{"uin":"CHOTIOP26037V012526","name":"Global Travel Insurance","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526","insurer":{"slug":"cholamandalam-ms-general-insurance","name":"Cholamandalam MS General Insurance Company Limited","url":"https://indiainsurances.com/insurer/cholamandalam-ms-general-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Global Travel Insurance is a travel insurance policy for Indian residents aged 01 month to 85 years, offered on Single Trip, Annual Multi Trip and one-way travel bases for Schengen, Worldwide and Worldwide excluding US & Canada areas. It has Schengen, Outbound Family, Outbound Basic, Outbound Extra, Outbound Prime and Diamond plans, and covers emergency medical expenses, baggage, passport, trip cancellation and other travel risks.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:54:54.999917+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["SCHENGEN","OUTBOUND FAMILY","OUTBOUND BASIC","OUTBOUND EXTRA","OUTBOUND PRIME","DIAMOND"],"display":"SCHENGEN; OUTBOUND FAMILY; OUTBOUND BASIC; OUTBOUND EXTRA; OUTBOUND PRIME; DIAMOND","note":null,"quote":"COVERAGE / PLAN | SCHENGEN | OUTBOUND FAMILY | OUTBOUND BASIC | OUTBOUND EXTRA | OUTBOUND PRIME | DIAMOND","sources":[{"clause":"Section 4","heading":"SCHEDULE OF BENEFITS","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-section-4"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Single Trip policies can be issued for one trip not exceeding 90 days. Annual Multi Trip policies can be issued for 180 days or 365 days, with each single trip not exceeding 90 days, and one-way travel has the maximum duration specified in the Policy Schedule.","display":"Single Trip up to 90 days; Annual Multi Trip 180 days or 365 days, each trip up to 90 days; one-way as specified in the Policy Schedule","note":null,"quote":"Policy shall be offered on Single Trip/ Annual Multi trip basis\n a) Single Trip Policy:\n Policies covering single trips can be issued upto a single trip not exceeding 90 days.\n b) Annual Multi trip Policy:\n Policies covering Annual Multi Trips can be issued for a period of 180 days or 365 days covering multiple single trips within the period of insurance with each and every single trip not exceeding a specified number of days as mentioned in the Policy Schedule, ie. 90 days\n c) One-way Travel:\n Policy is applicable for one-way travel also, including immigration travel with a condition for maximum duration of coverage limited to specified number of days as mentioned in the Policy Schedule.","sources":[{"clause":"Section 3","heading":"SCOPE OF SERVICES","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-section-3"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For In-Patient care, Emergency Repatriation or Trip curtailment, the Assistance Company must be notified within 48 hours of admission to hospital and, for Trip curtailment, before departure back to the usual Country of Residence. Completed claim form and written evidence of loss must be furnished at the earliest, but not later than 30 days after the date of loss.","display":"Within 48 hours for in-patient care, emergency repatriation or trip curtailment; claim evidence at the earliest and not later than 30 days after loss","note":null,"quote":"Completed Claim Form with written evidence of loss in the form of Claim Documents mentioned in the policy must be furnished at the earliest to the Company, but not later than thirty (30) days after the date of such loss. ... For In-Patient care, Emergency Repatriation or Trip curtailment the Assistance Company must be notified within 48 hours of admission to hospital and for Trip curtailment, prior to departure back to the usual Country of Residence.","sources":[{"clause":"50(f)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-50-f"},{"clause":"50(b)","heading":null,"page":49,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-50-b-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled Claim form","original ticket / boarding pass or a copy of the passport indicating the travel dates","Medical reports and discharge summary","Original hospital bills with proper description of services rendered and payment receipts","FIR/Copy of police report","Property Irregularity Report issued by the Common Carrier","Proof of death or hospitalization","All original bills and receipts for expenses which got forfeited, non-refundable in nature"],"display":"Claim form; travel proof; medical reports and bills; police/FIR reports; Property Irregularity Report; proof of death or hospitalisation; original forfeited/non-refundable bills and receipts","note":"Documents vary by cover and the Company may seek additional documents depending on the case.","quote":"Duly filled Claim form with the documents as listed below, original ticket / boarding pass or a copy of the passport indicating the travel dates must be submitted with every claim. ... Emergency Medical Expenses / Hospital Daily Cash | • Medical reports and discharge summary issued by the hospital or prescriptions