If more assistance is needed, please call our 24x7 Customer Helpline number 1800-208-5544 or email us at, Chola MS shall review, confirm and approve the claim as per policy terms and conditions. My wife sends her greetings for your cooperation. You may be surprised to learn that not having health insurance could actually double your medical expenses whe... Why is it important to get yourself and your family covered with a health insurance? Chola MS, being one of the leading health insurance providers in India, offers a number of health insurance plans. Claim settlement is subject to the claim intimation made by the insured member to Chola MS and approval of the claim as per policy terms and conditions. It offers a broad spectrum of comprehensive medical insurance policies with multiple features and benefits. No, the Critical Illness policy covers certain specific illnesses and is taken as an add-on to a Mediclaim policy. Comprehensive and versatile, this medical insurance plan offers cover for widespread health needs including Maternity, Dental, Ayurvedic treatments and Eye care as well as regular covers provided by any standard Mediclaim policy. These plans offer a host of attractive benefits which include: Key details of each of the plans are elucidated and tabulated below: This policy comes with three sub-plans viz. Here are some eating habits you need to follow. Family Discount – 5% discount for covering 2 members and 10% discount for covering more than 2 members in the same policy. All health assurance and mediclaim policies must be read in conjunction with their individuals terms and conditions. In fact he has numbers by his side and claims that currently radio hits at least 31 percent human ears and that too in the prime time during the period between 8AM and 9PM, where most of them are commuting in buses, cars, two wheelers, to college, to work and so on. For more details, please visit its website/branch office. Chola MS deals in automobile, travel, home and personal accident insurance besides health insurance. The diverse range of health insurance products offered by the company provides protection against health risks faced by policyholders. - Pre/Post-hospitalisation expenses: Up to 60/90 days respectively - Pre-existing diseases: After a 4-yr. waiting period - Ambulance costs: Depending on chosen sum assured - 141 day care procedures, Extra Health Cover for extra premium (sub-limits apply), - Inpatient hospitalisation expenses: Room, services of medical professionals, consumables, equipment, supplies etc. - Plan A: Rs.762 to Rs.6,817 - Plan B: Rs.1,317 to Rs.13,355 - Plan C: Rs.1,872 to Rs.19,893, 5% for every additional member covered, max.10%, - Hospitalisation Cash Benefits:: Rs.1,000 (A), Rs.2,000 (B), Rs.3,000 (C); per day - ICU charges: Rs.2,000 (A), Rs.4,000 (B), Rs.6,000 (C); per day - Convalescence Benefit: Lump sum payment; Rs.10,000 (A), Rs.15,000 (B), Rs.20,000 (C); per day - Pre-existing diseases: After a 4-yr. waiting period, Rs.1, 1.5, 2, 3, 4, 5, 7.5 or Rs.10 lakhs No-claim Bonus: 5% enhancement of sum assured for every claim-free year; max. Rs.30,000 - Sinusitis: 10% of the chosen sum assured, max. Settlement of the claim shall be done by Chola MS to the insured. It was hassle free experience of buying health insurance policy from Chola MS. With personalized sum insured, cashless treatment facility, premium payment modes, unconditional support while claiming, and much more, you do not require to sacrifice your savings at the time of a medical emergency. Chola MS General Insurance Company has the responsibility to put in place proper procedures and effective mechanism to address complaints and grievances of policyholders including Mis-selling by different intermediaries and to ensure compliance with the statutory requirements. We believe in making your treatment and recovery easier, and we assure you of assistance when you really need it. Enter your number below. Looking for a playlist to blast through your Monday morning hour at the gym? Have such questions? This plan can be taken in addition to a basic health plan to make coverage more comprehensive. How to File a Claim with Chola MS Health? I used health insurance services for the first time with Chola and it was a great experience for me. With Health Insurance, the Insured can medically cover himself/herself and his/her family members for Sum Insured as per one’s needs at an affordable premium. I was totally unprepared for it. I am the customer from since 5 years and good facility to renew my insurance. Thanks for the great customer calling support provided by Chola MS while buying health policy online for the first time. Settlement of the claim shall be done by Chola MS to the hospital. I live in Kuwait with my husband. Cholamandalam MS General Insurance Company India Limited (Chola MS) is a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan. events or circumstances that can lead to disqualification of claims made. Chola MS Individual health insurance policy is a medical insurance plan for individuals which covers medical expenses on hospitalisation. You can opt for voluntary deductibles and reduce your premium amount mentioned in the policy. Chola MS General Insurance Co. Ltd. was formed a decade ago on its core philosophies of