Cholamandalam Health Insurance Plan-Brochure


HEALTH INSURANCE

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.

Extra Benefits

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.

Main exclusions

  • 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. 



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By ramesh garg on Aug 7, 2014 6:10 PM

we are interested to unterstand the policy please call back at 9417515440 thanks
By susila on May 20, 2014 3:43 PM

Hi am $6yrs old i want to take a single policy on my name..I am female.will it cover master health check ups pls contact my mob no 9994288874
By m.s.sarveswaran on Feb 20, 2014 5:55 PM

PLEASE SEND YOUR REPRESENTATIVE CALL FOR PERSONAL DISCUSSION MOBILE NO 98403 47216
By LALIT GARG on Jan 25, 2014 12:26 PM

I WANT A PLAN OF FOR MY FAMILY PLEASE DISCUS ABOUT YOUR PLAN CONTACT ME MB. NO. 8750676283
By nitesh on Dec 12, 2013 4:20 PM

PL ARRANGE A CALL BACK FOR ME TO UNDER STAND CHOLAMANDALAM HEALTH INSURANCE POLICY PLAN.....
By naresh vinayak kamble on Dec 7, 2013 3:25 PM

I want helth insurance my family my contact no 9769880827
By shobha on Nov 16, 2013 5:48 PM

like to go for health insurance
By Hitender saini on Jun 23, 2013 2:44 AM

intererest to join for family policy. Phone 9992239470
By DINESH GD on Feb 11, 2013 5:45 PM

sir i want know what is the premium for 1 year for 2lacs coverage amt and what is the premium for 2 years for 2 lacs coverage amt. thankyou
By USHA SHAH on Jan 6, 2013 8:22 PM

sir i want know what is the premium for 1 year for 2lacs coverage amt and what is the premium for 2 years for 2 lacs coverage amt. thankyou
By angela on Apr 29, 2012 3:22 PM

kindly sir, would u inform me on how to go about in joining as m interested in the plan. how do i get insurance for me n my family.
By ajay pandey on Jan 31, 2012 2:01 AM

hi, I had cholamandalam health policy given by my empolyer two-years back, i want to continue it individual now, please send me the detail.
By siby sebastian on Nov 14, 2011 12:21 AM

intererest to join for family policy. Phone 9958905958
By siby sebastian on Nov 14, 2011 12:21 AM

intererest to join for family policy. Phone 9958905958
By siby sebastian on Nov 14, 2011 12:21 AM

intererest to join for family policy. Phone 9958905958
By siby sebastian on Nov 14, 2011 12:21 AM

intererest to join for family policy. Phone 9958905958
By siby sebastian on Nov 14, 2011 12:21 AM

intererest to join for family policy. Phone 9958905958
By hem on Sep 30, 2011 12:15 PM

Please inform us that M/s paras hospital, gurgaon is covered under the cholamandalam ms general insurance or not.
By hem on Sep 30, 2011 12:15 PM

Please inform us that M/s paras hospital, gurgaon is covered under the cholamandalam ms general insurance or not.
By kims sai seshadri hospital on Aug 10, 2011 5:16 PM

Dear sir/Mam I am kims sai seshadri hospital insurence to in my hospital how to apply empanalment pls give in answer to my qustion
By Manish Kapoor on May 28, 2011 8:34 PM

Interested in this policy..pls guide..my no is 9811864996
By rajagopalan on May 20, 2011 11:30 AM

Sir, I have family health plan( 02 Lacs) started on August-10 and I want to know that can we do the health check ups in this plan? Please send List of hosipitals in Kerala, which are approved by your insurance Regards Rajagopalan
By sudershan kumar on Feb 27, 2011 4:59 PM

its excellent in comparison to icici lombard.hdfc ergo or bajaj allianz etc.
By Tarak Dey on Dec 29, 2010 12:02 PM

Thank You
By Tarak Dey on Dec 29, 2010 11:58 AM

Thank You
By rakesh on Dec 8, 2010 10:09 PM

i want purchase health policy
By shobhit dwivedi on Sep 14, 2010 4:48 PM

sir,can i take a health policies for our mother .she is 61yrs old.she is also a patient.
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