Sehwag PX
Cholamandalam MS Health Insurance
  • 8000+ Network Hospitals
  • Cover 140+ Day-care Treatments
  • Double coverage for Emergency
  • Tax Benefit Under Section 80D
  • Lifetime Renewal Option

#Virukipolicy | T&C*

Get Quotes From Top Insurers

1

2

Name
Cover For
D.O.B (eldest member)

1

2

Please Enter Other Details
Phone No.
Email
City

By proceeding you are accepting our T&C and privacy policy

Cholamandalam Health Insurance

Cholamandalam MS General Insurance Company is found by the collaboration between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan. Chola MS provides a wide range of helpful health insurance products that are customized in a way which can easily meet different needs of customers. Chola MS champions a brand philosophy known as T3, which stands for Trust, Transparency and Technology. The company has been consistently recognised and awarded by the Government of India, international entities and several ratings agencies for its innovations in the insurance industry. The company carries 109 branches and over 9000 agents across the country.

Health Insurance products offered by this insurance company is gaining attention from customers for its exclusive features and affordability. All plans by Cholamandalam MS General Insurance Company are highly beneficial and comes at a price which lies under the budget of the common man

Highlights

Claim Ratio 72.91
Network Hospitals 8000+
Renewability Lifetime
Waiting Period for Pre-existing Disease 4 years
Grievances Solved Lifetime

Features of Cholamandalam MS Health Plans

Main features of health insurance plans from Chola MS are mentioned below

  • A few Chola MS Health plans offers coverage against accidents and critical illnesses
  • Plans by this company are also come out with essential feature like domiciliary hospitalization
  • Offers cashless hospitalization with over 4300 hospitals across the country.
  • Selected health plans do cover 20 major critical illnesses.
  • Offer tax benefits under section 80 (D) of the Indian Income Tax Act, 1961.
  • Offers cover against 140 Day-care procedures
  • Pre and post hospitalization expenses are covered
  • Easy claim settlement procedure.

Cholamandalam Health Insurance Plans

Health insurance policy is mandatory if you want to cover your health related expenses. best health insurance plan which is bought wisely after keeping an eye on all requirements and needs of an individual will stand by the side of the policyholder in all adverse situations of health related problems and cover the expenses. Good health insurance ensures happiness of your loved ones and you.

Following are health insurance plans that are offered by Cholamandalam Health insurance plan-

1.Chola MS Chola Swasth Parivar Insurance

Chola MS Chola Swasth Parivar Insurance is a comprehensive health insurance plan by Cholamandalam MS Health Insurance which provides the insurance cover to the whole family on a floating sum insured basis and covers the hospitalisation expenses for the same. Under the Chola Swasth Parivar insurance, personal accident cover is also offered to the family members on the Individual Sum insured basis.

Benefits and features of the Chola Swasth Parivar Insurance

  • Under this plan, two insurance plans with the option of the flexible sum insured are offered. The dual protection covers include the hospitalisation cover on the floater basis and the personal accident coverage on an individual basis.
  • The Chola Swasth Parivar Insurance covers the expenses of the hospitalisation of the policyholder including 141 day care procedures. Day care procedures are which usually require less than 24 hours of hospitalisation.
  • 30 days pre hospitalisation expenses are covered under the Chola Swasth Parivar Insurance while 60 days of the post hospitalisation charges are covered.
  • Policyholder enjoys the tax exemption benefit under the section 80 (D) of the income tax which is up to Rs. 25,000.
  • During the emergency, ambulance charges up to Rs. 2000 are covered per hospitalization of the policyholder.
  • The premium amount of the Chola Swasth Parivar Insurance is quite economical and completely in the budget of everyone.
  • One can have the benefit of lifetime renewal of the Chola Swasth Parivar Insurance.
  • Chola Swasth Parivar Insurance Cover various standard hospitalisation charged such as doctors’ fees, surgery, anaesthesia and oxygen charges, ICU charges, plaster casting, dressing and physiotherapy charges are also covered.
  • The health checks up before buying an insurance policy is only required after the age of 55 years.
Sum Assured Rs.3, 4 or 5 lakhs
Premiums Rs.5,005 to Rs.10,351
Co-payment 15% compulsory; 10% voluntary (at non-network hospitals)
Coverage Inpatient hospitalisation expenses, Room charges,ICU, Costs of treating medical professionals, consumables etc. required for treatment ,141 day care procedures, Pre/Post-hospitalisation expenses ,Day care treatment,Pre-existing diseases and much more
Add-on Covers Available

