Cholamandalam MS Arogya Sanjeevani Health Insurance Wordings

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. 

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 

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. 

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 

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

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. 

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

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. 

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