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Chola - Introduction to Chola Accident protection Content

Introduction to Chola Accident protection

An accident doesn't come thumping at your door. It can happen anywhere, anytime, and may bring about minor to major injuries. Chola Accident protection is a plan that can repay your medical costs, give compensation if there should be an occurrence of disability or death brought about by accidents. Chola Accident protection policy from Chola MS offers financial assistance in an accident leading to disability/death.

Chola - Why Choose Chola Accident protection Content

Why Choose Chola Accident protection?

Cover for treatment for any injuries/ illness caused by accidents
Coverage of transporting cost for mortal remains & performance of death ceremony
Weekly compensation for loss of earnings due to disability
Payment of fixed remuneration for broken bones/fracture due to an accident

Chola - Who can buy Chola Accident protection content

Who Can Buy Chola Accident Protection?

Many people feel that getting insurance is not a good investment, especially if you do not end up claiming your insurance during its policy period. Since you do not get back your premium once the policy has expired, people consider it to be a waste of their financial resources. However, insurance is a form of precaution.

If you are involved in an accident, Chola Accident protection plan will cover the expenses of that accident including medical bills, tuition fees, loss of income due to the accident and many more.

Keeping this in mind, all individuals should opt for Chola Accident protection, irrespective of their job or the amount of risk they are to suffer from an accident.

Chola - What does Chola Accident protection plan offer you Content

What does Chola Accident protection plan offer you

Accidental Death

In unfortunate events, accidents can result in the death of the insured or the policyholder. In this condition, the compensation or insurance claim is given to the nominee mentioned by the insured in the policy.

Permanent disability

When disabilities are caused due to accidents, either directly or indirectly, and continue to persist for at least 12 months following the accident, they are classified as permanent, and this makes them eligible to be covered under the Chola Accident protection cover offered.

Temporary disability

Temporary disabilities lasting for less than 12 months, and classified as such by the doctor or a healthcare professional, are also covered by the Chola Accident protection policy.

Education grant

If the person involved in the accident is a student or is the family of the insured and is currently pursuing education, their tuition fees and other education-related fees will be covered under the Chola Accident protection. The policy provides for the education cost of a maximum of 2 children up to the age of 23 years.

Age limit

For the Chola Accident protection policy offered, the insured should be at least 18 years of age and not older than 69 years of age. Dependent children in the family who are not yet earning their own income can also be included in the family plan of the insured, up to 25 years of age.

Coverage for the family

To include the entire family, you will have to purchase the personal accident family insurance plan. The plan covers yourself, your spouse, and two children.

Hospitalisation charges

Any hospitalisation due to an accident racks up a hefty hospital bill. These expenses can be reimbursed under the personal accident policy of Chola MS if there is a minimum period of 24-hour hospitalisation due to an injury caused within 7 days of the accident.

Transportation of mortal remains

In the unfortunate incident of the death of the insured, the insurance company provides reimbursement for the cost incurred for transportation of the mortal remains of the insured from the hospital to the residence before proceeding for cremation or burial.

Intentional injury

Any injury that is caused with the full knowledge and consciousness of the insured or the victim, and is not accidental in nature, cannot be covered by the personal accident policy. This includes any self-inflicted injury, any attempt to commit suicide, or any threats produced while sane or insane.

Uncontrollable acts

Certain acts of violence such as war, invasion, an act of a foreign enemy, civil war, rebellion, hostilities (whether war be declared or not), revolution, insurrection, mutiny, military or usurped power, seizure, capture, arrests, are not covered by the Chola Accident protection policy of Chola MS.

Royal members

Any accidents caused due to violent acts, restraints or detainment of all kings, princes, and people of whatsoever nation, condition or quality, is not covered by the Chola Accident protection policy.

Military activities

Any participation in military, naval, or air force operations, whether it is a military exercise, war game, or an actual engagement with a foreign or domestic enemy, falls under the category of military activities. Any injury incurred during such acts is not covered under the Chola MS personal accident policy.

Injuries attained while under the influence

Any injuries attained by the insured when he or she is under the influence of alcohol, drugs or any other substances are not considered and covered under the policy. The only exception is if the particular drug causing the influence has been prescribed by a physician.

Lack of sanity

If the policyholder suffers from any injury if he or she is classified as insane medically or psychologically, he cannot avail of the personal accident cover protection at Chola MS.

