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 Individual > Travel > Short Term Travel |
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Cholamandalam | |
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| | | Fun times or a quick hassle-free trip on work should be just that - fun and hassle-free!
The Chola MS Short Term Travel Policy in your pocket is a great companion on your holidays, business trips or visits to friends & family abroad. Travel light, leave your baggage of worries behind and take the Chola MS Short term travel package with you. Key advantages include: |  | 3 cover options to suit all your travel needs |
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| | • | Silver Cover – A simple, cost-effective plan | | • | Gold Cover – A comprehensive value plan | | | Door-to-door Cover – You have insurance coverage from the time you leave home, right up to the time you return. 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 | | Adventure Sports Cover – Enjoy your holiday abroad to the fullest by seeking the thrills of adventure sports too. For just a nominal additional premium you can get yourself covered against eventualities arising from adventure sports that you may want to try your hand at | | Multi-Purpose Cover –Take it along on holiday, on business or for any other personal visits. | | Cover for all your family members - You can get the Chola MS cover for your children(as young as 3 months) to the elders in your family (as old as 80 years) under this policy. No medical check-up is required for people up to 65 years of age | | Senior Citizens Cover – The elderly members of your family can be covered under this package | | Pay only for what you use – We have a day-wise rate, which means that you pay for the exact duration of your trip, and do not waste money paying on any slab-based premium rate | | Pre-existing conditions – Covered under life-saving unforeseen emergencies – We provide cover for any eventuality arising from a pre-existing condition. This is a unique feature of the Chola Travel Insurance | | | Chola MS Annual Multi-trip Travel Policy
An ideal policy to have if you happen to travel abroad frequently. Take the Annual Multi-Trip plan from Chola MS Travel Insurance, and make as many trips as you want without the hassle of taking a separate insurance cover on each trip. The Annual Multi-trip plan conveniently covers trip durations of 30 days, 45 days, 60 days or 90 days. |
| | Please refer to the Policy Wordings for the complete coverages, exclusions and terms and conditions of the policy. | | * Conditions Apply |
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| | | | | 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. | | |
| | | | S No. | Covers | Silver | Gold | AMT | Senior Citizen | Deductibles | | 1. | Medical Treatment | $ 50,000 $ 100,000 | $100,000/
$ 250,000 | $100,000/ $250,000 | $ 50,000 | $ 100 | | 2. | Repatriation of Remains (within the overall medical limit) | $ 7500 | $ 7500 | $ 7500 | $ 7500 | Nil | | 3. | Dental Treatment | $ 250 | $ 250 | $ 250 | $ 250 | $ 50 | | 4. | Checked Baggage Loss | $ 250 | $ 1000 ( $ 500 for Med SI 100K ) | $ 1000 ( $ 500 for Med SI 100K ) | $ 250 | Nil | | 5. | Checked Baggage Delay | $ 100 | $ 100 | $ 100 | $ 100 | 12 Hrs | | 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
( $ 10,000 for Med SI 100k ) | $ 25,000
( $ 10,000 for Med SI 100k ) | Nil | Nil | | 9. | Personal Accident – Domestic | INR 100,000 | INR 250,000 | Nil | INR 100,000 | Nil | | 10. | Hijack Relief Benefit ( $100 / day: max 7 days ) | $ 700 | $ 700 | $ 700 | $ 700 | 12 Hrs | | 11. | Hospital Daily Cash ($25 / day; max 14 days) | 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 ($10 per 12 hrs max $ 150) | Nil | $ 150 | $ 150 | Nil | 12 Hrs | | 16. | International Driving License Loss | Nil | $ 100 | $ 100 | Nil | $ 25 | | 17. | Home Burglary ( Contents First Loss Basis ) | Nil | INR 200,000 | Nil | Nil | INR 2500 | | For the Senior Citizen plan, for persons within the age group 71-75 years, the maximum eligible medical expenses per sickness, disease or accident sustained or contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses and/or hospitalization expenses are restricted to USD 12,500 irrespective of the plan / option purchased. The Insurer’s liability for Medical Expenses incurred on any accident will be restricted to USD 25,000 as a sub limit of the Limit of Indemnity under the Medical Expenses Cover. These limits are further restricted to the maximum sum insured specified in part 1 of the schedule.
For the Senior Citizen plan, for persons within the age group 76-80 years, the maximum eligible medical expenses per sickness, disease or accident sustained or contracted within the period of insurance whilst on the trip abroad, that may lead to one or more medical expenses and/or hospitalization expenses are restricted to USD 10,000 irrespective of the plan / option purchased. The Insurer’s liability for Medical Expenses incurred on any accident will be restricted to USD 25,000 as a sub limit of the Limit of Indemnity under the Medical Expenses Cover. These limits are further restricted to the maximum sum insured specified in part 1 of the schedule. | | |
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