Eligibility for the Chola Swasth Parivar Insurance

The Chola Swasth Parivar Insurance offer covers from the age of 18 years to 65 years ago. If even one parent is covered under the Chola Swasth Parivar Insurance, then up to two children can be covered from the age three months to 26 years. This plan offer coverage for the self, spouse and dependent children.

Exclusions of the Chola Swasth Parivar Insurance

  • Along with the wide coverage and benefits, these are some exclusion that is not covered under the health insurance policy.
  • The pre - existing conditions are not covered until the policy is renewed continuously for 48 months.
  • Apart from the accidental cases, any expense that occurs during the 30 days of the commencement of the insurance policy is not covered.
  • Any type of suicidal attempt or intentional attempt to harm or injure self in senses or in the insane condition is not covered under the Chola Swasth Parivar Insurance.
  • Any coverage again expense that is caused due to any type of terrorist act or terrorism is not offered by the health insurance plan.
  • Any injury that is caused while playing a harmful or adventurous sport is not covered under the Chola Swasth Parivar Insurance.

2. Chola MS Healthline Insurance

The Chola MS Healthline Insurance is a comprehensive health insurance policy by the Cholamandalam MS health insurance policy. Under the Chola MS Healthline health insurance plan, one can choose to cover his/ her family under the individual sum insured basis as well as the floater sum insured basis.

Entry Age 18 yrs. to 65 yrs.
Policy Period 1, 2 or 3 yrs.
Renewability Lifetime
Medical Screening Required
Basis Individual or Floater (Family includes self, spouse, dependent children/parents/parents-in-law/siblings)
Discounts 6% for a 2 year tenure; 12% for a 3 year tenure
Co-payment 10% as per the policy norms

Benefits and features of the Chola MS Healthline Insurance

  • One can get secure health cover for own self, spouse and dependent children in the floater sum insured basis. While if you go for the individual cover of Chola Healthline, you can also include your parents, parents in law and even you can get a cover for your siblings.
  • The Chola Healthline offers four different plans from which you can choose whichever plan suits you and your loved one's requirements

A. Value Healthline Insurance

Features of Value Healthline Insurance

  • The sum assured for the Value Healthline can be chosen from 2 lakh, 3 lakh, 5 lakh, 7.5 lakh and 10 lakh.
  • It offers the cashless hospital facility across the network hospital of the Cholamandalam MS Health Insurance.
  • Hospitalisation for less than 24 hours falls in the daycare section, and in the Value Healthline, day care procedure expenses are covered.
  • An exclusive 5% to 50 % discount is offered to the policyholder at the pharmacies, labs, hospitals and etc.all over the country.
  • It offers the Ayush benefit under which the medical expenses of the policyholder for any patient treatment that fall under Ayurveda, Unani, Sidha and homoeopathy are covered.

Eligibility

Anyone who is between ages 18 years to age 65 years can get the benefit from the Value Healthline health insurance.

Eligibility

  • The pre - existing conditions are not covered until the policy is renewed continuously for 48 months.
  • Any injury that is caused while playing a harmful or adventurous sport is not covered

B. Chola MS Freedom Healthline Insurance

Features of Chola MS Freedom Healthline Insurance

  • The sum assured for the Value Healthline can be chosen from 3 lakh, 5 lakh, 7.5 lakh, 10 Lakh and 15 lakh./li>
  • An exclusive 5% to 50 % discount is offered to the policyholder at the pharmacies, labs, hospitals and etc.all over the country.
  • It offers the Ayush benefit under which the medical expenses of the policyholder for any patient treatment that fall under Ayurveda, Unani, Sidha and homoeopathy are covered.
  • 60 days pre hospitalisation expenses are covered under the Freedom Healthline while post hospitalisation expenses are covered for 90 days.
  • It also offers 141 day care expenses cover that does not require the policyholder to be admitted in the hospital for 24 hours.
  • Domiciliary treatments (in which medical treatments of an individual are undertaken at home) are also covered. But it is only covered for 7 days in a single policy year.
  • Emergency ambulance charges for up to Rs.2000 also covered under the Freedom Healthline health insurance policy.

