Cholamandalam Travel Insurance
Cholamandalam Travel Insurance provides financial coverage against unforeseen adversities that are likely to spoil even a well-planned trip. It is designed to cover the travel needs of different kinds of travellers while travelling by the Chola MS General Insurance Company Limited.
Best Travel Insurance policies designed for all your needs.
Plans include global Covid-19 coverage
- Accidental & sickness expenses
- Baggage Delay / Loss
- Trip Delay / Cancellation
- Passport Loss
- Emergency Medical Evacuation
- Missed flights
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Why Buy Cholamandalam Travel Insurance?
Nowadays, almost every person spends a considerable amount on travelling. The reason could be different, such as personal leisure or professional requirement or education, but the fact remains that we all travel often.
This exposes us to a higher probability of experiencing any misfortune while travelling. In such a scenario, not only does the joy of travelling diminishes but being alone in an unknown place can be a daunting feeling. To deal with such situations, Travel Insurance Plans are designed to safeguard a traveller from suffering any losses in case unforeseen events lead to spoiling of the trip.
Cholamandalam travel insurance plans are highly customized protection plans that provide coverage for health expenses as well as trip-related expenses, such as trip delays, trip interruptions, trip cancellations, etc. It also covers flight-related expenses, such as check-in baggage loss, flight hijack, etc.
Features of Cholamandalam Travel Insurance
The Cholamandalam Travel Insurance plans come with the following key features:
- Worldwide Coverage - It covers an insured traveller across the globe no matter whichcountry he/she is travelling to.
- Round the Clock Claim Assistance - It comes with a24x7 dedicated help desk for international travel claims and emergency assistance.
- Cashless Hospitalization Facility- It comes with a vast network of hospitals that offer cashless hospitalization facility to the insured traveller.
- Coverage for Travellersof All Ages - It offers travel insurance plans for travellers of all ages, be it individuals, students, families, corporates or senior citizens.
- Emergency Medical Coverage- It offers coverage for emergency medical expenses incurred due to an illness or accident during the It also covers dental expenses and provides a daily cash allowance if admitted to a hospital.
- Coverage for Travel-Related Adversities - It provides coverage for a variety of travel-related adversities, including loss of passport, trip cancellation, missed connection flight, trip delay, etc.
- Door-to-Door Coverage- It covers the insured traveller against any adversities as soon as he/she steps out of their home to leave for the airport and ends when they reach back home from the airport.
- Policy Tenure - It comes with travel insurance plans for a single trip as well as multiple trips with annual renewal. The traveller can opt for a policy tenure as per the duration of the trip.
Explore Types of Travel Insurance
Things to Know About Cholamandalam Travel Insurance
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Categories |
Specifications |
|
Trips Covered |
International/Domestic |
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Sum Insured |
Up to 500,000 USD |
|
COVID-19 Cover |
Available |
|
Cashless Treatment |
Available |
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In-house Claim Settlement |
Not Available |
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Claim Assistance |
24 Hours |
Travel Insurance Plans Offered by Cholamandalam Travel Insurance
Take a look at the various Cholamandalam Travel Insurance plans in the table below:
|
Plan Types |
Sum Insured |
Eligibility Criteria |
Key Features |
|
Chola Overseas Travel Protection Policy |
50,000 USD 100,000 USD 250,000 USD 500,000 USD |
06 months to 80 years |
l Trip delay l Medical treatment l Adventure sports cover |
|
Chola Student Travel Protection Plan |
50,000 USD 100,000 USD 250,000 USD |
16 years to 35 years |
l Sponsor protection l Medical treatment l Bail bond |
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Chola MS Corporate Travel Insurance |
100,000 USD |
03 months to 70 years |
l Personal accident l Medical expenses l Loss of passport |
