Cholamandalam Travel insurance Fequently Asked Questions, Chola Travel Insurance FAQs

What are the travel related emergencies the policy covers?

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.
Medical Repatriation: 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.
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.
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.

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?

Plan: You can either choose a Single Trip or Multiple Trip policy. If you choose a Single Trip policy, the cover will be valid for the duration of the trip, (as selected by you).
Durations available are:
- Upto 7 Days
- 8-14 Days
- 15-21 Days
- 22-28 Days
- 29-42 Days
- 43-56 Days
- 57-70 Days
- 71-80 Days
- 81-90 Days
- 91-120 Days
- 121-150 Days
- 151-180 Days

What are the regions your insurance covers?

Geography: You can select these plans based on the region you are traveling to
- Worldwide
- Worldwide (Excluding USA& Canada)
- Neighbouring Countries (Pakistan, Srilanka, Bangladesh, Nepal and Bhutan)

Do you cover dental treatment?

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.
Medical Repatriation: 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.

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 only.
Medical Repatriation: 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.

How is my baggage protected by your policy?

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.

What other liabilities does the policy protect me from?

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.