Eligibility

Anyone who is from the age of 18 years to 65 years can buy the Chola MS Freedom Healthline policy.

C. Chola MS Enrich Healthline Insurance Policy

  • The sum assured for the Value Healthline can be chosen from 3 lakh, 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh and 25 lakh.
  • Every expense that occurred due to organ donor required for the treatment of policyholder is covered.
  • If any child is hospitalised than our allowance of Rs.500 per day is provided for every hospitalisation.
  • It offers the Ayush benefit under which the medical expenses of the policyholder for any patient treatment that fall under Ayurveda, Unani, Sidha and homoeopathy are covered.
  • If the hospitalisation extends from 10 days, alarm some amount of Rs.10, 000 is provided as an allowance.
  • If the insured person is diagnosed with 14 specified critical illnesses from the Enrich Healthline cover and any accident then he/she gets the benefit of the double sum insured.
  • The policyholder is awarded with the 50% cumulative bonus for every claim free year. This bonus is subject to a maximum of a hundred percent of the base sum insured.

Eligibility

Anyone who is 18 years to 65 years can avail the benefit of the Enrich Healthline health insurance policy.

D. Privilege Healthline Insurance

Features of Privilege Healthline Insurance

  • The sum assured for the Value Healthline can be chosen from 5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, and 25 lakh.
  • The privilege Healthline covers off Ho Rs.5000 for emergency ambulance expenses per hospitalisation of the policyholder.
  • It offers maternity expenses up to Rs.1 lakh for delivery.
  • It also offers cover for newborn baby hospitalisation expenses up to the sum insured of the mother (floaters sum insured).
  • If the policyholder is diagnosed with 14 specified critical illnesses from the Privilege Healthline cover and any accident then he/she gets the benefit of the double sum insured.
  • It also offers cover for outpatient dental cover, any specs expense, contact lenses and any hearing aid expense Ra. 10,000 every 2 years.
  • It offers the Ayush benefit under which the medical expenses of the policyholder for any patient treatment that fall under Ayurveda, Unani, Sidha and homoeopathy are covered.
  • The policyholder is awarded with the 5% cumulative bonus for every claim free year. This bonus is subject to a maximum of 50% percent of the base sum insured

3. Chola Tax Plus Healthline

Chola Tax plus Healthline Insurance Policy is meant for providing medical insurance coverage for both hospitalisation and non-hospitalisation. Non-hospitalisation means outpatient department OPD. It is one of a kind health policy to cover hospitalisation and the policyholder’s day- to-day medical expenses. Chola Tax Plus Healthline Policy can be issued for an individual and family on floater sum insured basis. This insurance policy comes with the option to cover not only hospitalisation expenses but also non-hospitalisation expenses that are day to day medical expenses of policyholder which is one of a kind feature.

Features of Chola Tax plus Healthline

  • It offers a wide range of some insured option – Rs.1 lakh, 2 lakh, 3 lakh, 4 lakh, 5 lakh.
  • No medical check up is required for buying the Chola text plus helpline for up to 55 years of age. It also covers the expense of Spectacles, contact lenses, hearing aids, prosthetic appliances, etc. If required by the policyholder
  • Policyholder can enjoy life time Chola Tax Plus Healthline Insurance policy renewal for life.
  • 5% increase in the sum assured is offered for every claim free year, the maximum increase can be up to 50%.
  • It also offers 141 day care expenses cover that does not require the policyholder to be admitted in the hospital for 24 hours.
  • The Chola Tax Plus Healthline offer triple benefit to the policyholder
    1. It covers the Hospitalisation expenses.
    2. It covers the daily medicinal and OPD expenses.
    3. Policyholder can enjoy tax exemption under section 80 D of Income tax.
Entry Age 18 to 65 years.; 3 months for children
Medical Screening Required for entrants above 55 yrs.
Sum Assured Rs.1 to 5 lakhs
Coverage -Inpatient hospitalisation expenses, Pre-hospitalisation expenses, Post-hospitalisation expenses,Ambulance costs, hospital stay, Cataract, Hernia, Knee/Joint Replacement Procedures, Outpatient cover, Pre/Post-Natal Expenses, Pre-existing diseases and much more