and medical records from the medical practitioner furnishing the name of the insured, period of treatment and details of treatment rendered i.e. line of treatment and final diagnosis. • Original hospital bills with proper description of services rendered and payment receipts towards expenses incurred ... Loss of Passport and Travel Documents | • FIR/Copy of police report mentioning the reason of loss ... Delay of Checked-in Baggage | • Copy of passport, visa with entry and exit stamp • Air tickets and boarding pass • Property Irregularity Report issued by the Common Carrier. ... Trip Cancellation | • Proof of death or hospitalization of Insured Person or of spouse, parents & children. (if applicable) ... • All original bills and receipts for expenses which got forfeited, non-refundable in nature.","sources":[{"clause":"50(b)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-50-b-5"},{"clause":null,"heading":"Global Travel Insurance","page":51,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-51"},{"clause":null,"heading":"Global Travel Insurance","page":52,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-52"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The decision of accepting, settling or rejecting a claim must be within 10 days of receipt of the last necessary document. If payment is delayed, the Company is liable to pay penal interest at 2% above the Bank rate prevalent at the beginning of the financial year in which the claim is reviewed.","display":"Decision within 10 days of receipt of last necessary document; delay interest 2% above Bank rate","note":null,"quote":"The decision of accepting/settling or rejecting any claims shall be within 10 days of receipt of last necessary document. ... In case of delay in the payment, the Company shall be liable to pay penal interest at a rate which is 2% above the Bank rate prevalent at the beginning of the financial year in which the claim is reviewed.","sources":[{"clause":"50(e)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-50-e-2"},{"clause":"50(f)","heading":null,"page":50,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-50-f-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["any treatment which could in the opinion of the Servicing / Assistance Company and attending Doctor be or have been delayed until the Insured Person’s return to India","Trips booked or commenced where the insured is travelling against medical advice or after receipt of a terminal prognosis or with the intention of obtaining medical treatment or convalescent care.","Pre-existing condition(s)/ diseases (s)/illnesse(s)/Injury and its complications are excluded from the scope of cover.","Any intentional, reckless or criminal act, suicide, or attempted suicide, or the use or abuse of any drugs, alcohol and the like;","War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority or terrorism or terrorist acts.","HIV, AIDS and all related medical conditions.","Routine physical tests and/ or examination of any kind not consistent with or incidental to the diagnosis and treatment of any Illness or Injury either in a Hospital or as an outpatient.","Any hospital admission required for a diagnostic reason or for investigation.","Any treatment or expenses related to childbirth, miscarriage or pregnancy.","Sports or leisure activities where there is a significant risk of bodily injury","Any expenses incurred as a result of a Pre-Existing Condition, congenital and/or Chronic medical condition and any related treatment, repatriation, evacuation, or Emergency room expenses."],"display":"Delayed treatment until return to India; travel against medical advice or for treatment; pre-existing conditions; intentional/criminal acts, suicide, drugs or alcohol; war and terrorism; HIV/AIDS; routine tests; diagnostic admissions; childbirth, miscarriage or pregnancy; high-risk sports unless covered; pre-existing, congenital or chronic medical expenses","note":"Some excluded risks can be covered only if the relevant optional cover is bought and mentioned in the Policy Schedule.","quote":"any treatment which could in the opinion of the Servicing / Assistance Company and attending Doctor be or have been delayed until the Insured Person’s return to India; ... Trips booked or commenced where the insured is travelling against medical advice or after receipt of a terminal prognosis or with the intention of obtaining medical treatment or convalescent care. ... Pre-existing condition(s)/ diseases (s)/illnesse(s)/Injury and its complications are excluded from the scope of cover. ... Any intentional, reckless or criminal act, suicide, or attempted suicide, or the use or abuse of any drugs, alcohol and the like; ... War (whether declared or not), civil war, invasion, act of foreign enemies, rebellion, revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrest, restraint or detainment, confiscation or nationalization or requisition of or damage by or under the order of any government or public local authority or terrorism or terrorist acts. ... HIV, AIDS