Cholamandalam MS Super Top-up Health Insurance

Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 95% |
COVID-19 Cover | Yes |
Network Hospitals | 8,000+ |
Policies Sold | 1,03,232 |
Renewability | Lifelong |
About Cholamandalam MS Super Top-up Health Insurance
Chola Super Topup Insurance Policy is a comprehensive Top Up Plan, which offers the insurance cover to meet the rising medical costs on an individual Sum Insured basis or floater Sum Insured basis. The plan is designed to provide additional protection at reasonable rates. Under this plan, the claim reimbursement is offered up to the Sum Insured amount in excess of the deductible amount. The deductible can be understood as an amount up to which the insurer is not liable to pay for all the claims incurred in a policy year as per the plan.
The deductible doesn’t decrease the Sum Insured and apply over the aggregate of all sorts of admissible claims counted under the plan per year by an insured person under an individual cover or family floater cover. This plan offers two plans such as Premier Plan and Supreme Plan, with an extensive range of the Sum Insured and deductible options to suit and meet the requirements of the insurer. The plan offers coverage to people from the age of 3 months to 70 years without requiring any medical check-up up to 55 years of age and offers the lifelong renewability option.
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Key Inclusions and Exclusions of the Plan
What's Included
- Pre and post hospitalisation expenses
- Lifelong renewability option is available
- No medical check-up up to 55 years of age
- Cover available for non-allopathic treatment
- Coverage for inpatient hospitalisation charges
What's Not Included
- Injury occurred due to self-destructive acts
- Unproven or experimental treatment charges
- Expenses incurred on weight control programs
- Cost incurred on the treatment of HIV, AIDS etc.
- Treatment of congenital anomaly/illness/condition
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Cholamandalam MS Super Top-up Insurance Plan Expert Review
Expert Review
Chola Super Topup Insurance is one of the most reliable super top up plans available in the health insurance market. Specifically designed to provide enhanced protection, the policy is an aggregate top up plan that lets you manage your high medical expenses without letting your savings go down the drain. If your online search for an affordable super top up plan has led you to Chola Super Topup Insurance, rest assured the investment would be worthwhile.
When it comes to eligibility age, the range starts from 3 months and goes up to 70 years. Easily available on individual and floater sum insured basis, Chola Super Topup Insurance can be purchased for a period of 1 year, 2 years, or 3 years. The policy features claim reimbursement up to the sum insured in excess of deductible. Moreover, Chola Super Topup Insurance provides two different plans with vast sum insured and deductible options to cater to one’s diverse needs. Through its Premier and Supreme plans, Chola Super Topup Insurance covers a sum insured range of Rs. 3 Lakh to Rs. 25 Lakh.
Major Attractions
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
What’s More?
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
Conclusion
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.

Cholamandalam MS Super Top-up Insurance Plan Brochure
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- PDF Document
- Aug 02, 2019
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FAQs on Super Top-up Insurance Plan Health Insurance Plan
What is the age criteria to get covered under Chola Super Topup Insurance Policy?
The plan offers a relaxed entry age from 3 months to 70 years. However, the proposer should be at least 18 years of age to purchase this policy. Also, there exists no maximum cover-ceasing age for kids under the plan.
What are the Sum insured options available under Chola Super Topup Insurance Policy?
The super top-up plan comprises a wide range of Sum insured options that range from Rs. 3 Lakh to Rs. 25 Lakh.
Does Chola Super Topup Insurance Policy offer the option of lifelong renewability?
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.
Can I get my discount on the purchase of this Chola Super Topup Insurance Policy?
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.
How many daycare procedures are covered under the Chola Super Topup Insurance Plan?
The coverage is available for 141 daycare procedures listed in the policy, where hospitalisation of fewer than 24 hours is needed.
Does this Chola Super Topup Insurance Policy hold any variants under it?
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.
Is this super top-up plan provides the coverage for Ayush treatments?
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.
How many hospitals provide the cashless facility for this plan?
The cashless facility for Chola Super Topup Insurance Policy is available at 7,000+ network hospitals across the country.
Does the Chola Super Topup Insurance Policy provide the coverage for pre and post hospitalisation?
Yes, the plan provides the coverage for pre and post hospitalisation for 60 days and 90 days respectively, only under the variant called Supreme.
Can I earn any tax benefit if I buy the Chola Super Topup Insurance Policy?
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.