Cholamandalam Chola Accident Protection Insurance

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Introduction:

The policy offers is available for the Individual as well as family in case of any accident. It allows for weekly compensation due to disability/death and is available on a worldwide basis.

Eligibility:

Minimum age- 18 years, maximum- 69 years.
Dependent children (up to 25 years of age) are eligible under family option

Policy Details:

Policy Benefits:

Accidental Death: If the Insured dies within the policy period, the nominee is compensated with the Insured Sum.
Permanent Total Disability: If such disability is continuous for 12 months, a percentage of sum insured is covered against.
Weekly Compensation: Compensation is provided against loss of income due to a disability.
Broken Bones: Fixed Amount is borne for treatment of fractures/accidental bone damage.
Modification of Residences / Vehicle:Expenses against modification of accommodation or own vehicle are covered in case of permanent total disability.
Family Transportation Benefit: Expenses against transportation of family member in case accidental death / permanent total disability of the insured.
Fee for Private tuition: Tuition fees of the Insured student are borne if he/she is not able to attend school/college due to an accident.
Ambulance charges:Ambulance hiring charges after an accident are covered.
Hospital Cash: Pays a daily allowance as stated in the policy schedule in the event of hospitalization either due to sickness or accidents
Repatriation of remains: Expenses against funeral or repatriation of remains, in case of death of the insured in foreign country are borne.

Exclusions:

Expenses due to suicide/ self-inflicted injury, sexually transmitted diseases, mental/nervous disorder, anxiety or depression.
Injuries due to involvement in war, invasion or terrorist activity involvement.
Participation in winter sports, sky diving, scuba diving or related sport activities.
Being under the influence of drugs or alcohol.
Exposure to radioactive substances or diseases due to intoxication.

Premium Details:

Coverage Table - Self
Sum Insured	5 Lacs	7.5 Lacs	10 Lacs	15 Lacs	20 Lacs	25 Lacs	50 Lacs	75 Lacs	1 Crore
Annual Income Eligibility	50000	75000	1 lac	1.5 Lacs	2 Lacs	2.5Lacs	5 Lacs	7.5 Lacs	1 Crore
Accidental Death	5 Lacs	7.5 Lacs	10 Lacs	15 Lacs	20 Lacs	25 Lacs	50 Lacs	75 Lacs	1 Cr
Permanent total Disability	5 Lacs	7.5 Lacs	10 Lacs	15 Lacs	20 Lacs	25 Lacs	50 Lacs	75 Lacs	1 Cr
Permanent Partial Disability	2.5 Lacs	3.75 Lacs	5 Lacs	7.5 Lacs	10 Lacs	12.5 Lacs	25 Lacs	37.5 Lacs	50 Lacs
Weekly Indemnity	5,00000	5,00000	5,00000	5,00000	5,00000	5,00000	7,50000	7,50000	7,50000
Broken Bone	50,000	50,000	50,000	50,000	50,000	50,000	1 Lacs	1 Lacs	1 Lacs
Modification of Residence Vehicle	1 Lacs	1 Lacs	1 Lacs	1 Lacs	1 Lacs	1 Lacs	2 Lacs	2 Lacs	2 Lacs
Cost Of Transporting Mortal Remains	6000	6000	6000	6000	6000	6000	6000	6000	6000
Cost of Performance of Death Ceremonies	5000	5000	5000	5000	5000	5000	5000	5000	5000
Ambulance Hiring Charges	1000	1000	1000	1000	1000	1000	1000	1000	1000
Family Transportation Benefit	5000	5000	5000	10,000	10,000	10,000	15,000	15,000	15,000
Hospital Daily Cash (Up to 30 days) - Optional Cover	500/day	500/day	500/day	500/day	500/day	500/day	500/day	500/day	500/day
Premium Including Service Tax 14% (With Hospital Daily Cash)	1501	1758	2017	2534	3051	3569	6620	9207	11793
Premium Including Service Tax 14% (Without Hospital Daily Cash)	1035	1293	1552	2069	2588	3104	5999	8587	11224

