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Cholamandalam vs Care Travel Insurance

Cholamandalam Travel Insurance vs Care Travel Insurance

Cholamandalam vs Care(Formerly Religare) Travel insurance


Silver	Gold	Explore Gold	Explore Platinum
Accident & Sickness Medical Expenses: ^?
$50,000 Deductible: $100	$100,000 Deductible: $100	In-patient: $50,000 Out-patient: $50,000 Deductible: $100 / € 75	In-patient: $50,000 Out-patient: $50,000 Deductible: $100 / € 75
Repatriation of Remains: ^?
$7,500	$7,500	$50,000	$50,000
Pre-existing Cover
NA	NA	10% of Sum Insured Deductible: $100 / € 75	10% of Sum Insured Deductible: $100 / € 75
Personal Accident
-	-	$15,000	$15,000
AD & D Common Carrier
-	-	NA	$5,000
Dental Treatment: ^?
Up to $250 Deductible: $50	Up to $250 Deductible: $50	$300 Deductible: $100 / € 75	$300 Deductible: $100 / € 75
Personal Liability: ^?
Up to $100,000	Up to $100,000	$100,000 Deductible: $100 / € 75	$100,000 Deductible: $100 / € 75
Loss of Checked Baggage: ^?
Up to $500	Up to $500	$100	$100
Checked-in Baggage Delay
Up to $100 Deductible: 12 hours	Up to $100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours
Loss of PassPort: ^?
$150 Deductible: $30	$250 Deductible: $30	$300	$300
Hijack Distress Allowance
$100 per day up to Max. $700 Deductible: 12 hours	$100 per day up to Max. $700 Deductible: 12 hours	NA	NA
Daily allowance in case of hospitalization
NA	$25 per day up to Max. $350	$25 per day, max 5 days Deductible: 2 days	$25 per day, max 5 days Deductible: 2 days
Trip Delay
NA	$10 per 12 hrs up to Max. $150 Deductible: 12 hrs	$500 Deductible: 12 hrs	$500 Deductible: 12 hrs
Trip Cancellation & Interruption
NA	Up to $500 Deductible: $50	$1,000	$1,000
Emergency Cash Advance: ^?
-	Up to $250	NA	NA
Home Burglary Insurance: ^?
	Up to Rs.2,00,000	NA	NA
Important Points
To find out the important points of Cholamandalam click here »	To find out the important points of Cholamandalam click here »	To find out the important points of Care click here »	To find out the important points of Care click here »


Explore Gold	Explore Platinum
Accident & Sickness Medical Expenses: ^?
Inpatient Patient Medical Expenses: Up to $50,000 Out Patient Medical Expenses: Up to $50,000 Deductible: $100 / € 75	Inpatient Patient Medical Expenses: Up to $50,000 Out Patient Medical Expenses: Up to $50,000 Deductible: $100 / € 75
Repatriation of Remains: ^?
$50,000	$50,000
Pre-existing Cover
10% of Sum Insured Deductible: $100 / € 75	10% of Sum Insured Deductible: $100 / € 75
Accidental Death & Dismemberment: ^?
$15,000	$15,000
AD & D Common Carrier
NA	$5,000
Dental Treatment: ^?
$300 Deductible: $100 / € 75	$300 Deductible: $100 / € 75
Personal Liability: ^?
$100,000 Deductible: $100 / € 75	$100,000 Deductible: $100 / € 75
Loss of Checked Baggage: ^?
$100	$100
Checked-in Baggage Delay
$100 Deductible: 12 hours	$100 Deductible: 12 hours
Loss of PassPort: ^?
$300	$300
Daily allowance in case of hospitalization
$25 per day, max 5 days Deductible: 2 days	$25 per day, max 5 days Deductible: 2 days
Trip Delay
$500 Deductible: 12 hrs	$500 Deductible: 12 hrs
Trip Cancellation & Interruption
$1,000	$1,000
Compassionate Visit
NA	$5,000
Important Points
To find out the important points of Care click here »	To find out the important points of Care click here »
Sublimits
To find out the sublimits of Care click here »	To find out the sublimits of Care click here »

Explore Gold

Explore Platinum

Accident & Sickness Medical Expenses: ^?

Inpatient Patient Medical Expenses:
Up to $50,000
Out Patient Medical Expenses: Up to $50,000
Deductible: $100 / € 75

Repatriation of Remains: ^?

$50,000

Pre-existing Cover

10% of Sum Insured
Deductible: $100 / € 75

Personal Accident

$15,000

AD & D Common Carrier

$5,000

Dental Treatment: ^?