Injuries attained without a valid license

If an injury is obtained while the policyholder or the insured is driving a vehicle that does not have a valid license, he or she is not eligible to receive the cover of the Chola MS personal accident policy.

Chola - The benefits provided by Chola Accident protection Content

The benefits provided by Chola Accident protection

Chola Accident protection policy provides a wide range of benefits. Some of the key benefits of getting a personal accident cover are-

No Medical Test

Unlike most health insurance policies that require you to go through extensive medical tests, you can easily buy a personal accident cover from Chola MS without completing any medical tests. In special cases, we may ask for detailed medical tests.

100% customer service

Our customer service representatives are trained to handle all types of queries. Whether you're calling us in the middle of the night or during the day, our representative will calmly guide you through the process required for your situation.

Worldwide service

Chola MS provides personal accident cover that can be availed in many countries. Our policy documents a list of countries that we have access to, and in these countries, we will provide you with the excellent service and support you require.

Weekly compensation

If you're the breadwinner of the family and have lost your job or source of income as a result of a personal accident, our personal insurance cover provides weekly compensation. These will allow you to take care of your family's expenses and focus entirely on your recovery.

Tuition compensation

The tuition compensation provides monetary support for college and school students who are unable to attend college and keep up with the coursework due to the accident.

Alteration of residence or vehicle

Injuries can change a person's life. Severe injuries like partial and complete paralysis require a unique vehicle and residential accommodation. Modifying an existing home or vehicle to suit these new needs can become expensive. As an added benefit, Chola Accident protection provides monetary support for these new modifications.

Transportation compensation

At Chola MS, we understand that accidents can happen in any country and any city. And in such situations, a support system is necessary. Our Chola Accident protection policies cover expenses for transportation of family members or injured individuals in case of accidental death, severe injuries or permanent disability.

Online Renewal Process

To reduce hassle for all customers, all policyholders can renew their existing policies or upgrade their plans online. This is a simple, quick process that requires minimum documentation and can be completed from anywhere in the world.

Simple Claim process

Our claim process can be completed both online and offline, according to your convenience. Regardless of which process you initiate, we require minimal documentation. You can stay updated on the progress of your application online.

Chola - More to know about Chola Accident protection Content

More to know about Chola Accident protection

Several companies offer Chola Accident protection covers. In fact, this form of insurance is so commonly available that each company offers competitive policies, and you must carefully peruse the pros and cons of each before you make your decision. In this race of the best personal accident covers, Chola MS is steadily making its way towards the top.

Here are the reasons why you should consider Chola MS for yourChola Accident protection -

Family plan

If you are the sole breadwinner in your family, you are most likely aware of the extent to which your family depends on you financially. If anything happens to you, it not only prevents you from working but also stops the monthly earnings for the family, which are required to meet the expenditures. If the accident causes your early demise, your family is left reeling both emotionally and financially.

That is why the policy at Chola MS is perfect for securing not just your future but your family's financial security as well.

From the name of this policy, you would assume that it is a personal policy that only covers the medical expenses if the policyholder alone is involved in an accident. While that is true, the plan at Chola MS goes a step ahead and includes even the coverage of expenses if the family members of the policyholder are involved in the accident.

In other words, this Chola Accident protection is a family plan. You do not have to pay individual premiums with a separate sum insured for the family. All the members, including the spouse and children, fall under the same sum insured, with a single premium payment.

Another excellent advantage of the policy at Chola MS is that if you, as the policyholder, suffer an injury that permanently disables you or causes your untimely demise, your family will receive compensation under the insurance cover. The remuneration can either be given weekly, monthly, yearly or as a single lump sum, depending upon the convenience of the family members. If you lose your monthly income due to disability, the insurance policy also provides for treatment bills, medications, and other related expenditures for you and your family.

Therefore, with just one plan, you can secure both your and your family's health and safety.

Changes in lifestyle following accident and injury

When you suffer from an accident, every aspect of your life can change overnight. From the way you walk, to what you eat, from your work to your other daily activities, everything can change, depending upon the injuries you suffer in an accident.

For instance, if you get a fracture in the accident, depending upon the location of the injury, you will not be able to walk or write or use a computer for your work. If you require a wheelchair, you will not be able to climb stairs. If you live on a higher floor and cannot use a lift, you will be unable to do something as simple as leaving your house. If you have injured your leg, you will be unable to drive a car or ride a bike or motorcycle.

