Cholamandalam MS Travel Insurance

Cholamandalam MS General Insurance provides you coverage against incidents arising during a trip – the lost baggage, ill health, flight cancellations or missing documents such as passport/international driving license. So, if you are looking for travel insurance for safe domestic or international travel, check out this post below and know more about the Cholamandalam MS Travel Insurance Plans.

Types of Cholamandalam MS Travel Insurance

Cholamandalam offers you a wide range of travel insurance plans to suit all your travel-based requirements.

Comprehensive Travel Insurance

Chola Comprehensive Travel Insurance Policy is an international travel insurance plan that provides you financial protection against unfortunate events outside India. This policy offers you comprehensive protection at an affordable premium starting from INR 228. Check out the list of coverage below:

1. Overseas medical expenses including repatriation of mortal remains, medical evacuation/transportation)
2. Dental Treatment
3. Total loss of Checked-In-Baggage and Hand Baggage
4. Delay of Checked-In-Baggage
5. Loss of Passport
6. Personal Accident – Overseas
7. Personal Liability
8. Financial Emergency
9. Loss of International Driving License
10. Home Burglary
11. Trip Cancellation
12. Trip Curtailment
13. Trip Delay
14. Missed Flight Connection
15. Emergency Telephone Charges
16. Compassionate Visit
17. Return of Minor Children
18. Rental Car
19. Adventurous Activities Cover
20. Rehabilitation Services
21. Pediatric Services
22. Hospital Daily Cash
23. Hijack Relief
24. Ambulatory Care Services
25. Bounced Booking of Hotel
26. Personal Accident – Domestic
27. Accident Medical Expenses
28. Repatriation of Mortal Remains

Under this policy, you’ll get sum insured options such as:

1. USD 50,000
2. USD 1 Lakh
3. USD 2.5 Lakhs
4. USD 3.5 Lakhs
5. USD 5 Lakhs

Student Travel Insurance

The Chola Student Travel Protection Plan provides financial protection to students studying overseas. Under Chola Student Travel Protection Plan, you’ll get coverage for:

1. Medical expenses during emergency medical situations
2. Dental treatment benefit in addition to the medical expenses limit
3. Loss of passport cover for obtaining a duplicate passport in case of loss during the travel
4. The insurer will provide a bail amount for any bailable offense
5. A 2-way compassionate visit in case you or your family member is hospitalized for more than seven consecutive days. The insurer shall cover the expenses of the immediate family member to visit you at the hospital. The insurer shall cover the cost of the round trip, economy-class air ticket for you/family member and accommodation charges for the family member going abroad.
6. Checked-in baggage loss
7. A personal accident resulting in death and/or permanent total disability
8. A personal accident resulting in death and/or permanent total disability while traveling from residence to airport or from airport to the residence in India.
9. In case your studies are interrupted on account of medical grounds or due to the death of an immediate family member or the sponsor, the insurer will reimburse the non-refundable portion of the tuition fee for the remaining part of the current semester.
10. Sponsor protection cover where the insurer will reimburse the tuition fee for the remaining part of the education provided the sponsor dies in an accident.
11. Personal liability covers compensation towards any legal liability that you may have to bear due to third-party injury to a person or damage to property.

This Cholamandalam MS Travel Insurance comes in three different variants Silver, Gold & Platinum. You can opt following medical expenses extension if you choose the Platinum variant:

1. Cancer screening and mammography examinations covered up to $2000
2. Treatment of mental/nervous disorders including alcoholism and drug dependency covered up to $1000
3. Child care benefit of $100, payable up to 7 days, provided the child is above 90 days and is hospitalized for more than two days for any ailment.
4. In-patient medical expenses related to pregnancy covered up to $500
5. Medical expenses for inter-college sports injury up to the sum insured as played in the policy schedule.

Leisure Travel Insurance

Cholamandalam Leisure Travel Insurance makes your business trip or vacation hassle-free and memorable by providing you coverage against the following:

1. Medical Treatment
2. Repatriation of Remains
3. Dental Treatment
4. Checked-in Baggage Loss
5. Checked-in Baggage Delay
6. Loss of Passport
7. Personal Liability
8. Personal Accident – Overseas
9. Personal Accident – Domestic
10. Hijack Relief Benefit
11. Hospital Daily Cash
12. Financial Emergency
13. Trip Cancellation
14. Trip Curtailment
15. Trip Delay
16. Loss of International Driving License
17. Home Burglary

This Cholamandalam MS Travel Insurance comes in different variants such as:

1. Silver
2. Gold
3. Annual Multi-Trip
4. Senior Citizen

Sub-Limit on Medical Expenses

If you choose senior citizen plan, the following sub-limits shall apply to this policy:

For the Senior Citizen Plan (Age group 71-75 years)

1. The maximum liability for medical expenses are restricted to USD 12,500
2. The Insurer’s liability for any accidental medical expenses shall be restricted to USD 25,000

For the Senior Citizen Plan (Age group 76-80 years)

1. The maximum liability for medical expenses is restricted to USD 10,000
2. The Insurer’s liability for any accidental medical expenses shall be restricted to USD 25,000

General Exclusions from Cholamandalam MS Travel Insurance

The insurer shall not make any payment in respect of the following:

1. Overseas travel for medical treatment
2. Any treatment that can be delayed till the policyholder returns to India as per the attending doctor’s advice.
3. illness/injury directly or indirectly related to war, invasion, civil war, the act of foreign enemies, insurrection, rebellion, mutiny or revolution, usurped power, capture, seizure, restraint, arrest or detainment, nationalization, confiscation or requisition, damage caused by the order of any public local authority or government, acts of terrorism, except Hijack Relief.
4. Any reckless, intentional or criminal activity
5. Use or abuse of alcohol or drugs
6. Attempted suicide
7. Participation in air force, military or naval operations, either as a military exercise or as war games, or actual engagement with a foreign or domestic enemy.
8. Losses caused by attempted or actual commission or participation in illegal activities or attempted or actual violation of the law, including resisting arrest.
9. HIV/AIDS and all concomitant health conditions