Bajaj Allianz Travel Companion vs HDFC ERGO USA Travel Silver
Bajaj Allianz Travel Companion and HDFC ERGO USA Travel Silver are both comprehensive options aimed at a similar profile — visiting parents in the 1–70 age band. The differences are narrower than the brochures suggest, and they show up in places most buyers don't look. Below: every line that matters for a visiting parent.
Bajaj Allianz Travel Companion and HDFC ERGO USA Travel Silver score evenly across the 11 categories. The choice comes down to which trade-off matters more to your family — coverage on one side, premium on the other.
Side-by-side: who wins what
| Feature | Bajaj Allianz Travel Companion | HDFC ERGO USA Travel Silver | Winner |
|---|---|---|---|
| Coverage limit | $100k | $100k | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Large | Large | |
| Typical premium band | ~$173 | ~$170 | |
| Avg claim settlement | 21 days | 21 days | |
| Age eligibility | 1-70 | 1-70 | |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $250k | $250k | |
| 24×7 support | Yes | Yes |
Where they're the same
- Bajaj Allianz and HDFC ERGO both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- COVID-19 treatment is in scope on both — handled like any other illness, not a separate rider.
- 24×7 phone support sits behind both plans — useful when a hospital admits at 2am IST and you need pre-auth.
- Neither plan is fixed-benefit; both reimburse real charges up to the medical limit, which is what you want for an unpredictable US bill.
Coverage cap may be low for serious illness
Lower coverage cap than higher tiers
Other comparisons you might want
More comparisons for Bajaj Allianz Travel Companion
This comparison reflects publicly available Bajaj Allianz and HDFC ERGO plan documents as of 2026. Sub-limits, exclusions and territorial rules can change between buy dates, so the official Bajaj Allianz Travel Companion and HDFC ERGO USA Travel Silver certificates are the source of truth.