Cholamandalam MS Arogya Sanjeevani Policy Health Insurance

Arogya Sanjeevani Policy
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  • 8,000+ Network Hospitals
    Check in your City
  • 1,03,232 Policies Issued
  • 35% Incurred Claim Ratio
  • Lifelong Renewability
  • 50.01% Claim Settlement Ratio
  • Dedicated Claim Settlement
  • Coronavirus (COVID-19) Cover

About Cholamandalam MS Arogya Sanjeevani Policy Health Insurance

Chola MS Arogya Sanjeevani Policy offered by Cholamandalam MS General Insurance prioritises your health by providing financial support at the time of medical emergencies. It covers basic hospitalisation expenses for you and your family, arising due to any sickness, illness, disease, or accident. You can be the Proposer for this policy if you are aged between 18 years to 65 years, and add other family members including legally wedded Spouse, Dependent children aged between 3 months to 25 years, Parents and Parents in-law. The policy comes with a varied sum insured options ranging between Rs. 1 Lakh to Rs. 5 Lakh in multiples of Rs. 50,000 that the policyholders can choose as per their requirement. Available for a policy term of 1 year, the policy needs to be renewed every year. The good news is that you get the flexibility of paying the premium on monthly, quarterly, half-yearly, and annual installments under this policy.

The policy is unique in itself and does not impose any deductible or offer any rider or variants to the policyholders. Other benefits that the policy offers you are-affordable premiums, portability benefit, lifetime renewability, cumulative bonus between 5%-50%, cover for modern treatments, cover for Cataract treatment up to a specific limit, and individual and floater sum insured options among others. The policy comes with a minimum co-payment of 5%. This means, I have to pay only 5% of the admissible claim amount. 

Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses for all daycare treatments
  • In-patient hospitalisation expenses for AYUSH systems of medicines
  • Treatment expenses for the coronavirus disease (COVID-19)
  • Expenses arising due to cataract surgery, up to a specific limit
  • Road ambulance expenses are covered for up to Rs. 2,000 per hospitalisation
  • Pre and post-hospitalisation expenses for up to 30 and 60 days respectively

What's Not Included

  • Expenses related to any type of contraception, sterilization
  • Diagnostic expenses which are not related to current treatment
  • Treatment for injury arising due to participation in adventure sports
  • Maternity expenses traceable to childbirth, except ectopic pregnancy
  • Expenses incurred on domiciliary hospitalisation and OPD treatment
  • Expenses related to hospitalisation for evaluation

Arogya Sanjeevani Policy Reviews

What users are saying
  • Good option

    Arogya Sanjeevani Policy, Chola MS is a good option for people looking for an affordable health insurance plan...

    Read More
    R
    By Rahul Jaiswal
    On: Jun 17, 2020
  • Suitable plan for everyone

    I chose Arogya Sanjeevani Policy, Chola MS because it is an economic plan. Also, when I compared it with other...

    Read More
    Y
    By Yamini Sharma
    On: Jun 16, 2020
  • Must buy

    This is an affordable indemnity plan that covers all my health insurance requirements. It has all the necessar...

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    D
    By Deepanksha Arora
    On: Jun 15, 2020
  • Nice job done by InsuranceDekh...

    InsuranceDekho offers me the best services always. This is the second time I purchased a health insurance plan...

    Read More
    J
    By Jyoti Chopra
    On: Jun 14, 2020
  • Buy from InsuranceDekho

    I chose InsuranceDekho for my health insurance needs after reading reviews from satisfied customers online. Th...

    Read More
    R
    By Raunak Grover
    On: Jun 13, 2020

Cholamandalam MS Arogya Sanjeevani Policy Brochure

  • 484.84 KB
  • PDF Document
  • Jun 18, 2020

Claim Process at Cholamandalam MS Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Arogya Sanjeevani Policy FAQs

  • Who can be the Proposer of Chola MS Arogya Sanjeevani Policy?

    Anyone who is aged between 18 years and 65 years and is an Indian resident can be the Proposer of this policy. 

  • What are the sum insured options available under Chola MS Arogya Sanjeevani Policy?

    Sum insured options available under Cholamandalam MS Arogya Sanjeevani Policy are - Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh. The policyholders can choose the sum insured amount as per their requirement. 

  • What are the modern treatments covered under Chola MS Arogya Sanjeevani Policy?

    Cholamandalam MS Arogya Sanjeevani Policy covers the following modern treatments up to 50% of sum insured:

    • Deep Brain Stimulation
    • Balloon Sinuplasty
    • Bronchial Thermoplasty
    • Immunotherapy
    • Vaporisation of the prostrate
    • Stereotactic Radio Surgeries
    • Uterine Artery Embolization and High Intensity focused ultrasound
    • Intra Vitreal Injections
    • Robotic Surgeries
    • Intra Operative Neuro Monitoring
    • Stem Cell Therapy
    • Oral Chemotherapy 
  • Is there any free look period offered under Chola MS Arogya Sanjeevani Policy?

    Yes. The policyholders get a free look period of 15 days from the date of receipt of the policy to understand its terms and conditions. Remember, the free look period is not applicable to renewals or at the time porting, but only at the time of policy inception. 

  • What are the waiting periods under Chola MS Arogya Sanjeevani Policy?

    The insured needs to complete the following waiting periods to be able to enjoy specific benefits under this policy: 

    • Initial waiting period: 30 days
    • Waiting period for pre-existing diseases: 48 months
    • Waiting period for some specific illnesses: 24 months
    • Waiting period for some specific illnesses: 48 months 
  • Until when can I renew Chola MS Arogya Sanjeevani Policy?

    The policy offers lifetime renewability benefits. The policy needs to be every year.

  • Is there any limit on cover for room rent and ICU/ICCU expenses under Chola MS Arogya Sanjeevani Policy?

    Yes. The policyholders are covered against room rent expenses for up to 2% of sum insured subject to a maximum of Rs. 5,000 per day. Whereas, for ICU/ICCU expenses, they are covered for up to 5% of sum insured, subject to a maximum of Rs. 10,000 per day. 

  • What is the policy period for Cholamandalam MS Arogya Sanjeevani Policy?

    Cholamandalam MS Arogya Sanjeevani Policy is available for a term of one year. The policy needs to be renewed every year. 

  • Can I pay the premium for Chola MS Arogya Sanjeevani Policy in instalments?

    Yes. You can pay the premium for this policy on a Monthly, Quarterly, Half-Yearly, and Yearly basis. But the premium should be paid only in Indian currency. 

  • Will the policy cover expenses for treatment availed outside India?

    No. Cholamandalam MS Arogya Sanjeevani Policy does not cover expenses for treatment taken outside the geographical boundaries of India. 

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