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.
- Intimate Cholamandalam about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
About Cholamandalam Health Insurance
Cholamandalam health insurance is offered by the Cholamandalam MS General Insurance Company, which was started as a joint venture between India-based Murugappa Group and Japan-based Mitsui Sumitomo Insurance Company in November 2001. These health plans provide financial assistance to individuals and families against medical expenses incurred on the treatment of diseases, such as cancer and COVID-19 along with customized plans for COVID-19 and critical illnesses.
Types of Cholamandalam Insurance Plans
The Chola Flexi Health Supreme plan offers comprehensive coverage to all the members of a family against a wide range of medical expenses. The plan offers sum insured amount from Rs 5 lakh to Rs 5 crore and is available in three types – Basic, Plus and Premiere.
Features and Benefits:
- In-patient hospitalization, global hospitalization and home care expenses are covered
- Maternity cover, newborn baby cover and infertility treatment cover are available
- Specialist consultation charges, bariatric surgeries and high-end diagnostics are covered
- Consumables cover, daily care benefit and recovery benefit are available
- Unlimited restoration of the sum insured for up to 100% is available
- Additional sum insured is paid for road traffic accident claims
- Health check-up facilities are available after every 2 years
The Chola Flexi Health plan offers all-round medical coverage to the insured along with flexible sum insured options ranging from Rs 50,000 to Rs 25 lakh.
Features and Benefits:
- In-patient, pre-hospitalization and post-hospitalization expenses are covered
- Newborn baby cover, AYUSH cover and domiciliary hospitalization are available
- No room rent applies to a sum insured of more than Rs 2 lakh
- Health check-up benefit is available after every 2 claim-free years
- 10% cumulative bonus for up to 50% is available after every claim-free year
- 100% restoration of the sum insured and additional sum insured for road traffic accidents are available as add-on covers
- Recharge benefit, daily care benefit and medical second opinion are also available as add-ons
Chola Healthline is a comprehensive health insurance plan that covers the medical expenses of individuals and families by offering financial assistance. The plan is available in four different types - Value, Freedom, Enrich and Privilege.
Features and Benefits:
- No pre-policy health check-up is required for up to 45 years
- Coverage for in-patient hospitalization, ambulance service and pre & post-hospitalization expenses are available
- Day care procedures, domiciliary treatments and AYUSH treatments are covered
- Child hospitalization allowance, extended hospitalization allowance and dental OPD are available
- Maternity and newborn baby expenses are also covered
- Double the sum insured amount is paid for 14 named critical illnesses and accidents
- Free health check-ups are available after a block of claim-free years
- A 5% cumulative bonus for a maximum of 25% is granted for every claim-free year.
Chola MS Critical Healthline Insurance is a fixed-benefit plan that offers coverage for up to 12 listed critical illnesses. The plan comes in two types – Standard and Advanced.
Features and Benefits:
- A lump sum payment is made on the diagnosis of up to 12 critical illnesses, including cancer, stroke, first heart attack, kidney failure, etc.
- While the Standard plan covers 10 critical illnesses, the Advanced plan covers 12 critical illnesses along with ambulance charges.
- No pre-medical check-up is required for up to 55 years
- A survival period of 30 days is applicable.
The Chola Flexi Super Topup Insurance plan comes with higher medical coverage that comes to the policyholder’s rescue if the base policy limit is exhausted. The plan consists of an in-built deductible that ranges from Rs 1 lakh to Rs 1 crore with sum insured options ranging from Rs 3 lakh to Rs 5 crore.
Features & Benefits:
- Coverage for in-patient hospitalization and domiciliary hospitalization are available
- Both pre-hospitalization and post-hospitalization expenses are covered
- AYUSH benefit and emergency ambulance cover are also available
- No sub-limits or co-payments are applicable
- No pre-policy medical check-up is required for up to 55 years
The Chola Sarva Shakti plan has been specially designed to cover the medical needs of women.
Features & Benefits:
- Coverage for maternity expenses and medical termination of pregnancy are available
- Costs of hospitalization, day care procedures and ambulance charges are covered
- Both personal accident cover and critical illness cover are available
- Cancer screening benefit is available after 3 policy renewals
- Genetic testing cover for mother & child and EMI benefit due to loss of job are available
- Temporary domestic help and little baby caregiver expenses are covered
- No pre-policy medical check-up is required
The Chola Hospital Cash Healthline plan provides coverage for miscellaneous expenses incurred during hospitalization. The policy is sub-categorized into six different plans.
