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.

Cholamandalam MS Arogya Sanjeevani Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 70 minutes
Claim Settlement Ratio	94%
Network Hospitals	12,000+
Pre-existing Disease Waiting Period	3 years
Special Benefits	High Coverage
Starting Premium of Rs. 5 lakhs SI	Rs. 407/month

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Cholamandalam MS Arogya Sanjeevani Policy Brochure

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Jun 18, 2020

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Cholamandalam Health Insurance Plan List

Family (3)
Individual (2)
Critical Illness (1)
Kids (1)
Maternity (1)
Parents (1)
Senior Citizen (1)
Woman (1)

Name of Plan	Sum Insured
Flexi SupremePopular		Check Premium
Arogya Sanjeevani Policy Min: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
COVID-19 PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Accident Protection PolicyMin: 6 months; Max: 69 years	5 Lakh - 1 Crore	Check Premium
Flexi Health PolicyMin: 3 months; Max: 65 years	1 Lakh - 25 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Hospital Cash Healthline PolicyMIn: 3 Months; Max: 65 Years	1000/day	Check Premium
Critical Healthline PolicyMIn: 5 Years; Max: 65 Years	3 Lakh	Check Premium
Healthline Policy Min: 90 Days; Max: 65 Years	1 Lakh	Check Premium

Cholamandalam Health Insurance Top Up List

Top-up (2)

Name of Plan	Sum Insured
Super Top-up Insurance PlanMIn: 3 Months; Max: 70 Years	3 Lakh	Check Premium
Top Up Healthline PolicyMin: 3 Months; Max: 65 Years	50 Thousand	Check Premium

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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.

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Claim Process at Cholamandalam 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 Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Cholamandalam Health Insurance
1800-208-554424x7
customercare@cholams.murugappa.com