If your injury is temporary, you only need to allow them to heal before you can get back to your everyday activities. However, if you suffer from a more severe injury that permanently disables you, you may have to bring about several modifications in your life. This could be adding a sloping entrance to make it easier for you to enter your house on your own in a wheelchair. You may have to get a bigger car with more space, which makes it easier for you to move from your wheelchair to your car seat.

There are several other changes you may require, and each of these adds to your expenses. In addition to what you spend on your treatment and medicines, these extra costs also add to the financial burden. To ease this pressure, Chola MS offers a Chola Accident protection policy that covers the cost of these modifications as well. Any changes you may have to bring about to make life easier after your accident will be covered by the insurance policy.

If you are the only one who can drive in your family, it would be a problem if you are unable to do so due to an injury. If your recovery requires extended hospitalisation, your family will also have to travel every day to meet you. This adds to the already long list of expenditures. But fear not, for the personal accident policy also covers family transportation costs. At Chola MS, our aim is to make your life more comfortable financially.

Coverage of tuition fees

Consider a situation where you are a student and are involved in an accident. Your injuries may result in certain disabilities, which may be partial or complete, temporary or permanent. As a result of your injuries, you may not be able to attend school or college. In such a scenario, your policy will provide compensation towards the tuition fees.

In addition to your hospital bills, treatment, and medicine costs, your tuition fees further add to the expenditure following the accident. This can result in undue strain on your family to cover the costs. But with Chola MS, you can rest assured. Not only does the personal accident policy cover the medical cost, but it also provides reimbursement for the tuition fees. With this insurance cover, you can recover peacefully and continue your education in a stress-free and financially secure manner.

Coverage of funeral charges

If an accident results in the unfortunate early demise of the policyholder, the family has to not only adjust to this sudden loss of life emotionally but also have to make arrangements for the funeral and burial services. If the policyholder who passed away was the breadwinner of the family, this could add to the family's financial stress since even the funeral charges can be quite expensive.

In such a case, Chola MS's Chola Accident protection cover rushes to the rescue. The policy also covers the funeral charges and even the post-cremation charges, allowing the family to mourn the loss of a member without worrying about how much they will have to pay for the funeral. It also covers the cost of transportation for taking the body to the site of cremation or burial. Ambulance charges are also covered under this insurance cover.

At Chola MS, we value our customers' financial security and peace of mind equally.

Worldwide coverage

Accidents can occur at any time and any place without any warnings. You could be sitting comfortably at home or could be out vacationing in exotic cities. Accidents will turn up unannounced. Therefore, it is best to always be prepared to face any such situation head-on. As they say, prevention is better than cure.

While most personal accident policies can be availed of in any part of the country, the real benefit lies in their availability in other parts of the world. With Chola MS, your Chola Accident protection policy comes with worldwide coverage.

This means that you can claim insurance for your injuries, medical treatment, and other expenses from any part of the world, with no extra documentation or unnecessary procedures and formalities. You can now enjoy the safety and security of the Chola MS insurance even thousands of miles away from your home.

Customisable sum insured

Insurance companies have fixed plans in terms of the sum insured and premium charged. However, your needs and requirements may not get covered in these fixed plans. It may so happen that the sum insured is much higher than what you feel you will need or much lower. But since the personal accident cover is not customisable, you are forced to opt for the plan nearest to your original requirements.

But, with Chola MS, you no longer have to settle for the closest option. With our policies, you can customise and tailor your sum insured to suit your needs. Whether your requirement is Rs. 3 lakh or Rs. 25 lakh, you can choose your plan with your choice of the sum insured and premium charges. With Chola MS, create your own plans at your own convenience and comfort.

Double indemnity for an accident in public transport

Double indemnity means paying double the face amount of an insurance policy under certain conditions. At Chola MS, the Chola Accident protection policy provides double indemnity for any injury, impairment, or demise of the policyholder or their family members if the accident is caused due to or occurs while travelling in public transport. The insured gets double the face amount from the policy to cover the medical, legal, funeral, and other expenses incurred in the accident.

