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Cholamandalam Travel Insurance, Chola travel insurance

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While you are visiting a foreign country purchase this insurance to get reliable health insurance coverage. Chola travel insurance policies provide coverage for a wide range of risks that a traveler might encounter while abroad.
Cholamandalam MS General Insurance Company Limited is a Joint Venture between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan. Headquartered in Chennai, Chola MS offers a wide range of insurance products that includes Accident, Engineering, Health, Liability, Marine, Motor, Property, Travel and Rural insurance for individuals and corporates. Chola MS champions a brand philosophy called T3, which stands for Trust, Transparency and Technology. It has also been consistently recognised and awarded by the Government of India, international entities and ratings agencies for its insurance service and delivery innovations. The company has 109 branches and over 9000 agents across the country.

Its parents are illustrious in their respective fields. Founded in 1900, the INR 300 Billion Murugappa Group is one of India's leading business conglomerates in South India. The Group has 28 businesses including Carborundum Universal Ltd., Cholamandalam Investment and Finance Company Ltd., Coromandel International Ltd., E.I.D. Parry (India) Ltd., Parry Agro Industries Ltd., and Tube Investments of India Ltd., among others. Mitsui Sumitomo Insurance is one of the core operating companies within the MS&AD Insurance Group. MSI carries out its international business through an overseas network of 42 countries and regions. Making full use of over 90 years' experience in international business, MSI provides products and services to alleviate the wide variety of risks occurring throughout the world.

Although Chola MS has been a late entrant into the Travel Insurance segment, they have been able to quickly establish themselves as a serious player South India in Travel Insurance with innovative products and customised service.

Why should an Insured avail a Cholamandalam Travel Insurance Plan?

Apart from being one of the larger General Insurance companies in South India, Chola MS also is a secure option for the India travellers because:
  • Flexible range for Plan options from $50,000 to $250,000 Accident & Sickness Medical Expense Sum insured
  • Complete Global Protection with 24 /7 Assistance through their TPA partner Europ Assist.
  • No medical tests required before purchasing the plan
  • Customised plans for Senior Citizens, Students and for travel to Asian destinations.
  • Prompt claims settlement process including Cashless treatment for Inpatients
  • Regardless of whether you are on business or leisure trip, Chola MS offers a great Travel Insurance policy provides a complete protection against loss incurred during the trip both medical and non medical.
Chola MS offers comprehensive Travel Insurance solutions under the following categories:
A. Chola Travel Protection – Single Trip B. Chola Travel Protection – Annual Multi Trip C. Chola Travel Protection – Senior Citizen Plan D. Chola Student Travel Protection Plan

Some Salient Features of the Chola MS Travel Plans include:
  • Provides coverage for 180 days with an option for renewal for additional 180 days upto the age of 60 years
  • Coverage is available for Pre existing conditions in Life threatening situations
  • One way Immigration travel covered upto 30 days
  • Asia Plan also covers Australia & New Zealand apart from Asian countries. Only Japan is excluded from coverage.
  • The Annual Multi Trip plan has options to choose from 30 / 45 / 60 / 90 days for each trip. The policy will however be for 1 year.
  • 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.
  • Global Protection with 24 /7 Assistance through their TPA partner Europ Assist.
  • Coverage for Adventure Sports can be provided subject to underwriter’s approval.
  • The policy may be cancelled for any reason prior to commencement of the insured journey and the traveller will be eligible for a full refund.

Chola MS Age Criteria for Travel Plans

Plans Insured’s Age Criteria
Individual, Annual Multi trip plans Minimum entry age is 6 months. Maximum entry age is 70 years at the commencement date of the Policy.
Senior Citizen Plan This is for insureds between the ages of 71 – 80 years.
Student Plan Coverage is offered for students between the ages of 17 – 35 years traveling on a Student Visa.

A. Chola Travel Protection – Single Trip

Comprehensive Travel

Chola Comprehensive Travel Insurance Policy offers you wide range of insurance protection at an affordable cost.
The comprehensive travel insurance policy by chola provides 3 plans
  • Travel Plus
  • Travel Pleasure
  • Travel Delight
Comprehensive Travel Insurance Policy can be availed for self, spouse and parents from the age of 18 to 65 years and for children from 03 months to 26 years.

