{"uin":"CHOTOIP06001V010506","name":"Chola Overseas Travel Protection Policy","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506","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":"Chola Overseas Travel Protection Policy is an overseas travel insurance policy with short-term, annual multi-trip, family and senior citizen variants. It covers overseas medical expenses up to plan limits, checked baggage loss and delay, passport loss, personal accident, personal liability, trip cancellation or curtailment, trip delay and home burglary subject to deductibles and exclusions.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:58:42.410066+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":["Short Term Travel","Annual Multi-trip (IMT)","Family travel","Senior citizen Plan (ISC)","Silver","Gold","Platinum","Superior Gold","Superior Silver","Bronze 25","Bronze 50"],"display":"Short Term Travel, Annual Multi-trip (IMT), Family travel, Senior citizen Plan (ISC); benefit options include Silver, Gold, Platinum, Superior Gold, Superior Silver, Bronze 25 and Bronze 50","note":"Benefit limits vary by option and by short-term, annual multi-trip, family and senior-citizen variants.","quote":"Short Term Travel ... The Proposer can select from three different options – Silver, Gold or Platinum ... Annual Multi-trip (IMT) ... Family travel ... Senior citizen Plan (ISC) ... Cover Number | Deductible | Bronze 25 | Bronze 50 ... Cover Number | Deductible | Senior Citizen Plan | Superior Silver","sources":[{"clause":null,"heading":"Short Term Travel","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-short-term-travel"},{"clause":null,"heading":"Benefits","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-benefits"},{"clause":null,"heading":"Annual Multi-trip (IMT)","page":2,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-annual-multi-trip-imt"},{"clause":null,"heading":"Family travel","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-family-travel"},{"clause":null,"heading":"Senior citizen Plan (ISC)","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-senior-citizen-plan-isc"},{"clause":null,"heading":"Benefits","page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-benefits-3"}],"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":"Short-term travel can be insured for up to 180 days and may be extended once; for insured persons up to age 60, total trip duration including extension must not exceed 360 days, and for insured persons over 60 it must not exceed 180 days. Annual multi-trip can be issued for one year and renewed for 12 months; family travel can be issued for 90 days.","display":"Short-term up to 180 days, extendable once; maximum 360 days up to age 60 and 180 days over age 60. Annual multi-trip is one year; family travel is 90 days.","note":"For an Annual Multi-trip policy, the wording says to refer to the policy schedule for the maximum trip duration for each trip.","quote":"The maximum number of travel days that may be insured, under the policy, shall be 180 days. Provided that the policy may be extended only once beyond the initial period of 180 days during the trip duration by a maximum of additional 180 days. Provided further that for an Insured being up to the age of 60 years, the maximum trip duration (including the extension as provided earlier) shall not exceed 360 days in total, and for an Insured being more than 60 years of age, the maximum trip duration (including the extension as provided earlier) shall not exceed 180 days in total. ... c) The policy can be issued for one year ... 3) The policy can be issued for 90 days ... This Annual multi trip policy can be renewed for a period of 12 months subject to payment of premium prior to expiry of the policy and not later than 30 days grace period posts the expiry of the policy. Single trip policy is non renewable.","sources":[{"clause":"4","heading":"GENERAL CONDITIONS (Applicable to all covers under the policy)","page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4"},{"clause":"6(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-6-c"},{"clause":null,"heading":"Family travel","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-family-travel"},{"clause":"4(b)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-b-6"}],"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":"The policy requires immediate notice to the Overseas or Indian Administrator where a claim may arise. A completed claim form with written evidence of loss must be furnished at the earliest and not later than thirty (30) days after the loss, and all claims must be submitted not later than one (1) month after the return date, risk end date, completion of treatment or transportation home, or after transportation or burial in case of death.","display":"Immediate notice; claim form and evidence at earliest, not later than thirty (30) days after loss; all claims within one (1) month after return/risk end/treatment or transportation home.","note":"Some covers add specific reporting duties, for example passport loss and financial emergency exclusions refer to 24-hour reporting.","quote":"in any case, if there is an event which would result in a claim under this policy, due notice should be given to the Overseas Administrator immediately on the Insured Person becomes aware of the same. ... 