Cholamandalam Health Insurance at a Glance:

Key Features	Highlights
Network Hospitals	9000+
Incurred Claim Ratio	40.67
Renewability	Lifelong
Waiting Period	3 years

Key Features of Chola MS Health Insurance Plans

Given below are the features and benefits of Chola MS Health Insurance plans:

Daycare Procedures
Over 539 daycare procedures are covered under the Cholamandalam plans.
Individual and Family Floater Coverage- The policy offers sum insured options on both individual and family floater basis
New Born Baby cover from day one-Coverage from Day one subject to mother being covered under the policy for continuous 12 months from policy commencement date
Restoration of Sum Insured up to 100% - 100% restoration of sum insured is provided for unrelated claims in case the Sum Insured & Cumulative Bonus is exhausted or is insufficient.
Coverage for AYUSH and Domiciliary without sublimit- Coverage is provided up to full Sum Insured for Inpatient hospitalization under AYUSH and Domiciliary treatment.
Daily Cash benefit - Daily Benefit per day towards accompanying person expenses up to a maximum of 10 days for each policy term.
Additional Sum Insured for Road Traffic Accidents- Up to 25% of SI subject to a maximum of Rs.3 lakhs once during the policy period.
Medical Second Opinion-Reimbursement of cost of obtaining medical second opinion
Compassionate Travel- Chola MS Health plans reimburse the cost of Air travel expenses incurred by the family member to visit the hospitalized insured for a life threatening condition
Health Check-up- Health Check-up facilities at the end of every two claim-free years
Tax Benefits- Customers get a tax benefit on the premiums of the health insurance policies that they pay under section 80D of the Income Tax Act.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

List of Chola MS Health Insurance Plans

The company offers a variety of health insurance plans to customers. Let us take a look at each of the plans in detail:

Chola MS Healthline Plans- This is a comprehensive health insurance plan that covers medical expenses for families on a floating sum insured basis that covers self, spouse and two dependent children. It also provides coverage on an individual sum insured basis that covers self, spouse, dependent children, dependent parents, parents-in-law and siblings. The benefits under this policy are provided via four different plans, which are Value Healthline, Freedom Healthline, Enrich Healthline and Privilege Healthline.