$300
Deductible: $100 / € 75

Personal Liability: ^?

$100,000
Deductible: $100 / € 75

Loss of Checked Baggage: ^?

$100

Checked in Baggage Delay

$100
Deductible: 12 hours

Loss of PassPort: ^?

$300

Daily allowance in case of hospitalization

$25 per day, max 5 days
Deductible: 2 days

Trip Delay

$500
Deductible: 12 hrs

Trip Cancellation & Interruption

$1,000

Compassionate Visit

$5,000

Important Points

Gold and Platinum plans are Comprehensive Coverage plans for travelers up to aged 60 years
For travelers aged 61 and above, Gold is a Fixed benefit plan where medical sublimits are applicable while Platinum is a Comprehensive plan where medical expenses are covered up to the policy maximum
Region specific plans to suit your needs for Europe, Asia and African continent.
Double Sum Insured in case of Accidental Hospitalisation
Covers declared pre-existing conditions in case of life threatning up to 10% of policy maximum
Infant child of age 1 day can be insured under Care travel insurance
Buy the policy for 180 days and you can renew the policy for another 180 days

Medical Sublimits

Sublimits are applicable for age 61 and above. However this sublimits are not applicable for travelers who buy a Explore Platinum plan
Medical Expenses	Sub-limits (For age 61 years & above).
Room Rent including boarding and lodging	1.5% of the Sum Insured subject to a maximum of US $ 2,000 per day / Euro 1,500 per day
ICU Charges	2% of the Sum Insured subject to a maximum of US $ 3,000 per day / Euro 2,250 per day
Operation Theatre Charges (including surgeon charges)	10% of the Sum Insured subject to a maximum of US $ 20,000 per Claim / Euro 15,000 per Claim
Anesthesia	25% of the surgery cost payable
Ambulance Services	US $ 500 per Claim / Euro 375 per Claim
Diagnostics and Radiology Services	US $ 1,000 per Claim / Euro 750 per Claim
Medical Practitioners visit fees	US $ 100 per visit / Euro 75 per visit subject to maximum of 10 visits per Claim
Miscellaneous Expenses	US $ 1,000 per Claim / Euro 750 per Claim

Explore Gold ($50,000)

Accident & Sickness Medical Expenses: ^?

Inpatient Patient Medical Expenses: Up to $50,000
Out Patient Medical Expenses: Up to $50,000
Deductible: $100 / € 75

Repatriation of Remains: ^?

$50,000

Pre-existing Cover

10% of Sum Insured
Deductible: $100 / € 75

Personal Accident

$15,000

AD & D Common Carrier

Dental Treatment: ^?

$300
Deductible: $100 / € 75

Personal Liability: ^?

$100,000
Deductible: $100 / € 75

Loss of Checked Baggage: ^?

$100

Checked in Baggage Delay

$100
Deductible: 12 hours

Loss of PassPort: ^?

$300

Daily allowance in case of hospitalization

$25 per day, max 5 days
Deductible: 2 days

Trip Delay

$500
Deductible: 12 hrs

Trip Cancellation & Interruption

$1,000

Compassionate Visit

Important Points

Gold and Platinum plans are Comprehensive Coverage plans for travelers up to aged 60 years
For travelers aged 61 and above, Gold is a Fixed benefit plan where medical sublimits are applicable while Platinum is a Comprehensive plan where medical expenses are covered up to the policy maximum
Region specific plans to suit your needs for Europe, Asia and African continent.
Double Sum Insured in case of Accidental Hospitalisation
Covers declared pre-existing conditions in case of life threatning up to 10% of policy maximum
Infant child of age 1 day can be insured under Care travel insurance
Buy the policy for 180 days and you can renew the policy for another 180 days

Medical Sublimits

Sublimits are applicable for age 61 and above. However this sublimits are not applicable for travelers who buy a Explore Platinum plan
Medical Expenses	Sub-limits (For age 61 years & above).
Room Rent including boarding and lodging	1.5% of the Sum Insured subject to a maximum of US $ 2,000 per day / Euro 1,500 per day
ICU Charges	2% of the Sum Insured subject to a maximum of US $ 3,000 per day / Euro 2,250 per day
Operation Theatre Charges (including surgeon charges)	10% of the Sum Insured subject to a maximum of US $ 20,000 per Claim / Euro 15,000 per Claim
Anesthesia	25% of the surgery cost payable
Ambulance Services	US $ 500 per Claim / Euro 375 per Claim
Diagnostics and Radiology Services	US $ 1,000 per Claim / Euro 750 per Claim
Medical Practitioners visit fees	US $ 100 per visit / Euro 75 per visit subject to maximum of 10 visits per Claim
Miscellaneous Expenses	US $ 1,000 per Claim / Euro 750 per Claim

