Chola Insurance

Travel Insurance

Travel Insurance

WHY TRAVEL INSURANCE:

We look forward to travelling as it is all about happy memories and great times. A trip can be fun and exciting if everything goes exactly the way we plan. But there is always a chance of things going awry, thanks to unforeseen situations that are completely beyond our control. While on a trip, the last thing one would want is a lost baggage, ill health, flight cancellations or missing documents. It could be tricky situation if you had to face any of such unpleasant circumstances in a foreign land.

Whether it is a domestic or an international travel, it is a nightmare to face such events that can drain all your travel cash within minutes and wreak havoc emotionally too. A good travel insurance plan is all that you need to stay at peace and combat such unhappy incidents that may crop up during a trip.

WHY CHOLA INSURANCE?

A great Travel Insurance policy provides a complete protection against loss incurred as a result of lost baggage or documents, trip interruptions due to flight delays or a sudden illness during a trip.

Regardless of whether you are on business or leisure trip, Chola MS takes care of you while you are away from home. We make sure your trips are relaxed, comfortable and free of any kind of stress that may ruin your travel plans. We are completely committed to ensure that when you look back your trip should be a beautiful reminder of happy memories, bliss and joy!!

Types of Travel Insurance Coverage offered by Chola MS?

Cholamandalam offers a customized and specially designed Travel insurance plan in India to suit all your travel based insurance requirements that make sure you are completely relaxed and at peace while travelling with your loved ones:

  • Domestic Travel Insurance Policy

    : This offers coverage for medical emergencies, checked-in lost/stolen baggage, travel delays, permanent disability and death and personal liability.

  • Chola Overseas Travel Protection Policy

    : Overseas travel insurance provides comprehensive coverage for medical expenses overseas, baggage loss and travel delays, and repatriations/evacuation to India, hijack and loss of travel documents/passport.

    • Senior Citizens within the age group of 61 to 70 can also be covered under a specific plan under this Policy.

  • Chola Student Travel Protection Plan

    : This comprehensive policy provides for expenses incurred for medical treatment, study interruptions and passport loss.

Benefits and Features

Chola MS ensures that you get complete peace of mind when you are away from home and travelling to a foreign land. We take care of all your requirements so that you can carry on with your trip safely and peacefully.

  • For international travel claims, your emergency assistance is just a call away, 24x7.
  • No medical procedures or health checkups are required for the policy.
  • Cashless hospitalization and claims.
  • Emergency medical expenses cover for expenses incurred due to illness or accidents during the course of the trip.
  • Evacuation to the home country, depending on the plan chosen.
  • Cover for expenses of repatriating the remains to India, in case of death of the insured overseas.
  • Compensation, if the aircraft is delayed for more than 12 hours from the original scheduled departure time.
  • Expenses incurred in obtaining a fresh passport.
  • Compensation for permanent loss of checked-in baggage.
  • In case of a financial emergency due to theft, pilferage or robbery, a fixed sum is paid as emergency assistance up to the limits specified under the policy.
  • Hijack distress allowance.

Chola Overseas Travel Protection Policy

A business trip or vacation should be hassle-free and memorable. This is exactly what Chola MS Short Term Travel Insurance aims to provide. Whether you are travelling for work, to visit family or friends or to let off steam with an exciting holiday, all you need to do is choose the Chola MS short term travel package and leave all your worries behind.

Why Choose Travel Insurance from Chola MS?

Pay for what you need and want with three different cover options:

  • Silver Cover: This is a simple, cost-effective plan.
  • Gold Cover: For those looking for comprehensive cover.
  • Senior Citizen Plan: Cover for people between the ages of 71 and 80 years.

Depending on the plan you choose, the benefits you gain include:

  • Door-to-Door Cover: We cover you from the time you leave your doorstep until you return home after a memorable trip for all eventualities that could occur in between. This also includes cover for travel to and from the airport.
  • Multi-Purpose Cover: For all types of trips, whether business or personal.
  • Family Member Cover: You can choose to protect all your family members, from children as young as three months of age to the elderly up to the age of 80 years under the Chola MS travel insurance policy. People up to the age of 65 do not require a medical check-up for this policy.
  • Senior Citizens Cover: The elderly, from the age of 71 to 80 years, are covered under this plan.
  • Pre-existing Conditions: As part of the cover for unforeseen emergencies, we offer cover for eventualities associated with a pre-existing health condition. This is a unique feature, offered by Chola MS Travel Insurance.
  • Pay only for what you need: With the option for a day-wise rate, you need to pay only for the exact duration of your travel, without having to spend money on a slab-based premium.

What does it cover

Although cover will vary depending on the plan you choose, here are some basic types of cover that you can expect:

  • Medical expenses: This covers any sudden expenditure that occurs as a result of an emergency medical situation during the overseas travel
  • Dental treatment: This is in addition to the medical expenses cover limit
  • Total loss of checked-in baggage: Compensation is offered in the event of permanent loss of all luggage while still in custody of the airline
  • Delay in checked-in baggage: Compensation is offered for expenses incurred by the policy holder to buy replacement items for essentials, such as toiletries, that might have been in the checked-in baggage that has been delayed by the airline
  • Loss of passport: Compensation for reasonable expenses arising out of the process of getting a duplicate passport
  • Loss of international driving license: If such a license is lost during the overseas travel, expenses related to the process of obtaining a duplicate license are covered
  • Personal accident cover: Permanent total disability and death during overseas travel are covered
  • Personal liability: Cover for legal liability incurred by the policy holder towards a third party, either in terms of injury or damage to property
  • Financial emergency: Compensation for the loss of insured funds, or robbery or theft during the overseas trip
  • Hospital daily cash: Compensation for expenses, based on the sum insured, for each day of hospitalization for the policy holder. The claim for this should be filed under the medical expenses cover.
  • Hijack relief: Cover offered via sum insured for each day that travel is disrupted as a result of the hijack of the aircraft for more than 12 hours
  • Trip curtailment or cancellation: Reimbursement for any non-refundable expenses that might be incurred if the trip is cut short or cancelled for a specified reason.
  • Trip delay: Reimbursement for the amount spent on meals and lodging arising out of a delay in travel of more than 12 hours, if such expenses are not covered by the airline
  • Personal accident domestic: Cover for permanent total disability or death during travel from the residence to the airport or from the airport to the residence within India.
  • Home burglary cover: Loss of or damage to contents of the policy holders home in India while the insured is traveling

What CAP does not cover

General exclusions under Chola Travel Insurance include

  • Any treatment that might be the key reason or one of the reasons for the overseas travel.
  • Any treatment that can be delayed, according to the attending doctor and the overseas administrator, till the policyholder returns to India.
  • War (including war that has not officially been declared), invasion, civil war, act of foreign enemies; insurrection, rebellion, mutiny or revolution; usurped power (military or otherwise), capture, seizure, restraint, arrest or detainment; nationalization, confiscation or requisition; or damage caused by or due to the order of any public local authority or government; and acts of terrorism, with the exception of Hijack Relief.
  • Any reckless, intentional or criminal activity, use or abuse of alcohol and/or drugs, or attempted suicide.
  • 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.
  • Losses caused by attempted or actual commission or participation by the policy holder in illegal activities or attempted or actual violation of the law, including resisting arrest.
  • HIV/AIDS and all concomitant health conditions.

Please refer to the policy wordings for details of complete coverage, exclusions, and terms and conditions.

* Conditions apply.