Coverage Table - Family (Self + Spouse + Upto 2 Children)
Sum Insured	5 Lacs	7.5 Lacs	10 Lacs	15 Lacs	20 Lacs	25 Lacs	50 Lacs	75 Lacs	1 Crore
Accident Death - Spouse	2.5 Lacs	3.75 Lacs	5 Lacs	7.5 Lacs	10 Lacs	10 Lacs	10 Lacs	10 Lacs	10 Lacs
Permanent Total Disability - Spouse	2.5 Lacs	3.75 Lacs	5 Lacs	7.5 Lacs	10 Lacs	10 Lacs	10 Lacs	10 Lacs	10 Lacs
Permanent Partial Disability - Spouse	1.25 Lacs	1.87 Lacs	2.5 Lacs	3.75 Lacs	5 Lacs	5 Lacs	5 Lacs	5 Lacs	5 Lacs
Accident Death - Per child	50000	75000	1 Lac	1.5 Lac	2 Lac	2.5 Lacs	2.5 Lac	5 Lac	5 Lac
Permanent Total Disability - Per child	50000	75000	1 Lac	1.5 Lac	2 Lac	2.5 Lacs	2.5 Lac	5 Lac	5 Lac
Permanent Partial Disability - Per Child	25000	37500	50000	75000	1 Lacs	1.25 Lacs	1.25 Lac	2.5 Lac	2.5 Lac
Tuition Fees Per child -Rs 250 Per day	5000	5000	5000	5000	5000	5000	5000	5000	5000
Coverage Under cost of Transporting Mortal Remains, Cost of performance of death ceremonies &ambulance hiring charges are same as under self
Hospital Daily Cash (Up to 30 days) - Optional Cover	500/day	500/day	500/day	500/day	500/day	500/day	1,000/day	1,000/day	1,000/day
Premium Including Service Tax 14% (With Hospital Daily Cash)	2327	2793	3207	4086	4965	5535	9207	11794	14432
Premium Including Service Tax 14% (Without Hospital Daily Cash)	1552	2017	2432	3310	4189	4758	8173	10759	13397

*The above rates may vary. Please check the policy wordings for more details.

Written By: PolicyBazaar - Updated: 06 September 2016

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Average Rating

4.1 / 5

(Based on 24 Reviews)

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Cholamandalam Chola Accident Protection Insurance Reviews & Ratings

4.1 / 5 (Based on 24 Reviews)

(Showing Newest 15 reviews)

Pariniti

Maharajganj, August 02, 2016

★★★★★

Quality Product

Personal accident insurance plan of mine is great and coverage is high. Good work cholamandalam insurance company. The service is fast and premiums are less. The ambulance is facilitate for free at any location at any time.

Ratiket

Bairia, July 21, 2016

★★★★★

Good Insurance

Nowadays, Accident is a common issue. Precaution is better than cure that's why i took my alders advice and buy personal accident plan. Now the problem is there are vast range of insurers, I choose cholamandalam insurance which provide low premiums and good paybacks. Great policy which has large number of hospitals to provide on time customer service and treatment.

Nitesh

Khalapur, July 05, 2016

★★★★★

Personal Accident Policy

Policy i have is very nice and beneficial insurance plan i.e., personal accident insurance. Policy coverage is high and premium is low. Service is quick and ambulance service is provided at any location for free. Claims sanctioned easily.

Gaurav

Bharatpur, June 24, 2016

★★★★★

Nice Policy

The personal accident insurance plan is very much important in this time. I have one which has low premiums. The service is perfect and ambulance is provided for free of cost. Policy coverage is good and the accidental death benefits is inbuilt in the policy. Claiming is easy due to fast service and hassle free documentation. Good plan.

Lalit

Pune, June 03, 2016

★★★★★

Wonderful Policy

I have personal accident policy plan with cholamandalam ms general insurance. The number of facilities are provided like ambulance is free of cost and the premium is low. The policy coverage and claims are high. Large number of hospitals are providing service 24X7.

Kunal

Delhi, June 03, 2016

★★★★★

Perfect Policy

My cholamandalam personal accident policy plan is good. The policy coverage is high and the claims are also nice. The policy provides some good benefits like good future investment and save tax. The service provided by the executives and staff members is great. I like it.

Jiten

Ambala, June 03, 2016

★★★★★

Fine Policy

I good personal accident policy plan which buy from cholamandalam ms general insurance. The policy coverage is good approx. 89% and the claims are high which can easily sanctioned. The services are good and fast which provided by the executives and staff members. The plan is good for future security and it saves tax also. Updates are send to me regularly.

Harish

Pondicherry, June 03, 2016

★★★★★

Trustworthy

Buy cholamandalam personal accident plan which has many benefits like ambulance is not charge for ride and the number of hospitals is big so the service issues are not occur. Policy coverage is good ~90% and the claims are high. Claiming process is easy due to executives and staff members, they provide good and fast service.

Gaurav

Nilgiris, June 03, 2016

★★★★★

Power Plan

I bought cholamandalam personal accident plan. The policy coverage is good and the policy premium is low. The claims are high which is easily sanctioned because of the fast service provided by the company staff. Great future investment which saves taxes. I like the policy.

Fara

Zahirabad, June 03, 2016

★★★★★

Fantastic

Recently I purchase personal accident plan from cholamandalam ms general insurance. The policy is nice with its huge benefits like, worldwide comprehensive security coverage plans for individual and family members in case of an unfortunate event or a sudden accident. Simple and hassle free plan documentation. Online enrollment available for instant plan coverage and transparent terms and conditions.

Devesh

Barielly, June 03, 2016

★★★★★

Awesome Policy

I purchase cholamandalam personal accident plan. The policy is fantastic which facilitate the best returns in low premiums. The policy coverage is high ~87% and the claims are good. The claiming procedure is easy because the service provided by the executives and staff members of the company is awesome.

Sandeepa

Dwarakanagar, June 03, 2016

★★★★★

Good Policy Coverage

Last year I got an accident thank good I had a personal accident plan which covers the whole case and bill. Ambulance is provided from the accident spot to the hospital and then home. Really great service with good claims. Thanks, Cholamandalam ms general insurance.

Akanksha

Jaipur, June 03, 2016

★★★★★

High Returns

I have personal accident plan from cholamandalam ms general insurance. The policy coverage is 87% and the claims are good. The service is very fast and always on time. The ambulance is facilitate for free for both sides. Regular updates are mailed to me regarding policy.

Qasam

Mumbai, June 03, 2016

★★★★★

Fantastic Policy

My personal accident insurance policy plan is with cholamandalam ms general insurance. The policy coverage and claims are high with low premiums. The ambulance is facilitate for free of cost. Number of hospitals are collaborate for fast and better services. Daily update are mailed to me time to time. Service provided by executives is fast and on time.

Writu

Noida, June 03, 2016

★★★★★

Great Deal

I bought cholamandalam personal accident insurance plan. The policy coverage is high and the premium is low. Service is fast which facilitate by the executives. Good plan which secure the future queries. The ambulance is facilitate by the hospital and no extra charges for that. Huge number of hospitals are working 24X7.

Ekta

Faridabad, June 03, 2016

★★★★★

Manageable Policy

The cholamandalam personal accident plan is nice with good benefits. The policy coverage is high and the premium is low. The ambulance is facilitate for free and the number of hospitals are working for fast service. The behaviour of executives and staff members is nice. Good investment.

Ruhi

Mohali, June 03, 2016

★★★★★

Normal Policy

I purchase cholamandalam personal accident insurance plan. The policy coverage is high and the claims are even better. Claiming is fast due to fast service facilitate by the executives and the staff members. The ambulance is also included and without of cost. The web service is bit clumsy but manageable.

Tanu

Kolkata, June 03, 2016

★★★★★

Responsive Faculty

By long searching on internet, finally got the personal accident insurance plan which i buy from cholamandalam ms general insurance. The policy coverage is high ~89% and the premium is low as compare to paybacks. Claims are good and easily sanctioned becasue of fast service given by executives. The updates regarding policy is mailed regularly to me.

Yanvi

Darjeeling, June 03, 2016

★★★★★

Good Service

The cholamandalam personal accident insurance plan is really very good policy. The policy coverage is high ~87% and the premiums is low. The claims are the best and the claiming process is very easy due to executives and staff members facilitate good services. Even the ambulance is facilitate for free for pick and drop.

Umeed

Amritsar, June 03, 2016

★★★★★

Very Good

The policy i have is the best one among all. Cholamandalam personal accident plan I have which has low premiums. The policy coverage is high and the claims are even better. Fast services are provided by the executives and staff members. Good future investment.

Ikesh

Chandigarh, June 03, 2016

★★★★★

Nice

The benefits of the plan is good and service is awesome. Policy coverage is high and the policy premiums are low. Claiming procedure is very easy due to fast service provided by the executives. Great plan no doubt, thanks for cholamandalam personal accident plan. I really like my policy.

Ojhal

Bangalore, June 03, 2016

★★★★★

Average Policy

I found personal accident plan by long searching on web and took it from cholamandalam ms general insurance. The policy coverage is high ~90% and the policy claims are even better. The claims are easily sanctioned because the executives and staff members are ready to help each and every time with calm behaviour. Good investment, I like the policy.

Pooja

Ahmednagar, June 03, 2016

★★★★★

Good Plan

I found personal accident policy plan which i buy from cholamandalam ms general insurance. The policy coverage is good 89% and the claims are high which can easily be sanctioned due to fast services provided by the executives and the staff members. The premium is low.

Yogesh

Patna, May 12, 2016

★★★★★

"Awesome"

Recently i buy cholamandalam personal accident plan. The policy is nice with its huge benefits like, worldwide comprehensive security coverage plans for individual and family members in case of an unfortunate event or a sudden accident. Simple and hassle free plan documentation. Online enrollment available for instant plan coverage and transparent terms and conditions. Good services, I like it.

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