The actual coverage will vary based on the plan chosen.

• Medical Expenses - To take care of sudden expenses incurred during emergency medical situations while overseas
• Dental Treatment - A separate benefit in addition to the medical expenses limit for dental treatment
• Total Loss of Checked-in Baggage - Compensation towards permanent loss of total baggage in the custody of the airline
• Delay of Checked-in Baggage - Compensation towards cost of Insured's purchase replacement of essential items like toiletries etc., if the checked-in baggage is delayed by the airline
• Loss of Passport - Cover for the reasonable expenses incurred for obtaining duplicate passport
• Loss of International Driving License - Covers reasonable expenses incurred in obtaining a duplicate international driving license if the same is lost overseas
• Personal Accident Overseas - Coverage towards death and / or permanent total disability while overseas
• Personal Liability - Compensation towards any legal liability incurred by the insured in his private capacity to the third party for any injury to a person or damage to a property
• Financial Emergency - Compensation towards funds lost if insured, is the victim of robbery or theft overseas
• Hospital Daily Cash - Provides payment of sum insured for each day the Insured is hospitalized if there is a claim admitted under medical expenses cover
• Hijack Relief - Provides for payment of sum insured for each completed day if the journey is disrupted due to hijack of carrier for more than 12 hours
• Trip Cancellation and Trip Curtailment - Provides for reimbursements of non-refundable expenses incurred due to cancellation / curtailment of trip due to specified reason
• Trip Delay - Provides for reimbursement of expenses for meals and lodgings due to trip delay for more than 12 hours if the same is not paid by the carrier
• Personal Accident-Domestic - Coverage towards death and / or permanent total disability while traveling from residence to airport or from airport to residence in India
• Home Burglary Cover - Loss or damage during travel overseas to contents at residence normally occupied by the Insured in India due to burglary

* Conditions apply.

Some of the general exclusions under the Chola MS Short Term Travel Insurance are:

• 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's return to India
• 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
• 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'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

Please refer to the Policy Wordings for the complete coverages, exclusions and
terms and conditions of the policy.

* Conditions apply.