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Cholamandalam Health Insurance Benefits

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Highlights
Cashless Approval TAT70 mins Cashless Claim Processing
Claim Settlement Ratio94%
Network Hospitals11,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsHigh Coverage
Starting Premium of Rs. 5 lakhs SIRs. 407/month

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Benefits of Cholamandalam Health Insurance

Cholamandalam MS General Insurance Company is one of the largest public sector general insurance companies in India. It has built a strong reputation in the health insurance sector of India by providing comprehensive health insurance policies for individuals, families, seniors, critical illness patients, and so on. The company offers a variety of useful products for individuals and families, 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 a variety of policies that are designed to provide consumers with comprehensive coverage. AYUSH coverage, pre-hospitalisation and post-hospitalisation coverage, pre-existing disease coverage, and so on are examples of these coverages.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

Customers of Cholamandalam MS General Insurance Company Limited are eligible for a free health check-up after two to three claim-free years, depending on 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. As a result, with a proper health insurance policy from Cholamandalam MS, you can enhance your plan and benefit from 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 get a medical coverage plan is to guarantee that you will be paid for all or the maximum amount of medical expenses for which a claim must be filed 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 comprehensive medical coverage plans that provide reasonable coverage against medical costs.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 2019-2020 was 40.67%. 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.

  • 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.
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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Key Features of Cholamandalam MS Critical Illness Insurance Policy

The critical insurance policy by Cholamandalam MS has many more features, such as:

  • Portability option
  • Cashless treatment
  • Lifelong renewability
  • Claim settlement support
  • No medical test up to 55 years

With Cholamandalam MS Critical Healthline Policy in hand, your family can handle the situations and live a good life. On the other hand, you can get the best treatment in the best hospital in your area without having to exhaust your savings.

Save Tax upto ₹75000*
Under Section 80D

*Tax benefits are subject to changes in Income Tax Act.

Cholamandalam Health Insurance Top Up List

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

    Cholamandalam MS Health Insurance User Reviews

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    What users are saying
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    • The Cholamandalam MS Health Insurance Policy from InsuranceDekho is an essential part of my plan for a healthy...

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      Cholamandalam MS
      By Jannya Pathak
      On: Sep 20, 2023
    • I bought the Cholamandalam MS Health Insurance Policy for myself from the InsuranceDekho website, I found it e...

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      Cholamandalam MS
      By Santosh Devrat
      On: Sep 04, 2023
    • The Cholamandalam MS Health Insurance Policy is a useful policy that I bought online at InsuranceDekho last we...

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      Cholamandalam MS
      By Neelam Kathuria
      On: Aug 16, 2023
    • The Cholamandalam MS Health Insurance Policy is an affordable policy that offers enhanced coverage. I bought t...

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      Cholamandalam MS
      By Neeraj Singhal
      On: Aug 08, 2023
    • I bought the Cholamandalam MS Health Insurance Policy from the website of InsuranceDekho. It was the best heal...

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      Cholamandalam MS
      By Shweta Nagar
      On: Jul 20, 2023
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    Cholamandalam Health Insurance Contact Details

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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.

    Insurance Products by Cholamandalam MS General Insurance

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    FAQ About Cholamandalam 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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