Cholamandalam Health Insurance

Cholamandalam Health Insurance provides financial assistance to individuals and families against medical expenses incurred on the treatment of diseases, such as cancer and COVID-19. Health plans by Cholamandalam MS General Insurance Company offer coverage for hospitalization, AYUSH treatments, day care procedures, ambulance charges, and organ donor expenses amongst others. Moreover, customized plans for vector-borne diseases and critical illnesses are also available.

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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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    Cholamandalam Health Insurance Overview

    Cholamandalam MS General Insurance Company is a joint venture between India-based Murugappa Group and Japan-based Mitsui Sumitomo Insurance Company. It offers a variety of insurance products to its customers, including health insurance, and has about 156 branches across the country. Cholamandalam MS General Insurance Company aims to bring excellent health care services within the reach of the common man. Moreover, the company enjoys a claim settlement ratio of 95% (2018-19).

    Cholamandalam Health Insurance at a Glance:

    Key Features Highlights
    Network Hospitals 10000+
    Incurred Claim Ratio (2020-21) 77.35%
    Renewability Lifelong
    Waiting Period 4years
    Cholamandalam Health Insurance Plans
    For Family
    • Min. Age 3 Months
    • Max. Age 75 Years
    • Min. Coverage Rs 50,000
    • Max. Coverage Rs 5 crore
    • Check premium
    Plan nameChola Healthline Insurance Plan
    For individual
    • Min. Age90 days
    • Max. Age65 Years
    • Min. Coverage Rs 2 lakh
    • Max. Coverage Rs 10 lakh
    • Check premium
    For critical illness
    • Min. Age5 Years
    • Max. Age 65 Years
    • Min. CoverageRs 3 lakh
    • Max. CoverageRs 10 lakh
    • Check premium
    For hospital cash
    • Min. Age3 Months
    • Max. Age 65 years
    • Min. Coverage Rs 1000 per day
    • Max. Coverage Rs 3000 per day
    • Check premium
    For top-up
    • Min. Age3 Months
    • Max. Age 70 years
    • Min. Coverage Rs 3 lakh
    • Max. Coverage Rs 25 lakh
    • Check premium

    Key Features of Cholamandalam Health Insurance Plans

    Given below are the key features of Cholamandalam Health Insurance plans:

    • New Born Baby Cover from Day 1 – The plan covers a newborn baby from day 1 if the mother has been covered under the policy continuously for 12 months.
    • Restoration of Sum Insured - 100% restoration of the sum insured is provided for unrelated claims in case the sum insured and the cumulative bonus have exhausted or is insufficient.
    • Additional Sum Insured for Road Traffic Accidents- The policyholder is entitled to an additional sum insured amount up to a maximum of Rs 3 lakh once during the policy period in case of road traffic accident claims.
    • Free Health Check-up – The policy offers free health check-up facilities to the insured at the end of a fixed block of claim-free years.
    • Cashless Hospitalization – Cholamandalam Health insurance plans allow people to avail cashless claims at more than 10,000 network hospitals across the country.
    • 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.

    List of Cholamandalam Health Insurance Plans

    The Cholamandalam MS General Insurance Company offers a variety of health insurance plans to customers. Let us take a look at each of the plans in detail:

    • Chola Healthline Insurance Plan

      Cholamandalam Healthline is a comprehensive health insurance plan that covers the medical expenses of individuals and families by offering financial assistance. It is available for 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 required up to the age of 45 years
      • Coverage for in-patient hospitalization, ambulance service available and pre and post-hospitalization expenses available
      • Day care procedures, domiciliary treatments and AYUSH treatments are covered
      • Treatment expenses for the organ donor at the time of organ transplant are covered
      • Maternity and newborn baby expenses are also covered
      • Double the sum insured amount is available for 14 critical illnesses
      • Free health check-ups are available after a block of claim-free years
      • A 5% cumulative bonus is granted for every claim-free year.

      Eligibility:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 90 days
      Siblings – 5 years
      Maximum Entry Age Adult – 65 years
      Child – 26 years
      Coverage Type Individual/ Floater
    • Chola MS Critical Healthline Insurance Plan

      Cholamandalam Critical Healthline Insurance is a fixed benefit health insurance policy that offers coverage for 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 12 critical illnesses.
      • While the Standard plan covers 10 critical illnesses, the Advanced plan covers 12 critical illnesses along with ambulance charges.
      • It offers coverage for 12 critical illnesses, including cancer, stroke, first heart attack, kidney failure, etc. Parkinson’s Disease and Motor Neuron Disease are covered under the Advanced plan only.
      • No pre-medical check-up is required for up to 55 years.

