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Cholamandalam MS Health Insurance FAQs

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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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Claim Settlement

  • In how much time I need to contact network hospitals of the Cholamandalam MS about the hospitalisation?

    To seek cashless facility in the network hospital of Cholamandalam MS, you need to inform them within 72 hours in advance in planned admission case, while within 48 hours in the case of emergency hospitalisation.

  • Where to approach for claim-related assistance with a Cholamandalam MS plan?

    If you need any claim-related help, you can call Cholamandalam MS at their 24x7 customer helpline number 1800-208-5544 or email them at customercare@cholams.murugappa.com. You can also call InsuranceDekho's customer care executives at toll-free number 7551-196-989.

  • Is it mandatory to stay for 24 hours in the hospital to be eligible for a claim?

    Yes, any policyholder needs to be hospitalised for at least 24 hours in a hospital to be eligible for a claim. Only in the case of daycare treatments or procedures, the admission for less than 24 hours is considered for a claim.

  • What are the basic documents I need to present to get the claims settled?

    The documents that you need to present for the settlement of your claim are :

    • Duly filled claim form
    • Certificate from the doctor
    • Medicine prescriptions and bills
    • Diagnosis and test reports like CBC, ECG, x-ray etc.
    • Discharge details and reports
    • Final receipts from the hospital

  • What is the Claim Settlement Ratio of Cholamandalam MS General Insurance Company?

    The Claim Settlement Ratio of Cholamandalam MS General Insurance Company for FY 2019-20 is 56.25%.

Critical Illness

  • 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.

  • What is the name of the specific plan for critical illness offered by Cholamandalam MS?

    Critical Healthline is the name of the critical illness plan offered by the Cholamandalam MS.

  • Is there any medical check-up required to seek critical illness plan of Chola Ms?

    Yes, the medical checkup is required but only after 55 years of age.

  • What is the maximum sum insured amount of critical illness plan offered by Cholamandalam MS?

    The sum insured amount of Cholamandalam MS critical illness plan ranges from Rs. 3 lakh to Rs. 10 lakh.

  • What types of critical illnesses are covered by the Cholamandalam MS critical illness plan?

    The critical illness plan of Cholamandalam MS covers different types of diseases such as:

    • Cancer of specified severity
    • Major organ/bone marrow transplant
    • Primary pulmonary hypertension
    • Kidney failure requiring regular dialysis
    • Stroke resulting in permanent symptoms
    • Open chest CABG
    • Permanent paralysis of limbs
    • Surgery f aorta and so on

Family

  • 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.

  • How many children can get covered under the family floater plan of Cholamandalam MS?

    You can get up to 4 children covered between the age of 90 days and 26 years under the family floater plan of Cholamandalam MS.

  • Does any sub-limits exist under the family floater plan of Cholamandalam MS?

    No sub-limits are present under the family floater plan of Cholamandalam MS.

  • Does any pre-hospitalisation and post-hospitalisation expenses get covered under the Cholamandalam MS plans?

    Yes, the Cholamandalam MS offers the coverage for the expenses of pre-hospitalisation and post-hospitalisation for 60 and 90 days respectively.

  • Who should buy a Cholamandalam MS family health insurance plan?

    Individuals willing to insure their health along with their family members should buy Cholamandalam MS family health insurance Healthline Policy. Under family floater sum insured basis, the policy provides cover for self, spouse and dependent children.

  • Can I change the sum assured during Cholamandalam MS family health insurance tenure?

    It is advisable to change the sum insured amount at the time of policy renewal since health insurance companies including Cholamandalam MS does not allow any change during the policy tenure of family health insurance.

  • What is the advantage of the Cholamandalam MS family health insurance plan?

    Easy claim settlement, the cashless facility at 8,000+ network hospitals, lifelong policy renewal, sum insured range up to Rs. 25 Lakh, 6% and 12% long term policy discount, 10% discount on the premium from Tier 2 locations, 5% cumulative bonus, tax benefits as per Section 80D and others are the prime advantages of buying Cholamandalam MS family health insurance.

  • What does the Cholamandalam MS family health insurance plan cover?

