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Last updated on: May 20, 2025
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The financial protection of planning international trips in 2025 is higher than ever. Specialised overseas travel insurance is now a must to Indian travellers as the medical expenses in the world continue to escalate and journeying becomes risky. Some of the best plans are the Tata AIG Global Combo Plan and the Zurich Kotak Livewise Plan, which have some distinctive features and a wide range of benefits. Their differences will enable you to select the most appropriate travel insurance depending on your needs regardless of whether you are a student, business traveller or family vacationer.
The Tata AIG Global Combo Plan is a universal travel insurance coverage targeting Indians who travel to other countries either in short or long periods of time. It is a general claim of different covers such as emergency medical, cancellation of a trip, baggage loss and even accidental death in one plan. By 2025, Tata AIG has also adapted its Global Combo Plan to be more flexible and available on the digital platforms, and thereby the process of purchasing it will be smooth.
The travel experts indicate that the solid global network of hospitals and high rate of claims settlements (more than 94 percent direct payouts in 2024) have made Tata AIG a favourite among the ordinary flyers.
Pros
Cons
People Also Ask:
Q. Does Tata AIG travel insurance apply in every country?
A. Yes, it is accepted by the embassies and medical practitioners across more than 190 countries.
Did You Know? Tata AIG also simplified its claim procedure in 2024, which allowed it to take its claims cash-free in more than 13,000 hospitals across the world.
Zurich Kotak Livewise Plan, a joint venture between Zurich Insurance Group and Kotak Mahindra, is an Indian globetrotter travel insurance that is innovative and digital-based. Introduced when there is an increased demand in international student, leisure, and business cover, the plan provides extensive coverage designed according to the type of trip.
Zurich Kotak is a fast and no sublimit structure, which prevents the need to establish limits and win the transparency and clarity of the offer, therefore highly recommended.
Pros
Cons
People Also Ask:
Q. Is Zurich Kotak Livewise Plan inclusive of COVID-19?
A. Yes, there are the costs of COVID-19 and costs related to quarantine.
Professional Opinion: The global teleconsult service offered by Zurich Kotak (introduced in late 2024) has enhanced the outcomes of emergency management patients in foreign countries.
To assist in visualising the key differences, the following is a comparison of the two travel insurance products according to the various criteria of 2025:
| Benefit | Tata AIG Global Combo | Zurich Kotak Livewise. |
|---|---|---|
| Max Medical Cover | USD 5,00,000 | USD 4,00,000 |
| COVID-19 and Pandemic Coverage | Yes | Yes. |
| Hospital Network | 13,000 and above hospitals | 10,500 and above hospitals |
| Emergency Evacuation | Included | Included |
| Pre-Existing Disease Cover | Limited | Limited. |
| Trip Cancellation | Yes | Yes |
| Digital Claims Process | Yes | Yes (Enhanced App) |
| Cyber and E-Wallet Fraud | Optional | Included. |
| Premium of 14 day Europe Trip | Approx [?]1,950 | Approx [?]1,870 |
| Claim Settlement Turnaround | 4-5 days avg. | 2-4 days avg. |
| Adventure Sports Option | Paid Add-on | Optional. |
People Also Ask:
Q. Better in terms of adventure sports coverage?
A. Tata AIG tends to provide more specific add-ons on dangerous activities and sportive activities.
Did You Know? Zurich Kotak Livewise addresses travel issues, including medical, along with refund services because of missed events or meetings, the first plan to do so in 2024.
The two plans are both family and frequent traveller-friendly, but which one should be the most appropriate is determined by the priorities of the traveller.
Tata AIG Global Combo Plan of Families.
Types of family floater.
Increased medical limits are appropriate with parents and the elderly.
Good when visiting high healthcare cost countries.
Frequent Flyer Zurich Kotak Livewise Plan.
Multi-trip packages having cheaper overall price.
Other security such as cyber fraud and e-wallet cover.
Easy digital processing that is perfect to business travellers.
Learning Triplet: Rewards: The reward points available by the year 2025 at Zurich Kotak can be redemed in the form of vouchers on travel or discounts on premiums.
There is a need in fast and fair claims processing when you get stuck overseas.
Tata AIG: On-site and online, claims 4-5 business days on average, cashless in partner hospitals.
Zurich Kotak: Full digital, mobile application, average time of 2-4 business days to closure, frequent app and email status updates.
People Also Ask:
Q. What are the documents one needs to travel insurance claims?
A.boarding passes, hospital bills, claim forms, and passport scans are usually required. Both of the insurers accept online uploads.
Did You Know? Later, in 2024, more than 67 percent of the rejected travel claims in India occurred because of the pre-existing illnesses that were not disclosed.
The major factors to be considered in the selection of Tata AIG Global Combo and Zurich Kotak Livewise plans include:
People Also Ask:
Q. Is it possible to purchase travel insurance once the trip has started?
A. The majority of them have an obligation to purchase in advance, but there are also some Zurich Kotak emergency covers that can be triggered after the departure with requirements.
Both provide healthy international travel coverage, which covers claim in most countries.
Tata AIG offers increased medical limits and partner network, most useful in the high cost medical destinations or family groups.
Zurich Kotak favours younger, technology-aware travellers and people who require cyber fraud and digital claims.
Most short-term policies have a low price difference.
Before selection, take into account personal requirements, the purpose of the trip, age, and digital comfort.
The Tata AIG Global Combo Plan is ideal when one wants greater medical cover, more hospital ties throughout the world, and flexibility in including add-ons to the family or a long stay. Zurich Kotak Livewise Plan would be perfect with digital-first travellers who would want unambiguous, low-deductible, contemporary coverage that incorporates cyber fraud coverage, and quick online claims service. The two policies will continue to be the market leaders in the Indian travel insurance business in 2025.
Q. Does Tata AIG and Zurich Kotak have Schengen visa travel acceptability?
A. Yes, the two policies meet the Schengen visa insurance requirements in 2025.
Q. Is it possible to renew or lengthen my plan outside of the country?
A. Tata AIG permits the extension of some of the plans over the internet, and Zurich Kotak also makes it possible to extend the plans in some emergency cases automatically.
Q. How do we handle the situation in case my trip is cancelled on an emergency at home?
A. Both plans reimburse non-refundable amounts of prepaid trips on grounds of valid reasons, according to the wording in the policy.
Q. What is the best travel insurance of students going abroad?
A. Zurich Kotak Livewise has features such as benefits like sponsor protection, study interruption which are friendly to the student and Tata AIG offers student cover which is tailored.
Q. Does it offer any group travel discount?
A. Yes, special group or family and corporate booking discounts are offered by both insurers.
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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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