Excellent customer service

Customer service is one of the most important factors that determine how well a company performs. The customer support team can even be considered the face of the company. Keeping this in mind, Chola MS has formed an exceptionally wonderful customer service team that is available round the clock to answer any queries you may have.

If you have any issues with your current policy or wish to opt for add-ons or other coverages with your existing policy, the team can direct you to the advisors who will guide you thereafter. The customer service team is also available to make the process of insurance claims easier, smoother, and certified.

Standalone and add-on policies

Chola MS offers two types of personal accident policies - standalone covers and additional covers. Either you can opt for a policy that does not combine with your existing policy, or you can simply add personal accident cover as a rider to your existing life insurance.

The difference between the two lies in the premium charge and benefits. When you opt for a rider, you are extending your policy coverage. The premium for this is simply added to the existing one. Although the additional premium amount is on the lower side, the coverage is also not as extensive and comprehensive. Many directly related costs remain uncovered under this form of additional cover.

On the other hand, in a standalone policy, you are purchasing a separate sum insured, which means that you pay a premium for an entire policy instead of just one rider. While the premium rates increase, so does the coverage. All direct and indirect expenses related to the event get included in this policy. This could include lifestyle changes, worldwide coverages, medical bills and many more.

While the policy may seem more expensive, in the long run, it offers more benefits and advantages to both the policyholder and their family members.

Coverage of broken bones

The personal accident policy at Chola MS has excellent coverage under the basic policy itself, for broken bones and fractures. The coverage is so extensive and comprehensive that it pays back upto 100% of the sum insured for any injury to the vertebral body, which may result in permanent spinal cord damage. This is quite a serious condition as it can cause partial, complete, temporary or permanent disabilities to the person involved. The same coverage is available for pelvic fractures.

Similarly, different percentages of the sum insured are available for reimbursement, depending upon the type of fracture and the bones involved.

Chola - Make A Claim Accident Protection

How To Register A Claim

Firstly, once you or your family member are admitted, you will have to inform the hospital administration that the patient is a policyholder with Chola MS General Insurance
After this, you will have to produce your Chola MS insurance document along with the valid ID proof for verification and as proof of the policy.
Post verification of the policy details, the pre-authorization form will need to be submitted to Chola MS.
Chola MS will review the documents / information provided by the hospital and start processing the cashless approval keeping in mind the terms and conditions of the medical policy.
In some cases, Chola MS may hire a field doctor to conduct the authorization process at the hospital.
If eligible and approved for direct claim settlement, Chola MS will settle the claim with the hospital directly
The patient will provide their insurance documents to the hospital, if it is a network hospital, they will contact Chola MS and ask for approval.
If a direct claim is not approved, you will have to pay the hospital bill at the time.
After paying the bill, you will have to fill out a claim form available in Chola MS website or contact our toll free number 1800 208 5544 and submit all the relevant documents to Chola MS to claim a reimbursement within 30 days from the date of discharge. You can share them through customercare@cholams.murugappa.com
If your documents are in order, Chola MS will pay you the reimbursement amount.

Chola - (White)Modifying/Endorsing Your Insurance Details Content

Modifying/Endorsing your Insurance details

In case of change in name, address or any other details in the policy, you can contact Chola MS for endorsement request. The request will be raised and the same changes will be updated in the policy.

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Chola - Accident Protection FAQ Content

Accident Protection Frequently Asked Question

Q1: What is considered as an 'accident' under the personal accident cover?

According to the policy, an accident is an event that is unexpected, unintended, and sudden which can cause bodily harm or lead to physical disability or death. The severity of the accident is judged by the cost or by the extent of physical damage or injury a person can incur.

Q2: What is the age requirement for a Chola Accident protection policy?

Chola MS Chola Accident protection Policy is available for all adults over the age of 18 and under the age of 69. Minor children and dependents can claim coverage in the family plan. Adult children with no income can be covered under the policy up to the age of 25.

Q3: What is the Importance of Chola Accident protection?

Underneath references are a few focuses that make a personal accident cover an unquestionable requirement to have investment.

Death Coverage

In the event of the death of the insured, the policy dispenses compensation to the family. In case one has small kids, the insurer deals with their schooling. In case of the insured's passing, the insurance provider will offer a lump sum to the family to the degree of the total amount insured according to the terms and conditions of the policy.