Compare Bajaj Allianz vs Care Travel insurance

Unique Features of Cholamandalam

Cholamandalam MS General Insurance Company Limited is a Joint Venture between the Murugappa Group, Chennai and Mitsui Sumitomo Insurance Company Limited, Japan and the company is headquartered in Chennai.
The company offers customised plans for Individuals between 6 months and 70 years, Senior Citizens between the ages of 71 and 80 years and a specific plan for Students between the age of 16 and 35 years going abroad to study.
They also offer a specific travel to Asian destinations which covers Australia & New Zealand but excludes Japan from coverage.
The Travel insurance plans providecoverage for a duration of 180 days with an option for extension upto 360 days upto the age of 60 years. Duration above 70 years is for a maximum of 180 days.
Adventure sports covered (e.g. hot air ballooning/ bungee jumping / parasailing / paragliding.) subject to underwriting approval.
Cashless Outpatient bills(OPD) settlement of more than $400can be facilitated by the insurance company through their Assistance Partner abroad subject to prior information.
Cholamandalam Travel plans offer coverage is available for Pre existing conditions in Life threatening situations apart from One way Immigration travel covered upto 30 days.
The Annual Multi Trip plan has options to choose from 30 / 45 / 60 / 90 days for each trip, which is best in class in the market. The policy will however be for 1 year.
Premium rates are calculated on a per day daily basis – hence the insured ends up paying for the exact number of days of travel.
Door to Door cover”.i.e. Personal Accident coverage for the insured is in force from residence to international airport while going abroad & international airport to residence while returning home.
Global Protection with 24 /7 Assistance through their TPA partner Europ Assist.

Unique Features of Care

Care Health Insurance is a stand alone Health Insurance company which is relatively new to Travel Insurance, but is one of the fastest growing. They are promoted by Care Enterprises, a financial powerhouse, Union Bank and Corporation Bank.
Importantly, the insured age band starts from Day 1 (baby), which is the lowest in the industry. There is no upper age limitation under the Care travel plans. All plans offer Comprehensive coverage upto the age of 60 years and then Sickness Medical Expenses are with Sublimits.
They offer Region Specific plans to suit the traveller’s needs, specifically plans for Europe, Asia and African continent apart from Worldwide coverage plans.
Buy the policy for 180 days and you can renew the policy for another 180 days
Double Sum Insured in case of accident - Customer buying USD $50,000 cover will have coverage of USD $50,000 for any Sickness related treatment and upto USD $100,000 in case claim arising due to accident.
Pre-existing covered upto 10% of Principal Sum Insured for Accident & Sickness Coverage, which is again the best in the industry.
Per day rates – Premium calculated for actual days of travel i.e. Slab rates not applicable – this ensures the traveller only pays premium for actual number of days they have travelled abroad.
E- Travel Insurance Card comes with every policy issued instantly. This helps the customer in case of any accident/ immediate reference in case of emergency.
All Care Travel Insurance Policies don't have per aliment limit capping.
Customer can Upgrade their return tickers to Business class travel in case of they are returning within 20 days of discharge from the hospital
Treatment in home country covered upto 30 days if the customer returns to India as per Doctor’s advice/recommendation post hospitalization abroad. This expense will be covered under the Accident & Sickness limit.
Global Assistance is provided through Falck Assistance, one of the Global leaders in Travel & Claims Assistance. They offer Toll Free numbers for the insured traveller to contact them.

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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

Know more »

Tips to find best travel insurance

Tips to find good and adequate international travel health insurance

Know more »

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+91-(80)-41101026
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Cholamandalam Travel Insurance vs Care Travel Insurance

Cholamandalam vs Care(Formerly Religare) Travel insurance

Compare Bajaj Allianz vs Care Travel insurance

Unique Features of Cholamandalam

Unique Features of Care

Compare Other Travel Insurance

India travel insurance blogs and articles

India travel insurance useful links

How to buy online?

Already outside India

Travel Insurance Online Renewal

Insurance Claims

Tips on air travel

How are Claims settled?

How does travel insurance work

Healthcare cost overseas

Tips to find best travel insurance

EIndia General Insurance Partners

Useful links

Product links

Keep in touch