      Eligibility:

      Parameters Eligibility Criteria
      Minimum Entry Age 5 years
      Maximum Entry Age 65 years
      Coverage Type Individual
    • Chola Hospital Cash Healthline Plan

      The Cholamandalam Hospital Cash Healthline plan provides coverage for miscellaneous expenses incurred while the insured is hospitalized. It pays a fixed amount ranging from Rs 1000 per day to Rs 3000 per day for every 24 hours of hospitalization. The policy is sub-categorized into six different plans.

      Features and Benefits:

      • A hospital cash benefit is paid for each day of hospitalization if the insured is admitted due to sickness.
      • It pays twice the daily hospital cash amount for every 24 hours spent in the hospital ICU.
      • A convalescence benefit is provided in the form of a lump sum amount if the insured is hospitalized for more than 20 continuous days.
      • No pre-policy health check-up is required for up to 55 years
      • Up to 10% family discount is granted if 2 or more than 2 family members are added to the same policy

      Eligibility:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 3 months
      Siblings – 5 years
      Maximum Entry Age Adult – 65 years
      Child – 26 years (36 years for unmarried daughters)
      Coverage Type Individual

    How to Buy Cholamandalam Health Insurance Plans?

    Take a look at the steps to buy a Cholamandalam Health Insurance plan online:

    • Visit the official website of ‘Policybazaar Insurance Brokers Private Limited’
    • Go to the ‘Insurance Products’ tab on the menu bar and click on ‘Health Insurance’
    • Scroll down and click on ‘Cholamandalam Health Insurance on the left-hand side of the page
    • Enter the requested details in the available form and click on ‘View Plans’
    • Choose the family members to be insured and the age of the eldest member
    • Enter your city and details of any medical history
    • Select the Cholamandalam health insurance policy and pay the premium
    • The Cholamandalam MS General Insurance Company will issue the policy.

    How to File Cholamandalam Health Insurance Claims?

    Both cashless and reimbursement claims can be filed for Cholamandalam health insurance plans. Take a look at the process below:

    Cashless Claims Process:

    • Inform the Cholamandalam MS General Insurance Company about your emergency hospitalization. In case of planned hospitalization, inform the insurer before hospital admission.
    • Approach the hospital’s insurance desk and inform them about your Cholamandalam health insurance policy. You may be asked to show your insurance policy copy and provide a valid photo id proof.
    • The hospital will send the pre-authorization form to the insurance company within 24 hours for authorization.
    • The insurer will check the documents and grant pre-authorization within 2 hours if the claim is approved. They may also ask for more documents before approval.
    • At the time of discharge, the hospital will share all the necessary documents with the insurance company for final approval.
    • Cholamandalam MS General Insurance Company will review the shared documents, give final approval and pay the final bill amount within 2 hours.

    Reimbursement Claims Process:

    • Inform the insurance company about the emergency or planned hospitalization at a non-network hospital within the stipulated time.
    • Get treated at the hospital and pay all the bills at the time of hospital discharge
    • Make sure to collect all the documents, medical reports, invoices, and discharge certificate in original from the hospital during discharge.
    • Scan and upload the self-attested claim documents to the insurer’s website within 30 days of getting discharged
    • The Cholamandalam MS General Insurance Company will check the documents and approve the claim within 7 working days.
    • The claim amount will be paid to the policyholder through NEFT.

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

    Documents Required for Cholamandalam Health Insurance Reimbursement Claims

    The following documents should be submitted for the reimbursement claim to Cholamandalam MS General Insurance Company:

    • Duly completed and signed claim form in original
    • Original discharge summary on the hospital letterhead with the seal and sign of the doctor with treatment details
    • Original main bill from the hospital with a cost-wise breakup
    • Original payment receipt and investigation reports
    • All pharmacy bills accompanied by relevant prescriptions
    • Implant stickers or invoices wherever applicable
    • In case of a Road traffic accident (RTA), a 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

    Cholamandalam Health Insurance - FAQs

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

      • Direct Bank Debit (Auto Debit): You can avail the auto debit facility and directly transfer the premium to the Cholamandalam MS General Insurance Company’s bank account. You may get a discount on your premiums too.
      • Online Payment: You can pay your premium online using your debit/credit card or net banking on the e-Portal.
      • Mobile Payment: You can also pay your health insurance premium on the mobile application of the insurance company.
    • 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 status of their Cholamandalam health policy status. New users need to first create their accounts to check their policy status.