Disability Coverage

An accident can prompt temporary or permanent disability. A person holding a personal accident policy can claim compensation for various types of disability. For any sort of disability or loss brought about, the insurer will pay the percentage of sum insured opted.

Hospitalisation Expenses

If there should arise an occurrence of an accident, the insurance provider deals with hospitalisation and medical treatment costs. It likewise covers different costs like repatriation charges, funeral expenses if there should arise regarding policyholders' death, and ambulance charges.

The Benefit of Home Alteration and Vehicle Modification

Suppose there should arise an occurrence of any disability which may render you bound to a wheelchair. In that case, you will require a vehicle to ship you with reasonable alterations according to your necessities. Thus, to ensure you travel with no stress, you can request that the insurer make up for such costs as well. Additionally, you may require changes in your home excessively, like setting up ramps. Your Chola Accident protection plan will offer such provision as well.

Family Transportation

The insurance company will repay the transportation expenses of the family as well. The costs caused in arriving at the accident spot or at the hospital is covered by the insurer.

To be ready for unforeseen circumstances like accidents, it is essential to have a Chola Accident protection policy. You can get one online at Chola MS in a couple of moments with no hassle.

Q4: Popular plans for Chola Accident protection?

Individual Personal Accident Plan: This is intended for individual policyholders. It covers death and short and long-term disability caused due to accidents.

Group Personal Accident: Under this plan, a single policy is issued, and it covers every one of the named members of the group. Registered groups purchase group insurance plans to get coverage for their members.

Q5: What are the additional policies for Chola Accident protection?

Vehicle modification - Any modifications required to the policyholder or the family's vehicle as a result of a permanent or temporary disability are covered by this policy add-on.

Residence modification - All the changes required in the interior and structure of the residence of the insured following an accident resulting in disabilities are covered by this wonderful add-on.

Travel expenses - All the travel expenses incurred towards visiting the injured person, whether the policyholder or a family member, is directly covered by this add-on.

Q6: What are the advantages of personal accident cover?

There are many different benefits of getting a personal accident cover at Chola MS General Insurance. Some of these include:

● You can be safe and prepared for an unlikely event. If an accident does happen, you will not have to worry about medical expenses or income for your family.

● In case the accident results in a loss of income, the cover can provide monetary support for a period.

● The plan also includes transportation compensation (national and international) in case of paralysis or fracture for the policyholder and a family member.

● The plan also provides reimbursement for college and school fees for a period if the student is unable to attend classes.

● The policy covers funeral costs and other similar expenses in case of accidental death.

● In case of disability, the policy provides cover for modification of house and vehicle according to the needs.

Q7: If I opt for a family plan, which family members will be covered under the policy?

Chola MS General Insurance provides personal accident family insurance plans. This plan covers the policyholder, their spouse, and children. Requirements of coverage under the family plan are:

● Children are protected up to the age of 25 if they do not have any income source.

● Two children can be insured under the family plan.

Q8: Can I get any tax benefit under this policy?

There is no tax benefit for Chola Accident protection policies.

Q9: What are the coverages for Chola Accident protection?

Vehicle modification - Any modifications required to the policyholder or the family's vehicle as a result of a permanent or temporary disability are covered by this policy add-on.

Residence modification - All the changes required in the interior and structure of the residence of the insured following an accident resulting in disabilities are covered by this wonderful add-on.

Travel expenses - All the travel expenses incurred towards visiting the injured person, whether the policyholder or a family member, is directly covered by this add-on.

Enhanced weekly compensation - A daily or weekly allowance can be provided to the policyholder or the family of the insured for any regular medical procedures or treatments with this policy.

Q10: Does a personal accident cover an accident if I have travelled to a war zone?

No. a Personal accident does not cover any injuries as a result of war. Nor does the policy provide any monetary support or assistance in case you have travelled to a war zone. Additionally, a cover cannot be granted if you are living in a war zone or a country with a war-like situation.

Q11: What is a permanent and temporary disability?

1. Permanent disability

Accidents can result in severe repercussions. One of these consequences comes in the form of permanent disabilities. These permanent disabilities can be divided into two categories - total and partial disabilities. When it comes to total disabilities, the injured are unable to carry out any of their normal daily activities.

The disability is so severe that they are unable to even earn a livelihood for themselves and their family. With a permanent disability, they may require constant assistance from another person or in the form of a walker or wheelchair.

