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Health Insurance

Life throws challenges at us all the time. One way to ensure that you always come out on top is to opt for health insurance. The premiums are a small price to pay to ensure not only peace of mind but also financial support for a wide range of illnesses.

Why do we need medical insurance cover?

According to a World Bank report published in 2012, the out-of-pocket expenditure on health (percentage of private spending on health) stood at 87.0% in 2011. The only way to make sure that you aren't part of this staggering figure is to insure yourself and your loved ones. Whether there is a terminal or critical illness or if one meets with an accident, having health insurance ensures that you and your family aren't put through a huge financial burden.

What does Chola MS offer?

Chola Health Insurance is a comprehensive health cover that takes care of your expenses pertaining to Hospitalization/Domiciliary, so that you focus on healing rather than on financial worries. Hospitalization is covered under the following circumstances during the policy period:

  • Sudden illness /diseases /sickness.
  • Accident resulting from situations mentioned in the policy.
  • Surgery expenses of critical illness.

Individual health insurance in India can be availed by any individual resident between the ages of 18 to 65 to undergo treatment in India.

What are the features of the health insurance cover?

Here are the special elements of our medical insurance plan:

  • Double coverage for accidents and critical illness on selected health plans.
  • Domiciliary hospitalization
  • Lifetime coverage
  • Cashless hospitalization at 4300+ hospitals across India
  • Day-care procedures
  • Pre and post hospitalization expenses
  • 20 main critical illnesses covered (on selected health plans)
  • Unlimited room rent (on selected health plans)
  • Lifetime renewal
  • Tax benefit under section 80 (D)
  • 24x7 claim assistance and easy claim settlement

Why Choose Health Insurance by Chola MS?

Medical insurance from Chola MS provides you the following benefits:

  • Cashless treatment

    - We provide you a network of hospitals, where you can avail cashless treatment facilities.
  • Pre and post hospitalization

    - We pay for your pre and post hospitalization charges, up to 30 days prior to hospitalization & up to 60 days after discharge from hospital.
  • Ambulance charges

    - In case of any medical emergency, ambulance charges as listed in the policy shall be payable.
  • Cumulative Bonus

    - If you do not make any claims on your health cover in a particular year, you will be entitled for special benefits through an increment in the sum insured when you renew the policy the following year.
  • Free medical checkup

    - A history of no claims is rewarded with a free medical checkup.
  • Tax benefits

    - When you pay the premium for your health insurance policy, you are liable to get a tax rebate under section 80D of the Income Tax Act for a maximum value of Rs.15,000 for normal and Rs. 20,000 for senior citizens.
  • Co-payment

    - If you wish to reduce the premium amount, you can opt for voluntary deductibles mentioned in the policy. This means that some amount will be paid by the insured for any treatment undertaken, while the rest will be paid by the insurer.
  • Critical illness

    - cover We will pay the insured person the sum insured as a lump sum if the insured is diagnosed as suffering from a critical illness listed in the policy.

Chola MS offers hassle-free services so that you can buy and renew medical insurance online. So, register yourself for comprehensive health cover today and lead a tension free, healthy and long life.

Chola MS brings to you a range of health insurance and hospitalization products that are suitable for you and your family.

Chola Healthline  
Chola Healthline

Chola Healthline is a comprehensive Health Insurance Policy which provides coverage for medical expenses for families on a floating sum insured basis covering Self, Spouse and dependent children or on individual sum insured basis covering Self, Spouse, dependent children, dependent parents, parents-in-law and siblings.

This policy will reimburse you upto the Sum insured either on Individual Sum Insured basis or on floater Sum Insured basis in respect of medically necessary costs as detailed in the policy. The benefits will be available on Cashless or Reimbursement basis as applicable.

Chola Swasth Parivar  
Chola Swasth Parivar

Chola Swasth Parivar is an affordable health insurance plan with flexible coverage options that meet your family's healthcare needs. Apart from covering hospitalization expenses, the policy also offers a personal accident cover, ensuring dual protection for you and your family at economic premiums.

Tax Plus Healthline  
Tax Plus Healthline

While a primary health insurance plan can cover hospitalization expenses, additional medical expenses such as medicine bills and diagnostic tests can be heavy on your pockets.