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. ... All Claims must be submitted to Indian Administrator or Overseas Administrator not later than one (1) month after the return date or (Risk End date) or the completion of the treatment or transportation home, or in the event of death, after transportation of the mortal remains/ burial.","sources":[{"clause":"2.1.2(e)","heading":null,"page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-1-2-e-2"},{"clause":"4(c)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-c"},{"clause":"4(a)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-a-4"}],"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 with the documents as indicated.","The original ticket / boarding pass or a copy of the passport indicating the travel dates must be submitted with every claim, along with the completed claims form.","For Medical expenses - Please attach Doctor’s reports, Original admission / discharge card, Original bills / receipts / with prescriptions and diagnostic / investigative reports, Copy of passport / visa with entry and exit stamp and copy of the ticket and boarding pass.","Total Loss of Checked-In Baggage and Hand baggage: Please attach the details of individual items lost, approximate cost and purchase date, Copies of baggage tags, Copies of correspondence with airline authorities / others about loss of checked baggage, along with details of compensation received from airlines / other authorities (if any), Property Irregularity Report (obtained from airline), Copy of the passport / visa with entry & exit stamp, Adequate proof of ownership in excess of the Indian rupee equivalent of US $ 100 for loss/delay of checked-in baggage will need to be submitted.","Loss of Passport: Please attach Copy of new passport, Copy of previous passport (if available), Original bills / invoices of expenses incurred for obtaining a new passport, Copy of FIR / police report.","Trip Cancellation or Trip Curtailment - Please attach the details of expenses incurred, Original bills of expenses incurred due to cancellation, Copies of cancellation correspondence with airline authorities, hotel, car rental and tour operator certifying the cancellation, along with details of compensation received from airlines / other authorities (if any), Copy of ticket & boarding pass (if any), Copy of the passport / visa with entry & exit stamp (if any), Proof of the reason for cancellation like Death certificate etc."],"display":"Claim form, travel proof, and cover-specific documents such as medical records/bills, baggage PIR, police/FIR reports, invoices and cancellation correspondence.","note":"The policy also says any other documents required to process the claim may be asked for.","quote":"Duly filled Claim form with the documents as indicated. ... The original ticket / boarding pass or a copy of the passport indicating the travel dates must be submitted with every claim, along with the completed claims form. ... For Medical expenses - Please attach Doctor’s reports, Original admission / discharge card, Original bills / receipts / with prescriptions and diagnostic / investigative reports, Copy of passport / visa with entry and exit stamp and copy of the ticket and boarding pass. ... Total Loss of Checked-In Baggage and Hand baggage: Please attach the details of individual items lost, approximate cost and purchase date, Copies of baggage tags, Copies of correspondence with airline authorities / others about loss of checked baggage, along with details of compensation received from airlines / other authorities (if any), Property Irregularity Report (obtained from airline), Copy of the passport / visa with entry & exit stamp, Adequate proof of ownership in excess of the Indian rupee equivalent of US $ 100 for loss/delay of checked-in baggage will need to be submitted. ... Loss of Passport: Please attach Copy of new passport, Copy of previous passport (if available), Original bills / invoices of expenses incurred for obtaining a new passport, Copy of FIR / police report. ... Trip Cancellation or Trip Curtailment - Please attach the details of expenses incurred, Original bills of expenses incurred due to cancellation, Copies of cancellation correspondence with airline authorities, hotel, car rental and tour operator certifying the cancellation, along with details of compensation received from airlines / other authorities (if any), Copy of ticket & boarding pass (if any), Copy of the passport / visa with entry & exit stamp (if any), Proof of the reason for cancellation like Death certificate