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Chola-MS vs Care Travel Insurance

Chola-MS vs Care Travel Insurance

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Chola-MS vs Care Travel Insurance

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Chola-MS vs Care Travel Insurance

Silver $50,000 & $100,000 Sublimits? YES NO	Gold $50,000 $100,000 & $250,000 Sublimits? YES NO	Gold Plan $50,000, $100,000, $300,000, $500,000 Sublimits? YES NO	Platinum $50,000, $100,000, $300,000, $500,000 Sublimits? YES NO
*GST included
Accident & Sickness Medical Expenses: ^?
$50,000 Deductible: $100	$100,000 Deductible: $100	In-patient: Up to $50,000 Out-patient: Up to $50,000 Deductible: $100 / € 75	In-patient: Up to $50,000 Out-patient: Up to $50,000 Deductible: $100 / € 75
Medical Evacuation: ^?
Up to $50,000 Deductible: $100	Up to $100,000 Deductible: $100	$50,000	$50,000
Repatriation of Remains: ^?
$7,500	$7,500	$50,000	$50,000
Pre-existing Cover
NA	NA	10% of Sum Insured Deductible: $100 / € 75	10% of Sum Insured Deductible: $100 / € 75
AD & D Common Carrier
-	-	NA	$5,000
Dental Treatment: ^?
Up to $250Deductible: $50	Up to $250Deductible: $50	$300 Deductible: $100 / € 75	$300 Deductible: $100 / € 75
Personal Liability: ^?
Up to $100,000	Up to $100,000	$100,000 Deductible: $100 / € 75	$100,000 Deductible: $100 / € 75
Loss of Checked Baggage: ^?
Up to $500	Up to $500	$100	$100
Checked-in Baggage Delay
Up to $100 Deductible: 12 hours	Up to $100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours
Loss of PassPort: ^?
$150 Deductible: $30	$250 Deductible: $30	$300	$300
Hijack Distress Allowance
$100 per day up to Max. $700 Deductible: 12 hours	$100 per day up to Max. $700 Deductible: 12 hours	NA	NA
Daily allowance in case of hospitalization
-	$25 per day up to Max. $350	$25 per day, max 5 days Deductible: 2 days	$25 per day, max 5 days Deductible: 2 days
Trip Delay
NA	$10 per 12 hrs up to Max. $150 Deductible: 12 hrs	NA	NA
Trip Cancellation & Interruption
NA	Up to $500 Deductible: $50	$1,000	$1,000
Emergency Cash Advance: ^?
NA	Up to $250	NA	NA
Home Burglary Insurance: ^?
NA	Up to Rs.2,00,000	NA	NA


Standard Plan ($50,000)	Silver Plan ($100,000)	Gold Plan ($250,000)	Platinum Plan ($500,000)
*GST included
Accident & Sickness Medical Expenses: ^?
$50,000 Deductible: $50	$100,000 Deductible: $50	$250,000 Deductible: $50	$500,000 Deductible: $50
Medical Evacuation: ^?
Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses
Repatriation of Remains: ^?
Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses
Pre-existing Cover
Other than critical illness, declared pre-existing ailments are covered under life threatening situations.	Other than critical illness, declared pre-existing ailments are covered under life threatening situations.	Other than critical illness, declared pre-existing ailments are covered under life threatening situations.	Other than critical illness, declared pre-existing ailments are covered under life threatening situations.
Personal Accident
$15,000	$20,000	$25,000	$30,000
AD & D Common Carrier
$2,500	$2,500	$5,000	$5,000
Dental Treatment: ^?
$500 Deductible: $50	$500 Deductible: $50	$500 Deductible: $50	$500 Deductible: $50
Personal Liability: ^?
$50,000	$100,000	$200,000	$250,000
Loss of Checked Baggage: ^?
$500	$1,000	$1,200	$1,500
Checked-in Baggage Delay
$100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours
Loss of PassPort: ^?
$300 Deductible: $25	$300 Deductible: $25	$300 Deductible: $25	$300 Deductible: $25
Hijack Distress Allowance
NA	$50 per day up to Max.7 days Deductible: 12 hours	$75 per day up to Max. 7 days Deductible: 12 hours	$125 per day up to Max. 7 days Deductible: 12 hours
Daily allowance in case of hospitalization
NA	$25 per day up to Max. 5 days Deductible: 2 day	$25 per day up to Max. 6 days Deductible: 2 day	$25 per day up to Max. 7 days Deductible: 2 day
Trip Delay
NA	$25 per day up to Max. 6 days Deductible: 12 hrs	$50 per day up to Max. 6 days Deductible: 12 hrs	$60 per day up to Max. 6 days Deductible: 12 hrs
Trip Cancellation & Interruption
NA	$600	$600	$600
Emergency Cash Advance: ^?
NA	$300	$300	$300
Home Burglary Insurance: ^?
NA	1 Lakh	2 Lakhs	3 Lakhs