Trust, Transparency and Technology. It is best to buy medical insurance from a company that has a flawless claim settlement record. Day one Coverage for Accidents. to 65 yrs. Top 10 Health Insurance Companies In India, Required; Costs reimbursed up to 50% (Value or Freedom Plans) and 100% (Enrich Plan) on qualification, Individual or Floater (Family includes self, spouse, dependent children/parents/parents-in-law/siblings), - Value Healthline: Rs.2 lakhs - Freedom Healthline: Rs.3, 5 or 7.5 lakhs - Enrich Healthline: Rs.3, 5, 7.5 or 10 lakhs No-claim Bonus: Enhancement of chosen sum assured on renewal for every claim-free year awarded in the following way - Value Healthline: 5% (max. Leaving so soon? Rs.30,000 - Fistula/Piles: 10% of the chosen sum assured, max. Outside India +91-44-6166 3400, Avail live video call facility with our claim experts between 8am - 8pm on all days on your Chola MS COVID-19 Health Insurance. Rs.30,000 - Fistula/Piles: 10% of the chosen sum assured, max. Select health plans provide cover for 20 major critical illnesses. Chola MS General Insurance General Insurance December 26, 2020 Chola MS General Insurance offers insurance products such as Health Insurance, Motor Insurance, Property Insurance, Accident Insurance and Travel Insurance. Hoping for the same support during claims settlement as well. Fe... Self-motivation is something you have to do for a healthy relationship with yourself. For individuals, there are products like Car Insurance , Travel Insurance , Two Wheeler Insurance , Health Insurance , Personal Accident Insurance , Crop Insurance and Home Insurance . Submit the claim with all the relevant documents and claim form. All the post hospitalization expenses were settled smoothly. Enjoy cashless hospitalization at over 4300 hospitals across the country. B... Had a bad day at work? We thank you for the early settlement of our claim. They have very good network of cashless hospitals in each and every area. I was just sitting around¿ even for a glass of water, I had to ask my maid. Insured persons can choose to purchase a critical illness … Chola MS Health insurance policy provides financial aid for medical expenses incurred for treatment of ailments, surgery, hospitalization, etc. - Inpatient hospitalisation expenses: Including charges for treating medical professionals, consumables, equipment, supplies, OT etc. Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Cholamandalam MS offers health insurance in India to insureds the option of availing quality treatment at more than 6500+ leading hospitals across the country. They have an incurred claims ratio of 35.00%, and also covered 18.06 lac lives during the same year 2018-19, as per the data provided by IRDAI. The comprehensive health coverage offered by the company ensures that all your expenses are taken care of in case you are hospitalised due to an illness. Rs.5,000; 30% co-payment; (Advanced) Cataract (per eye): 7.5% of the chosen sum assured, max.Rs.20,000 - Hernia: 10% of the chosen sum assured, max. Plan A, B, C, D, E, F and G. Each plan features a deductible which is the amount the proposer bears on admissible claims. Get comprehensive health cover for you and Thanks. They are similar in terms of features but differ in terms of coverage amounts/sub-limits. Cholamandalam MS General Insurance Company Ltd. is a joint venture between Murugappa … I was unable to walk, stand or even work in the kitchen. All important details are available online.. 50%, Basic: Rs.1,643 to Rs.24,555 Basic + Extra: Rs.1,811 to Rs.29,200 Premiums depend on chosen coverage and age of insured member, Family discount: On total premium for additional members covered, - Inpatient hospitalisation expenses: Room, services of medical professionals, consumables, equipment, supplies etc. 3 months for children, Family Floater (Family includes self, spouse, dependent children), - Standard: Rs.2 to 5 lakhs in increments of Rs.1 lakh - Superior: Rs.4 to 10 lakhs in increments of Rs.2 lakhs - Advanced: Rs.6 to 12 lakhs in increments of Rs.2 lakhs; Rs.15 lakhs No-claim Bonus: 5% enhancement of chosen sum assured for every claim-free year, - Standard: Rs.5,845 to Rs.1,42,297 - Superior: Rs.10,516 to Rs.2,47,593 - Advance: Rs.18,707 to Rs.3,50,661 Depends on age of insured (based on oldest member), chosen sum assured, chosen plan and family size i.e. Rs.5,000; 30% co-payment (Advanced) - External Aids: 1% of chosen sum assured, max. Children from the age of 3 months and onwards are eligible for the Chola MS Individual Healthline policy. Standard Plan: Covers 10 illnesses 2. Pre and post hospitalization expenses are covered by most of the health plans offered by Chola MS. You can enjoy cashes hospitalization in 4300 hospitals plus hospitals in India. Chola MS offers a wide range of insurance products that include Motor, Health, Property, Accident, Engineering, Liability, Marine, Travel and Crop insurance for individuals and corporates. Cholamandalam MS General Insurance Company Ltd (Chola MS) is an Indian insurance firm and a joint venture between the Murugappa Group, an Indian conglomerate, and the Mitsui Sumitomo Insurance Group, a Japanese insurance company. This health plan takes care of all the health insurance needs of the family. The hospital and the insured will be intimated