etc.","sources":[{"clause":"4(a)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-a-3"},{"clause":"4(b)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-b-3"},{"clause":"4(c)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-c-3"},{"clause":"4(h)","heading":"Total Loss of Checked-In Baggage and Hand baggage","page":36,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-h"},{"clause":"4(j)","heading":"Loss of Passport","page":37,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-j"},{"clause":"4(p)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-p"}],"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":"not-stated","value":null,"display":null,"note":"The wording describes direct settlement or reimbursement on submission of required documents and penal interest for delay, but it does not state a fixed time within which a claim will be decided or paid.","quote":null,"sources":[],"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, arising due to a Pre-existing condition;","any Illness and the consequences of such Illnesses existing at the commencement of the travel Overseas or treated in the 48 months before the commencement of the travel Overseas, unless the medical attention is unforeseen and necessary to avert a clear and material danger to life or to relieve acute pain and suffering","any treatment if that is the sole reason or one of the reasons for the travel Overseas;","any treatment which could in the opinion of the Overseas Administrator and attending Doctor be or have been delayed until the Insured’s return to India;","treatment by relatives;","any kind of Consequential loss;","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.","Any intentional, reckless or criminal act, suicide, or attempted suicide, or the use or abuse of any drugs, alcohol and the like;","ionising radiation or contamination by radioactivity from any nuclear waste from combustion of nuclear fuel","Participation in naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy whether foreign or domestic;","HIV, AIDS and all related medical conditions.","Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semi-professional sportspersons, unless declared beforehand and necessary applicable premium paid."],"display":"Pre-existing condition treatment, travel for treatment, treatment deferrable until return to India, treatment by relatives, consequential loss, war/terrorism, intentional or criminal acts, suicide/attempted suicide, drugs/alcohol, nuclear/radioactivity, military operations, HIV/AIDS, and professional/semi-professional sports unless declared and premium paid.","note":"The terrorism exclusion does not apply to the Hijack Relief scope, as stated in the general exclusions.","quote":"a) any treatment, arising due to a Pre-existing condition; ... c) any Illness and the consequences of such Illnesses:\ni) existing at the commencement of the travel Overseas;\nii) treated in the 48 months before the commencement of the travel Overseas;unless the medical attention is, in the opinion of Overseas Administrator, unforeseen, and is necessary to avert a clear and material danger to the Insured Person’s life or to relieve acute pain and suffering; ... a) any treatment if that is the sole reason or one of the reasons for the travel Overseas;\nb) any treatment which could in the opinion of the Overseas Administrator and attending Doctor be or have been delayed until the Insured’s return to India;\nc) treatment by relatives;\nd) any kind of Consequential loss;\ne) 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. However, for the scope of the Hijack Relief only, terrorism exclusion shall stand excluded from the General Exclusions category.\nf) Any intentional, reckless or criminal act, suicide, or attempted suicide, or the use or abuse of any drugs, alcohol and the like;\ng) ionising radiation or contamination by radioactivity from any nuclear waste from combustion of nuclear fuel; ... h) Participation in naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy whether foreign or domestic; ... j) HIV, AIDS and all related medical conditions. ... l) Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semi-professional sportspersons, unless declared beforehand and necessary applicable premium paid.","sources":[{"clause":"2.1.2(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-1-2-a"},{"clause":"2.1.2(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-1-2-c"},{"clause":"3","heading":"GENERAL EXCUSIONS (applicable to all covers under the policy)","page":33,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-3"}],"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 contact Chola MS General Insurance through the website, toll-free number, customercare email or Customer Care Manager address. To register a complaint, write to customercare@cholams.murugappa.com; if dissatisfied or there is delay over 7 working days, escalate to the Nodal Officer and then Chief Grievance Officer before approaching the Insurance Ombudsman.","display":"First contact Chola MS Customer Care; then Nodal Officer; then Chief Grievance Officer; then Insurance Ombudsman.","note":null,"quote":"In case of any grievance the insured person may contact the company through 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 not happy with the resolution provided or delay of greater than 7 working days, you may follow the below escalation matrix. ... 