    When it comes to coverage, Cholamandalam MS family health insurance Healthline Policy grants coverage for in-patient hospitalisation expenses, pre & post hospitalisation expenses, AYUSH coverage, emergency ambulance expenses, domiciliary hospitalisation expenses, organ donor hospitalisation, cumulative bonus, maternity expenses & newborn baby hospitalisation (according to the variant), and various other expenses at an affordable premium rate.

  • Does Cholamandalam MS family health insurance policy offer tax deductions?

    Yes! Under Section 80D of the Income Tax Act, 1961, a policyholder having Cholamandalam MS family health insurance can avail tax deduction for the policy premium paid.

Feature

  • 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.

  • Are expenses related to domiciliary hospitalisation covered under the Cholamandalam MS plans?

    Domiciliary hospitalisation expenses are covered for a maximum of 7 days per insured person per policy year.

  • Is there any cumulative bonus offered under the health insurance plans by Cholamandalam MS?

    Yes, a cumulative bonus of 5% of the sum insured is offered for every claim-free year. The bonus can be provided for a maximum of up to 50% of the sum insured.

General Information

  • 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 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.

  • Does Cholamandalam MS General Insurance Company offer discounts to its customers?

    Yes, Cholamandalam MS provides discounts to the policyholders on specific plans.

  • What is the customer care number of Cholamandalam MS General Insurance Company?

    The toll-free number of Cholamandalam MS General Insurance Company is 1800-208-5544.

Help to Buy

  • 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.

  • Is it safe to purchase the Cholamandalam MS health insurance policy online?

    Yes, purchasing the health insurance policy online is not only safe, but also saves a lot of time. For any assistance regarding the policy purchase online, you can call toll-free number of InsuranceDekho at 17551-196-989.

  • Why should I purchase Cholamandalam MS Health Insurance?

    Cholamandalam MS offers comprehensive health insurance plans under different categories such as Hospitalisation plans, Critical Illness plans, Super Top Up plans, and Daily Benefit plans. Together these policies take care of different medical situations faced by almost every individual. Hence, it is considered a good option while purchasing a health insurance policy for yourself or your family.

Individual

  • What is the maximum amount of sum insured offered by Cholamandalam MS for its individual plans?

    Cholamandalam MS offers the sum insured amount for individuals from Rs. 1 lakh to Rs. 25 lakh.

  • Is any free look period option available under the individual policy of Cholamandalam MS?

    Yes, a 15 day period is allowed from the date of receipt of policy to review the terms and conditions of the policy and to return the same, if not acceptable.

  • Does Cholamandalam MS offer the health checkup expenses to individuals owning an individual plan?

    Yes, under three plans of Cholamandalam Healthline which are Freedom Healthline, Enrich Healthline and Privilege Healthline, the health checkup expenses are covered once after 3, 2 and 2 claim-free years, respectively.

  • Who should buy Cholamandalam MS individual health insurance plan?

    Any individual below 65 years of age can buy Cholamandalam MS individual health insurance Healthline Policy to get themselves covered on an individual sum insured basis. The policy is available in 4 variants and covers the medical expenses of the insured individual in a comprehensive form. Thus, any person who needs health and financial security can buy this plan.

  • Can I change the sum assured during Cholamandalam MS individual health insurance tenure?

    If you have Cholamandalam MS individual health insurance and want to change the sum insured amount, it is advisable to wait until the policy renewal time. Remember, health insurance policies, Chola MS as well does not allow any changes to be done during the policy tenure.

  • What is the advantage of the Cholamandalam MS individual health insurance plan?

    When you buy Cholamandalam MS individual health insurance, you gain multiple advantages. Some of the key ones include lifelong policy renewal, sum insured range up to Rs. 25 Lakh, 6% and 12% long term policy discount, 10% discount on the premium from Tier 2 locations, 5% cumulative bonus, easy claim settlement, a cashless facility at 8,000+ network hospitals, tax benefits as per Section 80D and many more.

  • What does Cholamandalam MS individual health insurance plan cover?

    Healthline Policy, Cholamandalam MS individual health insurance provides coverage for in-patient hospitalisation expenses, pre & post hospitalisation expenses, domiciliary hospitalisation expenses, AYUSH coverage, emergency ambulance expenses, organ donor hospitalisation, cumulative bonus, maternity expenses & newborn baby hospitalisation (as per the variant), and more.

  • Does Cholamandalam MS individual health insurance policy offer tax deductions?