|
Chola Comprehensive Travel Insurance Policy |
50,000 USD 100,000 USD 250,000 USD 350,000 USD 500,000 USD |
90 days to 85 years |
l Overseas medical expenses l Trip cancellation l Delay of checked-in baggage |
|
Chola Subh Yatra Insurance Policy |
50,000 USD 100,000 USD |
01 year onwards |
l Medical expenses l Personal accident l Loss of passport |
Take a look at the various types of plans offered for Cholamandalam Travel Insurance in detail below:
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:
|
Sl.No. |
Covers |
Silver |
Gold |
Annual Multi Trip |
Senior Citizen* |
Deductibles |
|
1. |
Medical Treatment |
$50,000 |
$100,000/ |
$100,000/ |
$50,000 |
$100 |
|
2. |
Repatriation of Remains |
$7500 |
$7500 |
$7500 |
$7500 |
Nil |
|
3. |
Dental Treatment |
$250 |
$250 |
$250 |
$250 |
$50 |
|
4. |
Checked Baggage Loss |
$250 |
$1000 |
$1000 |
$250 |
Nil |
|
5. |
Checked Baggage Delay |
$100 |
$100 |
$100 |
$100 |
12 hours |
|
6. |
Passport Loss |
$150 |
$250 |
$250 |
$150 |
$30 |
|
7. |
Personal Liability |
$100,000 |
$100,000 |
$100,000 |
Nil |
Nil |
|
8. |
Personal Accident - Overseas |
$10,000 |
$25,000 |
$25,000 |
Nil |
Nil |
|
9. |
Personal Accident -Domestic |
INR |
INR |
Nil |
INR |
Nil |
|
10. |
Hijack Relief Benefit |
$700 |
$700 |
$700 |
$700 |
12 hours |
|
11. |
Hospital Daily Cash |
Nil |
$350 |
$350 |
$350 |
Nil |
|
12. |
Financial Emergency |
Nil |
$250 |
$250 |
Nil |
Nil |
|
13. |
Trip Cancellation |
Nil |
$500 |
$500 |
Nil |
$50 |
|
14. |
Trip Curtailment |
Nil |
$500 |
$500 |
Nil |
$50 |
|
15. |
Trip Delay |
Nil |
$150 |
$150 |
Nil |
12 hours |
|
16. |
International Driving License Loss |
Nil |
$100 |
$100 |
Nil |
$25 |
|
17. |
Home Burglary |
Nil |
INR |
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
- Hospital daily cash
- 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.
Exclusions under Cholamandalam Travel Insurance Plans
The Cholamandalam Travel Insurance plans do not cover the following:
- Travelling to avail medical treatment
- HIV AIDS
- Any illness or accident resulting from war and warlike situations, riots, civil war, etc
- Any loss or expenses arising from ionising radiation or contamination by radioactivity from any nuclear waste
- Any claim arising out of participation in competitions of professional or semi-professional sportsmen or women
- Cosmetic treatment
- Pregnancy-related expenses
- Congenital anomaly
The complete list of exclusions differs as per the plan type and can be checked by referring to the policy wordings.
How to Enrol in Cholamandalam Travel Insurance Plans?
There are multiple ways to enrol in a Cholamandalam Travel Insurance plan online as well as offline. Take a look at the process to buy travel insurance from Chola MS General Insurance Company below:
Online Process:
A Cholamandalam travel insurance policy can be purchased online on the website of Policybazaar Insurance Broker Private Limited. Prospective travellers can also visit the insurer’s website to buy it. Follow the steps given below to buy Cholamandalam travel insurance online:
- Go to the website of Policybazaar Insurance Broker Private Limited
- Select the option to buy travel insurance
- Provide the details of the trip, including the destination country and travel dates
- Enter the details of the travellers, such as their age, contact number, etc.
- Choose a Cholamandalam travel insurance policy as per the purpose of the trip
- Pay the premium for the policy online
- The policy will be issued within a couple of minutes.
Remember to compare travel insurance plans on Policybazaar.com before going ahead with a plan.
Offline Process:
Take a look at the various methods to buy a Cholamandalam travel insurance policy offline:
- Speak to the insurance experts at Policybazaar Insurance Broker Private Limited by calling their toll-free number on 1800-708-8787 and request to buy the policy
- Contact an insurance agent to purchase the travel insurance policy
- People can also visit the nearest branch of Chola MS General Insurance Company to fill the proposal form and buy the policy.
In case of any queries, feel free to write to Policybazaar Insurance Broker Private Limited at care@policybazaar.com
Chola MS Travel Insurance - FAQs
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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