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":"5","heading":"GRIEVANCES Mechanism for Grievance Redressal:-","page":42,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-5"},{"clause":null,"heading":"Procedure of Grievance Redressal","page":43,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-procedure-of-grievance-redressal"},{"clause":null,"heading":"Escalation Matrix","page":43,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#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":["Overseas Medical Expenses","Dental Treatment Expenses","Total Loss of Checked-In-Baggage","Delay of Checked-In Baggage","Loss of Passport","Loss of International Driving Licence","Personal Accident – Overseas","Personal Accident – Domestic","Personal Liability","Financial Emergency","Hospital Daily Cash","Hijack Relief","Trip Cancellation","Trip Curtailment","Trip Delay","Home Burglary"],"display":"Overseas medical, dental, baggage loss/delay, passport/licence loss, overseas and domestic personal accident, personal liability, financial emergency, hospital daily cash, hijack, trip cancellation/curtailment/delay and home burglary.","note":"Some benefits are not available under every plan option.","quote":"2.1 Overseas Medical Expenses ... 2.2 Dental Treatment Expenses ... 2.3 Total Loss of Checked-In-Baggage ... 2.4 Delay of Checked-In Baggage ... 2.5 Loss of Passport ... 2.6 Loss of International Driving Licence ... 2.7 Personal Accident – Overseas ... 2.8 Personal Accident – Domestic ... 2.9 Personal Liability ... 2.10 Financial Emergency ... 2.11 Hospital Daily Cash ... 2.12 Hijack Relief ... 2.13 Trip Cancellation ... 2.14 Trip Curtailment ... 2.15 Trip Delay ... 2.16 Home Burglary","sources":[{"clause":"2.1","heading":"Overseas Medical Expenses","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-1"},{"clause":"2.2","heading":"Dental Treatment Expenses","page":17,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-2"},{"clause":"2.3","heading":"Total Loss of Checked-In-Baggage","page":19,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-3"},{"clause":"2.4","heading":"Delay of Checked-In Baggage","page":21,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-4"},{"clause":"2.5","heading":"Loss of Passport","page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-5"},{"clause":"2.6","heading":"Loss of International Driving Licence","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-6"},{"clause":"2.7","heading":"Personal Accident – Overseas","page":23,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-7"},{"clause":"2.8","heading":"Personal Accident – Domestic","page":25,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-8"},{"clause":"2.9","heading":"Personal Liability","page":26,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-9"},{"clause":"2.10","heading":"Financial Emergency","page":27,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-10"},{"clause":"2.11","heading":"Hospital Daily Cash","page":28,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-11"},{"clause":"2.12","heading":"Hijack Relief","page":29,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-12"},{"clause":"2.13","heading":"Trip Cancellation","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-13"},{"clause":"2.14","heading":"Trip Curtailment","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-14"},{"clause":"2.15","heading":"Trip Delay","page":31,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-15"},{"clause":"2.16","heading":"Home Burglary","page":32,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-16"}],"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 commencement of the proposed journey, the proposer may cancel by written notice if the journey has not commenced and no claim has been reported; the insurer may deduct cancellation charges by retaining 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 is not cancellable/refundable while effective; before journey starts, refund after cancellation charges, retaining higher of 25% premium or Rs.250 individual/Rs.500 annual multi trip; no partial refund.","note":"The same cancellation clause also describes insurer-initiated cancellation and pro-rata refunds in some cases.","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 to the Insurer’s satisfaction that the proposed journey has not commenced and will be subject to deduction of cancellation charged by the insurer. 