S.No. Benefits Travel Plus Travel Pleasure Travel Delight Deductibles
1. Overseas Medical Expenses (including Repatriation of Mortal Remains — USD 7500, Medical Evacuation/Transportation) $50,000
$1,00,000
$2,50,000
$3,50,000
$5,00,000
$50,000
$1,00,000
$2,50,000
$3,50,000
$5,00,000
$50,000
$1,00,000
$2,50,000
$3,50,000
$5,00,000
$100
2. Dental Treatment
Expenses
$200 $300 $500 $50
3. Total loss of
Checked-In-Baggage
and Hand Baggage
$250 and $50 $500 and $50 $1,500 and $50 Nil
4. Delay of
Checked-In-Baggage
$150 $200 $300 12 hours
5. Loss of Passport $150 $250 $300 $30
6. Personal Accident
– Overseas
$15,000 $23,000 $38,000 Nil
7. Personal Liability $50,000 $100,000 $100,000 $100
8. Financial Emergency $200 $250 $500 Nil
9. Loss of International
Driving License
$100 $100 $100 $25
10. Home Burglary Not Applicable INR
1,00,000
INR
2,00,000
5% of SI for Home Burglary
11. Trip Cancellation Not Applicable $500 $1,500 $50
12. Trip Curtailment Not Applicable $200 $1,000 $50
13. Trip Delay Not Applicable $120 (10/12 hrs) $120 (10/12 hrs) 12 hours
14. Missed Flight
Connection
Not Applicable $200 $500 3 hours
15. Emergency Telephone
Charges
Not Applicable $100 $300 Nil
16. Compassionate Visit Not Applicable $1,250 $1,500 5 days
17. Return of
Minor Children
Not Applicable Not applicable $2,000 5 days
18. Rental Car
Excess Cover
Not Applicable Not applicable $2,000 $100
19. Adventurous
Activities Cover
Not Applicable Not applicable $5,000 24 hours
20. Rehabilitation
Services
Not Applicable Not applicable $500 $50
21. Pediatric Services Not Applicable Not applicable $40 Nil
22. Hospital Daily Cash** $150 ($15/day max 10 days) $250 ($25/day max 10 days) $400 ($40/day max 10 days) 24 hours
23. Hijack Relief** $350 ($50/day max 7 days) $350 ($50/ day max 7 days) $700 ($70/day max 10 days) Nil
24. Ambulatory Care Services** upto 5% of the Sum Insured Applicable for Overseas Medical Expenses upto 5% of the Sum Insured Applicable for Overseas Medical Expenses upto 5% of the Sum Insured Applicable for Overseas Medical Expenses $100
25. Bounced Booking of Hotel** $1500 $1500 $1500 Nil
26. Personal Accident – Domestic***
Accident Medical Expenses***
Repatriation of Mortal Remains***
INR 10,00,000
INR 1,00,000
INR 10,000
INR 15,00,000
INR 1,50,000
INR 10,000
INR 25,00,000
INR 2,50,000
INR 10,000
Nil

SI Sum Insured

$ in the above table refers to USD.

** Optional Covers (Overseas) (Sum Insured & Deductible in US $)

*** Optional Domestic Covers (Sum Insured in INR)

Leisure Travel

Chola Travel Protect offers two variants under their International Travel Insurance Plan for Single trips namely Silver and Gold and each of these variants offer two options of Sum Insured for Accident & Sickness expenses. Under the Silver Plan, the two options are for $50,000 and $100,000 while the Gold Plan has Sum insureds of $100,000 and $250,000. The other benefits under the plan include Dental Treatment, Repatriation of Remains, Baggage Loss & Delay, Passport Loss, Personal Liability, Trip Cancellation and Curtailment etc.
Silver Gold Deductible
Medical Cover
(Emergency evacuation included)
$ 50,000 / $ 100,000 $100,000 / $ 250,000 $ 100
Repatriation of Remains
(within the overall medical limit)
$ 7500 $ 7500 N/A
Dental Treatment
$ 250 $ 250 $ 50
Checked Baggage Loss
$ 250 $ 1000 ($ 500 for Med SI 100K) N/A
Checked Baggage Delay
$ 100 $ 100 12 Hrs
Passport Loss
$ 150 $ 250 $ 30
Personal Accident-Overseas
$ 10,000 $ 25,000 ( $ 10,000 for Med SI 100k ) N/A
Personal Accident - Domestic
INR 100,000 INR 250,000 N/A
Personal Liability
$ 100,000 $ 100,000 N/A
Hijack Relief Benefit
( $100 / day: max 7 days)
$ 700 $ 700 12 Hrs
Hospital Daily Cash
( $ 25 / day; max 14 days )
N/A $ 350 N/A
Financial Emergency
N/A $ 250 N/A
Trip Cancellation
N/A $500 $50
Trip Curtailment
N/A $500 $50
Trip Delay
(10 per 12 hrs; max $ 150)
N/A $ 150 12Hrs
International Driving License Loss
N/A $ 100 $ 25
Home Burglary
(Contents First Loss Basis)
N/A INR 200,000 INR 250