and all related medical conditions. ... Routine physical tests and/ or examination of any kind not consistent with or incidental to the diagnosis and treatment of any Illness or Injury either in a Hospital or as an outpatient. ... Any hospital admission required for a diagnostic reason or for investigation. ... Any treatment or expenses related to childbirth, miscarriage or pregnancy. ... Sports or leisure activities where there is a significant risk of bodily injury (except for those as specified under sports/adventure activities section, and where any applicable additional premium has been paid) ... Any expenses incurred as a result of a Pre-Existing Condition, congenital and/or Chronic medical condition and any related treatment, repatriation, evacuation, or Emergency room expenses.","sources":[{"clause":"Section 7","heading":"GENERAL EXCLUSIONS (applicable to all covers under the policy)","page":45,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-section-7"},{"clause":"2","heading":null,"page":45,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-2-3"},{"clause":null,"heading":"Global Travel Insurance","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-13"},{"clause":"8","heading":null,"page":46,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-8-3"},{"clause":"7","heading":null,"page":46,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-7-3"},{"clause":"13","heading":null,"page":46,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-13-3"},{"clause":"15","heading":null,"page":46,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-15-2"},{"clause":"16","heading":null,"page":46,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-16-2"},{"clause":"32","heading":null,"page":47,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-32-2"},{"clause":"20","heading":"Sports or leisure activities where there","page":46,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-20-2"},{"clause":"26","heading":null,"page":47,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-26-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First register the complaint with Chola MS through customercare@cholams.murugappa.com, the website, toll-free number or courier to Manager, Customer Care. If dissatisfied or if there is no response, escalate to the Nodal Officer and then the Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"First write to customercare@cholams.murugappa.com; then Nodal Officer; then Chief Grievance Officer; then Ombudsman","note":null,"quote":"Mechanism for Grievance Redressal:- In case of any grievance the insured person may contact the company through\n Website : www.cholainsurance.com Toll free : 1800 208 9100 E-Mail : customercare@cholams.murugappa.com Courier : Manager, Customer Care, Chola MS General Insurance Company Limited, Hari Nivas Towers First Floor #163, Thambu Chetty Street, Parry’s Corner, Chennai -600001 ... • Please write to customercare@cholams.murugappa.com to register your complaint. ... • In case you are dissatisfied with the response or have not received a response, you may escalate the same to our Nodal Officer – Nodalescalation@cholams.murugappa.com (Quoting the previous Service request number)\n • In case you are still unhappy with the response or have not received a response within 7 working days, you may escalate the same to our Chief Grievance Officer - GRO@cholams.murugappa.com (Quoting the previous Service request number)\n • If after having followed the above steps and your issue still remain unresolved, you may approach the Insurance Ombudsman for Redressal.","sources":[{"clause":null,"heading":"GRIEVANCE REDRESSAL","page":58,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-grievance-redressal"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":58,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":59,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-escalation-matrix"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Emergency Medical Evacuation","Emergency Medical Repatriation","Transportation of Mortal Remains","Emergency Medical Expenses (Medex)","Dental Treatment Expenses","Fees of buying or Shipping of urgent medicines","Repatriation of Family member traveling with the insured","Loss of Passport and Travel Documents","Total Loss of Checked in Baggage","Delay of Checked in Baggage","Personal Money","Credit Card Fraud","Missed Departure / Connection","Trip Cancellation","Trip Curtailment","Personal Accident - Common Carrier","Cost of First Aid & Rescue","Compassionate visit - Travel & Accommodation","Personal Electronic Items","Trip Delay","Legal Defense","Bail bond","Personal Accident - Accidental Death Cover (AD)","Personal Liability","Quarantine benefit for COVID 19","Hospital Daily Cash","Lodging Expenses for the Family member during extension","Mugging","Flight Overbooking","Funeral cost","Home away protection","Partial Permanent Disability (Accident Only)"],"display":"Emergency medical, travel inconvenience, baggage, passport, accident, liability, quarantine, hospital cash, home-away and other listed travel covers","note":"Benefits depend on the plan opted and the Policy Schedule; optional benefits are not listed here.","quote":"1. Emergency Medical Evacuation | € 40,000 | $75000 | $75000 | $250000 | $750000 | $1,00,000 (forms part of Medex)\n 2. Emergency Medical Repatriation | € 50,000 | $75000 | $75000 | $100000 | $200000\n 3. Transportation of Mortal Remains | € 7,500 | $15000 | $15000 | $15000 | $20000 | $10,000\n 4. Emergency Medical Expenses (Medex) | 40000 ... 