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. Partial refund of the premium is not allowed in this policy.","sources":[{"clause":"4(f)","heading":null,"page":39,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-f-3"},{"clause":"4(f)(i)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-f-i"},{"clause":"4(f)(ii)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-f-ii"}],"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":"Cover applies to all countries stated in the Policy Certificate, excluding India, the insured person's country of citizenship, and countries subject to travel and other restrictions imposed by the Government of India at any time.","display":"All countries stated in the Policy Certificate, excluding India, the insured person's country of citizenship and Government of India restricted countries.","note":null,"quote":"The insurance cover applies to all countries stated in the Policy Certificate, (excluding India, the Insured Person’s country of citizenship and countries subject to travel and other restrictions imposed by the Government of India at any time) during the Policy Period for the travel days specified in the schedule","sources":[{"clause":null,"heading":"30 Territorial Limits","page":41,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-30-territorial-limits"}],"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":"If first diagnosed with illness or suffers accidental bodily injury while overseas requiring immediate medical attention, the insurer indemnifies medical expenses incurred in a hospital overseas up to the limit of indemnity and in excess of the deductible. Prospectus plan limits for medical treatment range from USD 25,000 to USD 500,000, with transportation of mortal remains up to USD 7,500.","display":"Overseas hospital medical expenses for illness or accidental bodily injury needing immediate attention; medical treatment limits range from $25,000 to $500,000, with mortal remains up to $ 7,500/-.","note":"Limits vary by plan option; policy wording refers to the limit of indemnity in the schedule, while the prospectus prints the plan limits.","quote":"If the Insured Person is first diagnosed with an Illness or suffers Accidental Bodily Injury while Overseas, which requires immediate medical attention, then the Insurer will indemnify the Insured Person for the amount upto the Limit of Indemnity for Medical Expenses incurred in a Hospital taken Overseas during the Policy Period. The Insurer’s liability to make payment is only in excess of the Deductible. ... Medical Treatment including Transportation of Mortal Remains up to $ 7,500/- | $100 | $500,000 | $250,000 | $100,000 | $100,000 | $50,000 ... Cover Number | Deductible | Bronze 25 | Bronze 50\n1 | Medical Treatment including Transportation of Mortal Remains up to $ 7,500/- | $100 | $25,000 | $50,000","sources":[{"clause":"2.1","heading":"Overseas Medical Expenses","page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-1"},{"clause":null,"heading":"Benefits","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-benefits"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Treatment arising due to a pre-existing condition is excluded. For illness existing at commencement of overseas travel or treated in the 48 months before travel, the exclusion has an exception where the medical attention is unforeseen and necessary to avert a clear and material danger to life or to relieve acute pain and suffering.","display":"Generally excluded, but emergencies from illness existing at travel start or treated in the previous 48 months may be covered if unforeseen and necessary to avert clear/material danger to life or relieve acute pain and suffering.","note":"The wording contains both a blanket pre-existing-condition exclusion and a 48-month illness exclusion with an emergency exception.","quote":"a) any treatment, arising due to a Pre-existing condition; ... c) any Illness and the consequences of such Illnesses:\ni) existing at the commencement of the travel Overseas;\nii) treated in the 48 months before the commencement of the travel Overseas;unless the medical attention is, in the opinion of Overseas Administrator, unforeseen, and is necessary to avert a clear and material danger to the Insured Person’s life or to relieve acute pain and suffering;","sources":[{"clause":"2.1.2(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-1-2-a"},{"clause":"2.1.2(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-1-2-c"}],"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 before commencement in India and trip curtailment overseas reimburse non-refundable expenses on overseas travel tickets, hotel booking or scheduled tour booking up to the limit of indemnity, when caused by listed events such as death or critical illness of the insured or specified immediate family, a booked common carrier outside India delayed at least 24 hours for specified causes, or serious damage to the insured's residence in India from fire, flood, earthquake or riots. Prospectus limits are $500 for several Gold/Platinum options and $700 for Superior Gold options, while some Silver and senior options show NA.","display":"Covered for non-refundable overseas travel tickets, hotel or scheduled tour booking up to plan limit; $500 or $700 where available, NA in some Silver/Senior options.","note":"The booking must be cancelled within 48 hours of the event under the terms and conditions.","quote":"In the event of cancellation of Trip in India prior to its commencement, the Insurer will reimburse non-refundable expenses on cancellation of the Overseas Travel Tickets, Hotel booking or Scheduled Tour Booking up to the Limit of Indemnity provided the cancellation is due to any of the following:\na) Death or diagnosis of Critical Illness of the Insured Person or following immediate family members - Spouse, Children, Parents, Brother, Sister, Grandparent, Grandchildren, Parents-in-law.