*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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Cholamandalam health insurance is offered by the Cholamandalam MS General Insurance Company, which was started as a joint venture between India-based Murugappa Group and Japan-based Mitsui Sumitomo Insurance Company in November 2001. These health plans provide financial assistance to individuals and families against medical expenses incurred on the treatment of diseases, such as cancer and COVID-19 along with customized plans for COVID-19 and critical illnesses.
The Cholamandalam MS General Insurance Company aims to bring excellent healthcare services within the reach of the common man. Moreover, the company has earned an incurred claim ratio of 117.08% for the year (2021-22).
Cholamandalam health insurance plans offer comprehensive coverage to different customers with varied health needs. Check out the list of various health insurance plans offered by Cholamandalam MS General Insurance Company below:
The Chola Flexi Health Supreme plan offers comprehensive coverage to all the members of a family against a wide range of medical expenses. The plan offers sum insured amount from Rs 5 lakh to Rs 5 crore and is available in three types – Basic, Plus and Premiere.
The Chola Flexi Health plan offers all-round medical coverage to the insured along with flexible sum insured options ranging from Rs 50,000 to Rs 25 lakh.
Chola Healthline is a comprehensive health insurance plan that covers the medical expenses of individuals and families by offering financial assistance. It is available with sum insured options ranging from Rs 2 lakh to Rs 25 lakh. The plan is available in four different types - Value, Freedom, Enrich and Privilege.
Chola MS Critical Healthline Insurance is a fixed-benefit plan that offers coverage for up to 12 listed critical illnesses. It comes with sum insured options of Rs 3 lakh, Rs 5 lakh and Rs 10 lakh. The plan comes in two types – Standard and Advanced.
The Chola Flexi Super Topup Insurance plan comes with higher medical coverage that comes to the policyholder’s rescue if the base policy limit is exhausted. The plan consists of an in-built deductible that ranges from Rs 1 lakh to Rs 1 crore with sum insured options ranging from Rs 3 lakh to Rs 5 crore.
The Chola Sarva Shakti plan has been specially designed to cover the medical needs of women. The sum insured is available from Rs 2 lakh to Rs 2 crore.
The Chola Hospital Cash Healthline plan provides coverage for miscellaneous expenses incurred during hospitalization. It pays a fixed amount ranging from Rs 1000 per day to Rs 3000 per day. The policy is sub-categorized into six different plans.
The Chola Super TopUp Insurance plan provides medical coverage for up to four times the base policy’s sum insured with an in-built deductible. It comes with a sum insured amount ranging from Rs 3 lakh to Rs 25 lakh and a deductible amount ranging from Rs 1 lakh to Rs 20 lakh.
The Chola Flexi Max Protect plan has been designed to offer financial coverage to the insured for up to 50 critical illnesses, including coma, stroke, cancer, etc. The plan is available in 5 types covering a varied number of critical illnesses.
The Chola MS COVID-19 Cover is a customized plan designed to cover the treatment expenses of the coronavirus disease. The sum insured under this plan ranges from Rs 10,000 to Rs 50,000.
Given below are the key reasons why you must buy a Cholamandalam health Insurance plan:
Take a look at the process to file a cashless claim with Cholamandalam health insurance below:
Intimate the Hospital & Insurer
Inform the network hospital about your Cholamandalam health insurance policy as soon as you get hospitalized. Also, inform the insurance company about your emergency hospitalization within 24 hours of getting admitted.
Provide Verification Documents
Produce your Cholamandalam health insurance policy along with a valid photo id proof for verification.
Submit the Pre-authorization Form
The hospital will send your filled-in pre-authorization form to the insurance company for cashless treatment approval.
Approval for Cashless Treatment
The insurer will check the documents and grant pre-authorization in accordance with the terms & conditions of your policy. In some cases, the insurer may appoint a field doctor to conduct the authorization process at the network hospital itself.
Cholamandalam MS General Insurance Company will review the documents shared by the network hospital and pay the final bill amount to them directly.
For reimbursement claims, pay the full hospital bill at the time of getting discharged and collect all the documents. Submit all the required documents to the Cholamandalam MS General Insurance Company. The insurer will verify the documents and pay you the claim amount as per your policy terms & conditions.
The following documents need to be submitted for a Cholamandalam health insurance reimbursement claim:
Cholamandalam health insurance policyholders can avail cashless treatment benefits at any of the network hospitals of the insurance company. Given below is the city-wise list of Cholamandalam Health Insurance network hospitals across India:
Take a look at the steps to buy a Cholamandalam Health Insurance plan online:
Step 1: Visit the official website of ‘Policybazaar Insurance Brokers Private Limited’
Step 2: Go to the ‘Health Insurance’ icon on the homepage
Step 3: Choose the family members to be insured and the age of the eldest member & child
Step 4: Enter the requested details in the available form, such as your city, name, gender, etc.
Step 5: Provide the details of your medical history, if any
Step 6: Select the Cholamandalam health insurance policy you want to buy and pay its premium
Step 7: The Cholamandalam MS General Insurance Company will issue the policy.
Here is a step-by-step guide for renewing a Cholamandalam health insurance policy online:
Step 1: Visit the homepage of Policybazaar Insurance Broker Private Limited
Step 2: Go to the ‘Renew Your Policy’ option at the top of the page and click on ‘Health Renewal’
Step 3: Fill in your mobile number along with the OTP received
Step 4: If you are new to Policybazaar, click on the ‘Health Insurance’ icon on the homepage
Step 5: Enter the required details, including your contact details
Step 6: Choose the Cholamandalam health insurance plan to be renewed and pay the premium amount
Step 7: The insurance company will renew your health plan.
Cholamandalam health insurance premium can be calculated with the help of an insurance premium calculator that uses basic details like your city, preferred sum insured, policy tenure, etc. Check out the Cholamandalam health insurance premium calculator below to estimate the premium of your policy online.
Take a look at the contact details of Cholamandalam MS General Insurance Company below:
|Whatsapp No||73052 34433|
Ans: The Cholamandalam health insurance claim settlement ratio is 97% for the year 2021-22.
Ans: Existing policyholders can log into the insurer’s website with their valid login details to check their Cholamandalam health policy. New users need to first create their accounts to check their policy details.
Ans: You can find the network hospital list for Cholamandalam health insurance with the policy document issued by your insurer. You can also visit Policybazaar.com to check the list of network hospitals in different cities.
Ans: Cholamandalam MS General Insurance Company ensures that claims are settled within 7 working days, provided the claims form is duly filled and the essential documents (medical reports and bills) have been submitted by the policyholder.
Ans: To cancel your policy, you need to contact the Cholamandalam health insurance customer care team of your insurer and request a cancellation. You can also walk into any of the nearest branches in your city with your policy documents and a duly filled surrender form. The premium refund will be made depending upon deducting the applicable charges.
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