Cholamandalam MS Health Insurance FAQs

Cholamandalam MS Health Insurance

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Highlights

8,000+ Network Hospitals

1,03,232 Policies Issued

35% Incurred Claim Ratio

Lifelong Renewability

50.01% Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

Claim Settlement

  • What is the claim settlement ratio of Cholamandalam MS General Insurance Company?

    The Claim Settlement Ratio of Cholamandalam MS General Insurance Company is 48.53%.

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

    To seek cashless facility in the network hospital of Chola 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 Chola MS plan?

    If you need any claim-related help, you can call Chola 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 1800-120-5698. 

  • 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

Critical Illness

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

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

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

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

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

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

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

    The critical illness plan of Chola 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 to Aorta and so on

Family Floater

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

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

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

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

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

    Yes. Chola 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 Chola MS?

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

Feature

  • Are expenses related to domiciliary hospitalisation covered under the Chola 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 Chola 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 SI.

  • 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.

General Information

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

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

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

    Yes, under a few plans by Chola 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.

  • 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 Chola 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 1800-120-5698.

  • Why should I purchase Chola MS Health Insurance?

    Chola 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

  • Is any free look period option available under the individual policy of Chola 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 Chola MS offer the health checkup expenses to individuals owning an individual plan?

    Yes, under three plans of Chola 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. 

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

    Chola MS offers the sum insured amount for individuals from Rs. 1 Lakh to Rs. 25 Lakh.

Kids

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

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

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

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

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

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

Maternity

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

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

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

    Chola MS offers the maternity expenses up to Rs. 1 Lakh per delivery. 

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

    Yes, the Privilege plan of Chola 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. 

Parents

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

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

  • 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 Chola 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.

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

    The Chola 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.

Plan Coverage

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

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

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

    Yes, pre 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 Chola MS health insurance plans?

    Yes, Chola 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 Chola MS provide the feature of portability?

    Yes, Chola 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 Chola MS as per the IRDA norms, without losing any benefit in continuity.

  • What parameter is followed to execute the portability process?

    Chola 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 premium up to which I can avail the tax benefits under Chola 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.

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

    Yes, Chola 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

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

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

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

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

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

     

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

    You can pay the premiums of Chola 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. 

Tax Benefit

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

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

  • 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. 

Top-up

  • What are the deductible options available under Chola Super Topup Insurance Plan?

    The deductible amount ranges between Rs. 1 Lakh and Rs. 20 Lakh under the Chola Super Topup Insurance Plan.

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

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

  • Does Chola 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 Chola 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 Chola MS.

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

    The sum insured amount of Chola Super Topup Insurance Plan ranges from Rs. 3 Lakh to Rs. 25 Lakh.

Woman

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

    Chola 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 Chola MS plan. 

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

    Yes, the Privilege plan of Chola 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. 

Cholamandalam MS Health Insurance Plan List

Name of PlanSum Insured
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
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

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

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.

Cholamandalam MS Health Insurance User Reviews

  • Good option

    Arogya Sanjeevani Policy, Chola MS is a good option for people looking for an affordable health insurance plan. It is an indemnity based plan that cov...

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    R
    Rahul Jaiswal
    On: Jun 17, 2020 | Views
  • Suitable plan for everyone

    I chose Arogya Sanjeevani Policy, Chola MS because it is an economic plan. Also, when I compared it with other health insurance plans in the market, I...

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    Y
    Yamini Sharma
    On: Jun 16, 2020 | Views
  • Must buy

    This is an affordable indemnity plan that covers all my health insurance requirements. It has all the necessary features that I wanted my family to be...

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    D
    Deepanksha Arora
    On: Jun 15, 2020 | Views
  • Nice job done by InsuranceDekho

    InsuranceDekho offers me the best services always. This is the second time I purchased a health insurance plan and it was a great experience. The best...

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    J
    Jyoti Chopra
    On: Jun 14, 2020 | Views
  • Buy from InsuranceDekho

    I chose InsuranceDekho for my health insurance needs after reading reviews from satisfied customers online. The buying process was smooth and the team...

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    R
    Raunak Grover
    On: Jun 13, 2020 | Views
  • Added coverage

    I already had a health insurance plan and bought Chola MS Super Top up insurance plan for added coverage. It is a good plan and one can buy it apart f...

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    N
    Nitesh Rajput
    On: Jun 04, 2020 | Views
  • Best experience ever

    InsuranceDekho always provides me with the best products. I bought Cholamandalam Healthline policy from them at an affordable premium. I took the esti...

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    R
    Rishika Saluja
    On: Jun 02, 2020 | Views
  • Affordable premium.

    I bought a Healthline policy from Cholamandalam last week. I was happy to choose InsuranceDekho as the team helped me buy an affordable plan with many...

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    S
    Sanket Singh
    On: May 30, 2020 | Views
  • Best Health Policy

    I just got my family members health insured with Cholamandalam Healthline Policy 1 year ago. This policy covers double coverage for critical illnesses...

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    A
    Abhimanyu
    On: May 28, 2020 | Views
  • Used premium calculator

    To buy Cholamandlam’s Healthline policy, I used InsuranceDekho’s premium calculator. It was easy to use and helped me get an estimate of t...

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    J
    Jasmeet Hajelay
    On: May 26, 2020 | Views

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