\nb) A booked Common carrier outside India being delayed for atleast 24 hours due to strike, industrial action, riot, civil commotion, severe weather condition, natural disaster, hijack or mechanical breakdown of public common carrier\nc) Serious damage to the Insured Person’s Residence in India arising from fire, flood, earthquake or riots. ... In the event of curtailment of Trip overseas, the Insurer will reimburse non-refundable expenses on cutting short the Overseas Travel Tickets, Hotel booking or Scheduled Tour Booking up to the Limit of Indemnity ... 12 | Trip Cancellation | $50 | $500 | $500 | $500 | NA | NA\n13 | Trip Curtailment | $50 | $500 | $500 | $500 | NA | NA ... 12 | Trip Cancellation | $50 | $700 | $700 | NA | NA\n13 | Trip Curtailment | $50 | $700 | $700 | NA | NA","sources":[{"clause":"2.13","heading":"Trip Cancellation","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-13"},{"clause":"2.14","heading":"Trip Curtailment","page":30,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-14"},{"clause":null,"heading":"Benefits","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-benefits"},{"clause":null,"heading":"Family travel","page":4,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-family-travel"}],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"If the insured person loses his passport overseas, the insurer pays up to the limit of indemnity toward reasonable expenses incurred in obtaining a duplicate or fresh passport either overseas or within 30 days upon return to India. Prospectus plan limits shown include $150, $200, $250 and $350 depending on plan.","display":"Reasonable expenses for duplicate/fresh passport if lost overseas, within 30 days on return; limits include $150, $200, $250 or $350 by plan.","note":"The loss must be reported within 24 hours to avoid the passport-loss exclusion.","quote":"If the Insured Person loses his passport Overseas, the Insurer will pay the amount up to the Limit of Indemnity towards the Insured Person’s reasonable expenses incurred in obtaining a duplicate or fresh passport either overseas or within 30 days upon return to India. ... Loss of Passport | $30 | $250 | $250 | $250 | $150 | $150 ... Loss of Passport | $30 | $350 | $350 | $200 | $200","sources":[{"clause":"2.5","heading":"Loss of Passport","page":22,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-2-5"},{"clause":null,"heading":"Benefits","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-benefits"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"quote-verified","value":"A deductible is charged for each separate incident reported for claim payment. Plan tables show examples including $100 for medical treatment, $50 for dental treatment, $30 for loss of passport, $25 for loss of International Driving Licence, $50 for trip cancellation and trip curtailment, 12 Hrs for baggage delay/hijack/trip delay, INR 2,500 for home burglary, and Nil for some benefits.","display":"Per separate incident; examples include Medical $100, Dental $50, Passport $30, International Driving Licence $25, Trip Cancellation/Curtailment $50, delay covers 12 Hrs, Home Burglary INR 2,500, and Nil for some covers.","note":"Deductible varies by cover and plan; policy wording also says payment under many sections is only in excess of the deductible.","quote":"Deductible will be charged for each separate incident reported for claims payment, even though the claim may be registered under the same benefit more than once ... Cover Number | Deducti ble | Platinu m | Gold | Gold | Silver | Silver\n1 | Medical Treatment including Transportation of Mortal Remains up to $ 7,500/- | $100 | $500,000 | $250,000 | $100,000 | $100,000 | $50,000\n2 | Dental Treatment | $50 | $250 | $250 | $250 | $250 | $250\n3 | Total Loss of Checked Baggage | Nil | $1,000 | $1,000 | $500 | $250 | $250\n4 | Delay of Checked Baggage | 12 Hrs | $100 | $100 | $100 | $100 | $100\n5 | Loss of Passport | $30 | $250 | $250 | $250 | $150 | $150\n6 | Loss of International Driving Licence | $25 | $100 | $100 | $100 | NA | NA ... 12 | Trip Cancellation | $50 | $500 | $500 | $500 | NA | NA\n13 | Trip Curtailment | $50 | $500 | $500 | $500 | NA | NA\n14 | Trip Delay - $ 10 per 12 hrs | 12 hrs | $150 | $150 | $150 | NA | NA ... 