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Cholamandalam MS Health Insurance Benefits

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Highlights
Claim SettlementDedicated Team
Claim Settlement Ratio56.25%
COVID-19 CoverYes
Network Hospitals8,000+
Policies Sold1,03,232
RenewabilityLifelong
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Benefits of Cholamandalam MS Health Insurance

Cholamandalam MS General Insurance Company is one of the largest public sector general insurance companies in India. It has structured goodwill in the health insurance sector of India by offering comprehensive health insurance policies for individuals, families, senior citizens, critical illness patients, and so on. The organisation delivers various effective products for an individual as well as a family, which can be renewed online.
The insurer also assists the policyholders in buying a health insurance plan without any hassle in a few minutes. Cholamandalam MS General Insurance Company Limited offers many policies specially framed to provide wide coverage to customers. These coverages may comprise of AYUSH coverage, pre-hospitalisation and post-hospitalisation cover, pre-existing disease coverage, and so on. In addition to these, the insured members also acquire some added advantages such as cashless hospitalisation, customer support, grace period option, lifelong renewability, portability, and so on.

  • Additional Benefit of Free Health Check up

    Cholamandalam MS General Insurance Company Limited offers health check-up for free to its customers after every two to three claim-free years, depending upon the plan and variant. This advantage is incorporated into the maximum health products provided by the organisation.
  • Additional Protection over Employer Coverage

    The insurance plan offered by the employer may not cover some ailments. Hence, with a suitable health insurance policy by Cholamandalam MS, you can get your plan enhanced and avail the advantage of additional protection.
  • Cashless Benefit

    Health insurance policies offered by the Cholamandalam MS are framed to assist you in overcoming the stress pertaining to finance during a medical emergency. But, with policies that provide cashless benefits, one can easily avail cashless treatment at 7,000+ network hospitals across the nation.
  • Claim Settlement Ratio

    The most significant reason to buy a medical coverage plan is to remain assured that the plan will reimburse all or the maximum amount of medical expenses paid by you for which claim has to be made and settled. Chola MS has a Claim Settlement Ratio of 56.25% for FY 2019-20. The claim settlement ratio changes from time to time.
  • Coverage against Medical Expenses

    Chola MS General Insurance Company Limited offers reasonable coverage against medical costs through comprehensive medical coverage plans. Its policies usually provide the coverage for pre-hositalisation and post-hospitalisation costs, daycare procedures, ambulance charges, domiciliary hospitalisation charges, etc.
  • Incurred Claim Ratio

    Incurred Claim Ratio is the rate of net claims settled and paid by the insurance providing company to the net premium collected. The Incurred Claim Ratio (ICR) for Chola MS for the year 2018-2019 was 35%. However, the ICR of the insurer keeps changing with time.
  • Tax Benefit

    On buying the health insurance policies from Chola MS, the policyholders can enjoy tax-related benefits on the amount of premium paid as per the Section 80D of Income Tax Act, 1961.

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

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

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Why to Buy Health Insurance Policy Online from InsuranceDekho

  • Tax benefit upto 75,000*
  • Claim support everyday 10AM-7PM
  • 14 Lakh+ happy customers

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Cholamandalam MS Health Insurance Contact Details

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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.

Insurance Products by Cholamandalam MS General Insurance

FAQ About Cholamandalam MS Health Insurance

  • Does Cholamandalam MS General Insurance Company offer any family floater health insurance policy?

    Yes. Cholamandalam MS provides health insurance policies, which are framed especially for families. The Healthline health insurance plan is a popular product offered for families.

  • Are customers required to go through medical check-ups for buying health insurance policies from Cholamandalam MS insurance firm?

    Yes, under a few plans by Cholamandalam MS the applicants are required to go through pre-acceptance medical screening or test. In case, if the proposal is accepted, 100% cost of the check-up is reimbursed to the applicant.  

  • Does Cholamandalam MS General Insurance Company offer coverage for critical illnesses under any of its policies?

    Yes. Cholamandalam MS insurance firm offers a speficially-designed plan to provide coverage related to critical illnesses.

  • Does Chola MS Insurance Company provide Hospital Cash benefit under any of its health plans?

    Yes, Cholamandalam MS General Insurance Company provides a separate plan known as Chola Hospital Cash Healthline to offer hospital cash benefit to the customers.

  • How to purchase and apply for health insurance policies plans by Cholamandalam MS General Insurance Company?

    To buy a health insurance policy from Cholamandalam MS General Insurance Company applicants can either visit the company’s official website, i.e.  www.cholainsurance.com or can buy it from the leading online broker’s website i.e., InsuranceDekho.com.

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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - support@insurancedekho.com ; Helpline number: 7551196989.
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