4. Chola MS Family Healthline Insurance

Chola MS Family Healthline Insurance is the best suited family Healthline insurance for the new and young families. This is a flexible, comprehensive and versatile family insurance plan. The three types of Chola MS Family Healthline Insurance are –

  • Standard Family Healthline
  • Superior Family Healthline
  • Advanced Family Healthline

Features of Chola MS Family Healthline Insurance

  • Chola MS Family Healthline Insurance provides cashless hospitalisation with more than 8000+ network hospitals.
  • Any Organ transplantation charges that is required for the treatment of policyholder is covered. But, only the costs of the donor are covered, excluding the costs of the organ.
  • It offers benefit of pre existing medical condition cover after 48 months of the continuous renewal of the insurance policy from the first policy start date.
  • Chola MS Family Healthline Insurance provide cover for Intensive Care Unit, Nursing expenses, Surgical fees, operating theatre, anaesthesia and oxygen and their administration and etc.
  • Physical therapy expenses, Drugs and medicines consumed on the premises
  • Sometimes, policyholder does not require hospitalisation for more than 24 hours. Chola MS Family Healthline Insurance also offers 141 day care expenses cover to the policyholder.
  • If, one parent is injured then Dependent child from the age of three months to 26 years can also get the cover under the Chola MS Family Healthline Insurance policy and it does not require any medical check up for that.
  • The Chola MS Family Healthline Insurance policy also offer Emergency ambulance charges for up to Rs. 1000 to Rs. 3000, depending on the type of plan that is chosen by the policyholder.
  • It offers lifelong renewal offer of the Health insurance policy to the policyholder.
Entry Age 18 to 65 years. 3 months for children
Medical Screening Above 55 yrs.
Basis Family Floater (Family includes self, spouse, dependent children)
Sum Assured Rs.2 to 5 lakhs - Superior: Rs.4 to 10 lakhs, Advanced: Rs.6 to 12 lakhs
Co-Payment / Discounts 10% discount on premium

5. Chola MS Individual Healthline Insurance Plan

Chola MS Individual Healthline Insurance Plan is a Comprehensive health insurance product which is best for healthcare. Chola MS Individual Healthline Insurance Plan not only offers coverage for the hospitalisation but also coverage for various other incidental expenses along with the other hospitalisation cover.

The Chola MS Individual Healthline Insurance plan is sub-categorised under the following three categories-

  • Standard Individual Healthline Insurance Plan
  • Superior Individual Healthline Insurance Plan
  • Advanced Individual Healthline Insurance Plan

Features of Chola MS Individual Healthline Insurance Plan

  • Chola MS Individual Healthline Insurance Plan is an idle individual health plan as it is specially designed to meet the health insurance requirements of your loved ones with the specific sum insured for each person as per everyone’s requirement.
  • Policyholder enjoys the benefit of lifetime renewal of the Chola MS Individual Healthline insurance.
  • Chola MS Individual Healthline Insurance Plan is easy to buy online with no document medical check up and it can also be renewed with a simple four step procedure online.
  • The policyholder also enjoy directly claim through Chola MS Individual Healthline Insurance Plan– there is no involvement of any third party administrator.
  • Chola MS Individual Healthline Insurance Plan Offer pre-hospitalisation covers for 60 days while the post hospitalisation cover is offered for 90 days from the date of hospitalisation.
  • Emergency ambulance charges are also covered.
  • Daily cash allowance is also provided to the policyholder is a shared occupancy room is choosing during hospitalisation.
  • The policyholder will be rewarded with a cumulative bonus of a person for every claim free year but the maximum cumulative bonus of 50% of the sum insured can be availed by the policyholder.
  • Domiciliary expenses are also covered for the policyholder but only under the superior in advance.
  • Under the advance plan of Chola MS Individual Healthline Insurance Plan various benefits like the cover for the maternity expenses, external aids such as specs, contact lenses, hearing aids. , dental and Etc., is also offered to the policyholder
Entry Age 18 to 65 years; 3 months for children
Medical Screening Above 55 years
Sum Assured Standard: Rs.1 to 5,Superior: Rs.3.5 to 5.5,Advanced: Rs. 4.5, 5.5, 7.5 or 10 lakhs
Discounts 10% discount for 10% voluntary co-payment

Exclusions

  • Expenses that occur during the first 30 days of commencement of policy except in the case of accidents are not covered.
  • No pre-existing disease benefit will be offered until 48 months of continuous coverage from the first policy start date.

