Cholamandalam Health Insurance for Senior Citizens

Cholamandalam Health Insurance for senior citizens provides financial protection to elderly people above 60 years against unforeseen medical expenses. The Chola MS General Insurance Company Limited offers Flexi Health Supreme plan to senior citizens, which is available in three variants – Basic, Plus and Premiere.

Key Benefits of Cholamandalam Health Insurance for Senior Citizens

Given below are the key benefits of Cholamandalam Health Insurance for senior citizens:

Sum insured options ranging from Rs 3 lakh to Rs 5 crore
Coverage available on an individual and floater basis
Cashless treatment at more than 10000 network hospitals
Free preventive health check-ups available after every two years depending on the plan type and claim status
Unlimited restoration of the sum insured
Coverage for hospitalization expenses across the globe
Additional sum insured available for claims due to a road traffic accident
Up to 50% increase in the sum insured for a maximum of 100% for every claim-free year
Access to Wellness Advantage services, such as health assessment, medicine delivery, discounted health check-ups, digital health coaching, etc.
Tax exemptions under the sec 80D of the Income Tax Act, 1961
Up to 10% family size discount on adding more than 5 family members to the policy on an individual sum insured basis
Up to 10% healthy week discount on renewal premium

Cholamandalam Health Insurance Plans for Senior Citizens

Check out the various Cholamandalam Health Insurance plans for senior citizens in the table below:

Cholamandalam Health Insurance Plans for Senior Citizens	Sum Insured (Rs)	Co-Payment
Chola Flexi Health Supreme Basic Plan	3 lakh to 25 lakh	Not Available	View Plan
Chola Flexi Health Supreme Plus Plan	5 lakh to 25 lakh	Not Available	View Plan
Chola Flexi Health Supreme Premiere Plan	30 lakh to 5 crore	Not Available	View Plan

Eligibility Criteria for Cholamandalam Health Insurance for Senior Citizens

Take a look at the eligibility criteria for elderly parents to buy the Cholamandalam Health Insurance plan for senior citizens:

Categories	Eligibility Criteria
Minimum Entry Age	Adult - 18 years Child – 3 months Siblings – 5 years
Maximum Entry Age	Adult - 75 years Child – 26 years Siblings – 75 years
Family Members Covered	Self, spouse, children, parents, parents-in-law and siblings
Renewability	Lifetime

Inclusions of Cholamandalam Health Insurance for Senior Citizens

Cholamandalam Health Insurance for senior citizens includes the following covers:

In-patient Hospitalization Expenses
Emergency Ambulance Expenses
Pre-hospitalization Expenses
Post-Hospitalization Expenses
Day Care Procedures
AYUSH Cover
Domiciliary Hospitalization
Organ Donor Hospitalization Expenses
New Born Baby Cover
Daily Care Benefit
Compassionate Visit
Repatriation of Mortal Remains
Specialist Consultation Charges
Global Hospitalization Cover
Personal Accident Cover
Child Education Benefit
Consumables Cover
Home Care Expenses
Vaccination Charges
Maternity Cover
Infertility Treatment
Bariatric Surgery
Recovery Benefit
Specs/ Contact Lens/ Hearing Aids
High End Diagnostics
Emergency Air Ambulance Cover

Optional Covers:

Medical Second Opinion

Exclusions of Cholamandalam Health Insurance for Senior Citizens

The following coverage is excluded under Cholamandalam Health Insurance plans for senior citizens:

Cost of dietary supplements and substances without a prescription
Plastic surgery/ cosmetic surgery
Treatment for alcohol or drug abuse
Unproven treatment
Yoga and Naturopathy
Intentional self-injury

FAQs

Q1. Where can I find the premium chart of Cholmandalam Health Insurance for senior citizens?

Ans: You can find the premium chart for the Chola Flexi Health Supreme plan on the insurance company’s website. You can also visit Policybazaar.com and use a health insurance premium calculator to estimate the premium.
Q2. Do Cholmandalam Health Insurance plans for senior citizens come with any waiting periods?
Ans: Yes. Senior citizens need to adhere to the following waiting periods under the Chola Flexi Health Supreme plan:
- Pre-existing Diseases Waiting Period – 2 years/ 3 years
- Initial Waiting Period – 30 days
- Specific Diseases Waiting Period – 2 years
- Maternity Cover Waiting Period – 3 years
- Infertility Treatment Waiting Period – 2 years
- Specs/ Contact Lens/ Hearing Aids Cover Waiting Period – 2 years
Q3. Are there any sub-limits under Cholamandalam Health Insurance for senior citizens?

Ans: Yes. Chola Flexi Health Supreme plan applies sub-limits to the room rent.