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Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
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Many Indians have the dream of travelling abroad be it to study, work or to have fun. It is also important to put your trip into a well-rounded international travel insurance so that in case of unforeseen events you get the safeguard in terms of finances and medical treatment. The Tata AIG Global Combo Plan and Universal Sompo Plus Diamond Plan are two of the two top options in 2025. This guide will advertise these best offerings and make it easy to choose the best policy to use on your next trip.
Both Tata AIG and Universal Sompo have good reputation in the field of travel and health cover in India. Their star products, Global Combo and Plus Diamond are particularly in high demand because of their wide coverage space, reasonable price, and a wide range of features.
It is difficult to select the appropriate plan and this is full of all the technical terms and extras. This paper will dissect the main arguments, points of interest, strengths and weaknesses, and commonly asked questions to provide you with a useful piece of advice that fits your purpose.
In 2025, there is a rise in cross-border travel opportunities, but with its own peculiar circumstances like medical emergencies, flight delays, lost luggage, and health issues.
Travel insurance such as Tata AIG Global Combo and Universal Sompo Plus Diamond have changed with the times and now are offered with such benefits as pandemic cover, cashless hospitalisation and tele-consultation. These characteristics cater to the requirements of the contemporary travellers.
Did you know? According to a survey that was undertaken at the beginning of 2025, seven out of ten Indian travelers ranked international medical costs as the highest concern when they are flying overseas.
This is because the Tata AIG Global Combo Plan is described as the best plan that offers universal coverage in a variety of trips, thus befitting frequent flyers, business executives and students.
Highlights include:
Optional Addons
Universal Sompo Plus Diamond Plan has become a popular choice among those travelers who desire a more customisable option and certain unique options.
Special highlights:
| Characteristic | Tata AIG Global Combo | Universal Sompo Plus Diamond. |
|---|---|---|
| Maximum Sum Insured (USD) | 5,00,000 | 10,00,000 |
| Emergency Medical Cover | Yes | Yes. |
| Preexisting Disease Cover | None | None Life-threatening only. |
| Family Floater Option | No | Yes |
| Adventure Sports Cover | Addon | Basic included. |
| Home Burglary Insurance | No | Yes |
| Auto Extension of Policies | No | Yes |
| Premium Range (INR approx) | 650-10,350 | 900-12,600 |
| Trip Cancellation and Curtailment | Yes | Yes |
| Hospitalisation, Cashless | Yes | Yes. |
| Telemedicine Consultation | Yes | Limited. |
| Travel Delay / Missed Connection | Yes | Yes |
| Hijack Distress Allowance | No | Yes |
| Ratio Claim Settlement 2024 | 97.1 percent | 95.4 percent |
1 Week single trip, 2 adults, Zone A, under 40 years. The premiums can vary according to age, area, tenure.
Pros
Cons
Expert View Most of the corporate travel managers in India are willing to use Tata AIG to send their employees to foreign countries because it has a strong global support helpline.
Pros
Cons
People Also Ask: What would happen to my traveling with family in both plans?
In case of group or family travel, the Universal Sompo Plus Diamond is mostly preferable because it provides family floater plans which Tata AIG Global Combo plan does not, as of 2025.
Tata AIG provides mobile application and web portal to allow real time status tracking of digital claims submission. There are 24x7 helplines all over the world. Standard claims have little documentation.
Universal Sompo though fast, can take up to 7 working days as first time by review. Emergency aid is available everywhere whereas cashless hospitalisation is restricted in the less-known nations. Insurers need such documents as a passport, ticket copies, and hospital bills.
Did you know? In 2024, TATA AIG travel insurance claims turnaround time was 33 hours on average, one of the quickest claim turnaround times of Indian insurers.
Tata AIG Global Combo Plan incorporates COVID-19 hospitalisation, quarantine lodging indemnity, and telemedicine up to USD 2,500 based on the plan. The quarantine cover will differ according to region and advisory.
Universal Sompo Plus Diamond will cover COVID-19 treatment due to hospitalisation, but not quarantine or isolation facility costs that are mandatory unless they are declared as a medical emergency.
Tata AIG is also introducing the adventure sports cover as a paid addon and sponsor protection to students (guarantees tuition fee in case of sponsor death). Universal Sompo plus diamond also offers home burglary insurance, a special advantage, and hijack distress allowance as a measure to provide mental distress after these events.
The Tata AIG multi-trip annual plan is very useful to frequent travellers, when they need the same cover in a number of trips at a specified premium. Universal Sompo Plus Diamond family floater is affordable to those who travel on infrequent basis but with family.
Did You Know? The current trend among buyers of business travel insurance in India is switching to the digital cashless travel insurance that has valueadded 24x7 support in local languages.
People Also Ask: What about foreign students?
The plan of Tata AIG is also preferred by students because of their optional sponsor protection as well as certificate help based on the university. Universal Sompo insures are unaffiliated, but have basic student policies.
Your choice should depend on:
Tata AIG Global Combo Plan is the best option among frequent flyers, business travelers and students searching to experience claims digitally and have considerable coverage when the trip is disrupted and emergency medical expenses.
Universal Sompo Plus Diamond Plan is suitable to families, to individuals who require more amounts insured or where emergency cover or home burglary insurance when travelling is necessary.
Compare the two main ones on important things, verify the exclusions, evaluate the total cost on the preferences of your trip and never lie about all the health information during policy purchase.
People Also Ask: Does international travel require travel insurance in 2025?
A majority of nations such as Schengen, USA, UK, Australia, and SEA countries will need sufficient travel cover to be allowed to travel visa-wise in 2025.
People Also Ask: Does the coverage of both plans include pandemic and epidemics in 2025?
Tata AIG includes hospitalisation and quarantine of COVID19, on terms. Universal Sompo is only inclusive of hospitalisation related to pandemic declared emergency.
People Often Ask: Does it allow me to get cashless hospitalisation in foreign countries?
Well, both plans provide cashless hospitalisation in network hospitals listed globally, which is subject to prior approval and documents.
People Also Ask: How are the premium rates of over 60 years?
In the case of Tata AIG Global Combo, senior citizens require minimum INR 2,400 per week and Universal Sompo Plus Diamond, the premiums required in the Zone A are INR 2,800 upwards per week based on the duration of stay and sum insured.
People Also Ask: Is it possible to take a policy to another?
No, travel insurance is not portable during the middle of the travel and is contract specific. In order to depart, always buy the most appropriate plan.
Tata AIG Global Combo Plan is digital-first and provides broad global coverage and is the most suitable choice in case of frequent business and student travel.
Universal Sompo Plus Diamond Plan has increased sum insured, family floater and uncommon cover such as home breakage and pre-existing critical illness.
Universal Sompo could be checked by families and individuals who want high customisation whereas the Tata AIG could be the choice of professionals/students.
Network hospital access, claim track-record and policy exclusions should be checked prior to purchase in 2025.
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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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