5. Dental Treatment Expenses ... 6. Fees of buying or Shipping of urgent medicines ... 7. Repatriation of Family member traveling with the insured ... 8. Loss of Passport and Travel Documents ... 9. Total Loss of Checked in Baggage ... 10. Delay of Checked in Baggage ... 11. Personal Money ... 12. Credit Card Fraud ... 13. Missed Departure / Connection ... 14. Trip Cancellation ... 15. Trip Curtailment ... 16. Personal Accident - Common Carrier ... 17. Cost of First Aid & Rescue ... 18. Compassionate visit - Travel & Accommodation ... 19. Personal Electronic Items ... 20. Trip Delay ... 21. Legal Defense ... 22. Bail bond ... 23. a Personal Accident - Accidental Death Cover (AD) ... 24. Personal Liability ... 25. Quarantine benefit for COVID 19 (upto 14 days) ... 26. Hospital Daily Cash (upto 7 days) ... 27. Lodging Expenses for the Family member during extension ... 28. Mugging ... 29. Flight Overbooking ... 30. Funeral cost ... 31. Home away protection ... 32. Partial Permanent Disability (Accident Only)","sources":[{"clause":"Section 4","heading":"SCHEDULE OF BENEFITS","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-section-4"},{"clause":null,"heading":"Global Travel Insurance","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-8"},{"clause":null,"heading":"Global Travel Insurance","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-9"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"A Single Trip policy is not cancellable and not refundable while effective. Before the proposed journey starts, the proposer may cancel by written notice if the journey has not commenced, with cancellation charges deducted; if no claim is reported, the insurer may retain the higher of 25% of premium or Rs.250 for individual policies and Rs.500 for Annual multi trip policy, and partial refund is not allowed.","display":"Single trip not cancellable/refundable while effective; before travel, refund after retaining higher of 25% of premium or Rs.250 for individual policies and Rs.500 for Annual multi trip policy; no partial refund","note":"The clause expressly mentions proposer cancellation before commencement of the proposed journey; free-look cancellation for Annual Multi Trip is separate.","quote":"Single trip policy is not cancellable and not refundable while effective. The Single trip policy may be cancelled by the Proposer anytime before the commencement of the proposed journey by giving notice in writing to the Insurer as long as the Proposer is able to establish ... Upon such cancellation, and where no claim has been reported under this policy, the Insurer shall be entitled to deduct cancellation charges, subject to retaining the higher of i. 25% of the premium or ii. Rs.250/- for individual policies and Rs.500 for Annual multi trip policy.\n Partial refund of the premium is not allowed in this policy.","sources":[{"clause":"50(f)","heading":null,"page":57,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-50-f-4"},{"clause":null,"heading":"Global Travel Insurance","page":58,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-58"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The geographical areas offered are Schengen, Worldwide and Worldwide (Excluding US & Canada). The cover applies outside India/Country of Residence and to countries stated in the Policy Schedule, excluding India, the insured’s Country of Residence, countries under Government of India travel or other restrictions, and war zones as per the Terrorism Cover section.","display":"Schengen; Worldwide; Worldwide (Excluding US & Canada), outside the Country of Residence and excluding India/restricted countries/war zones","note":null,"quote":"1. Schengen\n 2. Worldwide\n 3. Worldwide (Excluding US & Canada)\n The geographical scope of services and coverage is limited only to outside the Country of Residence; any treatment for an Insured Event shall not be covered in the insured’s Country of Residence. ... Territorial Limits: The insurance cover applies to all countries stated in the Policy Schedule (excluding India, the Insured Person’s Country of Residence and countries subject to travel and other restrictions imposed by the Government of India at any time and all war zones as per the Terrorism Cover section) during the Policy Period for the travel days specified in the schedule","sources":[{"clause":"4","heading":"Geographical Area of cover","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-4"},{"clause":null,"heading":"Global Travel