6. MS Chola Topup Healthline Plan

This health insurance policy enhances the cover of a basic health plan. Taken in-addition to the existing health insurance policy, this makes coverage more comprehensive.There are 7 different options of coverage. Plan A, B, C, D, E, F and G.

Features of MS Chola Topup Healthline Plan

  • MS Chola Topup Healthline Plan is designed in a manner to offer maximum coverage for the higher medical expenses of a family. It can be on an Individual sum insured or floating sum insured basis, depending on the requirement of an individual.
  • The policyholder also enjoy directly through Chola MS Individual Healthline Insurance Plan– there is no involvement of any third party administrators.
  • MS Chola Topup Healthline Plan offers the option to opt for higher Sum insured and OPD expenses cover for the policyholder.
  • Hospitalisation cover of MS Chola Topup Healthline Plan includes doctors' fee, nursing, room charges (subject to per day limits as mentioned in the policy schedule), ICU charges, diagnostics, medicines, anaesthesia, blood, oxygen, operation theatre charges, surgical appliances, etc.
  • There are the seven plans viz. Plan A, B, C, D, E, F and G within the Chola MS Topup from which anyone can choose the plan as per requirements. The Sub-limits on the various expenses covered under this policy also vary according to the chosen plan of the policyholder.
  • 60 days pre hospitalisation expenses are covered while 90 days post hospitalisation expenses are covered by the policyholder
  • Emergency ambulance service is also provided to the policyholder up to Rs. 3,000 per Hospitalization under the MS Chola Topup Healthline Plan.
Entry Age 18 to 65 years; 3 months for children
Basis Individual or Floater
Renewability Lifetime
Medical Screening Required above the age of 55 yrs.
Policy Period 1, 2 or 3 yrs.

Exclusions

  • The expense which incurred during the first year of operation of the Insurance on the treatment of diseases such as Cataract, Hernia / Hydrocele, Benign Prostate Hypertrophy etc are not covered under MS Chola Topup Healthline Plan.
  • Cover for any illness that is caused within the 30 days from the commencement date of the policy is also not covered.

7. Chola MS Critical Healthline Insurance

Nowadays, critical illness health insurance cover has become one of the essential and necessary insurance covers due to increasing critical illnesses. Chola MS Critical Healthline Insurance offers to fix benefit policy with the flexible Sum Insured that a policyholder chooses from the listed Critical Illness cover mentioned in the insurance policy.

Features of Chola MS Critical Healthline Insurance

  • Chola MS Critical Healthline Insurance Lump sum payment for a range of critical illnesses: Guaranteed cash will be paid when the policyholder is diagnosed with any of the critical illness that is included in the insurer’s list.
  • Chola MS Critical Healthline Insurance offer two plans options to choose from
    • Standard Plan: Covers 10 critical illnesses
    • Advanced Plan: Covers 12 critical illnesses plus ambulance charges of up toRS.1000.
  • Chola MS Critical Healthline Insurance offers lifetime policy renewal option.
  • Any proof of hospital expenses is not required during the claim time.
  • Up to Rs. 1000 per insured year of the insurance policy
  • The maximum sum that can be offered by the policy is Rs. 10 lakhs.
Entry Age 18 to 65 years; 5 yrs. for children
Basis Individual
Sum Assured Rs.3, 5 or 10 lakhs
Medical Screening Required above the age of 55 yrs.
Renewability Lifetime

Exclusions

  • Any critical illness that is a result of some pre-existing disease is not covered.
  • If any critical illness is diagnosed within the first 3 months (90 days) from the date of commencement of the health insurance policy then it is not covered.
  • Any intentional injury that is caused knowingly due to intake of any harmful toxic drugs and alcohol is also not covered.

