Cholamandalam MS Super Top-up Health Insurance

Chola Super Topup Insurance, being the ideal super top up plan, saves you from unexpected financial burden at the time of a medical emergency. Right from room rent, boarding charges, and nursing expenses to hospitalisation expenses of the organ donor, Chola Super Topup Insurance covers all so that you can stay free from worries of any kind. What’s best is that the list doesn’t end here, but also includes -

• Additional protection at affordable price
• Broad range of sum insured and deductible options 
• Inpatient hospitalisation of more than 24 hours
• 60 days pre-hospitalisation expenses (Supreme plan)
• 90 days post-hospitalisation expenses (Supreme plan)
• Emergency ambulance expenses
• 141 day care procedures requiring hospitalization less than 24 hours
• Domiciliary hospitalisation 
• AYUSH coverage expenses

An excellent super top up option, whether in terms of premium or coverage, Chola Super Topup Insurance fits easily in every insured individual’s budget. Offering a series of benefits, the policy lets you focus on treatment and not worry about financial limits being crossed. Here are a few key elements that make the super top up policy of even more value -

• Guaranteed lifelong renewal
• Easy policy portability
• Grace period for policy renewal - 30 days
• Free look period -15 days from the date of receipt of policy
• Tax benefits under Section 80D of the Income Tax Act

All in all, Chola Super Topup Insurance leaves no stone unturned in saving your family from financial issues, owing to unexpected medical treatment. Having said that, if you fear lack of funds and interruption at the time of medical treatment, it is advisable to choose the offered super top up policy without giving it a second thought. 

If willing to purchase Chola Super Topup Insurance, make sure you prefer the online mode to allow quick policy issuance. As a matter of fact, InsuranceDekho, as an online platform will help you make an apt purchase and help with benefits including policy transparency, claim settlement support, policy portability, and others.

The super top-up plan comprises a wide range of Sum insured options that range from Rs. 3 Lakh to Rs. 25 Lakh.

Yes, the policy provides the option of lifelong renewability for its customers. Lifelong renewability is allowed provided that the premium of the plan is paid on/before the expiry date of the health insurance plan or not later than the grace period of 30 days after the expiry date.

Yes, Chola Super Top-up Insurance Policy provides the discount on the basis of two factors, which are the number of members covered and policy tenure. If the number of members covered is between 3-5, the discount offered will be 5%, for 6-7 members discount will be 7% and for covering more than 7 members that discount offered will be 10%. In addition to this, the 6% and 12% discount will be offered for choosing the policy tenure of 2 years and 3 years.

The coverage is available for 141 daycare procedures listed in the policy, where hospitalisation of fewer than 24 hours is needed.

Yes, the Chola Super Topup Insurance Policy comprises of two variants such as Premier Plan and Supreme Plan. Between both, the latter offers a little more benefits.

Yes, the plan will be paying for non-allopathic procedures and treatments, which require at least 24 hours of hospitalisation for accidental injury or any disease sustained by the insured individual up to the amount of Sum Insured in excess of the deductible. Also, the treatment must have been conducted in a Government healthcare facility or hospital or in any institute recognised by the government or affiliated by Quality Council of India or National Accreditation Board of Health. Payment under this feature will reduce the amount of Sum Insured.

The cashless facility for Chola Super Topup Insurance Policy is available at 7,000+ network hospitals across the country.

Yes, the plan provides the coverage for pre and post hospitalisation for 60 days and 90 days respectively, only under the variant called Supreme.

Yes, if you are making the payment through a cheque, you can avail the tax benefit according to the section 80D of the Income Tax Act.