On the contrary, a permanent partial disability does not completely prevent the injured from their normal life. Of course, their movements and activities may be limited to some extent, but they are not completely helpless. With some adjustments, they can even earn their livelihood and make a living. They may also move about and leave their house, albeit with some assistance.

At Chola MS, the insurance policy offers a 100% return of capital sum insured for permanent total disabilities, which includes loss of -

   ● The sight of both eyes

   ● Two entire hands or two entire feet

   ● One entire hand or one entire foot

   ● The sight of one eye and such loss of one entire hand or one entire foot

   ● Hearing of both ears and speech

   ● Hearing in both ears or complete loss of speech and loss of one limb or complete loss of sight of one eye

In permanent partial disabilities, the insurance policy only partially covers the sum insured for compensation. Some of the conditions that fall under this category and the percentage of principal sum covered include loss of-

   ● Hearing on both ears (60%)

   ● Hearing on one ear (30%)

   ● Speech (60%)

   ● Four fingers(35%)

   ● Four fingers and thumb of one hand (40%)

   ● Sense of smell (10%)

   ● The sight of one eye (50%)

   ● One hand (50%)

   ● One foot (50%)

2. Temporary disability

If the impairment lasts for less than 12 months or 52 weeks, it is classified as temporary disability, and the insured receives partial compensation depending upon the location and nature of the injury. Some examples of temporary disabilities include fractures of the arm or leg. Since such disabilities can cause temporary confinement of the insured, he or she also loses the ability to earn an income during this period. This expense is also covered by the personal accident policy.

To determine the extent of the injury and whether it is classified as a permanent or temporary disability, and whether it is a total or partial disability, a thorough medical examination is required. This is conducted by the hospital networks that the insurance company works with. All the expenses of the tests are covered by Chola MS, and the results are transparent and genuine. The company ensures that there is no foul play in the results, which can benefit the company wrongly.

Q12: What is the difference between permanent total disability, permanent partial disability and temporary total disability?

Permanent total disability means that an individual is unable to work or earn any income as a result of the injuries incurred during the accident. Permanent partial disability is the loss of function in one or more limbs. There is no chance of recovery in both cases, and the state or central government provides the individual with a disability certificate.

Temporary total disability means that the individual is unable to work or earn any income as a result of the injuries incurred during the accident. However, the individual will recover with appropriate medical care in a specified period.

Q13: What are the common terminologies in Chola Accident protection?

   ● Accident

Any act that is unforeseen, unpredictable and unexpected, and results in harm, injury, disability, or death of the persons involved is referred to as an accident. The accident could be a major one requiring hospitalisation or a minor one that can easily be treated at home.

   ● Accidental body injury

Any injury to the body that is caused as a result of an accident, either directly or indirectly, is referred to as accidental body injury. This could be as minor as a bruise caused due to an impact or as major as a collapsed lung or a broken bone caused due to a crushing injury.

   ● Accidental death benefit

This is an amount that is paid to the beneficiary if the policyholder or the originally insured person dies in the accident. The beneficiary must be decided at the time of the policy purchase and may be changed later on if required.

   ● Accident and health insurance

A policy that guarantees the policyholder and his/her ward against injury, sickness, or death from an accident. Policy coverage payment reimbursement of the accompanying expenses - visit to the specialist, medical procedures, medications, and so on.

   ● Accident and sickness insurance

A policy that guarantees against personal accident and sickness incorporates compensation for the duration of disability and reimbursement of medical expenses just for the condition referenced in the policy.

   ● Accident severity

Sums up the financial value of the misfortune brought about in an accident and is utilised to indicate the premium amount payable for accident insurance.

   ● Accidental means

This is a clause in the policy which necessitates the reason for injury/death of the insured to be accidental and non-deliberate. This clause diminishes fraudulent episodes.

   ● Allowable expense

An authorized cost is an amount billed for service by an in-network healthcare provider. This is generally less expensive than if you didn't have your health insurance.

   ● Actual total loss

A loss where the property, goods or vehicle are completely damaged. These cannot be recovered, repaired or salvaged in any way.

   ● Agent

An agent is a person who acts as a bridge between the insurance company and the policyholder. He communicates all the changes or updates in the policy and is answerable to both parties for any questions, doubts, or queries that arise in regards to the policy.