8. Chola MS Hospital Cash Healthline

The Chola MS Hospital Cash Healthline insurance policy offers the policyholder a broader parameter to meet the expenses during hospitalisation.

Features of Chola MS Hospital Cash Healthline

  • Chola MS Hospital Cash Healthline is available in three flexible variants viz. Plan A, Plan B, Plan C to give the policyholder the freedom to choose the right plan according to requirement, needs and expected coverage.
  • Convalescence Benefit (Lump sum payment on continuous hospitalization beyond 20 days payable once per policy period per person) is Rs. 10000, Rs. 15000 and Rs. 20000 for Plan A, Plan B, Plan C respectively.
  • Family discount of 5% on total premium for every additional insured is offered to the policyholder but it is up to 10%
  • Double confinement benefit in case of ICU hospitalization is offered by Chola MS Hospital Cash Healthline to the policyholder.
Entry Age 18 to 65 years; 3 months for children
Medical Screening For people above 55 years
Discounts 5% for every additional member covered, max.10%
Premium Plan A: Rs.762 to Rs.6,817 - Plan B: Rs.1,317 to Rs.13,355 - Plan C: Rs.1,872 to Rs.19,893
Discounts Available
Renewability Lifetime

Exclusions

  • Cover for any illness that is diagnosed within 30 days from the commencement date of the policy is also not covered.
  • Any pre-existing disease or condition until 48 months of consecutive coverage is not covered.

9. Chola Classic Health – Individual

Chola Classic Health – Individual Insurance plan is a complete medical plan package for the policyholder that gives backup support to him/ her and ensures financial security during the hour of need. Chola Classic Health – Individual insurance policy ensure the stress free and peaceful future.

Features of Chola Classic Health – Individual

  • There are no sub- limits for the disease in Chola Classic Health – Individual insurance plan.
  • Dependents parents of the policyholder are also covered in the policy up to 65 year age.
  • Cumulative Bonus benefit allowing an automatic increase of 5% in the sum insured for each claim free year (up to a maximum of 50%) is also offered by the Chola Classic Health – Individual insurance plan.
  • On payment of extra premium and if everything else is a place then an extra health care cover option is also provided to the insured.
  • General Health checks up, Eye Examination and Hospital Daily allowance are also covered under the Chola Classic Health – Individual insurance plan.
Entry Age 18 to 65 years.
Policy Period 1 year
Renewability Lifetime
Medical Screening Required above 45 yrs.
Sum Assured Rs.1, 1.5, 2, 3, 4, 5, 7.5 or Rs.10 lakhs No-claim Bonus: 5% enhancement of sum assured for every claim-free year; max. 50%

Exclusions

  • Any illness that is caused by War, radioactivity is not covered.
  • HIV and other STDs, travel expenses, vaccination, dental expenses, cosmetic treatment expenses, obesity, beauty treatment etc is also not covered under the Chola Classic Health – Individual insurance plan.

10. Chola Classic Health - Family Floater insurance Plan

Family is not a word but it is a strong emotion that gives you a strong feeling of love and care whenever you think about it. You may do anything to save your family and protect in odd situations. During some medical emergency you may invest all you’re saving to get your loved ones treated, but what after that? How will you accommodate their life as before? Chola Classic Health - Family Floater insurance Plan ensures that you can take care of your loved ones without even getting robbed of your savings. Chola Classic Health - Family Floater insurance is a comprehensive plan that protects your loved ones with an umbrella of a single sum insured for the entire family.

