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You are embarking on a new journey to chase your dreams and fulfill your ambitions. It is indeed a very proud and momentous occasion. However, staying miles away from your loved ones in a new country with strangers all around comes with its own bag of worries. Your safety, well-being, and financial security … are a nagging concern for your parents.
Who better than Chola to take care of you during uncertainties? Chola MS Student Travel Insurance is a partner you can rely on when you need help overseas. Besides making your travel risk and worry- free, the Travel Insurance plan is thoughtfully designed to provide cover during an illness.
Reasons to choose Chola MS
Here's what makes Chola MS Student Insurance plan the first choice for students travelling abroad.
Extra Savings - Our plans cost much less than insurance cover purchased abroad, and are available in Indian Rupees. So you can save your precious Foreign Exchange.
Express Claim Processing – Our tie-up with Europ Assistance India Pvt. Ltd., a leading international emergency services provider, ensures hassle-free, super fast claim settlement.
Special Medical extension - Available with the Platinum plan. This offers extra protection for 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 and mammographic examinations and even child-care benefits up to 7 days.
Door-to-door Coverage - You are covered from the moment you step out of your home in India, right up to the time you get back home. This includes any eventuality that may occur on the way from your home to the airport while leaving for the trip, or from the airport to home on the return trip.
Other advantages include:
- Outpatient and hospitalisation medical expenses covered for 1 year. This medical extension is available for 2nd year also.
- New geographical scope: Asia Pacific (excluding Japan). It means extra premium saving for you.
- No medical checkup.
- Cashless settlement of hospitalisation claims abroad
Other advantages include:
Three different plans - Silver, Gold and Platinum that give you the option to choose according to your needs.
- Silver: Simple cost effective plan with medical cover.
- Gold / Platinum: Comprehensive and value for money with additional benefits such as Bail Bond, Study Interruption, Sponsor Protection, etc.
- Medical Expenses - To take care of sudden expenses during emergency medical situations.
- Dental Treatment - A separate benefit in addition to the medical expenses limit.
- Loss of passport - Cover for obtaining duplicate passport
- Bail Bond - Covers bail amount applicable if arrested or detained by the police or judicial authorities for any bailable offence while abroad.
- 2-Way Compassionate Visit – if you or a family member is hospitalized for more than 7 consecutive days, and if a family member visits you or you visit the hospitalized family member in India, we'll cover the cost of the round trip economy class air ticket for you/family member and accommodation charges for the family member who is visiting abroad.
- Checked Baggage Loss – you'll be adequately compensated for loss of baggage in the custody of the airline.
- Personal Accident - Overseas – The plan includes cover for death and / or permanent total disability while overseas.
- Personal Accident - Domestic - This also gives you cover against death and/or permanent total disability while traveling from residence to airport or from airport to residence in India
- Study interruption - If your studies are interrupted on account of medical grounds or due to death of an immediate family member or the sponsor, Chola MS will reimburse the non-refundable portion of the tuition fee for the remaining part of the current school semester.
- Personal Accident - Domestic - This also gives you cover against death and/or permanent total disability while traveling from residence to airport or from airport to residence in India
- Sponsor Protection - In case of accidental death of the sponsor,Chola MS will reimburse the tuition fee for the remaining part of the education
- Personal Liability - Compensation towards any legal liability that you may have to bear due to third party injury to a person or damage to a property.
Please refer to the Policy Wordings for the complete coverage exclusions and terms and conditions of the policy.
These are the main exclusions. For a more detailed version, please refer the policy terms and conditions.
- Any treatment, if that is the sole reason or one of the reasons for the travel
- Overseas Travel to treat a pre-existing illness
- Treatment against doctor’s/overseas administrator’s advice for an illness that could have waited till your return to India
- Treatment for orthopedic, degenerative or oncologic diseases unless the medical attention is unforeseen, and is necessary to avert a clear and material danger to your life
- Treatment for Cancer unless the medical attention is unforeseen, and is necessary to avert a clear and material danger to your life
- Treatment for removal of physical flaws or anomalies or abnormalities (cosmetic treatment)
- Pregnancy /pregnancy check-ups /termination of pregnancy or any complications arising out of these.
- Treatment for internal or external congenital conditions
- Any claim relating to events occurring before the commencement of the cover or otherwise outside of the Period of Insurance
- Treatment by relatives
- Any kind of consequential loss
- War (whether declared or not), terrorism or terrorist acts, nuclear perils
- Any intentional, reckless or criminal act, suicide, or attempted suicide, or the use or abuse of any drugs, alcohol and the like
- 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.
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 |
Medical Expenses Extension -
Only for Platinum Plan |
Sub Limit -
(under Medical Expenses) |
| 1. Cancer screening & mammography examinations |
$2000 |
| 2. Treatment of mental / nervous disorders including alcoholism & drug dependency |
$1000 |
| 3. Child care benefits |
$100 x max 7 days (if the child is above 90 days and is hospitalized for more than 2 days for any ailment.) |
| 4. In - Patient medical expenses related to pregnancy |
$500 |
| 5. Medical expenses for inter - college sports injury |
As per Medical SI Limit. |