   ● Adverse selection

When people with higher health risks apply for and keep their health insurance coverage, this is known as adverse selection. When adverse selection rises, health insurance firms face higher costs and may hike premiums as a result.

   ● Age change

This is the day on which a person's age changes for insurance reasons. It's worth noting that this may not coincide with the person's actual birthday but rather fall somewhere in the middle. A change in age may cause a rise in rates.

   ● Ancillary fee

A fee added to the cost of acquiring prescription medicines that are not on a health insurance plan's formulary of approved prescriptions.

   ● Annual deductible

The amount you need to pay each year before your healthcare benefits plan starts to repay you. Preventive services are exempt from the deductible requirement.

   ● Bodily injury

Bodily injury alludes to any physical harm that you can be subjected to because of unanticipated, startling, rough, and visible means.

   ● Beneficiary

The beneficiary is an individual or element that has been named in the policy as the insurance benefit beneficiary on the occasion of the policyholder's death.

   ● Claim

A claim is a financial benefit you get from your health insurance policy during a healthcare emergency or hospitalisation.

   ● Claims team

The claims team at Chola MS is the claims administration team that handles the workings of the claim process at Chola MS. They are responsible for reimbursement to the policyholders, or for approving cashless claims. They also review the documents provided by the policyholder and determine whether to approve or reject a claim based on their policies.

   ● Claim settlement

The cycle of acquiring the claimed cash is claim settlement. The insurance supplier generally has two modes of claim settlement. The first is the reimbursement interaction, where you pay for the treatment and record for reimbursement of the expense at a later date. The other is a cashless claims measure, where the insurance company straightforwardly settles your medical bills with the organisation's hospital.

   ● Claim Settlement Ratio

The claim settlement ratio alludes to the segment of claims that an insurance supplier gets comfortable a year against the total number of claims it gets. Considering the claim settlement ratio is vital before picking your insurer, as it reveals whether your insurance supplier is probably going to settle claims quickly and lessen the danger of your claim being dismissed.

   ● Cumulative bonus

A cumulative bonus is a bonus your health insurance plan accumulates over progressive claim-free terms. For instance, if one-claim-free year brings about an increase of the sum insured connected to the plan by 5%, and you experience five progressive claim-free years straight, your accumulated bonus is 25%.

   ● Clause

A section or paragraph in an insurance policy that provides details, lists or conditions of the cover.

   ● Coverage

The scope of protection provided by a certain insurance policy. This includes a list of injuries, situations and accidents for which the insurance policy benefits will apply.

   ● Covered expenses

A list of medical, hospital, legal and other expenses covered under the insurance policy.

   ● Company

This policy represents Chola MS General Insurance.

   ● Deductible

This is the fixed amount of medical expenses that a policyholder needs to pay each year to effectively document a claim with the insurance supplier. Remember that deductible alludes to a fixed amount and not a percentage of the total expenses. Assume your deductible amount is Rs. 10,000 for every year. In such a case, you can just claim the policy benefits after you have paid Rs. 10,000, the deductible amount, at whatever year for your medical treatments.

   ● Dependents

Some health insurance plans don't confine coverage to the policyholder as it were. Instead, they stretch out the security to the policyholder's companion, kids, and, now and again, subordinate parents. These further individuals eligible for protection under the policy are known as wards.

   ● A Day / One Day

A period of 24 consecutive hours.

   ● Dental treatment

Any treatment which is related to the teeth, or structures that support it, such as the gums, is included in dental treatment. This includes basic examinations, fillings, crowns, root canals, extractions and other related surgeries.

   ● Date claim received

When your health plan receives the information for a claim, it is known as the date claim was received. Then they'll be able to start processing it. Typically, your provider must file the claim within 3 to 6 months after the date of your treatment.

   ● Date last worked (DLW)

If you have disability insurance and are injured at work, you may be required to provide your most recent date of employment. Before your accident, this was the final day you worked.

   ● Date of claim

You will be asked for the claim date if you have disability insurance and need to file a claim. This is the date on which you become disabled due to an injury. For example, the day you were hurt at work may coincide with the date you last worked.

   ● Emergency care

Any medical treatment required immediately because of unexpected crises falls under the domain of emergency care. Generally, such conditions include severe and genuine wounds or ailments, where delayed treatment can bring about complications or even death of the patient.

