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Cholamandalam MS Arogya Sanjeevani Health Insurance Wordings

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio95%
COVID-19 CoverYes
Network Hospitals8,000+
Policies Sold1,03,232
RenewabilityLifelong

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Cholamandalam MS Arogya Sanjeevani Policy Brochure

  • 484.84 KB
  • PDF Document
  • Jun 18, 2020

Cholamandalam MS Health Insurance Plan List

    Name of PlanSum Insured
    Arogya Sanjeevani Policy Min: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
    Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Get Quotes Now
    Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Get Quotes Now
    COVID-19 PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Get Quotes Now
    Healthline Policy Min: 90 Days; Max: 65 Years1 Lakh Get Quotes Now
    Critical Healthline PolicyMIn: 5 Years; Max: 65 Years3 Lakh Get Quotes Now
    Hospital Cash Healthline PolicyMIn: 3 Months; Max: 65 Years1000/day Get Quotes Now
    Flexi Health PolicyMin: 3 months; Max: 65 years1 Lakh - 25 Lakh Get Quotes Now
    Accident Protection PolicyMin: 6 months; Max: 69 years5 Lakh - 1 Crore Get Quotes Now

    Cholamandalam MS Health Insurance Top Up List

      Name of PlanSum Insured
      Super Top-up Insurance PlanMIn: 3 Months; Max: 70 Years3 Lakh Get Quotes Now
      Top Up Healthline PolicyMin: 3 Months; Max: 65 Years50 Thousand Get Quotes Now

      FAQs on Arogya Sanjeevani Policy Health Insurance Plan

      • 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. 

      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.

      Cholamandalam MS Health Insurance Contact Details

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