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Last updated on: May 20, 2025
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In the year 2025, the selection of the right travel insurance is a key issue that will be critical to any Indian traveller, be it on a business trip, an international study or a family tour. The most popular ones are Tata AIG Global Combo Plan and Universal Sompo Digi Pro Plan, as both of them include a combination of features that meet the needs of different travellers. This guide goes into their offerings, the two plans are compared in terms of coverage, benefits, exclusions, premium costs and also whether they should be used based on the current trends and changes in the preferences of the traveller.
The Global Combo Plan of Tata AIG is a broad-based travel insurance program that has been crafted to cover Indian travellers seeking worldwide cover. It serves the needs of single and multi trip needs of individual, families or groups. This plan includes standard travel risks, crisis, and 24x7 international coverage, which guarantees security in the trip regardless of travelling to the US, Europe, or anywhere in Asia.
Did You Know?
Experts opinion: The Indian Insurance council points out that there is an acute demand of policies that cover pre-existing diseases and adventure sports in the 2024-2025 period as more Indians leave to go on holiday and do business in different parts of the world.
Digi Pro Plan of Universal Sompo is a smart digital travel insurance plan that targets the tech Indian. This plan has paperless claim settlements and custom-made coverage, which provides smooth coverage across the globe. Onboarding, policy customization, and claim intimation are not hard or fast on its digital platform.
People Also Ask:
Does the Universal Sompo Digi Pro Plan satisfy the requirements of Schengen visa?
Yes, the coverage in this plan is in conformity with the Schengen visa provisions to all the European states.
In comparing these two plans in details, it is possible to outline several differences and strengths of coverage areas.
| Option | Tata AIG Global Combo Plan | Universal Sompo Digi Pro Plan. |
|---|---|---|
| Medical Sum Insured | Up to 5 crore INR | Up to 3 crore INR |
| Trip Cancellation | Others | Others |
| Pre-Existing Diseases CoverLimited | Limited (emergency only)Limited (emergency only) | |
| Adventure Sports Choice | Yes | No. |
| Processing of claims | Semi-digital | Fully digital. |
| COVID19 Quarantine Cover | Normal | Included. |
| Delay/Loss of Baggages | Up to 1 lakh INR | 75 thousand INR |
| Personal Liability | Yes | Yes |
| Hospital Cash Allowance | Included | Included |
| Student Extension Cover | Optional | Yes, available. |
Both provide solid core protection but in 2025, Tata AIG is stronger in general medical coverage and specialties, like adventure sports, and Universal Sompo is intrigued with digital provision of services and new risks such as pandemic disruptions of travel.
Insurance experts observe that more and more students and entrepreneurs today are opting to have a flexible insurance digitally managed as in Digi Pro but families and the elderly citizens feel more at ease in having a comprehensive combo plan like that of Tata AIG.
Many Indian travellers are usually finalized by the cost. The costs of the premiums may be different according to the length of the trip, the destination, the age, the type of the policy (individual or family), and the add-ons.
| Traveller Profile | Tata AIG Global Combo (INR) | universal Sompo Digi Pro (INR) |
|---|---|---|
| Solo Traveller, 30 Days, USA | 2,400-3,000 | 2,100-2,600 |
| Family of 4, 15 Days, Europe | 4,000-5,500 | 3,500-4,900 |
| Student, 6 Months, Canada | 14,000-16,000 | 13,500-16,000 |
This is an approximate price of 2025 of basic covers with no significant add-ons. Both airline companies do have their discounts or loyalty offers to frequent flyers or bulk purchases offers.
Pros:
Cons:
Pros:
Cons:
People Also Ask:
Is it possible to get loss of baggage and delay using the same policies?
Yes, in both plans, it is possible to claim baggage delay and loss. Documentation requirements and amounts vary.
Did You Know?
A significant number of insurance companies in the year 2025 have linked up with international hotels and hospitals, where direct cashless facilities are not harder than ever before, in case of a stranded or sick Indian traveller.
Although both plans include a broad range of travel risks, there are still significant exclusions:
The small print is usually different and thus it is important to read into each policy document.
People Also Ask:
Does Tata AIG and Universal Sompo have a cashless claim settlement?
Yes, the two insurers are providing cashless options in their worldwide network of hospitals. Nonetheless, some cases might involve reimbursement on submission of bills.
The following are some of the recommendation scenarios of common traveller categories in India:
Did You Know?
According to the industry data, more than 40 percent of new insurance purchases in India in international travel are now done via smartphone applications.
Both Tata AIG Global Combo Plan and Universal Sompo Digi Pro Plan are great options to consider when a person wants to travel to a foreign country in 2025. At Tata AIG, medical coverage and traditional strength are broader whereas at Universal Sompo, efficiency and modern digital amenities are given. The most suitable one is based on your profile of the trip, budget, and personal preferences.
| Characteristic | Tata AIG Global Combo Plan | Universal Sompo Digi Pro Plan |
|---|---|---|
| Best in | Families, elderly, | Students, solo, digital users. |
| Max. Medical Cover | 5 crore INR | 3 crore INR. |
| Digital Claims | Partial | 100 percent. |
| Adventure Cover | Add-on | None. |
| COVID Quarantine | Basic | Include. |
| Normal Premium (30d) | Rs 2400 and above | Rs 2100 and above |
Which is the more appropriate strategy to Schengen countries in 2025?
The two plans are Schengen visa compliant. Paperwork is accelerated with the aid of the digital process of Universal Sompo.
Can I upgrade my plan mid-trip?
Both allow upgrades but there is no claim on the current trip and the upgrades come at an extra premium. Check insurer policy terms.
Will I be covered in pre-existing diseases when I am hospitalised overseas?
Both offer emergency cover against the pre-existing ailments although extensive coverage might require certain attachments or statements.
What plan clears claims quicker in 2025?
Universal Sompo Digi Pro Plan provides immediate digital processing of claims, which most times is faster than the semi-digital Tata AIG practices.
Is it possible to incorporate adventure sports in both plans?
The optional adventure sports coverage is provided in only Tata AIG Global Combo Plan.
Does both plans have 24x7 customer support?
Yes, the two insurers operate 24x7 multilingual helplines throughout the world.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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