Cholamandalam Health Insurance
*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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Overview of Cholamandalam Health Insurance
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).
Choose Cholamandalam Health Insurance Coverage of Your Choice
Cholamandalam Health Insurance Plans
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.
Features & Benefits:
- In-patient hospitalization, global hospitalization and home care expenses are covered
- Maternity cover, newborn baby cover and infertility treatment cover are available
- Specialist consultation charges, bariatric surgeries and high-end diagnostics are covered
- Consumables cover, daily care benefit and recovery benefit are available
- Unlimited restoration of the sum insured for up to 100% is available
- Additional sum insured is paid for road traffic accident claims
- Health check-up facilities are available after every 2 years
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.
Features & Benefits:
- In-patient, pre-hospitalization and post-hospitalization expenses are covered
- Newborn baby cover, AYUSH cover and domiciliary hospitalization are available
- No room rent applies to a sum insured of more than Rs 2 lakh
- Health check-up benefit is available after every 2 claim-free years
- 10% cumulative bonus for up to 50% is available after every claim-free year
- 100% restoration of the sum insured and additional sum insured for road traffic accidents are available as add-on covers
- Recharge benefit, daily care benefit and medical second opinion are also available as add-ons
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.
Features and Benefits:
- No pre-policy health check-up is required for up to 45 years
- Coverage for in-patient hospitalization, ambulance service and pre & post-hospitalization expenses are available
- Day care procedures, domiciliary treatments and AYUSH treatments are covered
- Child hospitalization allowance, extended hospitalization allowance and dental OPD are available
- Maternity and newborn baby expenses are also covered
- Double the sum insured amount is paid for 14 named critical illnesses and accidents
- Free health check-ups are available after a block of claim-free years
- A 5% cumulative bonus for a maximum of 25% is granted for every claim-free year.
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.
Features and Benefits:
- A lump sum payment is made on the diagnosis of up to 12 critical illnesses, including cancer, stroke, first heart attack, kidney failure, etc.
- While the Standard plan covers 10 critical illnesses, the Advanced plan covers 12 critical illnesses along with ambulance charges.
- No pre-medical check-up is required for up to 55 years
- A survival period of 30 days is applicable.
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.
Features & Benefits:
- Coverage for in-patient hospitalization and domiciliary hospitalization are available
- Both pre-hospitalization and post-hospitalization expenses are covered
- AYUSH benefit and emergency ambulance cover are also available
- No sub-limits or co-payments are applicable
- No pre-policy medical check-up is required for up to 55 years
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.
Features & Benefits:
- Coverage for maternity expenses and medical termination of pregnancy are available
- Costs of hospitalization, day care procedures and ambulance charges are covered
- Both personal accident cover and critical illness cover are available
- Cancer screening benefit is available after 3 policy renewals
- Genetic testing cover for mother & child and EMI benefit due to loss of job are available
- Temporary domestic help and little baby caregiver expenses are covered
- No pre-policy medical check-up is required
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.
Features and Benefits:
- A hospital cash benefit is paid for each day of hospitalization
- Twice the daily hospital cash amount is paid for every 24 hours spent in the ICU
- Coverage for a maximum of 20 days are available in a policy year
- Convalescence benefit is provided on hospitalization of more than 20 continuous days
- No pre-policy health check-up is required for up to 55 years
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.
Features & Benefits:
- Costs of in-patient hospitalization and domiciliary hospitalization are covered
- Day care procedures and AYUSH cover are available
- Emergency ambulance and pre-post hospitalization expenses are covered
- No pre-policy health check-up is required for up to the age of 55 years
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.
Features & Benefits:
- Lump sum payment is made on the diagnosis of the first critical illness
- Double protection cover for second critical illness is available
- Loss of job cover and loss of income for self-employed are also available
- Medical second opinion is available as an add-on cover
- A survival period of up to 30 days is applicable
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.
Features & Benefits:
- Lump sum payment is made on the diagnosis of COVID-19
- Daily cash benefit is available as an add-on cover
- Option to add loss of job cover to the policy is also available
- No pre-policy medical check-up is required
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Why Should You Buy Cholamandalam Health Insurance Plans?
Given below are the key reasons why you must buy a Cholamandalam health Insurance plan:
- No Pre-policy Medical Check-up – Most Cholamandalam health plans do not require customers to undergo a pre-acceptance health check-up for up to 45 years of age.
- Additional Sum Insured for Road Traffic Accidents- The policyholder is entitled to an additional sum insured amount once during the policy period in case of road traffic accident claims.
- Faster Settlement of Claims – The insurance company boasts of settling 90% of the cashless claims within 45 minutes making it a faster process.
- Tax Benefits - Customers get a tax benefit on the premiums paid for the Cholamandalam health insurance policies under section 80D of the Income Tax Act.
How to File a Claim with 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.
Claim Settlement
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.
Documents Required for Cholamandalam Health Insurance Claim
The following documents need to be submitted for a Cholamandalam health insurance reimbursement claim:
- Duly completed and signed claim form
- Doctor’s prescription advising hospital admission
- Discharge card issued by the hospital
- Original final hospital bill along with the payment receipt
- Medical investigation reports
- CKYC of the insured
- All pharmacy bills accompanied by relevant prescriptions
- Implant stickers or invoices if used for any surgery
- Any other treatment-related documents or bills
- Copy of FIR and/or Medico Legal Certificate (MLC) (For road traffic accident cases)
- Cancelled cheque of the policyholder to make claim payments through NEFT
Cholamandalam Health Insurance Network Hospitals
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:
How to Buy Cholamandalam Health Insurance Plans?
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.
How to Renew Cholamandalam Health Insurance Plans?
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.
How to Calculate Cholamandalam Health Insurance Premium?
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.
Contact Details of Cholamandalam Health Insurance
Take a look at the contact details of Cholamandalam MS General Insurance Company below:
| Categories | Contact Details |
| Toll-free No | 1800-208-9100 |
| Whatsapp No | 73052 34433 |
| Email Id | customercare@cholams.murugappa.com |
Cholamandalam Health Insurance - FAQs
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Q1. What is the claim ratio of Cholamandalam health insurance?
Ans: The Cholamandalam health insurance claim settlement ratio is 97% for the year 2021-22.
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Q2. How to check my Cholamandalam health insurance policy?
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.
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Q3. Where can I find Cholamandalam health insurance hospital list?
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.
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Q4. What is the company process to settle the claim for Cholamandalam health insurance?
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.
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Q5. What is the policy cancellation process for Cholamandalam health insurance?
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.
- 30 minutes claim support*(In 120+ cities)
- Relationship manager For every customer
- 24*7 claims assistance In 30 mins. guaranteed*
- Instant policy issuance No medical tests*
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