Cholamandalam Insurance Plans

Chola Travel Mediclaim Insurance - Exclusions

Travel Mediclaim Insurance quotes

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 Spouse  Child  Child 
Destination
No. of Traveler
Date of Birth
or age   years
Trip Start Date
Total Days: 
Trip End Date

General exclusions

  • 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.
  • 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.
  • Any intentional, reckless or criminal act, suicide, or attempted suicide, or the use or abuse of any drugs, alcohol and the like.
  • 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.
  • Any loss of which a contributing cause was the Insured's actual or attempted commission of, or willful participation in, an illegal act or any violation or attempted violation of the law or resistance to arrest.
  • HIV, AIDS and all related medical conditions.

Main exclusions

  • Medical expenses arising out of pre-existing conditions / any treatment which can be delayed until the insured's return to India / treatment which is the sole reason for travel aboard, venereal diseases, HIV, rediation / war and war-like consequences / pregnancy, childbirth and their consequences / removal of physical flaws or anomalies(cosmetics)/sicide etc.
  • Expenses due to loss of valuables, money securities, tickets, passport loss in public places, employer's contractual.

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How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

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Already outside India

Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.

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Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.


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Insurance Claims

In case of a claim or reimbursement of treatment expenses, notify by contacting them.


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Tips on air travel

Travel tips for Indian parents

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How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

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How does travel insurance work

How to use Indian visitor insurance in case of sudden sickness and accidents

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Healthcare cost overseas

Comparison of overseas Healthcare cost and popular tourist destinations

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Tips to find best travel insurance

Tips to find good and adequate international travel health insurance

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025
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