers aged 81-90 years:
Gold Plan($50,000)
Travelers aged 1 day to 60 years:
Gold Plan($50,000; $100,000; $300,000; $500,000)
Platinum Plan($50,000; $100,000; $300,000; $500,000)
Travelers aged 61-80 years:
Platinum Plan($50,000; $100,000)
Travelers aged 81-90 years:
Platinum Plan($50,000)
Trawelltag's Cover More Travelers aged 6 months to 60 years:
No Sublimits
Travelers aged 61 months to 70 years:
Saver Plan ($50,000; $250,000, $500,000)
Smart Plan ($50,000; $250,000, $500,000, $1 million)
Style Plan ($50,000; $250,000, $500,000, $1 million)
Travelers aged 71-80 years:
Saver Plan ($50,000; $250,000)
Smart Plan ($50,000; $250,000)
Travelers aged 81-90 years:
Saver Plan ($50,000; $250,000)
Travelers aged 6 months to 60 years:
Saver Plan ($50,000; $250,000, $500,000)
Smart Plan ($50,000; $250,000, $500,000, $1 million)
Style Plan ($50,000; $250,000, $500,000, $1 million)
Travelers aged 61-70 years:
Smart Plan without sublimits ($50,000)
Style Plan without sublimits ($250,000)
Travelers aged 71-90 years:
Smart Plan without sublimits ($50,000)
More Details
ICICI Lombard Travelers aged 51-70 years
Silver ($50,000; $100,000),
Gold ($50,000; $100,000, $250,000, $500,000),
Platinum ($50,000; $100,000, $250,000, $500,000),
Travelers aged 71-85 years:
Senior Plan - $25,000, $50,000
Travelers aged 3 months to 50 years
Silver ($50,000; $100,000),
Gold ($50,000; $100,000, $250,000, $500,000),
Platinum ($50,000; $100,000, $250,000, $500,000),
Cholamandalam Travelers aged 6 months to 60 years
No Sublimits
Travelers aged 6 months to 60 years
Silver ($50,000; $100,000), Gold ($50,000; $100,000)
Reliance Travelers aged 61-70 years
Standard - $50,000, Silver - $100,000, Gold -$250,000 , Platinum - $500,000
Travelers aged 71-90 years
Senior Plan - $15,000, $50,000
Travelers aged 6 months to 60 years
Standard - $50,000, Silver - $100,000, Gold -$250,000 , Platinum - $500,000
Travelers aged 71-80 years:
Senior Plan without sublimits ($50,000)
Bajaj Allianz Travelers aged 61-70 years
Companion Age Plans - $50,000
Elite Age Plans - $50,000, $200,000, $500,000
Prime Age Plans - $50,000, $200,000, $500,000, $750,000, $1 million
Travelers aged 71 - 99 years
Senior Citizen - $50,000 coverage for age 71-85 years
Prime Super Senior Citizen - $50,000 coverage for age 71-99 years
Travelers aged 6 months to 60 years
Companion Plans - $50,000, $200,000, $500,000
Elite Plans - $50,000, $200,000, $500,000
Prime Plans - $50,000, $200,000, $500,000, $750,000, $1 million
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