Insurance","page":58,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-58"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"quote-verified","value":"Emergency Medical Expenses cover indemnifies emergency medical treatment costs for disease, illness or injury contracted or sustained for the first time while on a trip during the policy period, in excess of the deductible and up to the plan limit. The schedule shows Medex limits of 40000 under Schengen, $75000 under Outbound Family and Outbound Basic, $250000 under Outbound Extra, $750000 under Outbound Prime, and $1,000,000 under Diamond, with COVID-19 Stabilisation Expenses sublimits except Diamond.","display":"Emergency Medical Expenses (Medex): 40000 Schengen; $75000 Family/Basic; $250000 Extra; $750000 Prime; $1,000,000 Diamond","note":"The Schengen Medex figure is printed as 40000 in the schedule; other plans are printed in dollars.","quote":"4. Emergency Medical Expenses (Medex) | 40000 (with a sublimit of 5000 for COVID-19 Stabilisation Expenses) | $75000 (with a sublimit of $5000 for COVID-19 Stabilisation Expenses) | $75000 (with a sublimit of $5000 for COVID-19 Stabilisation Expenses) | $250000 (with a sublimit of $15000 for COVID-19 Stabilisation Expenses) | $750000(with a sublimit of $20000 for COVID-19 Stabilisation Expenses) | $1,000,000 ... The Company will Indemnify the Insured for the cost incurred towards Medical expenses for emergency medical treatment required on account of any disease/illness contracted or injury sustained by the Insured for the first time as certified by the Medical Practitioner, whilst on a trip during the Period of Insurance up to the limit of Sum Insured in excess of the deductible as mentioned in the Policy Schedule.","sources":[{"clause":"Section 4","heading":"SCHEDULE OF BENEFITS","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-section-4"},{"clause":"4","heading":"EMERGENCY MEDICAL EXPENSES (MEDEX)","page":11,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-4-2"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Pre-existing conditions are not covered. The policy excludes pre-existing condition(s), diseases, illnesses, injury and complications from Emergency Medical Expenses, and excludes expenses arising from a Pre-Existing Condition, congenital and/or chronic medical condition and related treatment, repatriation, evacuation or emergency room expenses.","display":"Pre-existing conditions and complications are excluded","note":null,"quote":"Pre-existing condition(s)/ diseases (s)/illnesse(s)/Injury and its complications are excluded from the scope of cover. ... Any expenses incurred as a result of a Pre-Existing Condition, congenital and/or Chronic medical condition and any related treatment, repatriation, evacuation, or Emergency room expenses.","sources":[{"clause":null,"heading":"Global Travel Insurance","page":13,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-13"},{"clause":"26","heading":null,"page":47,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-26-2"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"quote-verified","value":"Trip Cancellation reimburses non-refundable prepaid lodging, ticket cancellation, sightseeing, cruise and event costs if a trip is cancelled for listed reasons. Trip Curtailment reimburses non-refundable expenses for cutting short the trip and additional transportation expenses for listed reasons; plan limits are shown in the schedule.","display":"Trip Cancellation limits: €2,500, $3,500, $3,500, $2,000, $2,500, $10,000 by plan; Trip Curtailment limits: €2,500, $3,500, $3,500, $2,000, $2,500, $5,000 by plan","note":"Covered cancellation/curtailment reasons include non-pre-existing illness/injury requiring at least 2 nights hospital stay, specified family death, redundancy, witness summons, jury service, compulsory quarantine, and serious damage to residence or business.","quote":"14. Trip Cancellation | € 2,500 | $3,500 | $3,500 | $2,000 | $2,500 | $10,000\n 15. Trip Curtailment | € 2,500 | $3,500 | $3,500 | $2,000 | $2,500 | $5,000 ... Specific Definition applicable to Trip Cancellation:\n Trip Cancellation Benefits: Trips that are cancelled before the scheduled departure due to the reasons mentioned above. Company will reimburse for the non-refundable portion of the pre-paid lodging cost and/or the ticket cancellation charges, any sightseeing booked, cruise ticket, events, which are paid in advance or contracted to be paid by the Insured Person ... In the event of curtailment of Trip during the Policy Period, outside the Country of Residence, the Insurer will reimburse non-refundable expenses on cutting short the Overseas Travel Tickets, Hotel booking or Scheduled Tour Booking up to the Sum Insured mentioned in the Policy Schedule","sources":[{"clause":null,"heading":"Global Travel Insurance","page":8,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-8"},{"clause":"14","heading":"TRIP CANCELLATION","page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-14"},{"clause":"15","heading":"TRIP