Cholamandalam Overseas Travel Protection Plan

Why Choose Cholamandalam Overseas Travel Protection Plan?

Cholamandalam MS General Insurance Company Limited offers several plan variants under its Chola Overseas Travel Protection Policy, including options for short-term travel, annual multi-trip, family travel, and senior citizens.

It offers benefits like medical treatment, dental care, loss of baggage, passport loss, personal accident coverage, and liability protection. This policy also offers trip cancellations, curtailment, and delays, and even offers home burglary coverage under certain conditions.

Cholamandalam Overseas Travel Protection Plan Variants

This Chola overseas travel protection policy comes in several variants including Silver, Gold, Annual multi-trip, and special plan for senior citizens aged 71-80 years. Given below are the benefits for two of its variants, Gold and Silver.

Senior Citizen Plans (ISC)

This Chola Overseas Travel Protection Policy also offers plans covering senior travellers aged between 71 and 80 years. It comes with a sum insured of USD 50,000 and offers coverage for dental treatment, baggage loss & delay, passport loss, hijack relief benefit, personal accident (domestic) and repatriation.

Cholamandalam Overseas Travel Protection Eligibility Criteria

Here's the eligibility criteria for purchasing this Chola Overseas Travel Protection policy:

• The policy is generally available to individuals between 6 months and 70 years old.
• Family travel policy can be issued to an individual, their spouse, and at most four children.
• Senior Citizen Plan (ISC) is available to individuals only in the age group of 71-80 years.

If the insured has misstated the age, then no claim will be entertained under the policy and no refund of premium will be made.

Cholamandalam Overseas Travel Protection Inclusions

Here's a list of benefits offered under this Chola Overseas Travel Protection policy:

• Overseas Medical Expenses: You will get covered for medical expenses incurred due to illness or accidental bodily injury while overseas, including hospitalisation
• Medical Evacuation/Transportation: If diagnosed with an illness/accidental bodily injury during your trip, your policy will cover the transportation cost to India for necessary medical attention.
• Loss of Checked-in Baggage (Total): Provides cover for the loss of your checked-in luggage permanently by your airline carrier.
• Delay of Checked Baggage: If your airline delays your checked-in baggage for over 12 hours, the policy will cover the costs of essential replacement items like toiletries, medication, and clothing.
• Loss of Passport: Your policy will cover reasonable expenses incurred in getting a duplicate or fresh passport overseas or within 30 days upon return to India
• Personal Accident (Overseas): Your policy will pay a percentage of the sum insured in case of an accidental bodily injury resulting in death or permanent disability overseas.
• Personal Liability: This Chola Overseas Travel Protection Policy covers legal liability incurred to a third-party in case you cause them accidental bodily injury or accidental property damage abroad.
• Hijack Relief: This benefit pays a certain sum for each completed day if the insured person is a victim of the hijack during their overseas journey.
• Trip Cancellation: The policy will reimburse certain non-refundable expenses on cancellation of overseas travel tickets, hotel bookings, or scheduled tour bookings under specific reasons such as death, diagnosis of a critical illness, etc.
• Trip Curtailment: Covers non-refundable expenses if a trip is cut short due to specified reasons.
• Trip Delay: Reimburses expenses for meals and lodging if the common carrier doesn't provide them free of charge for trips delayed more than 12 hours.

The list of inclusions may vary from variant to variant, so make sure to go through policy wording to understand the exact coverage.

Cholamandalam Overseas Travel Protection Exclusions

The Chola Overseas Travel Protection policy has some general exclusions, which means there are situations the policy will not cover. Here are some expenses that are not covered:

• Traveling for Treatment: The policy generally won't cover treatments if the main reason for your trip is to get that treatment abroad.
• Treatment Delayable to India: If your treatment can wait until you return to India, it's likely that it won’t be covered.
• Consequential Losses: The policy typically does not cover any kind of consequential losses
• War and Terrorism: Claims arising from war, civil unrest, invasion, acts of foreign enemies, rebellion, revolution, or terrorism are typically not covered.
• Illegal Acts and Suicide: No coverage for losses resulting from illegal activities, suicide, or attempted suicide.
• Military Operations: Participation in military or air force operations or exercises is not covered.
• Certain Infections and Diseases: Losses caused by HIV, AIDS, or related medical conditions are not covered.
• Professional Sports: Injuries or claims arising from training or participating in professional or semi-professional sports competitions are excluded.

Cholamandalam Overseas Travel Protection Plan Claim Procedure

The claim procedure for the Chola Overseas Travel Protection policy involves the following steps. You must follow these to ensure a smooth claim procedure:

• Give notice immediately to the insurer through their Overseas Administrator of any event that may lead to a claim.
• You should mention the policy number when calling and leave current contact information.
• Submit a completed claim form with written evidence of loss in the form of claim documents mentioned in the policy. You must provide these to the Company no later than 30 days after the date of loss.
• Provide the required documents such as original bills, prescriptions, treatment expenses, police report etc, depending upon your claim.

Once you have completed the procedure, your insurer will directly settle costs on your behalf or reimburse you later, depending on your situation.