B. Chola Travel Protection – Annual Multi Trip

Chola MS also offers comprehensive coverage for frequent travellers under their Annual Multi Trip option. This policy is suitable for travellers who travel abroad atleast 2-3 time a year on business or leisure. While the policy itself is issued for 1 year, the plan has options of 30 / 45 / 60 / 90 days for each single trip depending on their travel plans. The plan itself comes with two Sum insured variants for Accident & Sickness Medical expenses of $100,000 and $250,000. Apart from Medical Expenses the policy also covers Dental Expenses, Personal Accident both in India and Overseas, Checked In Baggage Loss and Delay, Passport and International Driving License Loss, Trip Cancellation and Curtailment, Trip Delay and Personal Liability.
Annual Multi-Trip - 100K Plan Annual Multi-Trip - 250K Plan Deductible
Medical Cover
$100,000 $250,000 $ 100
Repatriation of Remains
(within the overall medical limit)
$ 7500 $ 7500 N/A
Dental Treatment
$ 250 $ 250 $ 50
Checked Baggage Loss
$ 1000 $ 500 N/A
Checked Baggage Delay
$ 100 $ 100 12 Hrs
Passport Loss
$ 250 $ 250 $ 30
Personal Accident-Overseas
$ 10,000 $ 25,000 N/A
Personal Liability
$ 100,000 $ 100,000 N/A
Hijack Relief Benefit
( $100 / day: max 7 days)
$ 700 $ 700 12 Hrs
Hospital Daily Cash
( $ 25 / day; max 14 days )
$ 350 $ 350 N/A
Financial Emergency
$ 250 $ 250 N/A
Trip Cancellation
$500 $500 $50
Trip Curtailment
$500 $500 $50
Trip Delay
(10 per 12 hrs; max $ 150)
$ 150 $ 150 12Hrs
International Driving License Loss
$ 100 $ 100 $ 25

C. Chola Travel Protection – Senior Citizen Plan

For Senior Citizens between the ages of 71 – 80 years, Chola has a specific Senior Citizen plan under their umbrella Travel product. This comes with benefits like Accident & Sickness Expenses, Repatriation of Remains, Dental Expenses, Passport Loss, Baggage Loss and Delay, Personal Accident in India (coverage during the insured’s travel between the their residence and the International Airport), Hijack benefit and Daily Hospital Cash (during the insured’s admission in hospital).
Platinum Deductibles
Medical Cover
$ 50,000 $ 100
Repatriation of Remains (within the overall medical limit)
$ 7500 N/A
Dental Treatment
$ 250 $ 50
Checked Baggage Loss
$ 250 N/A
Checked Baggage Delay
$ 100 12 Hrs
Passport Loss
$ 150 $ 30
Personal Accident - Domestic
INR 100,000 N/A
Hijack Relief Benefit
( $100 / day: max 7 days)
$ 700 12 Hrs
*For the Senior Citizen plan, for persons within the age group 71-75 years, the maximum eligible medical expenses per sickness, disease or accident sustained or contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses and / or hospitalization expenses are restricted to USD $12,500 irrespective of the plan / option purchased. The Insurer's liability for Medical Expenses incurred on any accident will be restricted to USD $25,000 as a sub limit of the Limit of Indemnity under the Medical Expenses Cover. These limits are further restricted to the maximum sum insured specified in the schedule.

For the Senior Citizen plan, for persons within the age group 76-80 years, the maximum eligible medical expenses per sickness, disease or accident sustained or contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses and / or hospitalization expenses are restricted to USD $10,000 irrespective of the plan / option purchased. The Insurer's liability for Medical Expenses incurred on any accident will be restricted to USD $25,000 as a sub limit of the Limit of Indemnity under the Medical Expenses Cover. These limits are further restricted to the maximum sum insured specified in the schedule.

Coverage Description for benefits under the Chola Travel Protect Plans include:

Medical expenses
This covers any sudden expenditure incurred as a result of a covered Accident or Sickness that occurs to the insured as a result of an emergency medical situation during the overseas travel.

Dental treatment
This is for treatment to sound teeth in addition to the medical expenses cover limit.

Loss of checked-in baggage
Compensation is offered in the event of permanent loss of all luggage while still in custody of the airline / common carrier.

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 beyond a period of 12 hours.

Loss of passport / International Driving License
Compensation is provided under the policy for reasonable expenses arising out of the process of getting a duplicate passport / international driving license whilst still abroad.