What are the Key features of Chola-MS vs Care Travel Insurance?

Key features of Cholamandalam’s Travel Insurance

Chola MS General Insurance Company Limited is a Joint Venture between the Murugappa Group from Chennai and Mitsui Sumitomo Insurance Company Limited, Japan, a leading Insurance player in Japan.
The company offers customised plans for Individuals between 6 months and 70 years, Senior Citizens between the ages of 71 and 80 years and a specific plan for Students between the age of 16 and 35 years going abroad to study.
They also offer a specific travel to Asian destinations which covers Australia & New Zealand but excludes Japan from coverage.
The Travel insurance plans provide coverage for a cumulative duration of 360 days upto the age of 60 years and for a maximum 180 days for travelers above 70 years.
The Annual Multi Trip plan has options to choose from 30 / 45 / 60 / 90 days for each trip, which is best in class in the market.
Premium rates are calculated on a per day daily basis – hence the insured ends up paying for the exact number of days of travel.
Personal Accident coverage in India is available – covers the insured during their journey to and from the International Airport to their residence.
Complete Global Protection with 24 /7 Assistance through their TPA partner Europ Assist ensuring Prompt claims settlement process including Cashless treatment for Inpatients.

Key features of Care Health’s Travel Insurance

Care Health Insurance is a Stand Alone Health Insurance (SAHI) company and amongst the leading Travel Insurers in India and is promoted primarily by Religare Enterprises.
Comprehensive coverage from 1 day without any upper age capping. Plans above 60 years have Medical Sublimits.
Offers Destination-specific Coverage Plans at an affordable premium. Including plans for Canada, Europe, Asia and African continent apart from Worldwide coverage plans.
Double Sum Insured in case of Accident Medical Expenses - Customer buying USD $50,000 cover will have coverage of USD $50,000 for any Sickness related treatment and upto USD $100,000 in case claim arising due to accident.
Insures Pre-existing Diseases which offers cover amidst life-threatening conditions arising due to pre-existing diseases. Coverage upto 10% of Principal Sum Insured for Accident & Sickness Coverage, upto maximum of $10,000.
Offers Unique covers like “Refund of Visa Fees”, and “Adventure Sports”, “Loan Protector” and “Cover for Sports Equipment”
Customer can Upgrade their return tickers to Business class travel in case of they are returning within 20 days of discharge from the hospital
Treatment in home country covered upto 30 days if the customer returns to India as per Doctor’s advice / recommendation post hospitalization abroad. This expense will be covered under the Accident & Sickness limit.
Global Assistance is provided through Falck Assistance, one of the Global leaders in Travel & Claims Assistance. They offer Toll Free numbers for the insured traveller to contact them.

How much does a Chola-MS vs Care Overseas travel medical cost per month (30 days)?

The Chola-MS vs Care Overseas travel medical insurance cost per month (30 days) starts at just ₹1,505 for coverage Worldwide Including USA & Canada. Chola-MS vs Care Overseas travel medical insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Chola-MS vs Care Overseas travel medical plan variants.

