Our pre hospitalisation and post hospitalisation package is unmatched by any other Health Insurance policy in India. Medical expenses incurred 60 days prior to hospitalisation are reimbursed. This is the longest time period offered by any Health Insurance Policy in India. Not just that, our health insurance gives you cash free hospitalisation in more than 1300 hospitals in India. Once discharged from hospital, the policy shall pay for medical expenses related to the hospitalization, for a period of 90 days after discharge. This is something unmatched by any other Health Insurance policy in India. Day Care Procedure: The policy covers over 141 minor surgeries that require less than 24 hours hospitalization under our Day Care Procedure. These surgeries ordinarily fall outside the scope of Health Insurance Policies available in the Indian market.  In addition- Cholamandalam Health Insurance policy ensures comprehensive coverage by offering value added features, at just a nominal increase in premium, like:

• General Health and Eye Examination: You will be reimbursed the expenses incurred for general health and eye examination.
• Hospital Daily Allowance: In addition to hospital expenses, a daily hospital allowance will be paid during the period of hospitalization.

Services offered by PHM include:

• Nationwide network of over 1300 Hospitals to avail cash-free service.
• Value-added services such as Medical Identity card to avail cash-free services at all network hospitals.
• Complete guidance on the hospitalisation procedure within the network of hospitals.
• 24-hour help-line service for instant information on any of the services that are offered.
• Hassle-free claim guidance & reimbursement of hospitalisation expenses.