Cholamandalam vs Reliance Travel Insurance , Reliance vs Cholamandalam insurance


Silver	Gold	Standard Plan $50,000	Silver Plan $100,000	Gold Plan $250,000	Platinum Plan $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
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 Reliance click here »	To find out the important points of Reliance click here »	To find out the important points of Relianceclick here »	To find out the important points of Reliance click here »
Sublimits
NA	NA	To find out the sublimits of Reliance click here »	To find out the sublimits of Reliance click here »	To find out the sublimits of Reliance click here »	To find out the sublimits of Reliance click here »


Standard Plan ($50,000)	Silver Plan ($100,000)	Gold Plan ($250,000)	Platinum Plan ($500,000)
*GST included
Accident & Sickness Medical Expenses: ^?
$50,000 Deductible: $50	$100,000 Deductible: $50	$250,000 Deductible: $50	$500,000 Deductible: $50
Medical Evacuation: ^?
Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses
Repatriation of Remains: ^?
Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses
Pre-existing Cover
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: ^?
$500 Deductible: $50	$500 Deductible: $50	$500 Deductible: $50	$500 Deductible: $50
Personal Liability: ^?
$50,000	$100,000	$200,000	$250,000
Loss of Checked Baggage: ^?
$500	$1,000	$1,200	$1,500
Checked-in Baggage Delay
$100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours
Loss of PassPort: ^?
$300 Deductible: $25	$300 Deductible: $25	$300 Deductible: $25	$300 Deductible: $25
Hijack Distress Allowance
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
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	$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	$600	$600	$600
Emergency Cash Advance: ^?
NA	$300	$300	$300
Home Burglary Insurance: ^?
NA	1 Lakh	2 Lakhs	3 Lakhs
Important Points
To find out the important points of Reliance click here »	To find out the important points of Reliance click here »	To find out the important points of Relianceclick here »	To find out the important points of Reliance click here »
Sublimits
To find out the sublimits of Reliance click here »	To find out the sublimits of Reliance click here »	To find out the sublimits of Reliance click here »	To find out the sublimits of Reliance click here »


Senior Citizen 15000	Senior Citizen 50000 Sublimits? YES NO
*GST included
Policy Maximum
$15,000 Deductible: $100	$50,000 Deductible: $100
Accident & Sickness Medical Expenses: ^?
$15,000 Deductible: $100	$50,000 Deductible: $100
Medical Evacuation: ^?
Included under Medical Expenses	Included under Medical Expenses
Repatriation of Remains: ^?
$7,000 (Included under Medical Expenses)	$7,000 (Included under Medical Expenses)
Pre-existing Cover
Does not cover for pre-existing disesases	Does not cover for pre-existing disesases
Accidental Death & Dismemberment: ^?
$15,000	$15,000
Dental Treatment: ^?
$200 Deductible: $50	$200 Deductible: $50
Personal Liability: ^?
$15,000	$15,000
Loss of Checked Baggage: ^?
$500	$500
Checked in Baggage Delay
Loss of PassPort: ^?
$150 Deductible: $25	$150 Deductible: $25
Important Points
To find out the important points of Relianceclick here »	To find out the important points of Relianceclick here »
Sublimits
To find out the sublimits of Reliance click here »	To find out the sublimits of Reliance click here »


Senior Citizen $50,000
*GST included
Accident & Sickness Medical Expenses: ^?
$50,000 Deductible: $100
Medical Evacuation: ^?
Included under Medical Expenses
Repatriation of Remains: ^?
$7,000 (Included under Medical Expenses)
Accidental Death & Dismemberment: ^?
$15,000
Dental Treatment: ^?
$200 Deductible: $50
Personal Liability: ^?
$15,000
Loss of Checked Baggage: ^?
$500
Loss of PassPort: ^?
$150 Deductible: $25
Important Points
To find out the important points of Relianceclick here »
Sublimits
To find out the sublimits of Reliance click here »


Senior Citizen $50,000
*GST included
Accident & Sickness Medical Expenses: ^?
$50,000 Deductible: $100
Medical Evacuation: ^?
Included under Medical Expenses
Repatriation of Remains: ^?
$7,000 (Included under Medical Expenses)
Accidental Death & Dismemberment: ^?
$15,000
Dental Treatment: ^?
$200 Deductible: $50
Personal Liability: ^?
$15,000
Loss of Checked Baggage: ^?
$500
Loss of PassPort: ^?
$150 Deductible: $25
Important Points
To find out the important points of Relianceclick here »
Sublimits
To find out the sublimits of Reliance click here »

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 Reliance

Reliance General Insurance is part of the Reliance Anil Ambani Group (ADAG) and offers Travel Insurance for Indians travelling abroad or within India.

Reliance Travel Insurance ensure zero paperwork and affordable premiums to ensure their customers have a smooth holiday. Choose from a variety of plans – for individuals or for the entire family.

The duration of your trip does not matter – Reliance covers trips upto a duration of 182 days with extensions available 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 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.

Automated extension of your policy The policy will be extended in case of a medical emergency and evacuation (up to 30 days) and delay of common carrier (up to 7 days).

Some of the pre existing diseases which are not covered by Reliance travel insurance plan are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes.

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 Assistance.

Cholamandalam vs Reliance Travel Insurance