    Yes! Under Cholamandalam MS individual health insurance, a policyholder is eligible to avail tax benefits as per Section 80D of the Income Tax Act, 1961.

Kids

  • Does Cholamandalam MS Health Insurance offer any specific plan for kids?

    No, Cholamandalam MS doesn’t provide any specific health insurance plan for kids. But, kids can be covered under different Cholamandalam MS health policies with their parents.

  • What is the minimum entry age for children under the Cholamandalam MS plans?

    The entry age for kids under the Cholamandalam MS plans start from 90 days.

  • Are kids provided with the daycare procedures under the Cholamandalam MS health plans?

    Yes, kids are provided with the coverage of 141 daycare treatments and procedures.

  • Who should buy Cholamandalam MS kids health insurance plan?

    Parents looking forward to safeguarding the health of their dependent children without losing their financial stability should buy kids health insurance, the Healthline Policy from Cholamandalam MS.

  • Can I change the sum assured during Cholamandalam MS kids health insurance tenure?

    It is advisable to make any sum insured change at the time of policy renewal rather than policy tenure of your Cholamandalam MS kids health insurance policy.

  • What is the advantage of the Cholamandalam MS kids health insurance plan?

    One of the key advantages of Chola MS kids health insurance is that the plan covers dependent kids who are 90 days and above and up to 26 years of age. Apart from newborn baby hospitalization, child hospitalization allowance is also provided. The plan offers comprehensive cover with sum insured up to Rs. 25 Lakh, the cashless facility at 8000+ network hospitals, quick and easy claim settlement, lifelong renewability, long-term plan purchase discount, 10% discount on premium for insured individuals from Tier 2 locations, cumulative bonus, etc.

  • What does Cholamandalam MS kids health insurance plan cover?

    The Chola MS kids health insurance policy, Healthline Policy provides cover for newborn baby expenses as well as child hospitalization allowance per hospitalization. Other key features covered include in-patient hospitalisation expenses, pre & post hospitalisation expenses, emergency ambulance expenses, 141 day care expenses, organ donor hospitalisation, cumulative bonus, domiciliary hospitalisation expenses, AYUSH coverage, health checkup expenses and more.

  • Does Cholamandalam MS kids health insurance policy offer tax deductions?

    Yes! Under the Section 80D of the Income Tax Act, 1961, a policyholder of kids health insurance by Chola MS is eligible for tax benefits.

Maternity

  • What is the waiting period to avail the maternity benefits under Cholamandalam MS plans?

    The waiting period to avail the maternity benefits under the Cholamandalam MS Privilege Plan is of 36 months.

  • What is the limit of the coverage offered for maternity expenses?

    Cholamandalam MS offers the maternity expenses up to Rs. 1 lakh per delivery.

  • Does any plan by Cholamandalam MS cover the newborn baby hospitalisation expenses with maternity expenses?

    Yes, the Privilege plan of Cholamandalam MS provides the coverage of maternity expenses for its women policyholders. In addition to this, they also offer newborn baby hospitalisation expenses within the sum insured amount of the insured mother.

  • Who should buy a Cholamandalam MS maternity health insurance plan?

    Women and couples planning to start a family soon should buy Chola MS maternity health insurance policy.

  • Can I change the sum assured during Cholamandalam MS maternity health insurance tenure?

    If you want to change the sum insured of your Cholamandalam MS maternity health insurance policy, make sure you do so at the time of policy renewal and not during the policy tenure.

  • What is the advantage of the Cholamandalam MS maternity health insurance plan?

    One of the key advantages of Cholamandalam MS maternity health insurance policy, Healthline Policy is that it provides cover for maternity expenses up to Rs. 1 Lakh per delivery. What’s best is that the policy also covers newborn baby expenses. Other than the same, the prime advantages of the policy are sum insured up to Rs. 25 Lakh, cashless facility at 8000+ network hospitals, lifelong renewability, long-term plan purchase discount, quick and easy claim settlement, cumulative bonus, 10% discount on premium for the insured individual from Tier 2 locations, and more.

  • What does the Cholamandalam MS maternity health insurance plan cover?

