Chola MS Insurance frequently asked questions

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.