Features of Chola Classic Health - Family Floater insurance Plan

  • In the Chola Classic Health - Family Floater insurance Plan there is No hidden Conditions / Clauses and there are No Sub-limits for diseases.
  • Due to one insurance policy, there are No hassles of tracking renewals for different members. Hence it is very easy to manage.
  • 141 Day care which are the Procedures not requiring 24 hrs of hospitalization expenses are covered under the Chola Classic Health - Family Floater insurance Plan.
  • There is pre hospitalisation cover for 60 days while the post hospitalisation cover is for 90 days.
  • Hospitalisation expenses including ICU charges, nursing expenses, Surgeon fees, OT charges, Doctors fees, room and boarding charges, organ transplantation coast (excluding the cost of the organ) are also covered.
  • Anyone from the family can claim the entire sum insured in the policy in the hour of need.
Entry Age Up to 65 yrs.
Renewability Lifetime
Medical Screening Not required
Basis Floater
Sum Assured Rs.2 to 5 lakhs

Exclusions

  • Pre-Existing Condition means any condition, Injury or related condition(s) for which an Insured Person had signs or symptoms, and received medical advice within 48 months period prior to his / her first policy with the Insurer are not covered.
  • Any illness that is caused by War, radioactivity, HIV and other STDs, travel expenses, vaccination, dental expenses, cosmetic treatment expenses, obesity, beauty treatment etc is also not covered under the Chola Classic Health - Family Floater insurance Plan.

11. Chola MS Super Topup Insurance

Chola Super Toup Insurance is a classic Topup Health plan which offers coverage to meet your higher medical expenses on a floating Sum Insured basis or on Individual Sum Insured basis.

Features of Chola MS Super Topup Insurance

  • The Chola MS super Topup Insurance plan offer a wide coverage to meet the medical expenses of the policyholder on a floating sum insured basis or an Individual sum insured basis.
  • The Chola MS Super Topup Insurance offer coverage for Extended family under Individual Policy.
  • Under this Long Term Cover of the insurance Policy can be availed for One, Two or Three Years Term.
  • The Chola MS super Topup Insurance plan offer relaxed entry age from 3 months to 70 Years. But, Proposer should be 18 years of age at the time of availing the policy.
  • The Chola MS super Topup Insurance plan offers the AYUSH treatment cover that is the non – allopathic treatments.
  • Hospitalisation charges such as ICU charges, Doctors fees, room etc charges are covered.
Renewal Lifetime
Portability Yes
Free Look Period 15 days
Day Care 140
Pre insurance health checkup Upto 50% will be reimbursed

Exclusions

  • Day one Coverage for Accidents is covered under the Chola MS super Topup Insurance. However, this policy is subject to a waiting period of 30 days for claims due to illness.
  • Any Weight Control program is also not covered under the Insurance policy.

Cholamandalam Health Insurance and its necessity

Health is a very important factor to enhance the growth of individual and loved ones. You remember the time when you were a little kid and your grandmother used to treat with home remedies for most of the illness and magically, you used to feel better just with the same. Somewhat it was because of a healthy lifestyle, eating green vegetables, the air was fresh and your immunity system was strong. But, now, even in your minute cold and cough you May need doctor a doctor to consult and eat medicines. It is because, with the change in time, lifestyle has also changed.

We tend to be a believer in the fast life. In the race of this fast life, we left behind the main motive of life and our health. We start to live on fast machines, fast gadgets and fast food in order to sort our life race. While we filter important things to do in a day, and 1 rare person out of 100 May write down drinking 8 litre water, hitting the gym or a vow to cut the junk out of the daily lifestyle. Because we actually do not look at our health as an important factor until and unless it gives us some problems like illness or some impairments. And in such a situation even the little help problems, successfully hindered the race in race and pace of our fast life. For example, imagine you got ulcers in your mouth.

Even one ulcer will change your eating habits, you will remember to drink water, and you will take care of your mouth till the time your ulcer heals. How is just one small illness change our outlook on our health? Now imagine you or your loved ones suffering from some critical disease, some accident, or some other physical disorder which is unplanned. This is so hard to imagine then why can’t we be ready for the bigger and smaller health issues beforehand? Health Insurance is just the answer to all health-related problems in our sorted manner.

In India, as the education sector is booming so is the awareness of taking care of one’s life before any major problem with. The insurance sector is just another result of educated India. People are now more aware and they want to be ready for Security of their property, motor, life, and health-related Problems in advance. Due to decreasing immunity system and the birth of various new– new virus and illnesses which are quite expensive for the treatments, health insurance has become the greatest need of the hour. Instead of investing heavy money as the hospitalisation fees and burning hole in the pocket, one can easily pay an affordable premium of health insurance policy and be safe from the economic point of view at least.