    Healthline Policy, the ultimate Cholamandalam MS maternity plan provides cover for maternity expenses, newborn baby expenses as well as child hospitalization allowance per hospitalization. In-patient hospitalisation expenses, pre & post hospitalisation expenses, 141 day care expenses, organ donor hospitalisation, emergency ambulance expenses, cumulative bonus, domiciliary hospitalisation expenses, AYUSH coverage, health checkup expenses are some of the prime coverage benefits offered under the plan.

  • Does Cholamandalam MS maternity health insurance policy offer tax deductions?

    Yes! Under Section 80D of the Income Tax Act, 1961, a policyholder of Chola MS maternity insurance plan can avail tax benefits for the premium paid.

Parents

  • What is the maximum entry age of parents under the Cholamandalam MS plans?

    The parents up to the age of 65 years can be covered under the plans of Cholamandalam MS with lifelong renewability option.

  • What are the plans of Cholamandalam MS under which I can get my parents covered?

    The Cholamandalam MS offers different health insurance plans under which you can find the coverage for your parents such as Chola Healthline, Chola Critical Health, and Chola Hospital Cash Healthline.

  • Do my parents need to go through any pre-policy medical checkup to get covered under a plan?

    Different plans have different criteria regarding pre-policy medical checkup. Under the Cholamandalam MS Healthline Plan, only people above 45 years of age are required to go through a pre-medical checkup, while under Chola MS Critical Healthline people above 55 years are required to go through the medical tests for seeking the health insurance plan.

  • Who should buy Cholamandalam MS parents health insurance plan?

    People below 65 years of age are eligible for buying Cholamandalam MS parents health insurance policy Healthline to secure themselves financially during an unexpected medical emergency situation. In case of a critical illness, Chola Critical Health would be a better choice.

  • Can I change the sum assured during Cholamandalam MS parents health insurance tenure?

    If you have the Cholamandalam MS parents health insurance plan and you want to change the sum insured amount, it is advisable to do so at the time of policy renewal rather than during the policy tenure so that your request is not rejected by the insurer.

  • What is the advantage of the Cholamandalam MS parents health insurance plan?

    Sum insured options up to Rs. 25 Lakh, cashless facility, huge list of network hospital to avail medical benefits, lifelong renewability, discount on long-term plan purchase, cumulative bonus, health checkup expenses, 10% discount on premium for insured individual from Tier 2 locations, grace period of 30 days, and 15 days free look period are some of the prime advantages of parents health insurance from Cholamandalam MS.

  • What does Cholamandalam MS parents health insurance plan cover?

    Cholamandalam MS parents health insurance provides cover for a list of features. Some of the vital expensed covered under the policy include in-patient hospitalisation expenses, pre & post hospitalisation expenses, domiciliary hospitalisation expenses, 141 day care expenses, emergency ambulance expenses, cumulative bonus, organ donor hospitalisation, AYUSH coverage, health checkup expenses as per the variant extended hospitalization allowance, double sum insured for critical illness & accidents, etc.

  • Does Cholamandalam MS parents health insurance policy offer tax deductions?

    Yes! Under Cholamandalam MS parents health insurance, a policyholder can gain tax benefits as per Section 80D of the Income Tax Act, 1961.

Plan Coverage

  • Are domiciliary hospitalisation expenses covered under the health insurance plans by Cholamandalam MS?

    Yes, domiciliary hospitalisation expenses are covered for a maximum of 7 days for each insured person in every policy year.

  • Are pre-hospitalisation and post-hospitalisation expenses covered under the Cholamandalam MS health insurance plan?

    Yes, pre-hospitalisation and and post-hospitalisation expenses for 30 and 60 days are covered under the Chola Value Healthline Plan. On the other hand, under other policies of Chola Healthline, the pre and post hospitalisation expenses are covered for 60 and 90 days.

  • Can I expect the coverage for Ayush treatments and procedures under Cholamandalam MS health insurance plans?

    Yes, Cholamandalam MS gives the coverage for Ayush treatments and procedures under several plans, where admission in the hospital doesn’t exceed more than 24 hours.

Portability

  • Does Cholamandalam MS provide the feature of portability?

    Yes, Cholamandalam MS offers the portability option to its customers. With the help of this feature, if you are holding a health insurance plan of any other insurer, either on an individual or a family floater basis, you can easily port your plan into a plan of Cholamandalam MS as per the IRDA norms, without losing any benefit in continuity.

  • What parameter is followed to execute the portability process?

    Cholamandalam MS complies with the guidelines of the IRDA to process the feature of portability.

  • At what time, I can choose the option of portability?

    You can avail the portability feature only at the time of renewal and not any other time.

Premium

  • What is the minimum premium amount of Cholamandalam MS health insurance plans?

    The starting premium amount of Cholamandalam MS health insurance plans is Rs. 2,011* per year. *The premium amount is subject to change from time-to-time.

  • What is the premium up to which I can avail the tax benefits under Cholamandalam MS health insurance plans?

    Generally, the premium amount of up to Rs. 25,000 are eligible for tax benefit under Section 80D of the Income Tax Act 1961. However, if an individual buys a policy for a senior citizen, then tax benefits can be applied up to Rs. 30,000 and can reach to Rs. 50,000 premium amount if a senior citizen purchases a health insurance plan for self.

  • What are the basic elements that determine the premium value of Cholamandalam MS health insurance plans?

    Factors which determine the value of premium of Cholamandalam MS plans are as follows:

    • Gender
    • Sum insured
    • Policy term
    • Age of insured
    • Medical history
    • Number of members

  • Does Cholamandalam MS offer any discount on the premium amount to its customers?

    Yes, Cholamandalam MS health insurance firm provides different types of discounts to its policyholders such as:

    • Discount on long term policy purchase such as 6% on a 2-year policy and 12% on a 3-year policy
    • Floater Premium discount based on the age of a senior-most member of the family
    • Discount based on the location, where insured individuals from Tier 2 cities are eligible to gain a discount of 10% on the premium

  • How can I pay for my Cholamandalam MS health insurance policies premiums?

    You can pay the premiums of Cholamandalam MS plans in different modes such as cash, cheque, credit or debit cards or through digital payment gateways.

Senior Citizen

  • Does Chola MS offer any specific senior citizen health insurance plan?

    No. Cholamandalam MS doesn’t offer any special health plan for the senior citizen but they can easily be covered under the Healthline Health Insurance Plan.

  • Does senior citizens need to go through any pre-medical test for getting covered?

    Yes, people above the age of 45 years and 55 years are required to go through pre-medical tests to get covered under Chola Healthline and Chola Critical Healthline plans respectively.

  • What is the maximum limit of premium up to which senior citizens can avail the tax benefits?

    The maximum limit is Rs. 50,000 up to which senior citizens are waived off from tax.

  • Who should buy Cholamandalam MS senior citizen health insurance plan?

    Senior citizens below the age of 65 years must get themselves covered under Cholamandalam MS senior citizen health insurance policy so as to secure their finances against unexpected medical emergencies. If the senior citizen has a risk for critical illness, buying Chola Critical Health would be better.

  • Can I change the sum assured during Cholamandalam MS senior citizen health insurance tenure?

    No, you cannot! Health insurance companies do not allow any sum insured change during the policy tenure. So, if you want to change the sum insured amount of your Cholamandalam MS senior citizen health insurance, it would be best to do so at the time of policy renewal.

  • What is the advantage of the Cholamandalam MS senior citizen health insurance plan?

    Some of the key advantages of Cholamandalam MS senior citizen health insurance plan include vast sum insured range up to Rs. 25 Lakh, cashless facility, huge list of network hospital to avail medical benefits, a grace period of 30 days, 15 days free look period, lifelong renewability, discount on long-term plan purchase, cumulative bonus, health checkup expenses, 10% discount on premium for insured individual from Tier 2 locations, etc.

  • What does Cholamandalam MS senior citizen health insurance plan cover?

    Cholamandalam MS senior citizen health insurance, Healthline Policy provides cover for in-patient hospitalisation expenses, pre & post hospitalisation expenses, domiciliary hospitalisation expenses, emergency ambulance expenses, organ donor hospitalisation, AYUSH coverage, cumulative bonus, 141-day care expenses, extended hospitalization allowance, double sum insured for critical illness & accidents, health checkup expenses as per the variant and more.

  • Does Cholamandalam MS senior citizen health insurance policy offer tax deductions?

    Yes, a Chola MS senior citizen health insurance policyholder can avail tax benefits according to Section 80D of the Income Tax Act, 1961 for the premium paid.

Tax Benefit

  • Can I avail any tax benefit with the health insurance plan by Chola MS?

    Yes, you can gain the tax benefits as per Section 80D of the Income Tax Act. Taxpayers are eligible for an annual deduction of Rs. 25,000 from taxable income for making the payment of health insurance premium for self and dependents. This deduction increases to Rs. 30,000 in the case of payment made for senior citizens.

  • What is the maximum limit of premium up to which senior citizens can avail the tax benefits?

    The maximum limit is Rs. 50,000 up to which senior citizens are waived off from tax.

  • What mode of payment should I use to avail the tax benefit on the premium of Cholamandalam MS health plans?

    To avail the tax benefit on the premium of Cholamandalam MS health plans, the policyholders have to make the payment of their premium through any mode other than cash.

Top-up

  • Does Cholamandalam MS offer any super top-up specific plan for its customers?

    Yes, Cholamandalam MS provides a super top-up health insurance policy named as Chola Super Top-up Insurance Plan.

  • What are the sum insured options available under the super top-up policy provided by the Cholamandalam MS?

    The sum insured amount of Chola Super Top-up Insurance Plan ranges from Rs. 3 lakh to Rs. 25 lakh.

  • What are the deductible options available under Chola Super Top-up Insurance Plan?

    The deductible amount ranges between Rs. 1 lakh and Rs. 20 lakh under the Chola Super Top-up Insurance Plan.

  • Does Cholamandalam MS offer any top-up plan to its customers?

    Yes, Chola MS offer a top-up policy to its customers with the name of Chola Top-up Healthline.

  • What are the sum insured and deductible options available under top-up plan of Cholamandalam MS?

    The sum insured amount ranges from Rs. 50,000 to Rs. 15 lakh, and the deductibles range from Rs. 30,000 to Rs. 5 lakh under top-up plan of Cholamandalam MS.

Woman

  • Does any plan by Cholamandalam MS cover the newborn baby hospitalisation expenses with maternity expenses?

    Yes, the Privilege plan of Cholamandalam MS provides the coverage of maternity expenses for its women policyholders. In addition to this, they also offer newborn baby hospitalisation expenses within the sum insured amount of the insured mother.

  • What is the maximum age limit for women to get enrolled in the Cholamandalam MS plan?

    Cholamandalam MS allow the entry of women till 65 years of age with the lifelong renewability option.

  • Can a woman policyholder opt for a specialist opinion regarding critical illness?

    Yes, women are provided with an option of specialist opinion for any listed critical illness under Cholamandalam MS plan.

  • Who should buy a Cholamandalam MS woman health insurance plan?

    Parents looking forward to safeguarding the health of their dependent children without losing their financial stability should buy kids health insurance, the Healthline Policy from Cholamandalam MS.

  • Can I change the sum assured during Cholamandalam MS woman health insurance tenure?

    If you want to make any change to your Chola MS woman health insurance policy, it is advisable to request the same during the time of policy renewal and not during the policy tenure.

  • What is the advantage of the Cholamandalam MS woman health insurance plan?

    Comprehensive cover, sum insured up to Rs. 25 Lakh, lifelong renewability, cashless facility at 8000+ network hospitals, hassle-free claim settlement, long-term plan purchase discount, 10% discount on premium for insured individual from Tier 2 locations, cumulative bonus, cover for maternity expenses along with newborn baby cover are some of the major advantages of the plan.

  • What does the Cholamandalam MS woman health insurance plan cover?

    Cholamandalam MS woman health insurance policy offers coverage for maternity expenses, newborn baby expenses as well as child hospitalization allowance per hospitalization. Other features covered under the plan include in-patient hospitalisation expenses, pre & post hospitalisation expenses, bonus, organ donor hospitalisation, domiciliary hospitalisation expenses, 141 day care expenses, emergency ambulance expenses, cumulative AYUSH coverage, health checkup expenses and more.

  • Does Cholamandalam MS woman health insurance policy offer tax deductions?

    Yes! A policyholder with having a Cholamandalam MS woman health insurance policy is eligible for tax benefits as per Section 80D of the Income Tax Act, 1961. a

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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Claim Process at Cholamandalam MS Health Insurance

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  • 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.
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    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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*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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