How to File a Claim with Cholamandalam Health Insurance?

How to File a Claim with Cholamandalam Health Insurance?

Cholamandalam MS General Insurance is dedicated to ensuring that its policyholders have a hassle-free and seamless experience when filing claims. Recognising the stress and uncertainty that can accompany sudden hospitalisations or planned medical procedures, the company has streamlined its claim process to be as user-friendly and efficient as possible. This guide is designed to provide you with a clear understanding of the claim process, detailing the essential steps and documentation required.

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Ways to File a Cholamandalam Health Insurance Claim

Cholamandalam Health Insurance provides two distinct methods for claim filing, catering to different healthcare scenarios:

1. Cashless Claims:

   This facility is available at hospitals within Cholamandalam's extensive network. It allows policyholders to avail medical treatments without the need for immediate cash payment, providing significant relief, especially during emergency situations. The cashless claim process is streamlined for quick and efficient handling, ensuring that policyholders can focus on their health without worrying about immediate financial burdens.

2. Reimbursement Claims:

   When policyholders opt for treatment at hospitals outside the Cholamandalam network, they can utilize the reimbursement claim process. In this scenario, the policyholders initially pay the medical bills themselves and later file a claim with Cholamandalam for reimbursement. This process offers greater flexibility in choosing healthcare providers and is meticulously structured to facilitate a smooth and straightforward reimbursement of the covered medical expenses.

How to File a Cholamandalam Health Insurance Claim Online with Policybazaar?

Policybazaar offers a straightforward online process for filing a Cholamandalam Health Insurance claim. Policybazaar customers can easily contact their claim support team to initiate an online claim for Cholamandalam Health Insurance. Here are the steps to follow:

Step 1: As soon as hospitalisation is required, reach out to the Policybazaar claim support team. This can be done by calling their helpline at 1800-258-5881 or via email at care@policybazaar.com.

Step 2: Visit Policybazaar.com and sign in. Navigate to the ‘Claims’ section and select the ‘File a New Claim’ option.

Step 3: Under the claim section, choose ‘Health Insurance’ and log in by entering your mobile number and the OTP or password provided.

Step 4: Follow the on-screen instructions carefully and click on ‘File a new claim’ to submit your claim.

Once your claim is filed, Policybazaar will take over the coordination with Cholamandalam MS General Insurance to ensure that your claim is processed smoothly and efficiently.

How to File a Claim with Cholamandalam Health Insurance?

Cholamandalam Health Insurance offers an efficient claims process, accommodating both cashless and reimbursement claims. Here's a comprehensive guide on how to file a claim with Cholamandalam MS General Insurance, outlining the essential steps and documentation for a seamless experience:

1. Cholamandalam Health Insurance Cashless Claim Process:

   Follow these steps for cashless treatments at network hospitals, eliminating the need for upfront payments:

   Contacting hospital’s TPA Desk:

   Upon hospitalisation, visit the TPA desk at the hospital with your Chola MS Health Card, a valid Photo ID, and any of the investigation reports.

   Requesting Pre-Authorisation:

   Fill out and submit the pre-authorisation form available at the hospital’s insurance desk. This initiates the cashless treatment process.

   Approval by Claim Management:

   Once you submit the form, Cholamandalam's claim management team reviews and processes your request. Upon approval, you will receive an authorisation letter confirming your claim.

   Treatment and Possible Reimbursement:

   Proceed with the treatment under the cashless arrangement. If there are any additional costs not covered, you may need to file a separate reimbursement claim later.

2. Cholamandalam Health Insurance Reimbursement Claim Process:

   Here are the steps to claim reimbursement when you've paid for treatments outside the network:

   Intimate the Insurer:

   Inform Cholamandalam MS General Insurance about your hospitalisation as soon as possible, within the specified timeframe.

   Bill Payment and Documentation Collection:

   Settle all medical bills at the hospital and collect all necessary documents, including bills and medical reports, before your discharge.

   Submitting Claim Form and Documents:

   Fill out the Cholamandalam health insurance claim form accurately and submit it along with the required documents, adhering to the policy's terms.

   Claim Review and Settlement:

   After receiving your documents, Cholamandalam's claim team will review your claim. Upon approval, they will issue a confirmation and proceed with the reimbursement process according to the terms of your policy.

Documents Required to File a Cholamandalam Health Insurance Claim

Below is a list of essential documents needed for processing your Cholamandalam Health Insurance reimbursement claim:

• Claim form duly filled and signed
• Prescription from doctor advising the admission
• Discharge card issued by the hospital
• Final hospital bill (in original) and payment receipt
• Medical investigation reports
• Medicine bills with supporting prescriptions
• Invoice/sticker for implants if used in the surgery
• Other bills or documents related to the treatment
• Medico Legal Certificate (MLC) / FIR in case of road traffic accidents (RTA)
• Cancelled Cheque of insured's bank account to make the claim payment via NEFT

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