Bajaj Allianz Travel Companion vs IndiaNetwork Standard
IndiaNetwork Standard brings a $150k medical limit to the table; Bajaj Allianz Travel Companion caps out at $100k. That gap matters most if a visiting parent needs ICU or surgery — the kind of bills a US hospital writes in six figures. Here's how each line of the policy actually plays out.
If coverage limit and hospital network size is what you'd actually claim on, IndiaNetwork Standard is the safer pick. Bajaj Allianz Travel Companion only beats it on avg claim settlement and emergency evacuation, which is a narrower win than the marketing suggests.
Side-by-side: who wins what
| Feature | Bajaj Allianz Travel Companion | IndiaNetwork Standard | Winner |
|---|---|---|---|
| Coverage limit | $100k | $150k | IndiaNetwork Standard |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Large | Very large | IndiaNetwork Standard |
| Typical premium band | ~$173 | ~$113 | IndiaNetwork Standard |
| Avg claim settlement | 21 days | 25 days | Bajaj Allianz Travel Companion |
| Age eligibility | 1-70 | 0-89 | IndiaNetwork Standard |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $250k | $50k | Bajaj Allianz Travel Companion |
| 24×7 support | Yes | Yes |
Where they're the same
- Both Bajaj Allianz Travel Companion and IndiaNetwork Standard settle directly with US hospitals — no $50k credit card hold at admission.
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- Both Bajaj Allianz and IndiaNetwork keep a round-the-clock claims line, not just business hours.
- 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
Acute-onset PED sublimit is modest ($25K); review network carefully.
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Treat this page as a decision aid, not insurance advice. We have no commercial relationship with Bajaj Allianz or IndiaNetwork; the brochures, sample certificates and rate cards we used are dated 2026 and may be revised by the insurers without notice.