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.

Read More

Get insured from the comfort of your home No medicals required

Tell us about you

Cholamandalam MS Arogya Sanjeevani Policy

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

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you take any daily medication? Apart from vitamins & supplements
    Get updates on WhatsApp

    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:

    Criteria

    Specifications

    Sum Insured

    Rs I lakh to Rs 5 lakhs

    Entry Age

    18-65 years

    Dependent Children

    3 months-25 years

    Co-payment

    5%

    Coverage Type

    Individual/Family Floater

    Cumulative Bonus

    5%-50%

    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 care@policybazaar.com or speak to us at 1800-708-8787.

    FAQs

    Latest Health Insurance Articles

    Does Health Insurance Cover Zika virus Treatment?

    Does Health Insurance Cover Zika virus Treatment?

    Does Health Insurance Cover Zika virus Treatment? The past five years have witnessed the outbreak of various dreadful diseases such as SARS, MERS, Ebola, Zika, and Nipah virus. Now in 2021, cases of Zika virus outbreak have been report...
    Updated: 23rd July 2021
    What Are GPA and GMC Insurance Policy?

    What Are GPA and GMC Insurance Policy?

    What Are GPA and GMC Insurance Policy? Businesses and corporate houses thrive to provide a significant level of satisfaction to their employees. It directly impacts the way their business expands, competes in the market, and expands. The organiz...
    Updated: 15th July 2021
    Insurance vs Assurance: Know the Difference

    Insurance vs Assurance: Know the Difference

    Insurance vs Assurance: Know the Difference The terms insurance and assurance are the most common words used in the insurance industry. Both the terms are used when the insurance company provides financial aid after raising the claim. This ...
    Updated: 8th July 2021
    AYUSH Health Insurance Benefits

    AYUSH Health Insurance Benefits

    AYUSH Health Insurance Benefits AYUSH is an abbreviation used for Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy. It is an alternative treatment system offered by the healthcare industry. The drugs and medicines used under these t...
    Updated: 13th July 2021
    Cooling off Period in Health Insurance

    Cooling off Period in Health Insurance

    Cooling off Period in Health Insurance The Cooling-off period is the duration during which a Covid-19 affected person cannot buy health insurance coverage. This ‘cool off’ period can range from a few days to a couple of months. During this ...
    Updated: 29th June 2021
     
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL