Cholamandalam Chola Accident Protection Insurance

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      Cholamandalam Chola Accident Protection Insurance

      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.

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      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.

      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*
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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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *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:- http://bit.ly/3J20bXZ

      ##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.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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