Cholamandalam is the right health insurance company that you trust for your healthcare needs of long run. All plans by this companies are great it its own ways and the company offers a wide range just to cater different needs of customers.

Chola MS Health Insurance Claims Process

Cholamandalam health insurance policies offer great health insurance covers. And along with the covers, they offer very smooth and transparent insurance claim process for the customers. Following are the two ways to make an insurance claim under the Cholamandalam health insurance policies-

1. Cashless service
  • In this condition, the policyholder does not have to pay the bill if he/she is admitted in a hospital or nursing home up to the sum insured under the insurance policy.
  • The policyholder has to report at the TPA desk of the hospital along with the Chola MS Health Card, a Photo ID card and the investigation reports and complete the pre authorisation form.
  • The letter will be sent to the claim management team for authorisation and they have the power to cross questioning the hospital for the same.
  • In case the authorization is rejected by the team then the policyholder has to pay the amount and pay to initiate the treatment and file then file for reimbursement claim.
2. Reimbursement Claim
  • The policyholder has to complete the necessary information in the reimbursement form.
  • Then the required documents such as discharge summary, prescription etc will be sent along with the form.
  • An approved letter will be received from the claim management team if everything is a place.
  • In case your claim is rejected you will receive the same along with the reason.

Review of the Chola MS Health Insurance

Chola MS Health Insurance offers a very vast range of health insurance plans which cover an individual from all aspects of individual and family members’ health protection. Chola MS Health Insurance ensures peace of mind and facilitates the policyholder to bear all expenses of medical emergencies in a smooth manner. Chola MS Health Insurance had 105 branches and over 9000 agents, the company offers a quite good customer care service and customer friendly environment. Individual health insurance in India can be availed by any individual resident between the ages of 18 to 65 to undergo treatment in India.

Claim Form Download

Click Here To Download

Contact Address

Cholamandalam MS,General Insurance Company Ltd,

2nd Floor, "Dare House", No.2, NSC Bose Road,Chennai - 600001, India.

E-MAIL ID: customercare(at)cholams(dot)murugappa(dot)com

Phone: 044-3044 5400 , Fax no: 044-3044 5550

FAQ

1. Which factors are called the premium deciding factors of the Cholamandalam health insurance policy?

Following factors are very crucial for deciding the premium amount of the insurance plan-

  • Gender of the policyholder
  • Age of the policyholder
  • The monetary value of the insurance amount chosen

2 What are the documents required for processing the treatment in Cholamandalam health insurance policy?

Following is the documents required for processing the treatment in Cholamandalam health insurance policy-

  • Claim form duly filled and signed
  • Prescription of a doctor advising the admission
  • Discharge card issued by the hospital
  • Final hospital bill (in original) and payment receipt
  • Medical investigation reports
  • Medicine bills with the supporting prescriptions
  • Invoice/sticker for implants if used in the surgery
  • Other bills or documents related to the treatment

3. I already have a critical illness policy; can I get one new one from Chola MS Critical Healthline Policy?

Yes, it is possible to buy an MS Critical Healthline Policy even when you have some existing policy. The insured can claim both Critical illness cover of the policies when a critical illness occurs.

4. What are the Documents Required for Purchasing the Chola MS Health Insurance Policy?

Documents Required for Purchasing the Chola MS Health Insurance Policy are-

  • ID proof such as voter ID card or/and adhar card.
  • Address proof, for example, Voter Id card or / and adhar card.
  • Medical certificates, if asked or required specifically in your health insurance policy.

5. What are the Health Alerts? What benefit does it offer?

The Health Alert is a feature that is available exclusively only to the Chola MS Health Insurance Policy policyholders, this feature provides health tips to customers through SMS alerts. From taking medication on time, meeting your family doctor on a scheduled appointment to health tips, this messaging service keeps you updated through instant messages for a healthy lifestyle.

6. How to activate the Health aware service?

Within a few days of buying or renewing your policy, an executive from Purple Teal will call you to activate the service. But, If you haven't updated your mobile number with the Chola MS Health Insurance Policy then you have to do so by, calling 1800-200-5544 (Toll Free) so that you do not miss out any important information.

Insurance Calculator