Value Healthline Plan
- The sum insured amount ranges from Rs 2 lakh to Rs 10 lakh
- Pre and post hospitalization expenses covered for 30 and 60 days respectively
- Daycare procedures are covered that do not require 24 hours hospitalization
- Domiciliary treatment is covered where the treatment is undertaken at home for a maximum of 7 days in a single policy year
- Emergency ambulance charges up to Rs. 1000 are covered per hospitalization
- Treatment expenses for the organ donor at the time of organ transplant are covered
- There is the Ayush Benefit where medical expenses for in-patient treatment taken under Ayurveda, Unani, Siddha and Homeopathy are covered
- 50% of the cost of the pre-insurance health check-up will be reimbursed on the issuance of the policy
- In case of co-payment for those aged above 55 years, the percentage will be 10% on all claims.
- There is lifetime renewal on the policy
Eligibility
- Coverage is provided from the age of 18 years to 65 years.
- A child can be covered from three months onwards to 26 years if one parent is covered under this plan
- This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law.
- A pre-policy health check up is required after the age of 45 years.
Freedom Healthline Plan
- The Sum Insured amount ranges from Rs 3 lakh to Rs 15 lakh.
- Pre and post hospitalization expenses covered for 60 and 90 days respectively
- 141 Daycare procedures are covered that do not require 24 hours hospitalization
- Domiciliary treatment is covered where the treatment is undertaken at home for a maximum of 7 days in a single policy year
- Emergency ambulance charges up to Rs. 2000 are covered per hospitalization
- Treatment expenses for the organ donor at the time of organ transplant are covered
- There is the Ayush Benefit where medical expenses for in-patient treatment taken under Ayurveda, Unani, Siddha and Homeopathy are covered
- 50% of the cost of the pre-insurance health check-up will be reimbursed on the issuance of the policy
- There are no sub-limits on room rent tariffs, consultation fees and diagnostic costs
- There is a cumulative bonus of 5% for every claim-free year, that is subject to a maximum of 50% of the Sum Insured
- There is lifetime renewal on the policy
Eligibility
- Coverage is provided from the age of 18 years to 65 years.
- A child can be covered from three months onwards to 26 years if one parent is covered under this plan
- This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law.
- A pre-policy health check up is required after the age of 45 years.
Enrich Healthline Plan
- The Sum Insured amount ranges from Rs 3 lakh to Rs 25 lakh.
- Access to cashless hospitalization facility across empanelled hospitals all over the country
- Pre and post hospitalization expenses covered for 60 and 90 days respectively
- 141 Daycare procedures are covered that do not require 24 hours hospitalization
- Domiciliary treatment is covered where the treatment is undertaken at home for a maximum of 7 days in a single policy year
- Emergency ambulance charges up to Rs. 2000 are covered per hospitalization
- Treatment expenses for the organ donor at the time of organ transplant are covered
- There is the Ayush Benefit where medical expenses for in-patient treatment taken under Ayurveda, Unani, Siddha and Homeopathy are covered
- 100% of the cost of the pre-insurance health check-up will be reimbursed on the issuance of the policy
- There is a child hospitalization allowance of Rs. 500 per day for 7 days. This allowance is provided for every hospitalization
- When there is a minimum of 10 days hospitalization, an extended hospitalization allowance is provided in the form of a lump sum of Rs. 10,000
- Double Sum Insured benefit is provided if the insured person is diagnosed with 14 specified illnesses and any accident
- There is a free health check up once in every two claim-free years
- Room rent, diagnostic charges and consultation fees are covered
- There is a cumulative bonus of 50% for every claim-free year, that is subject to a maximum of 100% of the base Sum Insured
- There is lifetime renewal on the policy
Eligibility
- Coverage is provided from the age of 18 years to 65 years.
- Up to four children can be covered from three months onwards to 26 years if one parent is covered under this plan
- This plan has coverage of up to for the self, spouse, dependent children, dependent parents or parents-in-law and siblings.
- A pre-policy health check up is required after the age of 45 years.
Chola MS Privilege Healthline Plan
- The Sum Insured amount ranges from Rs 5 lakh to Rs 25 lakh
- The policy provides double the sum insured for Critical Illnesses and Accidents
- Maternity cover is provided up to Rs 1 lakh along with new born baby hospitalization
