Bajaj Allianz Travel Companion vs ICICI Lombard Travel USA Standard
Bajaj Allianz Travel Companion and ICICI Lombard Travel USA Standard 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. We break down what that means for a real hospital visit.
It's a coin-flip on points: each plan takes 0 weighted wins. Lead on whichever single line carries the most weight for the visit you're insuring.
Side-by-side: who wins what
| Feature | Bajaj Allianz Travel Companion | ICICI Lombard Travel USA Standard | 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 | ~$178 | |
| Avg claim settlement | 21 days | 22 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 ICICI Lombard both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- 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
Cap may be insufficient for major hospitalization
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BackToIndia is independent — we don't sell Bajaj Allianz Travel Companion or ICICI Lombard Travel USA Standard and earn nothing from either Bajaj Allianz or ICICI Lombard. Plan data is reviewed by our editorial team in 2026; always confirm specifics against the official policy wording before purchase.