Cholamandalam Travel Insurance

• 1. Chola Overseas Travel Protection Plan

  The Chola Overseas Travel Protection policy covers different kinds of travellers against any emergencies faced during their trip. It provides coverage for single trips as well as annual multi-trips but can be purchased by individuals only. The plan is available for a minimum trip duration of 30 days to a maximum of 180 days.

  The Chola Overseas Travel Protection policy comes with four different plan options:

  • Silver
  • Gold
  • Senior Citizen Plan
  • Annual Multi-Trip Plan

  Chola Overseas Travel Protection plans provide coverage for unexpected medical expenditure,  dental treatment, permanent loss of check-in luggage, delay in check-in luggage, loss of passport, personal accident, legal liability, financial emergency assistance, etc.

  The coverage benefits, however, are subject to the plan opted by the customer/traveller as per the table given below:

  Covers	Silver	Gold	Annual Multi Trip	Senior Citizen*	Deductibles
  Medical Treatment	$50,000 $100,000	$100,000/ $250,000	$100,000/ $250,000	$50,000	$100
  Repatriation of Remains (within the overall medical  limit)	$7500	$7500	$7500	$7500	Nil
  Dental Treatment	$250	$250	$250	$250	$50
  Checked Baggage Loss	$250	$1000 ($500 for Med SI 100k)	$1000 ($500 for Med SI 100k)	$250	Nil
  Checked Baggage Delay	$100	$100	$100	$100	12 hours
  Passport Loss	$150	$250	$250	$150	$30
  Personal Liability	$100,000	$100,000	$100,000	Nil	Nil
  Personal Accident - Overseas	$10,000	$25,000 ($10,000 for Med SI 100k)	$25,000 ($10,000 for Med SI 100k)	Nil	Nil
  Personal Accident -Domestic	INR 100,000	INR 250,000	Nil	INR 100,000	Nil
  Hijack Relief Benefit ($100/day: max 7 days)	$700	$700	$700	$700	12 hours
  Financial Emergency	Nil	$250	$250	Nil	Nil
  Trip Cancellation	Nil	$500	$500	Nil	$50
  Trip Curtailment	Nil	$500	$500	Nil	$50
  Trip Delay ($10 per 12 hours max $150)	Nil	$150	$150	Nil	12 hours
  International Driving License Loss	Nil	$100	$100	Nil	$25
  Home Burglary (Contents First Loss Basis)	Nil	INR 200,000	Nil	Nil	INR 2500

• 2. Chola Student Travel Protection Plan

  The Chola Student Travel Protection policy is an all-inclusive plan specially designed for those who are going abroad for studies. It does not require any pre-policy medical check-up and offers coverage for up to 1 year. The plan is available in three types:

  • Silver
  • Gold
  • Platinum

  The Chola Student Travel Protection plan provides a student travelling abroad with coverage, including bail bond, study interruption, sponsor protection, medical cover, passport loss, personal accident, personal liability, etc. 

  It also offers special medical extension coverage under the platinum plan that includes medical expenses for inter-college sports injuries, treatment of mental/ nervous disorders including alcoholism/drug dependency, in-patient medical expenses related to pregnancy, cancer screening & mammographic examinations and even childcare benefits for up to 7 days.

• 3. Chola MS Corporate Travel Insurance

  The Chola MS Corporate Travel Insurance is an annual multi-trip travel insurance plan designed for corporates and frequent flyers travelling worldwide. I

  t offers complete equanimity to corporate customers as they do not need to enrol for multiple policies each time while travelling. The policy comes with a minimum validity of 250 days for business travellers and 365 days for a single trip.