- Outpatient cover for dental treatment/ spectacles/Hearing aid/Contact lenses up to Rs 10,000 every 2-years
- Specialist opinion for critical illness up to Rs 25,000 .
Chola MS Swasth Parivar health plans
This insurance plan provides comprehensive insurance cover for hospitalization expenses for families on a floating sum basis as well as Personal Accident Cover for family members on an individual sum insured basis. The features of the plan are as follows:
- Benefits received under this plan is for a Sum Insured value of Rs 3 lakh, Rs. 4 lakh, and Rs. 5 lakh. There are two variants of this plan – Pearl and Royale.
- Access to cashless hospitalization facilities across empanelled hospitals all over the country
- Pre and post hospitalization expenses covered for 30 and 60 days respectively
- 141 Daycare procedures are covered that do not require 24 hours hospitalization
- Domiciliary treatment is covered where the treatment is undertaken at home for a maximum of 7 days in a single policy year
- Emergency ambulance charges up to Rs. 2000 are covered per hospitalization
- Treatment expenses for the organ donor at the time of organ transplant are covered
- There is Dual protection under the Royale Plan of this policy where there is hospitalization cover on floater basis and personal accident cover on individual basis
- There is lifetime renewal on the policy
Eligibility
- Coverage is provided from the age of 18 years to 65 years.
- Up to two children can be covered from three months onwards to 26 years if one parent is covered under this plan
- This plan has coverage of up to for the self, spouse and dependent children
- A pre-policy health check-up is required only after the age of 55 years.
Chola MS Tax Plus Healthline Plan
This is a health insurance plan that covers hospitalization expenses as well as non-hospitalization (OPD - Outpatient Department) expenses. The features of the plan are as follows:
- Benefits received under this plan is for a Sum Insured value of Rs 1 lakhs to Rs. 5 lakhs
- Access to cashless hospitalization facility across empanelled hospitals all over the country
- Pre and post hospitalization expenses covered for 60 and 90 days respectively
- 141 Daycare procedures are covered that do not require 24 hours hospitalization
- There is lifetime renewal on the policy
- A percentage of room rent and ICU room rent charges are covered
- Treatment of an illness or injury without hospitalization is covered
- Pre and Post natal expenses are covered
- All dental treatments are covered
- Treatments under allopathy as well as Ayurveda, Unani, Sidha and Homeopathy are covered
- On the advice of a medical practitioner and with a valid prescription, costs of Spectacles, contact lenses, hearing aids, prosthetic appliances, etc., are covered
- There is a cumulative bonus of 5% for every claim-free year, that is subject to a maximum of 50% of the Sum Insured
Eligibility
- Coverage is provided from the age of 18 years to 65 years.
- Up to two children can be covered from three months onwards to 35 years if one parent is covered under this plan. The age limit is 35 years for a female child and 25 years for a male child
- This plan has coverage of up to for the self, spouse and dependent children
- A pre-policy health check-up is required only after the age of 55 years.
Chola MS Family Health Plan
The insured person has the option to choose his or her plan category under this policy, as there are three sub-categories offered, which are Standard, Superior and Advanced. These sub-categories have been divided according to the Sum Insured amount and therefore certain benefits differ as well. The features of the plan are as follows:
- Benefits received under this plan is for a floater Sum Insured value up to Rs. 15 lakh
- 141 Daycare procedures are covered that do not require 24 hours hospitalization
- There is a daily cash allowance provided for the accompaniment of a minor
- Emergency ambulance charges are covered up to Rs. 1000 to Rs. 3000, depending on the type of plan chosen
- Pre and Post natal expenses are covered
- Dental treatments are covered under the Advanced plans
- Treatments under Ayurveda are covered under the Advanced plans
- On the advice of a medical practitioner and with a valid prescription, costs of Spectacles, contact lenses, hearing aids, prosthetic appliances, etc., are covered under the Advanced plans
- Domiciliary expenses are covered under the Superior and Advanced plans
- There is a daily cash allowance if a shared accommodation is chosen
- Maternity expenses are covered under the Superior and Advanced plans
Eligibility
- Coverage is provided from the age of 18 years to 65 years.
- Up to two children can be covered from three months onwards to 25 years if one parent is covered under this plan.
- This plan has coverage of up to for the self, spouse and dependent children
