Cholamandalam MS Arogya Sanjeevani Policy

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      Cholamandalam MS Arogya Sanjeevani Policy

      Arogya Sanjeevani Health Insurance policy offered by Cholamandalam MS General Insurance Company is a standard health insurance policy proposed by IRDAI. This is one of the well-designed health insurance plans that financially assist one in case of a medical emergency. It is available for both family floater and individual basis. Any individual who falls in the age group of 18 years to 65 years can buy this policy for self and family. Under family floater, one can add his/her spouse, self, dependent children, parents-in-law, and parents.

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      Cholamandalam MS Arogya Sanjeevani Policy Eligibility Criteria

      In Cholamandalam MS Arogya Sanjeevani Policy, one can add his/her family members on either floater basis or individual sum insured basis. Some of the details related to this policy are mentioned below:



      Sum Insured

      Rs I lakh to Rs 5 lakhs

      Entry Age

      18-65 years

      Dependent Children

      3 months-25 years



      Coverage Type

      Individual/Family Floater

      Cumulative Bonus


      Key Features of Cholamandalam MS Arogya Sanjeevani Policy

      Cholamandalam Arogya Sanjeevani policy offers the following features and benefits to the insured:

      Cover Entire Family: The family floater option of this policy covers the entire family including the parents-in-law.

      No Need for Health Check-Up: Before 50 years of age, there is no need to undergo any kind of pre-policy health check-up.

      No Sub-Limits: There is no limit on AYUSH treatment.

      Provides Family Discount: The policy provides a discount of 5% for three to five members of the policy, whereas for six to seven members a discount of 7% is given. If more than seven family members are included, a 10% discount is given.

      Cashless Facility: The policy provides cashless facilities in more than 8200 hospitals.

      Tax-Benefits- Tax benefits under the Section 80D are provided on the premium paid

      Inclusions of Cholamandalam MS Arogya Sanjeevani Policy

      The inclusions of Chola MS Arogya Sanjeevani policy are as follows:

      Hospitalization Cover- The doctor fees, treatment charges, medicines costs are covered under hospitalization cover.

      Hospital Room Rent- The policy covers boarding charges, room rent, and nursing charges. The limit for these under this policy is a maximum of Rs.5000 or 2% of the sum insured.

      Covers the Expenses of Cataract Surgery - The limit for the same is 25% of the sum insured or Rs.40, 000, whichever is lower.

      Covers ICU/ICCU Expense - The coverage limit is 5% of the sum insured or Rs.10, 000 per day.

      Covers AYUSH Expense – Provides coverage without sub-limits of in-patient hospitalization.

      Provides Facility of Co-Payment – 5% for each admissible claim.

      Exclusions of Cholamandalam MS Arogya Sanjeevani Policy

      Cholamandalam MS Arogya Sanjeevani policy does not cover the following expenses:

      • Any medical condition for which the treatment has been received within 48 months from the policy inception date
      • Plastic or cosmetic surgeries
      • Change in gender treatments
      • Hospitalization required for evaluation and medical investigation purpose
      • Any illness contracted in the initial 30 days from the policy commencement
      • Rest cure, rehabilitation, and respite care related to the expenses of hospitalization
      • Treatments of obesity
      • Medical expenses related to hazardous activities and adventure sports

      How to file Health Insurance Claim for Cholamandalam Arogya Sanjeevani Policy?

      In case of emergency hospitalization, one needs to intimate the insurance company within 48 hours of hospitalization. While for planned hospitalization one needs to inform the insurance company at least before 72 hours of hospitalization. The process of claim reimbursement and cashless hospitalization is mentioned below:

      Reimbursement Claims:

      In case the insured pays the expenses of his/her hospitalization by him/herself, he/ should file a reimbursement claim with Cholamandalam MS within the time range specified in the insurance policy. The company reimburses the claim according to the policy terms.

      Cashless Claims:

      • Those who have availed the treatment in a network hospital of Chola MS can file a cashless claim
      • Initially, he/she has to fill the Cholamandalam MS cashless claim form, which is available at the TPA desk at the network hospital
      • This claim form is then shared with the Insurance Company/TPA to get the authorization. As soon as it is verified, a pre-authorization letter is sent to the network hospital by the TPA.
      • One now has to sign and cross-check his/her hospital discharge papers
      • Now he/she has to submit all the required documents such as ID proof, medical bills, diagnostic reports, NEFT details as needed.
      • If his/her cashless claim is denied due to some reason, then he/she can file for reimbursement of his/her hospital expenses.

      To know more about Cholamandalam Arogya Sanjeevani policy one can write to us at or speak to us at 1800-708-8787.


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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:-

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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