Cholamandalam Health Insurance

• Benefits received under this plan is for a Sum Insured value of Rs 2 lakhs
• Access to cashless hospitalization facility across empanelled hospitals all over the country
• 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, Sidha and Homeopathy are covered
• 50% of the cost of the pre-insurance health check up will be reimbursed on the issuance of the policy
• Customer can opt for co-payment where he or she can opt for voluntary deductibles that are mentioned in the policy. This will reduce the premium amount that will have to be paid. Therefore, some amount will be paid by the insured for any treatment taken and the rest is paid by the company. 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
• The policy may be availed for one, two or three years at a go. There is a discount of 6% on the second year policy and a discount of 12% on a third year policy
• There is an exclusive 5% to 50% discounts at pharmacies, labs, hospitals, fitness centers, etc., all over the country

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.

• Benefits received under this plan is for a Sum Insured value of Rs 3 lakhs, Rs. 5 lakhs and Rs. 7.5 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
• 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, Sidha 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
• The policy may be availed for one, two or three years at a go. There is a discount of 6% on the second year policy and a discount of 12% on a third year policy
• There is exclusive 5% to 50% discounts at pharmacies, labs, hospitals, fitness centers, etc., all over the country

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.

• Benefits received under this plan is for a Sum Insured value of Rs 3 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs and Rs. 10 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
• 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, Sidha 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
• The policy may be availed for one, two or three years at a go. There is a discount of 6% on the second year policy and a discount of 12% on a third year policy
• There is exclusive 5% to 50% discounts at pharmacies, labs, hospitals, fitness centers, etc., all over the country

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.

• Benefits received under this plan is for a Sum Insured value of Rs 3 lakhs, Rs. 4 lakhs, and Rs. 5 lakhs. There are two variants of this plan – Pearl and Royale.
• Access to cashless hospitalization facility 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.

• 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.

This is a health insurance plan that is suited for young families. It covers hospitalization expenses as well as other medical expenses such as ayurvedic treatments, maternity, dental and eye care. The plan covers the insured person plus his or her spouse and children with a floater sum insured that allows any family member to make a claim up to the full sum assured. 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 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
• After two continuous claim-free years there is a free health check up
• 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 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
• 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
• 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. 

• 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. 

• 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
• There is a family discount of 5% if two family members are covered and a discount of 10% if more than two members are covered

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

• The plan is sub-categorised under Standard, Superior and Advanced plans
• Sum insured amount ranges from Rs. 3 lakhs to Rs. 10 lakhs
• Pre and post hospitalization expenses covered for 60 and 90 days respectively
• 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

• 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

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.