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Chola Domestic Travel Insurance
Chola Domestic Travel Insurance - Single Trip Travel
| Covers |
Description of cover |
Description of deductible |
| PA – death and/or PTD |
If the Insured suffers Accidental Bodily Injury and this is the sole and direct cause of his Death or Permanent Disability within 12 months, then the Insurer will pay the Insured the percentage of the Sum Insured specified for each and every form of condition as described in detail in the Policy Wordings. |
No deductible is applicable for this cover |
| Emergency Accident Medical expenses |
If the Insured suffers Accidental Bodily Injury which requires immediate medical attention, then the Insurer will pay the Insured the amount (up to the limit of Sum Insured) for Emergency Accidental Medical Expenses reimbursement incurred in a Hospital. |
For every case of accidental medical treatment, the insured must bear the expenses towards treatment to the extent of the first Rs 2000, and the remaining will be paid by the Insurer |
| Medical evacuation |
In the case of an accidental bodily injury, if the insured person is transportable from a medical point of view, and if the Chola MS Claims Department or the attending doctor opine that he/she can be repatriated to the home town or town of origin, then the Insurer will reimburse (up to the limit of Sum Insured) the cost of transportation of the Insured to the home town / town of origin and necessary medical care required en route |
No deductible is applicable for this cover |
| Repatriation of remains |
If the insured person dies as a result of complications from accidental bodily injury, then the insurer will pay (up to the limit of Sum Insured)for either the cost of transporting the mortal remains of the insured to the home town / town of origin, or the costs of burial in the town where the insured passed away |
No deductible is applicable for this cover |
| Trip cancellation |
If the insured person cancels the scheduled trip before commencement of the trip due to any of the covered hazards (as described in the policy wordings), then the insurer will reimburse the insured (up to the limit of Sum Insured) towards any non-refundable expenses on cancellation of the airline tickets |
No deductible is applicable for this cover |
| Flight rescheduling |
If the flight in which the insured had originally booked his /her tickets for travel gets delayed due to any of the covered hazards (as described in the policy wordings), and if the insured reschedules his/her flight and travels by another flight (in the same sector by the same airline) then the insurer will reimburse the insured towards any excess fare paid by the insured for the rescheduled ticket (up to the limit of Sum Insured) |
A claim will be admissible under this cover only in case of any delay of the original flight in excess of 4 (four) hours |
| Flight delay |
In the event of Delay of the flight in which the Insured has booked his/her ticket for travel (delay caused by any covered hazard as mentioned in the Policy Wordings), if the airline does not provide necessary meals and lodgings free of charge, the Insurer will reimburse expenses for meals and lodgings (up to the limit of Sum Insured) |
A claim will be admissible under this cover only in case of any delay of the flight in excess of 6 (six) hours |
| Trip curtailment |
In case the insured's Trip has got interrupted before the Insured has reached the final destination town (reason for interruption being a booked Common carrier being delayed for at least 24 hours due to strike, industrial action, riot, civil commotion, severe weather condition, natural disaster or hijack), the Insurer will reimburse the insured any non-refundable expenses towards cost of ticket for next available option or any incidental expenses including Boarding & Lodging for maximum one day up to the Limit of the Sum Insured |
No deductible is applicable for this cover |
| Loss of Checked baggage |
In the case of the Insured’s checked-in-baggage entrusted to the airline is permanently lost by the airline, then the insurer will pay the insured (up to the limit of the Sum Insured) towards the market value of the lost items less any recovery from the airline by the insured. |
In case more than one baggage is checked-in, the maximum amount payable per baggage will be 50% and per article contained in the bag will be 10% of the Sum Insured |
Chola Domestic Insurance - Silver Plan
| Covers |
Silver Basic plan |
Silver Advanced plan |
Deductibles |
| PA – death and/or PTD |
Rs 1.00 lakh |
Rs 2.50 lakh |
Nil |
| Trip cancellation |
Up to original cost of flight ticket, subject to a maximum of Rs 5000 |
Up to original cost of flight ticket, subject to a maximum of Rs 7500 |
Nil |
| Flight rescheduling |
To bear the difference in costs between the ticket fare of the originally booked flight and the new flight, subject to a maximum of Rs 4000 |
To bear the difference in costs between the ticket fare of the originally booked flight and the new flight, subject to a maximum of Rs 5000 |
4 hours |
| Flight delay |
Rs 1,000 per 6 Hrs delay period up to a maximum of Rs 4000 |
Rs 1,500 per 6 Hrs delay period up to a maximum of Rs 6000 |
6 hours |
Cholamandalam Domestic Insurance - Gold Plan
| Covers |
Gold Basic plan |
Gold Advanced plan |
Deductibles |
| PA – death and/or PTD |
Rs 7.50 lakhs |
Rs 10.00 laths |
Nil |
| Emergency Accident Medical expenses |
Rs 1.00 lakh# |
Rs 2.50 lakh# |
Rs 2000 |
| Medical evacuation |
Sublimit Up to Sum Insured of the Emergency Accident Medical expenses cover# |
Nil |
| Repatriation of remains |
Sub limit of Emergency Accident Medical expenses cover, up to a maximum of Rs 10,000# |
Nil |
| Trip cancellation |
Up to original cost of flight ticket, subject to a maximum of Rs 5000 |
Up to original cost of flight ticket, subject to a maximum of Rs 7500 |
Nil |
| Flight rescheduling |
To bear the difference in costs between the ticket fare of the originally booked flight and the new flight, subject to a maximum of Rs 5,500 |
To bear the difference in costs between the ticket fare of the originally booked flight and the new flight, subject to a maximum of Rs 8,500 |
4 hours |
| Flight delay |
Rs 1,500 per 6 Hrs delay period up to a maximum of Rs 6,000 |
Rs 2,000 per 6 Hrs delay period up to a maximum of Rs 8,000 |
6 hours |
| Trip curtailment |
Up to the Original Cost Of Flight, subject to a maximum of Rs 5000 |
Up to the Original Cost Of Flight, subject to a maximum of Rs 7500 |
Nil |
| Loss of Checked baggage |
Rs 8,000 |
Rs 12,000 |
10%/ 50% (Per Article/ Per Bag Limit) |
Chola Domestic Insurance - Platinum Plan
| Covers |
Platinum basic plan |
Platinum Advanced plan |
Deductibles |
| PA – death and/or PTD |
Rs 7.50 lakhs |
Rs 10.00 lakhs |
Nil |
| Emergency Accident Medical expenses Rs 1.00 lakh# |
Rs 2.50 lakh# |
Rs 2000 |
| Medical evacuation |
Sublimit Up to Sum Insured of the Emergency Accident Medical expenses cover# |
Nil |
| Repatriation of remains |
Sub limit of Emergency Accident Medical expenses cover, up to a maximum of Rs 10,000# |
Nil |
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