Chola MS Business/ Leisure Travel
General Insurance Company Ltd
Cholamandalam MS General Insurance Company Ltd. is a Joint Venture between Murugappa Group and Mitsui Sumitomo Insurance Group of Japan. Cholamandalam MS offers a wide range of products that include Accident, Engineering, Health, Liability, Marine, Motor, Property, Travel and Rural insurance for individuals and corporate.
Toll Free - 1800-200-5544 (India)
(+) 91 44 3098 5300 (International)
SMS: "CHOLA" to 56677*
Email: customercare@cholams.murugappa.com
Chola Ms Business- Leisure travel insurance is designed to cover health-related emergencies and travel-related inconveniences that one may encounter during overseas travel. The Leisure travel plan is offered in variants with the medical benefit ranging from $50,000 to $250,000. The policy is available for a wide age group, from infants (3 months) right up to 65 years without medical checkup and covers most emergencies one is likely to face while traveling abroad.
Unique Features of Chola MS Business/ Leisure Travel
Coverage for obtaining duplicate passport
Hassle free overseas claim settlement
Coverage for senior citizens up to 60 years through online
24/7 worldwide assistance
Covers adventure sports
Eligibility Criteria for Chola MS Business/ Leisure Travel
| Product Name | Travel Guard | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Minimum Age of Entry | 3 months | ||||||||||||
| Maximum age of Entry | 65 years | ||||||||||||
| Renewal Age | Upto 65 Years | ||||||||||||
| Sum Insured | $50,000 to $2,50,000 | ||||||||||||
| Policy Tenure | Trip Duration of upto 360 days for policyholder upto 60 years and 180 days for policyholders between 61- 70 years. One way travel covered upto 120 days | ||||||||||||
| Family Definition | Individual/ Family floater including self, spouse and 2 dependent children | ||||||||||||
| Premium Calculated on Basis of | Age, Trip duration, Destination and Sum Insured | ||||||||||||
Product Benefits of Chola MS Business/ Leisure Travel
| Covers | Silver | Gold | Annual Multi Trip | Senior Citizen | Deductibles |
| Medical Treatment | $50,000 $100,000 |
$100,000/ $250,000 |
$100,000/ $250,000 |
$50,000 | $100 |
| Repatriation of Remains (within the overall medical limit) |
$7,500 | $7,500 | $7,500 | $7,500 | Nil |
| Dental Treatment |
$250 | $250 | $250 | $250 | $50 |
| Checked Baggage Loss |
$250 | $1000 ($500 for Med SI 100k) |
$1000 ($500 for Med SI 100k) |
$250 | Nil |
| Checked Baggage Delay |
$100 | $100 | $100 | $100 | 12 Hours |
| Passport Loss |
$150 | $250 | $250 | $150 | $30 |
| Personal Liability |
$100,000 | $100,000 | $100,000 | Nil | Nil |
| Personal Accident - Overseas |
$10,000 | $25,000 ($10,000 for Med SI 100k) |
$25,000 ($10,000 for Med SI 100k) |
Nil | Nil |
| Personal Accident - Domestic |
INR 100,000 |
INR 250,000 |
Nil | INR 100,000 |
Nil |
| Hijack Relief Benefit ($100/day: max 7 days) |
$700 | $700 | $700 | $700 | 12 Hours |
| Hospital Daily Cash ($25/day: max 14 days) |
Nil | $350 | $350 | $350 | Nil |
| Financial Emergency |
Nil | $250 | $250 | Nil | Nil |
| Trip Cancellation |
Nil | $500 | $500 | Nil | $50 |
| Trip Delay ($10 per 12 hours max $150) |
Nil | $150 | $150 | Nil | 12 hours |
| International Driving License Loss |
Nil | $100 | $100 | Nil | $25 |
| Home Burglary (Contents First Loss Basis) |
Nil | INR 200,000 |
Nil | Nil | INR 2500 |
Exclusions for Chola MS Business/ Leisure Travel
- 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.
- HIV/AIDS and all concomitant health conditions.
Please refer to the policy wordings for the complete list of exclusions.
Claim Process for Chola MS Business/ Leisure Travel
Assistance service provider is to be informed in each & every medical treatment. Non Intimation may invalidate the claim.
Service Provider details
| Country | Contact No. |
|---|---|
| USA | 8777779824 |
| Canada | 8778120252 |
| Colombia | 009+800-00000044 |
| Austria, Belgium, Denmark, France, Germany, Hungary, Ireland, Italy, Netherlands, New Zealand, Norway, Poland, Portugal, Spain, Sweden, Switzerland, UK | 00+800-00000044 |
| Finland | 990/999+800-00000044 |
| Australia | 011+800-00000044 |
| Israel | 014+800-00000044 |
| Malaysia | 00+800-00000044 |
| Hong Kong, Singapore, Thailand | 001+800-00000044 |
| South Korea | 001+800-00000044/ 002+800-00000044 |
| Japan (IDC) | 0033-010/001-010/0061+010/0041+010800-00000044 |
| Philippines | 1 800 11142270 |
| All other countries (non-tollfree number) | (+) 91 22 6734 7848 |
| Toll Free Number (within India) | 1800 209 5533 |
| Non-tollfree landline number | (+) 91 22 6734 7848 |
| cholams@europ-assistance.in | |
| Fax | (+) 91 22 6734 7888 |
| Address | Europ Assistance India Pvt. Ltd., C-301, Business Square, Andheri Kurla Road, Chakala, Andheri (E), Mumbai- 400093 |