Cholamandalam Travel Insurance vs Care Travel Insurance

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Cholamandalam vs Care(Formerly Religare) Travel insurance

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Cholamandalam logo Cholamandalam logo Care logo Care logo
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Accident & Sickness Medical Expenses: ?
$50,000
Deductible: $100
$100,000
Deductible: $100
In-patient: $50,000

Out-patient: $50,000
Deductible: $100 / € 75
In-patient: $50,000

Out-patient: $50,000
Deductible: $100 / € 75
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
Personal Accident
- - $15,000 $15,000
AD & D Common Carrier
- - NA $5,000
Dental Treatment: ?
Up to $250
Deductible: $50
Up to $250
Deductible: $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
NA $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
$500
Deductible: 12 hrs
$500
Deductible: 12 hrs
Trip Cancellation & Interruption
NA Up to $500
Deductible: $50
$1,000 $1,000
Emergency Cash Advance: ?
- Up to $250 NA NA
Home Burglary Insurance: ?
Up to Rs.2,00,000 NA NA
Important Points
To find out the important points of Cholamandalam click here » To find out the important points of Cholamandalam click here » To find out the important points of Care click here » To find out the important points of Care click here »

Compare Bajaj Allianz vs Care Travel insurance

Unique Features of Cholamandalam

  • Cholamandalam MS General Insurance Company Limited is a Joint Venture between the Murugappa Group, Chennai and Mitsui Sumitomo Insurance Company Limited, Japan and the company is headquartered in Chennai.
  • 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 providecoverage for a duration of 180 days with an option for extension upto 360 days upto the age of 60 years. Duration above 70 years is for a maximum of 180 days.
  • Adventure sports covered (e.g. hot air ballooning/ bungee jumping / parasailing / paragliding.) subject to underwriting approval.
  • Cashless Outpatient bills(OPD) settlement of more than $400can be facilitated by the insurance company through their Assistance Partner abroad subject to prior information.
  • Cholamandalam Travel plans offer coverage is available for Pre existing conditions in Life threatening situations apart from One way Immigration travel covered upto 30 days.
  • 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. 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.
  • Door to Door cover”.i.e. Personal Accident coverage for the insured is in force from residence to international airport while going abroad & international airport to residence while returning home.
  • Global Protection with 24 /7 Assistance through their TPA partner Europ Assist.

Unique Features of Care

  • Care Health Insurance is a stand alone Health Insurance company which is relatively new to Travel Insurance, but is one of the fastest growing. They are promoted by Care Enterprises, a financial powerhouse, Union Bank and Corporation Bank.
  • Importantly, the insured age band starts from Day 1 (baby), which is the lowest in the industry. There is no upper age limitation under the Care travel plans. All plans offer Comprehensive coverage upto the age of 60 years and then Sickness Medical Expenses are with Sublimits.
  • They offer Region Specific plans to suit the traveller’s needs, specifically plans for Europe, Asia and African continent apart from Worldwide coverage plans.
  • Buy the policy for 180 days and you can renew the policy for another 180 days
  • Double Sum Insured in case of accident - 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.
  • Pre-existing covered upto 10% of Principal Sum Insured for Accident & Sickness Coverage, which is again the best in the industry.
  • Per day rates – Premium calculated for actual days of travel i.e. Slab rates not applicable – this ensures the traveller only pays premium for actual number of days they have travelled abroad.
  • E- Travel Insurance Card comes with every policy issued instantly. This helps the customer in case of any accident/ immediate reference in case of emergency.
  • All Care Travel Insurance Policies don't have per aliment limit capping.
  • 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.
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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.

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Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.


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Insurance Claims

In case of a claim or reimbursement of treatment expenses, notify by contacting them.


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Tips on air travel

Travel tips for Indian parents

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How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

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How does travel insurance work

How to use Indian visitor insurance in case of sudden sickness and accidents

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Healthcare cost overseas

Comparison of overseas Healthcare cost and popular tourist destinations

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Tips to find best travel insurance

Tips to find good and adequate international travel health insurance

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