    • Q3. What is the policy renewal process for Cholamandalam health insurance?

      Ans: Online or mobile registered users can directly renew their Cholamandalam health policy on the go. However, others must visit any of the nearest insurer branches in the city to fill up the renewal form and pay the premium amount. The renewal process for online users is as follows:

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

      Step 2: Choose mode of payment- Debit/Credit card or Net Banking

      Step 3: Complete payment and print the receipt

    • Q4. What is the company process to settle the claim for Cholamandalam health insurance?

      Ans: Cholamandalam MS General Insurance ensures claims are settled within a specific period of 7 working days, provided the claims form is duly filled and the essential documents (medical reports and bills) have been submitted.

    • Q5. What is the policy cancellation process for Cholamandalam health insurance?

      Ans: To cancel your Cholamandalam health policy, you need to 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, upon deducting the applicable charges.

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    Cholamandalam Health Insurance Reviews & Ratings

    4.1 / 5 (Based on 34 Reviews)
    (Showing Newest 10 reviews)
    Manas
    Udagamandalam, March 22, 2021
    Satisfied with Claim Process
    I have to make a cashless claim from my Chola MS Plan purchased through policybazaat.com as I bought this plan through them only. So I called them and they made the reimbursement process simple and easy.
    Kavin
    J.n.prasad, March 22, 2021
    Covers 12 Critical Illnesses
    I bought Chola MS Critical Illness Healthline insurance policy as my family has a history of critical illnesses. This plan covers 12 critical illnesses and the sum insured if this policy ranges from Rs. Three lakhs to Rs. 50 lakhs.
    Farhan
    Calicut, March 22, 2021
    A Name To Trust
    Initially I was not very sure about the suggestions of policybazaar.com but when my sister recommended me this site for health insurance policy purchase, I took its help. I provided my details on their website and got relevant suggestions. I chose Chola MS Individual Helpline policy and satisfied with my decision.
    Ajay
    Chandigarh, March 19, 2021
    Helpful Support Team
    I wanted to renew my Chola MS Family Health Plan online due to lockdown. But I was new in the online purchase process so was a bit nervous. So, I called policybazaar.com as I bought this policy through them only. The support executive there was very helpful and he was there with me online throughout the renewal process and made my online policy purchase experience good.
    Roshan
    K.c. Pur, March 19, 2021
    Nice Individual Health Plan
    Chola MS Individual Healthline Insurance policy is a nice health insurance plan for individuals as it meets the requirements of an individual. I bought it from poloicybazaar.com and happy with my online purchase experience also.
    Dinesh
    East Godavari, March 15, 2021
    Good Policy
    The critical illness cover provided by Chola MS is affordable and good. I selected it as per the recommendation of policybazaar.com and am satisfied with it.
    Harish
    Habra, March 15, 2021
    A Good Health Plan
    I was searching for a family floater health insurance and after landing at policybazzar.com my problem got resolved. They provided many options as per my requirements but Chola MS Family Health Plan was among the top options. I selected this and very satisfied as it provides wide coverage for my entire family even including maternity coverage. Thanks, policybazaar.com.
    Rajesh
    Wadhwan, March 15, 2021
    Options for Sum Insured
    I purchased the Swasth Parivar plan offered by Chola MS because it provides many options even for sum insured and resultantly for premiums. The sum insured options provided by this plan are – Rs. 3lakh, Rs. 4lakh, and Rs. 5lakh. I selected Rs. 3lakh option and satisfied with the coverage and premium.
    Pooja
    East Godavari, March 01, 2021
    Comprehensive Coverage at Affordable Premium
    I bought Chola MS Swasth Parivar health insurance policy as per the recommendation of policybazaar.com and I am very happy with my decision of selecting this plan. The reason for the same is the comprehensive coverage of this plan at an affordable price. This plan provides coverage like expenses of hospitalization on a floating sum basis. It also provides personal accident cover for family members.
    Anirudh
    Ichoda, March 01, 2021
    Easy Payment Mode
    I have purchased Cholamandalam Health Insurance policy online through policybazaar.com. Even though I was very nervous while online payment but I want to say that the payment through policybazaar.com was so easy and smooth that even being a novice in online payment I could do it all by myself.
     
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