CURTAILMENT","page":24,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-15"}],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"Total Loss of Checked in Baggage reimburses clothing and personal effects stored in checked-in accompanying baggage that is permanently lost by the carrier during the trip abroad. Delay of Checked in Baggage pays for replacement essential items if checked-in baggage is delayed for more than 4 hours as per plan, up to the schedule Sum Insured, subject to offset against Total Loss of Checked in Baggage.","display":"Total loss of checked-in baggage and delay of checked-in baggage after more than 4 hours, with plan limits in the schedule","note":"The schedule prints a 3 hours deductible for Diamond delay of checked-in baggage; other listed plans show 4 hours.","quote":"9. Total Loss of Checked in Baggage | € 1,000 | $37.5 per Kilograms upto a maximum of 40 Kilograms | $37.5 per Kilograms upto a maximum of 40 Kilograms | $25.0 per Kilograms upto a maximum of 40 Kilograms | $37.5 per Kilograms upto a maximum of 40 Kilograms | $125 per Kilograms upto a maximum of 40 Kilograms\n 10. Delay of Checked in Baggage | 1000, Deductible - 4 hours | $750 / Deductible - 4 hours | $750 / Deductible - 4 hours | $2,500 / Deductible - 4 hours | $5,000 / Deductible - 4 hours | $1000 / Deductible - 3 hours ... If at anytime during the Policy period, the Insured Person’s checked-in accompanying baggage is permanently lost by the carrier (land, sea or air) to whom it was entrusted during the trip abroad, then the Company shall reimburse for the clothing and the personal effects which are stored in the personal baggage that is lost. ... If the arrival of the Insured Person’s checked-in accompanying baggage for a journey Overseas is delayed by the carrier (land, sea or air) to whom it was entrusted for more than 4 (Four) hours as per the plan opted from the scheduled arrival time, then the Insurer will pay the expenses towards the costs of the Insured Person’s purchase of replacement of essential items","sources":[{"clause":"Section 4","heading":"SCHEDULE OF BENEFITS","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-section-4"},{"clause":"9(b)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-9-b-3"},{"clause":"10","heading":"DELAY OF CHECKED IN BAGGAGE","page":18,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-10"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"If the insured person’s passport is lost or stolen during a trip abroad, the Company reimburses actual necessary and reasonable expenses for obtaining a duplicate or fresh passport and travel documents, including stolen travel documents/tickets, travellers cheques or an Emergency Certificate, up to the Sum Insured in the Policy Schedule.","display":"Loss of Passport and Travel Documents up to €1,000 / $500 / $500 / $10,000 / $15,000 / $750 by plan","note":"The incident must be reported to police within 24 hours and the benefit is for insured contingencies happening abroad.","quote":"8. Loss of Passport and Travel Documents | € 1,000 | $500 | $500 | $10,000 | $15,000 | $750 ... If at any time during the Policy Period, the Insured Person’s passport is lost or stolen during a trip abroad, the Company will reimburse the actual expenses necessarily and reasonably incurred in connection with obtaining a duplicate or fresh passport and travel document like obtaining/replacing the stolen travel documents/tickets and travelers cheques or issuance of an Emergency Certificate from the concerned consulate up to the Sum Insured mentioned in the Policy Schedule.","sources":[{"clause":"Section 4","heading":"SCHEDULE OF BENEFITS","page":7,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-section-4"},{"clause":"9(c)(ii)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-9-c-ii"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"quote-verified","value":"The Emergency Medical Expenses deductible applies on each and every admissible claim, in Euro under Schengen and in dollars in all other plans: 1D-18 years NIL, 19 years-70 years 50, 71 years-75 years 200, 76 years-80 years 500, and 81 years-85 years 1000. Other deductibles are as specified in the Policy Schedule and are applied for each separate incident reported for claims payment.","display":"Medex per-claim deductible: 1D-18 years NIL; 19-70 years 50; 71-75 years 200; 76-80 years 500; 81-85 years 1000","note":"The optional Waiver of Deductible cover can waive the Emergency Medical Expenses deductible for insured persons up to 75 years of age if bought.","quote":"The deductible listed below (in Euro under Schengen plan and in $ in all other plans) shall be applied on each and every claim admissible under ‘Emergency Medical Expenses (Medex)’ cover of the policy, as per the age of the Insured claimant.