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Cholamandalam Family Health Plan Brochure

Chola Family Health plan offers the convenience of availing a single policy to take care of the complete health insurance needs of all the major illness which other health insurance policies cover, chola family health plan goes a step forward covering minor ailments, durable medical equipments used, pays a hospital daily cash and much more. All these with the cashless facility taking care of all financial exigencies arising out of sudden health emergency. And what more, it gives you the power of a floating sum insured giving you the flexibility of extending the sum insured across all family members.

Chola offers comprehensive cover at different stages of treatment.

Pre-Hospitalization: (60 days pre-hospitalization)

Medical expenses incurred 60 days prior to hospitalization are reimbursed.

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Hospitalization: Cash free hospitalization covering expenses like room and board,

Doctors fees, intensive care unit charges, nursing expenses, surgical fees, (Cash free hospitalization) operating theatre expenses, anesthesia and oxygen and their administration, physical therapy, hospital miscellaneous services (laboratory, X-ray, diagnostic tests, etc.), Dressing ordinary splints and plaster casts, costs of prosthetic devices if implanted during surgical procedure, radiotherapy, chemotherapy, organ transplantation including the treatment costs of the donor but excluding the cost of the organ.

Post-Hospitalization: (90 days post-hospitalization) once discharged from hospital, the policy shall pay for medical expenses related to the hospitalization, for a period of 90 days after discharge.

Day care Procedure: The policy covers over 145 minor surgeries that require less than 24 Hours hospitalization under our day care procedure. These surgeries ordinarily fall outside the scope of health insurance policies available in the Indian market. (145 daycare procedures)

External Aids and Appliances: The policy reimburses the cost for specific external aids & appliances that are directly related to the hospitalization. (External Aids & Appliances)

Local Ambulance service: The policy provides for emergency ambulance road transportation by a licensed ambulance service to the nearest Hospital where emergency health services can be rendered.

Hospital Daily Allowance: Covers daily incidental expenses in the event of hospitalization. This Unique Plan comes to you at an amazing low price. (Special Price for you)

Eg: Assume families of four People (Husband, wife aged between 18-35 years +2 children 18 years) are interested to take a health insurance cover for Rs.3 Laces. As per market rates a health insurance cover for Rs. 3 laces for the entire family would come at a premium of Rs.14,500/-.

Under Chola family health plan a single policy would offer Rs.3 laces Health insurance cover for all four members of the family at a premium of Rs 8135/- giving you a discount of over 50%

*Approximate Market Rate for a Health Insurance Policy of 3laces for 2adults & 2children.

Main Exclusions:

  • Diseases, which have been in existence at the time of proposing this insurance.
  • Illness that commenced during the first 30days of inception of the first policy.
  • Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, piles, Sinusitis and related disorders, in the first year of the insurance. However, on renewal, this exclusion shall not apply.

For a complete list of exclusions, refer to the policy document.

24-Hour Emergency Assistance

Cholamandalam MS General Insurance has setup Chola MS HELP to offer hassle free claims to its Health Insurance customers. (Tel: CHOLA MS HELP 3989 8939, 1800 425 5544 Toll Free)


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Your Comments

By Tarak Dey on Dec 29, 2010 12:01 PM

Thank You
Did you know?
Medimanage is the only Dedicated Health Insurance Broker in India.
Medimanage has managed more than 25000 claims end-to-end.
Medimanage insures more than 2 Lakh lives every year.
I would like to thank you for all the help you provided I appreciate and thank you for the efficient and highly professional handling of my claim.

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