Senior Citizens get relief with Cholamandalam issuing overseas travel policy for 270 days
Many foreign embassies insist for health insurance policy at the time of grant of visa.They limit the visa duration same as the duration of the policy. Australia is one such country.
It is good that even though all companies restrict the policy for senior citizens to 180 days ,there is at least one company ( Cholamandalam)which is issuing the policy for 270 days.
Our compliments to them for doing so, parents who spend lot of money at go to spend long time with their children can have the satisfaction that they can get visa for 270 days vs that for 180 days.
Health Insurance policy issued to you is valid in India only. When you travel out of India then you need Overseas Travel Health insurance policy because of following reasons :
If Hospitalization is required while you are in a foreign country then treatment may not start in a hospital;
Unless you make the payment in cash or by credit card Or produce health insurance policy reference / card.
Some embassies of foreign countries need it as part of documents for issue of visa itself. An example is the Germa embassy or spain embassy.
Even though this policy in the beginning was for taking care of hospitalization/medical treatment only but at present this product is available with certain additional features:
Personal Accident ,Medical Cover (Includes Medical,Evacuation cost),Dental Treatment ,Repatriation of Remains,(included under Medical Expenses), Loss of passport ,Total loss of checked Baggage ,Delay of checked baggage ,Personal Liability ,Financial Emergency ,Hijack Distress Allowance
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