Personal accident cover (Domestic & Overseas)
This coverage is for both Permanent Total Disability and Death as a result of an unfortunate accident during the insured’s overseas travel. Under the Domestic section of this coverage, the insured is also covered during their journey to and from the International Airport to their residence in India.

Personal liability
Cover for legal liability incurred by the policy holder towards a third party, either in terms of injury or damage to property due to any inadvertent reason.

Financial emergency
Under the policy, compensation is available to the insured for the loss of insured funds due to robbery or theft during the overseas trip.

Hospital daily cash
Compensation for expenses over and above the Accident & Sickness cover is provided if the insured is hospitalised. This is provided for any incidental expenses that the insured might incur and is reimbursed for each day of hospitalization. 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 Cancellation / Curtailment
Reimbursement is provided to the insured for any non-refundable expenses related to travel tickets, hotel and tour bookings that might be incurred if the trip is cut short or cancelled for a covered reason. While Trip Cancellation is for cancellation of onward journey, the Trip Curtailment is for cancellation of the return leg post commencement of the trip.

Trip delay
Insured can claim reimbursement for the amount spent on meals and lodging arising out of a delay in travel of more than 12 hours of the airline, if such expenses are not covered by the airline.

Home burglary cover
Loss of or damage to contents of the policy holders home in India while the insured is traveling abroad. This is provided for Contents lost due to a first on a First loss basis.

General Exclusions under the Chola MS Travel Protect Plans:
Some of the key general exclusions are listed below, please refer to the entire list available along with your policy document.
  • any treatment if that is the sole reason or one of the reasons for the travel Overseas
  • any treatment which could in the opinion of the Overseas Administrator and attending Doctor be or have been delayed until the Insured Person's return to India
  • treatment by relatives under any circumstances
  • War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority or terrorism or terrorist acts. However, for the scope of the Hijack Relief only, terrorism exclusion shall stand excluded from the General Exclusions category
  • Any intentional, reckless or criminal act, suicide, or attempted suicide, or the use or abuse of any drugs, alcohol and the like
  • Ionising radiation or contamination by radioactivity from any nuclear waste from combustion of nuclear fuel; or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof, or asbestosis or any related condition resulting from the existence, production, handling, processing, manufacture, sale, distribution, deposit or use of asbestos, or asbestos products
  • Participation in naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy whether foreign or domestic;
  • any loss of which a contributing cause was the Insured Person's actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or resistance to arrest
  • HIV, AIDS and all related medical conditions.
  • Any condition after the point at which it is certified by the attending Doctor to be of such a nature that further medical treatment may serve to stabilise or maintain it but is unlikely to result in a material improvement within a reasonable timeframe.
  • Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semi- professional sportspersons, unless declared beforehand and necessary applicable premium paid

Travel Assistance and Claims Support:

The claim service under Chola MS Overseas Travel Protection Policy is provided by Europ Assistance India Pvt. Ltd., who is a pioneer in Emergency Services with worldwide access and 24*7 service capabilities. Europ Assistance India Pvt. Ltd which is located in Mumbai, is equipped with world class technology and a team of dedicated professionals with long-standing experience in assistance. They leverage well established processes, quality standards and best practices of the Worldwide Europ Assistance Group to deliver high quality services and world class customer care.

Easy Claims:
  • In case of claims, it is mandatory to first contact Europ Assistance (EA) and seek their prior authorisation before incurring any expenses. You can contact them any time on the 24*7 Helpline provided in the Policy wordings and Schedule.
  • Upon successful validation and checks, EA will provide authorisation to the hospital for direct settlement of the bills, so there is no need for you to worry about paying in cash.
  • For non-cashless claims, give all the details to Europ Assistance and register the claim. Upon successful validation checks, the claims administrator will advice you on the checklist of documents to be submitted.
Claims Assistance (Europ Assistance India Pvt. Ltd.) – Contact Numbers (24 hours) Country Toll free Number
Argentina, Austria, Belgium, China, Czech Republic, Denmark, France, Germany, Hungary, Italy, Malaysia, Netherlands, New Zealand, Norway, Philippines, Poland, Portugal, South Africa, Spain, Sweden, Switzerland, Taiwan, United Kingdom 00 + 800 9944 1234
Singapore, Thailand 001 + 800 9944 1234
Japan 001 / 010 + 800 9944 1234
Hong Kong 001 / 006 + 800 9944 1234
Australia 0011 + 800 9944 1234
Canada 011 + 800 9944 1234
Israel 00 / 014 + 800 9944 1234
USA 18337426674
Greece 86002038018

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