Cholamandalam MS Insurance - FAQ

1. 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.

2. 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

3. 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)

4. 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.

5. 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.

6. 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.

7. 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.
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