Cholamandalam Student Travel Protection Plan

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Introduction:

This is a Student Insurance Policy which covers his/her travel during times of an illness. It is available at an affordable cost and offers unique coverage areas.

Eligibility:

Policy Details:

Silver Cover: Simple, cost-effective plan.
Gold / Platinum Cover: Comprehensive yet affordable plan, providing additional benefits such as Bail Bond/Study Interruption/Sponsor Protection etc.
Door-to-Door Cover: Coverage right from the time the door is locked till return to home.
Express Claim Processing- Hassle-free, super-fast claim settlement with international tie ups and Cashless settlement of hospitalisation claims abroad.
Special Medical extension- Included in the Platinum plan which allows foradditional coverage of Medical expenses for sports injuries, Treatment of mental/nervous disorders (alcoholism/drug dependency), medical expenses related to pregnancy, cancer screening/mammographic examinations and even child-care benefits up to a maximum of 7 days.
Outpatient and hospitalisation medical expenses covered for 1 year, medical extension is available for year 2 also.

Policy Benefits:

Emergency medical, transportation back to India, dental emergency expenses following an accident, compensation following accidental injuries.
Expenses incurred for obtaining new passport or other documents, or loss of passport/ international driving license.
Delay in flight or missed departure/connection, situation involving hijack distress
Expenses on emergency purchases of consumables due to any delay in handling checked in baggage by the carrier for more than 12 hours
Personal accident domestic: Permanent total disability/death during course of travel from the residence to the airport vice versa within India.
Any Legal Liability burdened upon you due to causing bodily injury or property damage to any third party.
Study interruption/Sponsor Protection–In case of such an occurrence under medical grounds or due to death of an immediate family member/sponsor, non-refundable part of tuition fee for the remaining part of semester/education as specified would be reimbursed.
Bail Bond –Under circumstances where the Insured is arrested/detained by the police or for any bailable offence expenses for bail would be reimbursed.
2-Way Compassionate Visit –In case of Insured/family member being hospitalized for more than 7 consecutive days, expenses against visit for insured/family member would be reimbursed.

Exclusions:

Travel against medical advice or foe the purpose of obtaining medical treatment.
Pre-existing condition or disease and subsequent treatment.
Risk sports such as rock climbing, mountaineering, winter sports, skiing.
Self-inflicted injuries, suicide, mental disorder, intentional involvement in dangerous situations.
Expenses due to pregnancy, congenital diseases, HIV/AIDS and all concomitant health conditions
Expenses War/invasion/public defence/ riot, terrorism or any breach of law with criminal intent.

Schedule of Benefits:

S. No.	Benefits	Silver	Gold	Platinum	Deductible
1	Medical Cover	$50,000 $100,000	$250,000 $100,000	$250,000 $100,000	$100
2	Repatriation of Remains	$7500	$7500	$7500	Nil
3	Medical Expenses Extension*	Nil	Nil	Available **	$100
4	Dental Treatment	$250	$250	$250	$100
5	Passport Loss	Nil	$150	$150	$30
6	Personal Liability	Nil	$100,000	$100,000	Nil
7	Personal Accident - Domestic	Nil	INR 200,000	INR 200,000	Nil
8	Personal Accident - Overseas	Nil	$25,000	$25,000	Nil
9	Study Interruption	Nil	$7500	$7500	Nil
10	Sponsor Protection	Nil	$10,000	$10,000	Nil
11	Compassionate Visit	Nil	$7500	$7500	Nil
12	Checked Baggage Loss	Nil	$1000	$1000	Nil
13	Bail Bond	Nil	$5000	$5000	Nil

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