- A pre-policy health check up is required only after the age of 55 years.
Chola MS Critical Healthline Insurance Plan
This is a fixed benefit health insurance policy with flexible sum insured options for listed critical illnesses that are mentioned in the policy. The features of the plan are as follows:
- Lump sum payment for a range of critical illnesses
- Sum insured amount ranges from Rs. 3 lakhs to Rs. 50 lakhs
- There are two sub-categories of plans to choose from which are the Standard and the Advanced Plan. The Standard Plan covers ten critical illnesses, while the Advanced Plan covers 12 critical illnesses plus ambulance charges up to Rs. 1000.
- The critical illnesses covered under the Standard Plan are as follows – cancer of a specified severity, stroke resulting in permanent symptoms, first heart attack of specified severity, open chest CABG, kidney failure requiring regular dialysis, Multiple Sclerosis with persisting symptoms, major organ/bone marrow transplant, permanent paralysis of limbs, surgery of aorta, primary pulmonary arterial hypertension.
- The Advanced Plan covers all the above critical illnesses plus Parkinson’s Disease and Motor Neuron Disease with Permanent Symptoms
- There is lifetime renewability in this plan
Eligibility
- Coverage is provided from the age of 5 to 65 years.
Chola Hospital Daily Cash Allowance
This is a plan that provides for a specified amount every day for which the insured is hospitalized to take care of the family’s financial requirements. The policy is further sub-categorized under six different plans. The features of the plan are as follows:
- Hospital cash benefit for normal hospitalization is provided in which a daily cash amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to sickness.
- Hospital Cash for ICU hospitalization is provided in which twice the daily amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours due to sickness.
- A convalescence benefit is provided in the form of a lump sum amount if the insured person is hospitalized for more than 20 continuous days
- There is lifetime renewal of policy
- Up to 50% of the cost of the pre-policy health check up is reimbursed on issuance of the policy
Eligibility
- Coverage is provided from the age of 18 years to 65 years.
- A child can be covered from three months onwards to twenty six years if one parent is covered under this plan
- This plan has coverage of up to for the self, spouse, dependent children, siblings and dependent parents
Chola MS Individual Healthline Insurance Plan
This is a health insurance plan that meets the health insurance needs of the insured person and his or her loved ones with the benefit of specific sum insured amounts for each person. The features of the plan are as follows:
- The plan is sub-categorized under Standard, Superior and Advanced plans
- Sum insured amount ranges from Rs. 3 lakh to Rs. 10 lakh
- 141 Daycare procedures are covered that do not require 24 hours hospitalization
- Daily cash allowance is provided if a shared occupancy room is chosen
- There is a cumulative bonus of 5% for every claim-free year, that is subject to a maximum of 50% of the Sum Insured
- There is a minor accompaniment allowance under the Superior and Advanced plans
- Every two claim-free years there is a free health check up and eye examination
- Emergency ambulance charges are covered
- Domiciliary expenses are covered under the Superior and Advanced plans
- Maternity expenses are covered under the Superior and Advanced plans
- Ayurvedic treatment is covered under the Advanced plans
- Dental expenses are covered under the Advanced plans
- The cost of spectacles, hearing aids and other such external aids are covered under the Advanced plans
- There is lifetime renewability in this plan
Eligibility
- Coverage is provided from the age of 18 years to 65 years.
- A child can be covered from three months onwards to twenty six years if one parent is covered under this plan
Chola MS Top-up Healthline Insurance Plan
This is a health insurance plan that provides additional coverage for higher medical expenses on a floating sum insured basis or individual sum insured basis. The features of the plan are as follows:
- There are seven plans within this policy with varied sum insured amounts / deductible combinations to suit every person’s requirements
- Pre and post hospitalization expenses covered for 60 and 90 days respectively
- Hospitalization expenses
- Emergency ambulance charges are covered up to Rs. 3000 per hospitalization
- There is lifetime renewability in this plan
Eligibility
- Coverage is provided from the age of 18 years to 65 years.
- A child can be covered from three months onwards to twenty six years if one parent is covered under this plan
- No medical check up till the age of 55 years and above

