Cholamandalam MS Arogya Sanjeevani Policy

(34 Reviews)
Insurer Highlights

*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
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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

      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.


      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Reasons to Purchase High-Value Health Insurance Cover

      21 Feb 2024

      When you decide to purchase a health insurance plan for you and
      Read more
      Surgeries Covered by New India Assurance Health Insurance Plans

      22 Feb 2024

      In an era where healthcare expenses are skyrocketing in India, the
      Read more
      Is a 10 Lakh Health Insurance Adequate in Your City?

      10 Jan 2024

      An ongoing medical inflation of 14 percent in India (the highest
      Read more
      Dental Treatment Coverage from Star Health Insurance

      21 Dec 2023

      The rising costs of healthcare services have made it necessary for
      Read more
      11 Reasons Why Senior Citizens Should Buy Aditya Birla Activ One Plan

      05 Dec 2023

      Health insurance is one of the biggest assets that senior citizens
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.