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Cholamandalam vs Reliance Travel Insurance

Cholamandalam vs Reliance Travel Insurance

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Cholamandalam vs Reliance Travel Insurance

Cholamandalam logo
Silver

$50,000 & $100,000



Cholamandalam logo
Gold

$100,000 & $250,000



Reliance logo
Standard
$50,000
Reliance logo
Silver
$100,000
Reliance logo
Gold
$250,000
Reliance logo
Platinum
$500,000
*GST included
Accident & Sickness Medical Expenses: ?
$50,000

Deductible: $100

$100,000

Deductible: $100

$50,000

Deductible: $50

$100,000

Deductible: $50

$250,000

Deductible: $50

$500,000

Deductible: $50

Medical Evacuation: ?
Up to $50,000

Deductible: $100

Up to $100,000

Deductible: $100

Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses
Repatriation of Remains: ?
$7,500 $7,500 Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses
Pre-existing Cover
NA NA Other than critical illness, declared pre-existing ailments are covered under life threatening situations. Other than critical illness, declared pre-existing ailments are covered under life threatening situations. Other than critical illness, declared pre-existing ailments are covered under life threatening situations. Other than critical illness, declared pre-existing ailments are covered under life threatening situations.
Personal Accident
- - $15,000 $20,000 $25,000 $30,000
AD & D Common Carrier
- - $2,500 $2,500 $5,000 $5,000
Dental Treatment: ?
Up to $250

Deductible: $50

Up to $250

Deductible: $50

$500

Deductible: $50

$500

Deductible: $50

$500

Deductible: $50

$500

Deductible: $50

Personal Liability: ?
Up to $100,000 Up to $100,000 $50,000 $100,000 $200,000 $250,000
Loss of Checked Baggage: ?
Up to $500 Up to $500 $500 $1,000 $1,200 $1,500
Checked-in Baggage Delay
Up to $100

Deductible: 12 hours

Up to $100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

Loss of PassPort: ?
$150

Deductible: $30

$250

Deductible: $30

$300

Deductible: $25

$300

Deductible: $25

$300

Deductible: $25

$300

Deductible: $25

Hijack Distress Allowance
$100 per day up to Max. $700

Deductible: 12 hours

$100 per day up to Max. $700

Deductible: 12 hours

NA $50 per day up to Max.7 days

Deductible: 12 hours

$75 per day up to Max. 7 days

Deductible: 12 hours

$125 per day up to Max. 7 days

Deductible: 12 hours

Daily allowance in case of hospitalization
- $25 per day up to Max. $350 NA $25 per day up to Max. 5 days

Deductible: 2 day

$25 per day up to Max. 6 days

Deductible: 2 day

$25 per day up to Max. 7 days

Deductible: 2 day

Trip Delay
NA $10 per 12 hrs up to Max. $150

Deductible: 12 hrs

NA $25 per day up to Max. 6 days

Deductible: 12 hrs

$50 per day up to Max. 6 days

Deductible: 12 hrs

$60 per day up to Max. 6 days

Deductible: 12 hrs

Trip Cancellation & Interruption
NA Up to $500

Deductible: $50

NA $600 $600 $600
Emergency Cash Advance: ?
NA Up to $250 NA $300 $300 $300
Home Burglary Insurance: ?
NA Up to Rs.2,00,000 NA 1 Lakh 2 Lakhs 3 Lakhs

What are the Key features of Cholamandalam vs Reliance Travel Insurance?

Key features of Cholamandalam’s Travel Insurance

  • Chola MS General Insurance Company Limited is a Joint Venture between the Murugappa Group from Chennai and Mitsui Sumitomo Insurance Company Limited, Japan, a leading Insurance player in Japan.
  • 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 provide coverage for a cumulative duration of 360 days upto the age of 60 years and for a maximum 180 days for travelers above 70 years.
  • 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.
  • Premium rates are calculated on a per day daily basis – hence the insured ends up paying for the exact number of days of travel.
  • Personal Accident coverage in India is available – covers the insured during their journey to and from the International Airport to their residence.
  • Complete Global Protection with 24 /7 Assistance through their TPA partner Europ Assist ensuring Prompt claims settlement process including Cashless treatment for Inpatients.

Key features of Reliance General’s Travel Insurance

  • Reliance General Insurance was part of the Reliance Anil Ambani Group (ADAG), but now has been taken over by the Hinduja Group and offers Travel Insurance for Indians travelling abroad and within India.
  • Reliance Travel Insurance ensure zero paperwork and affordable premiums. Choose from a variety of plans – for individuals or for the entire family with maximum Sum Insured upto $500,000.
  • Reliance General covers trips upto a single trip duration of 182 days with cumulative duration up to 365 days.
  • Travelers from 6 months to 90 years can be covered under Reliance Travel Insurance Plans with Senior citizens aged between 71-90 years can buy the Reliance Senior plan without submitting any medical reports.
  • Pre existing diseases are covered in case of life threatening situations upto $3000 only for travellers up to 70 years. There are Sickness Medical Sublimits from the age of 61 years onwards.
  • The Sum Insureds for each benefit are per policy period, which means there is no restoration of sum insured once a claim has been filed.
  • No Pre Travel Medical Check up and Entry Age Restriction for Reliance General Travel Insurance plans.
  • The traveller can avail Cashless Claims (for Inpatient Treatment) and also have access to National and International Assistance Numbers when abroad. These services are provided through Reliance’s Travel Assistance Partner, Europ Assist, which has a large cashless hospital network throughout the world.

How much does a Cholamandalam vs Reliance Overseas travel medical cost per month (30 days)?

The Cholamandalam vs Reliance Overseas travel medical insurance cost per month (30 days) starts at just ₹1,207 for coverage Worldwide Including USA & Canada. Cholamandalam vs Reliance Overseas travel medical insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Cholamandalam vs Reliance Overseas travel medical plan variants.


Plan Name (Sum Insured) Insurer 0-40 years 41-60 years 61-70 years
Comprehensive Travel Plus ($50,000) Without Sublimits Cholamandalam ₹1,207 ₹2,457 ₹5,255
Travel Standard ($50,000) With Sublimits Reliance General ₹1,407 ₹2,041 ₹3,664
Comprehensive Travel Plus ($100,000) Without Sublimits Cholamandalam ₹1,444 ₹3,050 ₹6,647
Travel Silver ($100,000) With Sublimits Reliance General ₹1,992 ₹2,443 ₹4,409
Comprehensive Travel Plus ($250,000) Without Sublimits Cholamandalam ₹1,798 ₹3,940 ₹8,736
Travel Gold Plan ($250,000) With Sublimits Reliance General ₹2,312 ₹2,927 ₹5,026
Comprehensive Travel Plus ($350,000) Without Sublimits Cholamandalam ₹2,036 ₹4,534 ₹10,129
Comprehensive Travel Plus ($500,000) Without Sublimits Cholamandalam ₹2,192 ₹4,930 ₹11,507
Travel Platinum Plan ($500,000) With Sublimits Reliance General ₹2,722 ₹3,517 ₹7,976
Plan Name (Sum Insred) Insurer 71-75 years 76-80 years 81-85 years 86-90 years
Comprehensive Travel Plus ($50,000) With Sublimits Cholamandalam ₹11,111 -
Senior Plan ($50,000) With Sublimits Reliance General ₹6,865 ₹10,380 ₹17,887
Plan Name (Sum Insred) Insurer 71-85 years
Comprehensive Travel Plus ($100,000) With Sublimits Cholamandalam ₹14,178
Comprehensive Travel Plus ($250,000) With Sublimits Cholamandalam ₹18,776
Comprehensive Travel Plus ($350,000) With Sublimits Cholamandalam ₹21,843
Comprehensive Travel Plus ($500,000) With Sublimits Cholamandalam ₹23,887

Which Is Cheaper for 30-Day Travel Insurance: Cholamandalam or Reliance?

The Cholamandalam vs Reliance Overseas travel medical insurance cost per month (30 days) starts at just ₹932 for coverage Worldwide Excluding USA /Canada. Cholamandalam vs Reliance Overseas travel medical insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Cholamandalam vs Reliance Overseas travel medical plan variants.


Plan Name (Sum Insured) Insurer 0-40 years 41-60 years 61-70 years
Travel Standard ($50,000) With Sublimits Cholamandalam ₹932 ₹1,764 ₹3,630
Comprehensive Travel Plus ($50,000) Without Sublimits Reliance General ₹1212 ₹1,385 2,429
Comprehensive Travel Plus ($100,000) Without Sublimits Cholamandalam ₹1,089 ₹2,161 ₹4,558
Travel Silver ($100,000) With Sublimits Reliance General ₹1,342 ₹1,484 ₹2,972
Comprehensive Travel Plus ($250,000) Without Sublimits Cholamandalam ₹1,326 ₹2,754 ₹5,951
Travel Gold ($250,000) With Sublimits Reliance General ₹1,543 ₹1,708 ₹3,185
Comprehensive Travel Plus ($350,000) Without Sublimits Cholamandalam ₹1,483 ₹3,149 ₹6,879
Comprehensive Travel Plus ($500,000) Without Sublimits Cholamandalam ₹1,588 ₹3,413 ₹7,498
Travel Platinum ($500,000) With Sublimits Reliance General ₹1,897 ₹2,602 ₹5,597
Plan Name (Sum Insred) Insurer 71-75 years 76-80 years 81-85 years 86-90 years
Comprehensive Travel Plus ($50,000) With Sublimits Cholamandalam ₹7,534 -
Senior Plan ($50,000) With Sublimits Reliance General ₹4,993 ₹7,649 ₹14,880
Plan Name (Sum Insred) Insurer 71-85 years
Comprehensive Travel Plus ($100,000) With Sublimits Cholamandalam ₹9,578
Comprehensive Travel Plus ($250,000) With Sublimits Cholamandalam ₹12,645
Comprehensive Travel Plus ($350,000) With Sublimits Cholamandalam ₹14,689
Comprehensive Travel Plus ($500,000) With Sublimits Cholamandalam ₹16,062

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