Introducing Chola MS Tax Plus Healthline, a one-of-a-kind health policy that covers your hospitalization and non-hospitalization expenses (including OPD) i.e. your day-to-day medical expenses.

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Family Healthline  
Family Healthline
  • First time purchase allowed up to 65 years of age
  • No Medical check up till 55 years of age
  • Renewal of policy allowed till lifetime
  • 3 plans with a variety of benefits

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Individual Healthline  
Individual Healthline
  • First time purchase possible up to 65 years of age
  • No medical checkup till 55 years of age
  • Renewal of policy allowed till lifetime
  • 3 plans with a variety of benefits

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Top Up Healthline  
Top Up Healthline
  • Individual or floater sum insured up to Rs. 20 lacs
  • First time purchase allowed up to 65 years
  • Tenure options up to 3 years

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Critical Healthline  
Critical Healthline
  • First time purchase possible up to 65 years of age
  • Flexible Sum insured Rs3 Lakhs, Rs5 Lakhs, Rs10 Lakhs
  • Proof of expenses / hospitalization bills not required for claims
  • Income Tax exemption up to Rs20,000

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Hospital Cash  
Hospital Cash
  • First time purchase allowed upto 65 yrs of age
  • No Medical checkup till 55 yrs of age
  • Renewal of policy allowed till lifetime
  • 3 plans with a variety of benefits

IMPORTANT: Please ensure that your health insurance policies are renewed on or before the policy expiry date to ensure that you enjoy continuity benefits of renewal.

Chola Insurance Online General Insurance

Customers Reviews

Average Rating:
4.47
(Based on 15 ratings)
5 Star:
7
4 Star:
8
3 Star:
0
2 Star:
0
1 Star:
0

  • 12-Sep-2014
    Excellent facility providing by Chola MS. I am the customer from since 5 years and good facility to renew my insurance.

  • 04-Sep-2014
    Thanks for the great customer calling support provided by Chola MS while buying health policy online for the first time.

  • 30-Aug-2014
    Many thanks to Chola MS for settling my health insurance claim on time when I was hospitalized.

  • 28-Aug-2014
    I am very thankful to Chola MS for the support which was provided to me when I was hospitalized till the time I got discharged. Really it¿s timely help. Thanks

  • 18-Aug-2014
    I have been associated with Chola MS for health insurance since 2 years and I am very happy with the customer care services they provide.

  • 06-Aug-2014
    My wife recently had a medical emergency in the middle of the night. After a few misunderstandings with the hospital regarding the cashless claim, Chola support center was very easy to reach out to and offered full support at 3am as well. When it comes to health insurance, Chola MS is always there.

  • 30-Jul-2014
    I was recently admitted to a hospital after being diagnosed with malaria. With limited bank balance, I was still able to complete my treatment with the help of Chola¿s health insurance policy, which allowed me to avail cashless hospitalization. I felt Chola was there like my best friend, when I needed it the most.

  • 25-Jun-2014
    Very easy and quick guidance from Chola¿s team while buying health insurance services.

  • 13-Jun-2014
    I used health insurance services for the first time with Chola and it was a great experience for me. Thank you for solving my queries quickly.

  • 29-May-2014
    Really appreciate the easy process of getting a health policy and your friendly customer support. It really matters a lot to every customer.
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Profile of MR. S S GOPALARATHNAM

Mr. S S Gopalarathnam is the Managing Director of Cholamandalam MS General Insurance Company Limited (Chola MS).

He joined the Murugappa Group in 1979 as a Management Trainee and has been with the group for the past 30 years. Mr. Gopalarathnam has been with Chola MS as Chief Financial Officer since its inception, became President Operations in 2006 and took over as Managing Director and CEO in April 2008.

A graduate of commerce and a qualified FICWA from the Institute of Cost and Works Accountants of India, he has extensive training in the areas of strategy, finance and leadership.He has also recently undergone an Advanced Management Program at Harvard University, USA.

He was an active member of IRDA's Working Group responsible for revamping investment regulations in India, and a member of the Committee to revamp Motor Pool in India.

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