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FAQ
Travel Insurance
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What are the travel related
emergencies the policy covers? |
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There's
a lot you're exposed to
while traveling abroad.
And even though you've planned
everything down to the smallest
detail, there's no telling
when a calamity might strike.
A sudden illness, loss of
baggage, a financial emergency,
a medical emergency, loss
of passport, anything could
happen. That is why it is
a prudent decision to protect
yourself and your loved
ones with Cholamandalam’s
Travel Health Insurance.
You can be sure you're covered
for a whole host of calamities
that may occur while traveling
abroad.
Medical
Expenses:Cash-free
cover for Medical
expenses and dental
treatment. In case of
out-patient medical
expenses, cash-free
facility is extended
where the amount payable
exceeds USD 400 only. In
other circumstances, the
medical expenses will be
reimbursed based on the
applicable norms.
Medical evacuation:
In the event of a
medical emergency where
circumstances prevent
you from being treated
for your condition
abroad, the policy
provides cover for
bringing you back to a
hospital in your native
place or a hospital
nearest to it. This is a
sub-limit of the Medical
expenses cover.
Repatriation of
mortal remains: The
policy reimburses the
family the cost of
moving the insured's
mortal remains from a
foreign country to
his/her residence or
provides reimbursement
of costs incurred in
conducting last rites
abroad.
Delay of checked
baggage: In the
event of the checked-in
baggage getting delayed
by more than 12 hours,
the policy covers cost
of emergency purchase of
replacement items.
Total loss of checked
baggage: Reimburses the
total loss of checked
baggage whilst in the
custody of the carrier.
Excludes Jewellery, cash
etc.
Loss of passport:
Covers the necessary
expenses incurred to
facilitate the process
of getting duplicate
passport or a fresh
passport.
Personal accident:
The policy shall pay
compensation to the
insured or the insured's
family in the event of
an accident resulting in
permanent disability or
loss of life of the
insured.
Hospital cash: In
addition to hospital
expenses, daily
allowance will also be
paid in the event of
hospitalization abroad
due to accident or
illness.
Personal liability:
Indemnifies against
legal liability arising
in your personal
capacity during the stay
abroad.
Financial Emergency:
The policy will replace
funds lost by the
insured as a result of
robbery or theft whilst
overseas.
The detailed list of the
covers and the Sum
Insured amounts under
each Insurance Plan can
be viewed at
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Do I need to take travel
insurance each time I make
a trip or is one policy
valid for multiple trips
made over a period of time? |
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You
get to choose what kind
of Insurance Plan you
would like – either a
plan covering a Single
Trip, or a plan covering
multiple trips (this
second plan is also know
an Annual Multi Trip
policy).
If you choose a Single
Trip policy, the cover
will be valid for the
duration of the trip,
(as selected by you).
You get to select the
exact duration of your
trip, and will need to
pay the premium for just
that period.
If you choose a Multiple
Trip policy, the cover
will be valid for one
year from the start date
of the policy. The
maximum duration per
trip under this option
can be either 30 days or
45 days (as selected by
you).
The Cholamandalam MS
Travel Insurance policy
is available in 3 plans
- Silver Cover – a
simple,
cost-effective plan
- Gold Cover – a
comprehensive, value
plan
- Platinum Cover–
a high-end plan
The
detailed list of the
covers and the Sum
Insured amounts under
each Insurance Plan can
be viewed at
http://www.cholainsurance.com/shorterm.asp
If you are a student and
are going abroad for
pursuing your studies,
the Chola MS Student
Travel Insurance will be
suitable for your needs.
Please visit http://www.cholainsurance.com/StudentTravelInsuranceplan.asp
for further details. |
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What are the regions your
insurance covers? |
You can select these
plans based on the
region you are traveling
to:
- Worldwide
- Worldwide
(Excluding USA&
Canada)
- Asia-Pacific
(excluding Japan)
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What benefit will I get
from this insurance in case
of a medical emergency? |
Medical
Expenses:
-
As mentioned
elsewhere, cash-free
cover for Medical
expenses and dental
treatment. In case
of out-patient
medical expenses,
cash-free facility
is extended where
the amount payable
exceeds USD 400.
-
Medical
Evacuation: In
the event of a
medical emergency
where circumstances
prevent you from
being treated for
your condition
abroad, the policy
provides cover for
bringing you back to
a hospital in your
native place or a
hospital nearest to
it.
Transportation of mortal
remains: The policy
reimburses the family
the cost of moving the
insured’s mortal remains
from a foreign country
to his/her residence or
provides reimbursement
of costs incurred in
conducting last rites
abroad.
Personal accident:
The policy shall pay
compensation to the
insured or the insured’s
family in the event of
an accident resulting in
permanent disability or
loss of life of the
insured.
Hospital cash: In
addition to hospital
expenses, daily
allowance will also be
paid in the event of
hospitalization abroad
due to accident or
illness.
Personal liability:
Indemnifies against
legal liability arising
in your personal
capacity during the stay
abroad.
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How is my baggage protected
by your policy? |
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Delay of checked
baggage: In the
event of baggage delay
beyond 12 hours, the
policy covers cost of
emergency purchase of
replacement items.
Total loss of checked
baggage: Reimburses
the total loss of
checked baggage whilst
in the custody of the
carrier. Excludes
Jewellery, cash etc.
Loss of passport:
Covers the necessary
expenses incurred to
facilitate the process
of getting duplicate
passport or a fresh
passport. |
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What other liabilities does
the policy protect me from? |
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Personal liability:
Indemnifies against
legal liability arising
in your personal
capacity during the stay
abroad.
Financial Emergency:
The policy will
replace funds lost by
the insured as a result
of robbery or theft
whilst overseas. |
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