in case of any additional information that is required. The Cholamandalam Ms General Insurance offers various products for their customers such as Health Insurance, Car Insurance, Travel Insurance, Home Insurance and Personal Accident. GST rate of 18% applicable for all financial services effective July 1, 2017. Nearly 20 critical illnesses are covered under this policy. When people decide to go on a diet they are already on a mindset that they are depriving their bodies of the f... As the caption states, why haven’t you bought your health insurance yet? Furthermore, the insured can claim both of the policies when a critical illness occurs. Up to Rs.80,000 (A); Rs.3 lakhs (B); Rs.5 lakhs (C),Rs.8 lakhs (D), Rs.10 lakhs (E), Rs.15 lakhs (F), Rs.20 lakhs (G) Room charges: Rs.500 (A), Rs.2,000 (B), Rs.4,000 (C), Rs.5,000 (D), Rs.6,000 (E), Rs.7,500 (F), Rs.10,000 (G) - Pre-hospitalisation expenses: Up to 60 days, max.5% of actuals - Post-hospitalisation expenses: Up to 90 days, max.10% of actuals (up to Rs.50,000) - Ambulance costs: Up to Rs.3,000 per hospitalisation - Pre-existing diseases: After a 4-yr. waiting period, Standard: Men - Rs.825 to Rs.65,370 Women - Rs.776 to Rs.60,665. 1. Chola MS launches 2 new Retail Products in Health and Home Insurance Chola Individual Healthline (IHL) –More Comprehensive, More Convenient and More Caring than any other health insurance policy. Basic plans do not cover critical illnesses whereas this plan specifically targets these events. I was able to utilise the cashless facility provided by my company, and underwent the required surgery. In a recent chit chat with Neeraj Moorjani the Head of Marketing, Customer Lifecycle Management & Corporate Communications gave the reasons behind the unique approach. This Page is BLOCKED as it is using Iframes. - 1 yr. policy: Rs.2,472 to Rs.14,029 - 2 yr. policy: Rs.4,749 to Rs.27,244 - 3 yr. policy: Rs.6,808 to Rs.38,802 Premiums are based on the oldest insured member and depend on chosen sum assured, number of insured members, age and policy tenure. Few month later I suffered with mild brain stroke I am hospitalized 15 days that time my blood test report creatin level urea level increased then do ultra sound scan and its report shows kidney problem. Many thanks to Chola MS for settling my health insurance claim on time when I was hospitalized. When my spinal pain started, my whole life got disturbed. This number appears incorrect / invalid. I guess I was lucky to find Chola MS’ health insurance policies quite early in my search. Fixed Benefit Policies with flexible Sum Insured options for listed Critical Illnesses. Rs40,000 (Cataract to Tonsillitis: covered under the Standard Plan within limits mentioned above; Cataract only covered under the Superior Plan; Cataract to Tonsillitis: covered under the Advanced Plan on basis of actuals), Plan A: Rs.50,000; applicable deductible:Rs.30,000 Plan B: Rs.2 lakhs; applicable deductible:Rs1 lakh Plan C: Rs.3 lakhs; applicable deductible: Rs.2 lakhs Plan D: Rs.5 lakhs; applicable deductible Rs.3 lakhs Plan E: Rs.6 lakhs; applicable deductible: Rs.4 lakhs Plan F: Rs.10 lakhs; applicable deductible: Rs.5 lakhs Plan G: Rs.15 lakhs; applicable deductible: Rs.5 lakhs. Is parenting getting extra stressful? Cholamandalam MS General Insurance is an up and coming general insurer operating in the Indian market. I began looking for a health insurance plan as I was worried about my family’s health safety and well-being. In case of an existing Chola MS Critical Healthline policy, the insured needs to declare the existent policy at the time of purchasing the new one. When it comes to health insurance, Chola MS is always there. 2,500 crores for the present fiscal. Having an Online Health Insurance helps you focus on your recovery. 8. Rs.5,000, every 2nd year, 30% co-payment - Cataract (per eye): 7.5% of the chosen sum assured, max.Rs.20,000 - Hernia: 10% of the chosen sum assured, max. Following the approval of the stake sale by Tube Investment’s board, the completion of the deal will see Mitsui Sumitomo increase its ownership in Chola MS to 40% from 26%. Also Read: How to File a Claim with Chola MS Health? A select number of Chola MS Health plans provide double coverage for accidents and critical illnesses. Dear Sir, I have received a cheque against the medical claim of my wife. Cholamandalam health insurance is a part of Cholamandalam MS General Insurance Company Ltd, a joint venture between the Murugappa Group, an Indian conglomerate, and the Mitsui Sumitomo Insurance Group, a Japanese company. There are no sub limits on diseases which is absent in most of the health insurance policies today. You can also enjoy free medical check-up for not making no claims. ; 3 months for children, Rs.1 to 5 lakhs in increments of Rs.1 lakh No-claim Bonus: 5% enhancement in chosen sum assured for every claim-free year, max.50%. Rs.75,000 or Rs.1 lakh (Superior and Advanced, respectively) - Maternity Expenses: After a 5-yr. waiting period, Rs.15,000 or Rs.25,000 (Superior and Advanced, respectively) - 141 day care procedures - Specific Ayurvedic treatment: Up to 7.5% of the chosen sum assured, 20% co-payment - Dental: After a 3-yr. waiting period, 1% of the chosen sum assured, max. 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