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Chola - What is Leisure Travel Insurance Content

What is Leisure Travel Insurance?

A business trip or vacation should be hassle-free and memorable. This is exactly what Leisure Travel Insurance policy aims to provide. Whether you are travelling for work, to visit family or friends or to let off steam with an exciting holiday, all you need to do is choose the corporate travel insurance policy and leave all your worries behind.

Chola - Types of Plans in Leisure Travel Insurance Content

Types of Plans in Leisure Travel Insurance

Silver Cover

A simple, cost-effective plan

Gold Cover

For those looking for comprehensive cover

Senior Citizen Plan

Cover for people between the ages of 71 and 80 years.

Chola - What Does Leisure Travel Insurance Offer Content

What Does Leisure Travel Insurance Offer ?

Although cover will vary depending on the corporate travel insurance policy you choose, here are some basic types of cover that you can expect:

Medical expenses

This covers any sudden expenditure that occurs as a result of an emergency medical situation during the overseas travel

Dental treatment:

This is in addition to the medical expenses cover limit

Total loss of checked-in baggage

Compensation is offered in the event of permanent loss of all luggage while still in custody of the airline

Delay in checked-in baggage

Compensation is offered for expenses incurred by the policy holder to buy replacement items for essentials, such as toiletries, that might have been in the checked-in baggage that has been delayed by the airline

Loss of passport

Compensation for reasonable expenses arising out of the process of getting a duplicate passport

Loss of international driving license

If such a license is lost during the overseas travel, expenses related to the process of obtaining a duplicate license are covered

Personal accident cover

Permanent total disability and death during overseas travel are covered by our travel insurance

Personal liability

Cover for legal liability incurred by the policy holder towards a third party, either in terms of injury or damage to property

Financial emergency

Compensation for the loss of insured funds, or robbery or theft during the overseas trip

Hospital daily cash

Compensation for expenses, based on the sum insured, for each day of hospitalization for the policy holder. The claim for this should be filed under the medical expenses cover.

Hijack relief

Cover offered for each day of travel disrupted as a result of the hijack of the aircraft for more than 12 hours

Trip curtailment or cancellation

Reimbursement for any non-refundable expenses that might be incurred if the trip is cut short or cancelled for a specified reason.

Trip delay

Reimbursement for the amount spent on meals and lodging arising out of a delay in travel of more than 12 hours, if such expenses are not covered by the airline

Personal accident domestic

Cover for permanent total disability or death during travel from the residence to the airport or from the airport to the residence within India.

Home burglary cover

Loss of or damage to contents of the policy holders home in India while the insured is traveling

General exclusions under Chola MS Business Travel Insurance Policy include

Any treatment that might be the key reason or one of the reasons for the overseas travel.

Any treatment that can be delayed, according to the attending doctor and the overseas administrator, till the policyholder returns to India.

War (including war that has not officially been declared), invasion, civil war, act of foreign enemies; insurrection, rebellion, mutiny or revolution; usurped power (military or otherwise), capture, seizure, restraint, arrest or detainment; nationalization, confiscation or requisition; or damage caused by or due to the order of any public local authority or government; and acts of terrorism, with the exception of Hijack Relief.

Any reckless, intentional or criminal activity, use or abuse of alcohol and/or drugs, or attempted suicide.

Participation in air force, military or naval operations, either as a military exercise or as war games, or actual engagement with a foreign or domestic enemy.

Losses caused by attempted or actual commission or participation by the policy holder in illegal activities or attempted or actual violation of the law, including resisting arrest.

The travel insurance policy does not cover HIV/AIDS and all concomitant health conditions.

Chola - Leisure Travel Insurance Benefits Content

Leisure Travel Insurance Benefits

S.No.CoversSilverGoldAnnual Multi TripSenior CitizenDeductibles
1Medical Treatment₹50,000₹100,000/₹100,000/₹50,000₹100
  ₹100,000₹250,000₹250,000  
2Repatriation of Remains(within the overall medical limit)₹7500₹7500₹7500₹7500Nil
3Dental Treatment₹250₹250₹250₹250₹50
4Checked Baggage Loss₹250₹250₹250₹250₹50
5Checked Baggage Delay Baggage Delay₹100₹100₹100₹10012 hours
6Passport Loss₹150₹250₹250₹150₹30
7Personal Liability₹100,000₹100,000₹100,000NilNil
8Personal Accident-Overseas₹100,000₹100,000₹100,000NilNil
9Personal Accident-Domestic₹100000₹250000Nil₹100000Nil
10Hijack Relief Benefit (₹100/day:max 7 days)₹700₹700₹700₹70012 hours
11Hospital Daily Cash(₹25/day:max 14 days)Nil₹350₹350NilNil
12Financial EmergencyNil₹250₹250NilNil
13Trip CancellationNil₹500₹500Nil₹50
14Trip CurtailmentNil₹500₹500Nil₹50
15Trip Delay (₹10 per 12 hours max ₹150)Nil₹150₹150Nil12 hours
16International Driving License LossNil₹100₹100Nil₹25
17Home Burglary (Contents First Loss Basis)Nil₹200000NilNil₹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 INR 12,500 irrespective of the plan / option purchased. The Insurer's liability for Medical Expenses incurred on any accident will be restricted to INR 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 INR 10,000 irrespective of the plan / option purchased. The Insurer's liability for Medical Expenses incurred on any accident will be restricted to INR 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.

Chola - Leisure Extension of Travel Policy

Extension of Travel Policy

To get extension of your travel policy, please call us at 1800-208-5544 or write to us at customercare@cholams.murugappa.com, with below-mentioned information/supporting documents. Our customer service executive will be happy to help you with the procedure to extend your Business travel Insurance policy. The extension shall be subject to the following terms:

    ● The current corporate travel policy policy period should not have expired and the extension request should preferably be received at least five (5) days in advance of expiry date, so that the extension can be effected before expiry.

    ● There should be no claim on the current business travel insurance policy.

    The extension can be effected only once on the Corporate Travel insurance policy.

    ● Extension period required to be mentioned in days (not exceeding 180 days)

    ● The total extension including the original period should not exceed 360 days.

    ● Extension premium has to be paid before the policy expiry and before the actual extension is effected

    ● Insured should furnish a declaration of good health along with declaration that Insured is unaware of any health condition which could result in a claim during the extension period.

Chola - Modifying/Endorsing Your Insurance Details Content

Modifying/Endorsing your Insurance details

In case of change in name, address or any other details to changed/added to the policy, you can contact Chola MS for endorsement request. The request will be raised and the same changes will be updated in the policy.

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09 September 2021

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09 September 2021

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09 September 2021

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09 September 2021

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19 August 2021

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