  The Chola MS Corporate Travel Insurance plan provides coverage for the following:

  • Emergency medical expenses
  • Dental treatment
  • Total loss of checked-in baggage
  • Delay in checked-in baggage
  • Loss of passport
  • Loss ofinternational driving license
  • Personal accident
  • Personal liability
  • Financial emergency
  • Hijack relief
  • Trip cancellation& curtailment
  • Trip delay

• 4. Chola Comprehensive Travel Insurance Policy

  The Chola Comprehensive Travel Insurance policy provides complete coverage against medical-related or trip-related adversities faced during the trip. It offers coverage for single trips and an annual multi-trip for 180 days and 365 days respectively. 

  The Cholamandalam Comprehensive Travel Insurance policy comes in three plan variants:

  l Travel Plus

  l Travel Pleasure

  l Travel Delight

  The policy covers the insured travellers against adversities, such as medical expenses, trip cancellation, loss of passport, personal accident, trip delay, loss of international driving license, home burglary, check-in baggage, etc.

• 5. Chola Subh Yatra Insurance Policy

  The Chola Subh Yatra Insurance policy covers the insured against unforeseen events faced while travelling abroad that can lead to a financial loss. It is available for a trip duration of 30 days and 60 days. The policy provides coverage for medical expenses, personal accident, repatriation of mortal remains and loss of passport.

Chola MS Travel Insurance - FAQs

• Q1. How can I pay my Cholamandalam travel insurance premium? What are the various modes of payment available?

  Ans: You can pay your Cholamandalam travel insurance premium in the following ways:

  • Direct Bank Debit (Auto Debit): You can avail the auto-debit facilitywhere the premium amount will be directly transferred to the Chola MS General Insurance Company’s bank account.
  • Online Payment: You can pay your premium online by using your debit/credit card on the e-portal
  • Offline Card Payment: You can also pay the premium with the help of your debit or credit card offline.

• Q2.Do I need to undergo a pre-policy check-up before buying a Cholamandalam travel insurance policy?

  Ans: Prospective travellers aged above 60 years and 65 years must undertake a pre-policy check-up before buying an annual multi-trip or single trip policy respectively.

• Q3. What is the Cholamandalam travel insurance policy renewal process?

  Ans: Online or mobile registered users can directly renew their Cholamandalam travel insurance policy on the go. However, others can also call on the toll-free number and request a policy renewal. In case you want to renew your travel insurance policy online, follow the procedure given below:

  Step 1: Visit the website of Policybazaar Insurance Broker Private Limited and sign in to your account

  Step 2: Select the policy to be renewed and review its details

  Step 3: Choose the online mode of payment to pay the premium amount

  Step 4: Your Cholamandalam travel insurance policy will be renewed.

• Q4. In how much time will a Cholamandalam Travel Insurance claim get settled?

  Ans: Chola MS General Insurance Company ensures that all travel insurance claims are settled within a period of 30 days from the receipt of the claim form and other essential documents from the insured. In case of delay, the Company will pay an interest at 2% above the prevailing bank rate. 

• Q5. What is the cancellation process for a Cholamandalam Travel Insurance policy?

  Ans: To cancel your Cholamandalam travel insurance policy, you need to call the customer helpline number or send an email to the insurance provider. You can also walk into any of the nearest branch offices of the insurer in your city with your policy documents and a duly filled surrender form. The premium refund will be made upon deducting the applicable charges. 

• Q6. Are there any discounts available under the Cholamandalam travel insurance policy?

  Ans: Yes, there are multiple discounts that you can avail while buying a travel insurance policy. Take a look:

  • Family Discount - It offers 5% to 10% savings on premium if the insurer includes threeor more family members under the same policy.
  • Direct Discount - It offers 15% savings on premium if the policy is purchased online.
  • Exchange Rate Fluctuation Discount - It offers 5% to 25% savings on premium depending on the fluctuation in the exchange rate of US dollars in Indian rupees. 

• Q7. Are pre-existing diseases covered under the Cholamandalan Travel Insurance policy?

  Ans: No. The Cholamandalam travel insurance policy does not cover pre-existing diseases unless under unforeseen life-threatening situations.