About Cholamandalam Flexi Health Insurance Plan
Cholamandalam Flexi Health insurance provides comprehensive medical coverage to individuals and families during an illness or accidental emergency. It offers coverage for hospitalization, day care procedures, emergency ambulance services, domiciliary hospitalization, etc. The plan also offers coverage for newborn babies, medical second opinions, repatriation of mortal remains and compassionate visits.
Cholamandalam Flexi Health Insurance Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹5 lakh to ₹25 lakh |
| Pre-Policy Medical Check-ups | Required for people above 50 years |
| Pre-existing Diseases Waiting Period | 3 years |
| Discounts | Up to 10% long-term policy discount 15% direct discount |
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Key Benefits of Cholamandalam Flexi Health Insurance Plan
Cholamandalam Flexi Health Insurance Plan Inclusions & Exclusions
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In-patient Hospitalization ExpensesIt covers in-patient treatment expenses incurred on hospitalization of at least 24 hours. It includes boarding expenses, nursing charges, room rent, etc.
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Pre-hospitalization ExpensesIt covers the medical expenses incurred up to 30 days before getting hospitalized.
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Post-hospitalization ExpensesIt covers all medical expenses incurred up to 60 days from the hospital discharge date.
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Day Care ProceduresIt covers the cost of medical procedures and treatment which do not require 24 hours of hospitalization.
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AYUSH CoverIt covers the medical expenses incurred on availing treatment through AYUSH systems of medicines.
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Domiciliary HospitalizationIt covers the medical expenses incurred for the treatment taken at home on the doctor’s recommendation.
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Self-inflicted InjuryIt does not cover treatment for attempted suicide or intentional self-harm.
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Maternity ExpensesIt excludes medical expenses incurred during childbirth and the treatment of the newborn.
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Injuries due to Acts of WarIt does not pay for the treatment of injuries resulting from any act of war, civil war, etc.
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Injuries from Adventure SportsIt excludes treatment for injuries arising from adventure or hazardous sports activities like horse racing, rock climbing, etc.
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Obesity & Weight-control TreatmentsIt does not cover treatment costs for fat loss or weight management unless advised by a doctor.
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Cosmetic Surgery or Plastic SurgeryIt does not pay for plastic surgery expenses or the costs of cosmetic procedures done solely for beautification.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Cholamandalam Flexi Health Insurance Plan: FAQs
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Q1. Are there any sub-limits under the Cholamandalam Flexi Health Insurance plan?
Ans: Yes. Sub-limits apply to room rent and emergency ambulance expenses under the Chola MS Flexi Health Insurance plan. However, no sub-limits on room rent will apply if the sum insured is above Rs 2 lakh. -
Q2. Can I raise a claim for my newborn baby under the Cholamandalam Flexi Health Insurance plan?
Ans: Yes. You can raise a claim for your newborn baby under the Chola MS Flexi Health Insurance policy if the mother has been insured for at least 12 months. -
Q3. Does a Cholamandalam Flexi Health Insurance policy cover medical expenses outside India?
Ans: No. The Chola MS Flexi Health Insurance policy does not cover medical expenses incurred outside India.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Cholamandalam offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Cholamandalam
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Cholamandalam for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Cholamandalam policy
- The network hospital will send the hospital bill to Cholamandalam.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