\n Age of the Insured | DEDUCTIBLE\n 1D - 18 years | NIL\n 19 years -70 years | 50\n 71 years -75 years | 200\n 76 years - 80 years | 500\n 81 years - 85 years | 1000 ... Deductible: The deductible in respect of this Policy will be applicable for each and every claim separately and shall be of an amount/hours/days as specified in the Policy Schedule. Deductible will be applied for each separate incident reported for claims payment, even though the claim may be registered under the same benefit more than once.","sources":[{"clause":null,"heading":"Global Travel Insurance","page":9,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-9"},{"clause":null,"heading":"Global Travel Insurance","page":10,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-10"}],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"Single Trip policies can be issued for a single trip not exceeding 90 days. Annual Multi Trip policies can be issued for 180 days or 365 days, with each single trip not exceeding the specified number of days in the Policy Schedule, stated as 90 days; one-way travel has a maximum duration as mentioned in the Policy Schedule.","display":"Single Trip: up to 90 days; Annual Multi Trip: 180 or 365 days, each trip up to 90 days; one-way: as in Policy Schedule","note":null,"quote":"Policies covering single trips can be issued upto a single trip not exceeding 90 days. ... Policies covering Annual Multi Trips can be issued for a period of 180 days or 365 days covering multiple single trips within the period of insurance with each and every single trip not exceeding a specified number of days as mentioned in the Policy Schedule, ie. 90 days ... Policy is applicable for one-way travel also, including immigration travel with a condition for maximum duration of coverage limited to specified number of days as mentioned in the Policy Schedule.","sources":[{"clause":"Section 3","heading":"SCOPE OF SERVICES","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-section-3"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Annual Multi Trip Policy only.","quote":"Free Look Period: You shall be allowed a Free look period of 30 days for Annual Multi Trip Policy, from the date of receipt of this policy to review the terms and conditions of the policy and to return the same if not acceptable. The Insured can return the policy within 30 days of its receipt if he/she is not satisfied with its coverage or terms and conditions.","sources":[{"clause":null,"heading":"Global Travel Insurance","page":58,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-global-travel-insurance-58"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Entry age for the insured member is between 01 month and 85 years completed age.","display":"01 month to 85 years (completed age)","note":"Available for persons having Country of Residence and Place of residence in India.","quote":"Entry age for the Insured member should be between 01 month to 85 years (completed age).","sources":[{"clause":"Section 2","heading":"PERSONS ELIGBLE FOR COVERAGE","page":6,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553#c-section-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Global Travel Insurance CHOTIOP26037V012526-Policywording.pdf","pages":62,"fetched_at":"2026-10-17 19:31:53+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Global%20Travel%20Insurance%20CHOTIOP26037V012526-Policywording.pdf/56c81571-b849-4a5b-3666-3238706b28f8","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4553"},{"kind":"prospectus","label":"Global Travel Insurance CHOTIOP26037V012526-Prospectus.pdf","pages":68,"fetched_at":"2026-10-17 19:32:21+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Global%20Travel%20Insurance%20CHOTIOP26037V012526-Prospectus.pdf/4cb79aac-5a67-deae-17b6-67c376f5745c","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4568"},{"kind":"cis","label":"Global Travel Insurance CHOTIOP26037V012526-CIS.pdf","pages":4,"fetched_at":"2026-10-17 19:31:21+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Global%20Travel%20Insurance%20CHOTIOP26037V012526-CIS.pdf/1ad4e26d-79a4-3e60-f56b-ddfa111f930e","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/4537"},{"kind":"premium","label":"Global Travel Insurance CHOTIOP26037V012526-Ratechart.pdf","pages":null,"fetched_at":"2026-10-17 19:30:59+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Global%20Travel%20Insurance%20CHOTIOP26037V012526-Ratechart.pdf/7251b355-462c-ecea-dbd4-ef7129b910e4","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/19525"},{"kind":"proposal","label":"Global Travel Insurance CHOTIOP26037V012526-Proposal form.pdf","pages":null,"fetched_at":"2026-10-17 19:30:58+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Global%20Travel%20Insurance%20CHOTIOP26037V012526-Proposal%20form.pdf/44632fdf-03ac-fceb-9f8e-dea2e9d457b2","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526/document/19524"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Cholamandalam MS General Insurance official website","url":"https://www.cholainsurance.com","note":"Website as listed by IRDAI. Not checked: the site returned HTTP 502 to our crawler on 2026-10-19."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Global Travel Insurance (UIN CHOTIOP26037V012526), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/global-travel-insurance-chotiop26037v012526"}