Cholamandalam MS General Insurance Features and Benefits

Chola Mandalam General Insurance Company is a joint cooperation between India’s Muruguppa Group and Japan’s Mitsui Sumitomo Insurance Group.

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Get ₹5 Lac Health Insurance starts @ ₹200/month*
Tax Benefitup to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    The insurer follows T3 motto i.e. Technology, Trust and Transparency. In 2001, Cholamandalam MS General Insurance Co. Ltd. commenced its operations and is now headquartered in Chennai.

    In a short period of time, Cholamandalam MS General Insurance has opened more than 109 branches across India and also has a widespread presence overseas. For launching innovative products, Company was felicitated with the ‘Financial Insights Innovation Award’ at the Asian insurance Congress.

     It is one of the most renowned insurance providers in the general insurance sector and offers a gamut of products in Travel Insurance, Motor Insurance, Personal Accident Insurance, and Home Insurance sector. The company provides insurance products for both urban and rural population.  

    They are also known to offers seamless customer services that make investing in its general insurance plans a safe option.

    Benefits of Cholamandalam MS General Insurance

    • Sum Assured Options:  Policy come with a wide range of sum assured options.
    • Comprehensive Coverage: Most of the plans offer comprehensive coverage against various unforeseen circumstances.
    • Hassle-free Purchase: At the time of policy purchase the insurer doesn’t require any additional documents from your end.
    • Seamless Claims Procedure: Their claim procedure is quite simple and convenient to ease your stress at the time of stress.
    • Easy Online Process- The procedure to purchase and renewal policy online is both simple and convenient.

    Features and Advantages of Cholamandalam MS General Insurance Plans

    Has a wide range of product offerings in different aspects of general insurance covering individual, corporate, and rural insurance

    • 24x7 grievance redressal by their customer support team
    • Cashless claim settlement facility on multiple offerings
    • Easy-to-use online insurance login
    • Availability of online general insurance claim form
    • Easy to insure process
    • Additional benefits available in comprehensive general insurance plans

    General Insurance Products Provided by Cholamandalam MS General Insurance

    For individuals,  This offers a wide range of insurance products such as Travel Insurance, Car insurance, Personal Accident Insurance, Health Insurance, and Home Insurance.

    For Corporates and SME's,  This offers personalized insurance products encompassing risk consulting and insurance services such as Liability Insurance, Engineering Insurance, Property Insurance, and Miscellaneous Insurance.

    Cholamandalam MS General Insurance Plans for Individuals

    In this category, It offers car, health, and travel-related insurance plans for individuals.

    • Car Insurance: It offers comprehensive motor insurance plans for private and commercial vehicles. And the plans include 24x7 car breakdown assistance in case of emergencies and road accidents. Third-party damage cover and in-house damage cover is also provided in the same.
    • Travel insurance: Cholamandalam MS travel insurance policies offer extensive protection against all the perils related to traveling. It includes flight delays, loss of checked-in baggage loss, and even personal illness.
    • Personal Accident Insurance:  Accident Protection plan is a unique plan that offers financial assistance in case of an accident or an unfortunate event. It offers weekly compensation to Individuals and family members in case of loss of income resulting due to death or accidental disabilities.
    • Health Insurance: There are a number of health insurance plans for individuals, families, and senior citizens offering maximum coverage in the time of distress.
    • Home Insurance: Chola MS Total Home Protect Plan provides comprehensive protection for the building infrastructure, the items inside including coverage for the family.

    Chola MS Corporate Insurance Products

    • Corporate Health Insurance: Chola MS offers group medical insurance plans for corporate entities covering permanent/ partial disabilities as well as an accidental death. Corporate health insurance plans offered by Cholamandalam MS Health Insurance are designed to offer security to an organization and its employees (including families) with a range of other different plans.
    • Marine Insurance: Marine insurance is one of their oldest products compensating for damages occurred to the marine cargo. The value of marine cargo is very high and its transportation can be a tedious task.
      The marine insurance plan ensures the safety of the cargo (throughout the sea journey)untill it reaches the destination.
    • Fire Insurance: Cholamandalam MS fire insurance policy offers protection to all the industries from accidents/damages resulting due to fire.
    • Property Crime Insurance:  Property Crime Insurance offers coverage to businesses and their valuables from any natural disasters and burglary attempts. Any damage caused to the property is recompensed.
    • Engineering Projects: The Contractors All Risk policy and Erection All risk policy covers any damage caused to your property during the construction process or even if the building collapses. It includes natural disasters such as water, earthquake, flood, cyclone etc.
    • Liability Insurance:  Liability insurance offers protection to you and your business in case of any legal liabilities and implications arising due to third-party damages.

    Cholamandalam MS General Insurance has designed a Special Insurance Plan for Farmers

    Crop Insurance: The plan offers financial support to the farmers in case of any damage or loss arising out of any untoward perils. It covers losses occurring due to unseasonal rainfall, pre-sowing and post-harvest losses resulting due to cyclonic rains. There are various other benefits that are provided in this plan.

    Cholamandalam MS General Insurance Policy Renewal

    To avail uninterrupted benefits of Cholamandalam MS General Insurance plans, it is required to renew all the plans in time. If not renewed before the due time, your coverage will end and you will also end up losing your No Claim Discount. To avoid any complications, you must renew any of the above plans before the expiry date.

    To renew you Cholamandalam MS General Insurance policies you can go the insurer’s site and choose the online renewal option to save your time and effort.

    The process to renew your general insurance plans is listed below:

    • Visit the Cholamandalam MS General Insurance website
    • Select ‘Renew Online option
    • Go to ‘Renew Your Policy’ option
    • Provide all the required details to register yourself
    • Now select your policy.
    • Pay the insurance premium online using your debit or credit card, or net banking.
    • Once the payment is made, your policy will be renewed.

    The insurer will share your Insurance policy on your registered email id. However, you can easily download the policy document and use it for future reference.

    To Conclude

    As you can see, Cholamandalam MS General Insurance products come with attractive benefits and features at an affordable cost. And it offers extensive coverage with user-friendly insurance plans. You can buy a plan as per your needs and preferences to secure yourself against any stressful situation.

    Written By: PolicyBazaar - Updated: 02 August 2021

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