While insurance must cover you for major illnesses, we firmly believe that the probability of common illnesses is far greater than major illnesses. That’s exactly why Chola Health Insurance helps you manage not just major but also minor illnesses that could occur without notice. Add to this wide cover, cash free hospitalization benefit that lets you financially manage any sudden illness more effectively.
In addition, with simple procedures and smoother claim processes you can be sure that Chola Health Insurance is the perfect way to manage any health crisis that might come your way.
Why let medical crisis causes a financial crisis?
Chola offers comprehensive cover at different stages of treatment.
Pre-Hospitalization: Medical expense incurred 60 days prior to the hospitalization are reimbursed. This is the longest time period offered by any Health Insurance policy in India.
Hospitalization: You will be reimbursed expenses like room and board, doctors' fees, intensive care unit charges, nursing expenses, surgical fees, operating theatre expenses, anesthesia and oxygen and their administration physical therapy, drugs and medicines consumed on premises, hospital miscellaneous services (Laboratory, X-ray, Diagnostic tests, etc.), Dressing, ordinary splints and plaster casts, costs of prosthetic devices if implanted during a surgical procedure, radiotherapy, chemotherapy, organs transplantation including the treatment costs of the donor but excluding the cost of the organ.
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. This is something unmatched by any other Health Insurance policy in India.
Day Care Procedure: The policy covers over 147 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.
Local Ambulance Service: In the event of an emergency, cover is provided for expenses incurred on ambulance services to the nearest hospital where Emergency Health facilities are available.
Cholamandalam Health Insurance policy ensures comprehensive coverage by offering value added features, at a nominal increase in premium, like:
General Health and Eye Examination: You will be reimbursed the expenses incurred for general health and eye examination.
Hospital Daily Cash Allowance: In addition to hospital expenses, a daily hospital allowance will be paid for the period of hospitalization.
- Diseases, which have been in existence at the time of proposing this insurance.
- Illness that commenced during the first 30 days 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 insurance. However, on renewal, these exclusions shall not apply.
For a complete list of exclusions, refer to the policy.
24-Hours Emergency Assistance
Cholamandalam MS General Insurance has tied-up with paramount Health Care Services (PHS) to offer impeccable services and 24-hour emergency assistance to its health insurance customers. PHS is Joint Venture Company with Munich Re, the world’s largest reinsurance company.
The services offered by CHOLA MS HELP
- Complete guidance on the hospitalization procedure within the network to hospitals.
- 24-hr helpline through 1600-220848 (Toll free) for claim intimation and consultation on hospitalization.
- Hassle-free claim guidance and reimbursement of hospitalization expenses.
For a complete list of term and conditions, please refer to the policy document.
About Chola MS Cholamandalam MS General Insurance Company Limited.
Cholamandalam MS General Insurance Company (Chola MS) is a Joint venture between the US$ 2.4 Billion Murugappa Group & Mitsui Sumitomo Insurance Group Japan. Murugappa Group is a pioneer and market leader in various fields and has strong presence in fertilizers, Sugar, Abrasives, Cycles, bathroom accessories and Consumer finance. Mitsui Sumitomo is the second largest Insurance Group of Japan with a net written premium of US$ 12.64 Billion in General Insurance. Chola MS is headquartered in Chennai and has 100 offices spread across India. Chola MS offers a wide range of products that include Accident, Engineering, Health, Liability, and Marine, Motor, Property, Travel & Rural insurance for individuals as well as corporate customers.