Plan Name (Sum Insured)	Insurer	0-40 years	41-60 years	61-70 years
Explore Silver ($50,000) With Sublimits	Care Health	₹1,505	₹2,225	₹5,155
Explore Gold ($50,000) With Sublimits	Care Health	₹1,740	₹2,600	₹5,550

Explore Platinum ($50,000) Without Sublimits	Care Health	₹1,894	₹2,686	₹6,040
Comprehensive Travel Plus ($50,000) Without Sublimits	Cholamandalam	₹1,207	₹2,457	₹5,255

Explore Silver ($100,000) With Sublimits	Care Health	₹1,854	₹2,698	₹6,391
Explore Gold ($100,000) With Sublimits	Care Health	₹2,063	₹3,072	₹6,788
Explore Platinum ($100,000) Without Sublimits	Care Health	₹2,174	₹3,157	₹7,309
Comprehensive Travel Plus ($100,000) Without Sublimits	Cholamandalam	₹1,444	₹3,050	₹66,47

Explore Silver ($200,000) With Sublimits	Care Health	₹2,285	₹2,991	-
Explore Gold ($200,000) With Sublimits	Care Health	₹2,458	₹3,330	₹7,611
Comprehensive Travel Plus ($250,000) Without Sublimits	Cholamandalam	₹1,798	₹3,940	₹8,736

Explore Silver ($300,000) With Sublimits	Care Health	₹2,820	₹3,881	-
Explore Gold ($300,000) With Sublimits	Care Health	₹2,873	₹4,346	₹9,025
Comprehensive Travel Plus ($350,000) Without Sublimits	Cholamandalam	₹2,036	₹4,534	₹10,129

Explore Gold ($500,000) With Sublimits	Care Health	₹3,594	₹4,762	₹11,286
Explore Platinum ($500,000) Without Sublimits	Care Health	₹4,160	₹5,298	-
Comprehensive Travel Plus ($500,000) Without Sublimits	Cholamandalam	₹2,192	₹4,930	₹11,057

Plan Name (Sum Insred)	Insurer	71-75 years	76-80 years	81-85 years	86-90 years
Explore Silver ($50,000) With Sublimits	Care Health	₹17,049		₹25,444
Explore Gold ($50,000) With Sublimits	Care Health	₹17,586		₹25,838
Explore Platinum ($50,000) Without Sublimits	Care Health	₹19,403		29,905
Comprehensive Travel Plus ($50,000) With Sublimits	Cholamandalam	₹11,111

Plan Name (Sum Insred)	Insurer	71-80 years
Explore Silver ($100,000) With Sublimits	Care Health	₹20,567
Explore Gold ($100,000) With Sublimits	Care Health	₹21,089
Explore Platinum ($100,000) Without Sublimits	Care Health	₹23,225
Comprehensive Travel Plus ($100,000) With Sublimits	Cholamandalam	₹14,178

Plan Name (Sum Insred)	Insurer	71-85 years
Comprehensive Travel Plus ($250,000) With Sublimits	Cholamandalam	₹18,776
Comprehensive Travel Plus ($350,000) With Sublimits	Cholamandalam	₹21,843
Comprehensive Travel Plus ($500,000) With Sublimits	Cholamandalam	₹23,887

Which Is Cheaper for 30-Day Travel Insurance: Chola-MS vs Care?

The Chola-MS vs Care travel insurance price starts at ₹936 per month for 25 years old traveler, covering Worldwide Excluding USA /Canada, based on type of plan and policy maximum coverage.