How to Buy Chola MS Health Insurance Plans?

Applying for Health Insurance Plans from Chola MS

Health insurance plans offered by the company can be applied to through multiple channels like:

Individuals desirous of availing any of the health insurance plans can simply call the Sales helpline of the company and speak to the customer service representative.
They can provide their name, mobile number and email id on the website of the company and request for a call back
Interested individuals can send an SMS to 56677 with the keyword ‘CHOLA HEALTH’.
Interested individuals can log on to the company website, go through the various health insurance policies mentioned and opt to buy any of them online.
Lastly, customers may also visit the company’s branches or get in touch with an agent to buy the plans required.

Cholamandalam Health Insurance Claims

Both cashless and reimbursement claims can be filed for Cholamandalam health insurance plans. The process is explained below:

Cashless Claims

Here the Insurer directly pays network hospital and the process is given below-

Call Chola Help desk at 1800-208-5544 within 48 hours in Emergency & 72 hours prior to Planned Admission
The insurer may ask for:

Policy number
Date and time of hospitalization
Name of the insured
Location and nature of the problem
and your contact details to register a claim

Admission in a network hospital

Approach Hospital’s Insurance desk for Pre-Authorization approval
Show your insurance policy and provide valid photo id proof

Hospital will send the cashless request to Chola and coordinate for authorization

Authorization and discharge

At the time of Discharge, Hospital will share all the necessary documents with Chola for approval
Chola will review the shared documents and give the authorization on the final bill amount as per policy terms and conditions after completion of all formalities

Reimbursement: Pay hospital and then claim for medical expenses from insurer.

Inform Chola MS

For planned hospitalization, call the Help desk on 1800-208-5544 within the stipulated time

Hospital Admission

Get the insured admitted and pay directly to the hospital

On getting discharged, please collect all the documents, medical reports, invoices, and discharge certificate in original from the Hospital

Reimbursement claims

Within 30 days after discharge file for the reimbursement claim with your insurer with:

Duly completed and signed Claim form, in original
Original Discharge summary in the hospital letter head with the seal and sign of the doctor with treatment details
Original Main bill from the hospital with cost wise break up
Original payment receipt and investigation reports
All pharmacy bills should be accompanied with relevant prescriptions
Implant stickers or invoice where ever applicable
In case of Road traffic accident (RTA), copy of FIR and/or Medico legal Certificate (MLC) would be required.
Identity proof and residence of the beneficiary for claims above Rs 1 Lakh
After the claim is approved, the insurer will pay the reimbursement as per policy terms and conditions. Insurer may call for additional documents, if required.

Emergencies

In case of an emergency, contact your insurer to check if the condition is included in the policy. You can also see the policy wordings document for inclusions
A completed pre-authorized form needs to be sent to the insurer within 24 hours of hospitalization.
You can also reach out to our health claim team for assistance

Cholamandalam Health Insurance - FAQs

Q1. How to pay Chola MS health insurance premium? What are the modes of payment available?

Ans: You can pay your insurance premium in THREE ways

Direct Bank Debit (Auto Debit): You can avail the auto debit facility/directly transfer the to the Cholamandalam MS General Insurancebank account. You will get a discount in your premiums, too.

Online Payment: Pay your premium online using your Debit/Credit card on the e-Portal

Mobile Payment: Recently the insurer has launched mobile application to pay car insurance premium.
Q2. How can I check my policy status for Cholamandalam health insurance?

Ans: Existing policyholders can log into the insurer’s website with their valid login details to check the policy status.

New users must create their account first and then can check their policy status. It just takes 5 minutes to register.
Q3. What is the policy renewal process for Cholamandalam health insurance?

Ans: Online or mobile registered users can directly renew their policy on the go. However for others, they must visit any of the nearest branches in the city to fill up the renewal form and attach a cheque of premium amount.

Process for online users

Step 1: Please login with your login ID and password on the e-Portal

Step 2: Choose mode of Payment- Debit/Credit card, Net Banking

Step 3: Complete payment and print the cyber receipt
Q4. What is the company process to settle the claim for Cholamandalam health insuranc?

Ans: Cholamandalam MS General Insurance ensures claims are settled within a specific period of 30 days, provided the claims form is duly filled and the essential documents (medical reports and bills) are attached and deposited in any of the branches in the city.
Q5. What is the policy of cancellation process for Cholamandalam health insurance?

Ans: To cancel the policy you need to walk into any of the nearest branch offices in your city with your policy documents and a duly filled surrender form. The premium refund will be made, upon deducting the applicable charges.