Features & Benefits:
- A hospital cash benefit is paid for each day of hospitalization
- Twice the daily hospital cash amount is paid for every 24 hours spent in the ICU
- Coverage for a maximum of 20 days are available in a policy year
- Convalescence benefit is provided on hospitalization of more than 20 continuous days
- No pre-policy health check-up is required for up to 55 years
The Chola Super TopUp Insurance plan provides medical coverage for up to four times the base policy’s sum insured with an in-built deductible.
Features & Benefits:
- Costs of in-patient hospitalization and domiciliary hospitalization are covered
- Day care procedures and AYUSH cover are available
- Emergency ambulance and pre-post hospitalization expenses are covered
- No pre-policy health check-up is required for up to the age of 55 years
The Chola Flexi Max Protect plan has been designed to offer financial coverage to the insured for up to 50 critical illnesses, including coma, stroke, cancer, etc. The plan is available in 5 types covering a varied number of critical illnesses.
Features & Benefits:
- Lump sum payment is made on the diagnosis of the first critical illness
- Double protection cover for second critical illness is available
- Loss of job cover and loss of income for self-employed are also available
- Medical second opinion is available as an add-on cover
- A survival period of up to 30 days is applicable
Key Benefits of Cholamandalam Health Insurance Plans
or select from popular citiess 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 ›Search Cholamandalam Cashless Network Hospital list
Policybazaar Claim Process
Here is the list of documents required to file a Cholamandalam health insurance claim:
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Claim FormDuly filled out Cholamandalam health insurance claim form
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Health Card/Policy CopyHealth card or a copy of health insurance policy
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Medical DocumentsHospital discharge card, doctor’s prescriptions, test reports, death summary, etc.
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Medical Bills & Payment ReceiptsMedical test and investigation reports with payment receipts, Surgeon's bills and payment receipts
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Post-hospitalization Medical ExpensesIt covers the medical expenses incurred up to 180 days after getting discharged from the hospital.
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KYC DocumentsKYC documents, such as an Aadhaar card, passport, etc.
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Legal DocumentsMLC/ FIR copy (in case of accidents)
Note: The exact list of claim documents varies from case to case. Contact the customer support team for the complete list.
The process to buy a Cholamandalam Health Insurance plan is given below:
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Visit the Health Insurance SectionGo to the ‘Health insurance’ section on Policybazaar.com
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Fill in Personal DetailsProvide necessary details like age, mobile number, city, medical history, gender, etc.
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Pay the Premium OnlineChoose your preferred Cholamandalam health insurance policy and pay the premium online
The process to renew a Cholamandalam Health Insurance plan is given below:
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Go to the Renewal SectionNavigate to the ‘Renew Your Policy’ tab on Policybazaar.com and select ‘Health Renewal’
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Verify Your IdentityEnter your registered mobile number and the OTP sent to your device
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Pay the Renewal Premium OnlineSelect the Cholamandalam health insurance policy you want to renew and pay the premium online
Explore Cholamandalam Health Insurance
Take a look at the Cholamandalam Health Insurance contact number below:
| Categories | Contact Details |
|---|---|
| Toll-free No | 1800-208-9100 |
| Whatsapp No. | 73052 34433 |
| Customer Care Email ID | customercare@cholams.murugappa.com |
Cholamandalam Health Insurance: FAQs
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Q1. What is the claim ratio of Cholamandalam health insurance?
Ans: The Cholamandalam health insurance claim settlement ratio is 97% for the year 2021-22.
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Q2. How to check my Cholamandalam health insurance policy?
Ans: Existing policyholders can log into the insurer’s website with their valid login details to check their Cholamandalam health policy. New users need to first create their accounts to check their policy details.
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Q3. Where can I find Cholamandalam health insurance hospital list?
Ans: You can find the network hospital list for Cholamandalam health insurance with the policy document issued by your insurer. You can also visit Policybazaar.com to check the list of network hospitals in different cities.
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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.
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