16 | Home - Burglary Cover (On First Loss Basis) | INR 2,500 | INR 200,000 | INR 200,000 | INR 200,000 | NA | NA","sources":[{"clause":"4(c)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-c"},{"clause":null,"heading":"Benefits","page":1,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-benefits"}],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"The maximum number of travel days that may be insured is 180 days, with one extension beyond the initial 180 days by a maximum additional 180 days. Total maximum trip duration including extension is 360 days for an insured up to age 60 and 180 days for an insured more than 60; one-way travel including immigration travel is covered for a maximum duration of 30 days, and annual multi-trip per-trip duration is as per the policy schedule.","display":"180 days, extendable once by up to another 180 days; total 360 days up to age 60 and 180 days over age 60. One-way/immigration travel maximum 30 days.","note":"The exact maximum duration of each annual multi-trip journey is not printed in the wording and is left to the policy schedule.","quote":"The maximum number of travel days that may be insured, under the policy, shall be 180 days. Provided that the policy may be extended only once beyond the initial period of 180 days during the trip duration by a maximum of additional 180 days. Provided further that for an Insured being up to the age of 60 years, the maximum trip duration (including the extension as provided earlier) shall not exceed 360 days in total, and for an Insured being more than 60 years of age, the maximum trip duration (including the extension as provided earlier) shall not exceed 180 days in total.\n4. For the Annual Multi-trip policy, please refer the Policy schedule for the maximum trip duration for each and every trip. ... Policy is applicable for one -way travel also, including immigration travel with the condition that the maximum duration of coverage will be 30 days.","sources":[{"clause":"4","heading":"GENERAL CONDITIONS (Applicable to all covers under the policy)","page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4"},{"clause":"4(c)","heading":null,"page":35,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-c"}],"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 for Annual Multi Trip Policy","note":"Applies to Annual Multi Trip Policy; refund is after retaining charges toward medical tests, stamp duty and pro-rata premium from risk start date to cancellation date, and only if no claim is reported and considered.","quote":"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":"4(c)","heading":null,"page":38,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4-c-5"}],"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":"The product covers individuals from 6 months to 80 years travelling by air. Short-term travel and Annual Multi-trip state minimum age 6 months and maximum age 70 years, while the senior citizen plan covers persons aged 71-80 years.","display":"6 months to 80 years; short-term/annual multi-trip 6 months to 70 years, senior citizen plan 71-80 years.","note":"The prospectus also says persons above 70 years can be covered at the discretion of the company on merits for some variants.","quote":"For Short-term travel and Annual Multi-trip the minimum age of the Insured shall be 6 months and maximum age shall be 70 years. Age shall be computed as on the Risk Start Date ... This policy covers individuals in the age band of 6 months to 80 years travelling by air. ... a) The policy covers persons in the age group of 71-80 years","sources":[{"clause":"4","heading":"GENERAL CONDITIONS (Applicable to all covers under the policy)","page":34,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-4"},{"clause":null,"heading":"29 Mis-statement of Age","page":41,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894#c-29-mis-statement-of-age"},{"clause":"6(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834#c-6-a-2"}],"law":[]}],"documents":[{"kind":"wording","label":"PW- Chola Overseas Travel Protection Policy.pdf","pages":49,"fetched_at":"2026-10-17 19:39:48+00","source_url":"https://www.cholainsurance.com/documents/20121/o/PW-%20Chola%20Overseas%20Travel%20Protection%20Policy.pdf/e103e70e-7862-5659-3b39-b2bea825c112","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4894"},{"kind":"prospectus","label":"Prospectus-Chola Overseas Travel Protection Policy.pdf","pages":20,"fetched_at":"2026-10-17 19:38:44+00","source_url":"https://www.cholainsurance.com/documents/20121/o/Prospectus-Chola%20Overseas%20Travel%20Protection%20Policy.pdf/63abb1ec-8261-d414-87fa-78f4a5ab8795","url":"https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506/document/4834"}],"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":"Chola Overseas Travel Protection Policy (UIN CHOTOIP06001V010506), IndiaInsurances, https://indiainsurances.com/policy/cholamandalam-ms-general-insurance/chola-overseas-travel-protection-policy-chotoip06001v010506"}