Plan Name (Sum Insured)	Insurer	0-40 years	41-60 years	61-70 years
Explore Silver ($50,000) With Sublimits	Care Health	₹936	₹1,255	₹2,823
Explore Gold ($50,000) With Sublimits	Care Health	₹1,170	₹1,593	₹3,185

Explore Platinum ($50,000) Without Sublimits	Care Health	₹1,415	₹1,875	₹3,839
Comprehensive Travel Plus ($50,000) Without Sublimits	Cholamandalam	₹932	₹1,764	₹3,630

Explore Silver ($100,000) With Sublimits	Care Health	₹1,108	₹1,504	₹3,454
Explore Gold ($100,000) With Sublimits	Care Health	₹1,318	₹1,842	₹3,816
Explore Platinum ($100,000) Without Sublimits	Care Health	₹1,575	₹2,144	₹4,565
Comprehensive Travel Plus ($100,000) Without Sublimits	Cholamandalam	₹1,089	₹2,161	₹4,558

Explore Silver ($200,000) With Sublimits	Care Health	₹1,323	₹2,080	-
Explore Gold ($200,000) With Sublimits	Care Health	₹1,503	₹2,467	₹4,620
Comprehensive Travel Plus ($250,000) Without Sublimits	Cholamandalam	₹1,326	₹2,754	₹5,951

Explore Silver ($300,000) With Sublimits	Care Health	₹1,688	₹2,827	-
Explore Gold ($300,000) With Sublimits	Care Health	₹1,974	₹3,092	₹5,429
Comprehensive Travel Plus ($350,000) Without Sublimits	Cholamandalam	₹1,483	₹3,149	₹6,879

Explore Gold ($500,000) With Sublimits	Care Health	₹2,663	₹3,572	₹6,720
Explore Platinum ($500,000) Without Sublimits	Care Health	₹3,268	₹3,879	-
Comprehensive Travel Plus ($500,000) Without Sublimits	Cholamandalam	₹1,588	₹3,413	₹7,498

Plan Name (Sum Insred)	Insurer	71-75 years	76-80 years	81-85 years	86-90 years
Explore Silver ($50,000) With Sublimits	Care Health	₹4,354		₹9,878
Explore Gold ($50,000) With Sublimits	Care Health	₹4,724		₹10,263
Explore Platinum ($50,000) Without Sublimits	Care Health	₹5,612		11,990
Comprehensive Travel Plus ($50,000) With Sublimits	Cholamandalam	₹7,534

Plan Name (Sum Insred)	Insurer	71-80 years
Explore Silver ($100,000) With Sublimits	Care Health	₹5,356
Explore Gold ($100,000) With Sublimits	Care Health	₹5,726
Explore Platinum ($100,000) Without Sublimits	Care Health	₹6,765
Comprehensive Travel Plus ($100,000) With Sublimits	Cholamandalam	₹9,578

Plan Name (Sum Insred)	Insurer	71-85 years
Comprehensive Travel Plus ($250,000) With Sublimits	Cholamandalam	₹12,645
Comprehensive Travel Plus ($350,000) With Sublimits	Cholamandalam	₹14,689
Comprehensive Travel Plus ($500,000) With Sublimits	Cholamandalam	₹16,062

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Senior Citizen 15000	Senior Citizen 50000 Sublimits? YES NO
*GST included
Policy Maximum
$15,000 Deductible: $100	$50,000 Deductible: $100
Accident & Sickness Medical Expenses: ^?
$15,000 Deductible: $100	$50,000 Deductible: $100
Medical Evacuation: ^?
Included under Medical Expenses	Included under Medical Expenses
Repatriation of Remains: ^?
$7,000 (Included under Medical Expenses)	$7,000 (Included under Medical Expenses)
Pre-existing Cover
Does not cover for pre-existing disesases	Does not cover for pre-existing disesases
Accidental Death & Dismemberment: ^?
$15,000	$15,000
Dental Treatment: ^?
$200 Deductible: $50	$200 Deductible: $50
Personal Liability: ^?
$15,000	$15,000
Loss of Checked Baggage: ^?
$500	$500
Checked in Baggage Delay
Loss of PassPort: ^?
$150 Deductible: $25	$150 Deductible: $25
Important Points
To find out the important points of Careclick here »	To find out the important points of Careclick here »
Sublimits
To find out the sublimits of Care click here »	To find out the sublimits of Care click here »