   ● Exclusions

Any disease, condition, or medical treatment that your insurance plan doesn't cover is recorded as the policy's exclusions. Do not neglect to check the exclusions while deciding on a health insurance policy. This rundown generally varies, starting with one insurance supplier then onto the next.

It means composed proof of the change to the insurance policy, including but not restricted to increase or decrease in the policy term, degree, and nature of the cover agreed by the company recorded as a hard copy.

   ● Eligible children

This term refers to all the children of the insured person who are dependent on the primary policyholder. They should be aged between 6 months to 18 years of age, upto 23 years of age if they are attending an accredited institution for higher learning. They must be unmarried and permanently reside with the policyholder or the insured individual.

   ● Excluded hospital

Any hospital that has been excluded or removed from the list of hospitals under the company is referred to as an excluded hospital. The exclusion could be due to a fraudulent incident or activity, moral hazards or misinterpretations on part of the hospital. Such an excluded hospital is removed from the network hospitals of Chola MS, and the treatment or investigations available there are not covered by the company or the insured person’s insurance policy.

   ● FIR

First Information Report made by police at the scene of the accident that documents all property damage and events involving third parties.

   ● Grace period

Grace period means the predetermined period immediately following the premium due date during which a payment can be made to restore or proceed with a policy in power without loss of continuance benefits like waiting periods and coverage of pre-existing diseases. Coverage isn't available for the period for which no premium is obtained.

   ● Group

A group should comprise people who amass a shared trait of direction or participate in a typical financial movement like employees of a company.

It incorporates non-employer-employee groups, similar to individuals from employee welfare association, holders of credit/debit cards gave by a particular company, customers of a specific business where protection may likewise be offered as an extra advantage, borrowers of a bank/financial organisations/co-employable social orders, proficient affiliations or societies.

   ● Hospital

Any institution, daycare centre or medical facility for in-person care and treatment of illnesses and injuries. It needs to be registered with the local authorities under Clinical Establishment Registration and Regulations Act, 2010.

   ● Hospitalisation

Admission to any medical facility or hospital for a minimum of 24 consecutive hours for a specific treatment, procedure or care.

   ● Health insurance

Any health insurance plan that offers financial assistance to a solitary individual on the occasion of medical crises is an individual health insurance policy.

   ● In patient care

An in-patient is defined as a person who is required to stay in the hospital for more than 24 hours in order to receive a particular treatment. They have to register themselves with the hospital and also provide information for admission. Once they are admitted, they are considered as in-patients and the policy coverage is provided accordingly.

   ● Immediate Family/ Immediate Family Member

It includes the Insured Person's spouse, children, children-in-law, siblings, siblings-in-law, parents, parents-in-law, grandparents, grandchildren, legal guardian, ward; step or adoptive children; step-parents; aunts, uncles; nieces, and nephews who live in the very same country as the Insured Person.

   ● Inception date

The inception date is mentioned in the policy schedule and refers to the date from which the coverage under the policy is activated and the time period from when it can be availed. It is also known as the commencement date of the policy. Following the inception date, a policyholder can avail of the coverage that the Chola Accident protection provides.

   ● Medical practitioner

A medical practitioner is an individual who holds a license which is valid and approved by the medical council of any state or of the country. With this license, the individual can practice medicine within its jurisdiction, and can act within the scope and jurisdiction of the license. However, this registered medical practitioner must not be the insured themselves or any close relative or family member of the insured.

   ● Medical expense insurance

Sort of health insurance plan giving benefits to consumptions brought about for medical care; this sort of insurance offers benefits for physician use, nursing, hospital, and other related administrations and supplies; these benefits are associated with actual expenses, explicit amounts, or delivered administrations; this sort of policy may now and again incorporate benefits for forestalling and diagnosing and the treatment

   ● Medical payment insurance

Cover available in various liability insurance plans where the insurance supplier agrees to reimburse the insured and others regardless of the insured's liability for the funeral or medical expenses brought about because of bodily injury or accidental death under explicit conditions

   ● Miscellaneous expenses

Expenditures related to hospital insurance, charges (barring room charges), and board like X-ray, medications, lab expenses, and other ancillary charges

   ● Miscellaneous hospital expenses benefit

Provision in hospital expense plan offering payment of benefit for uses for required hospital administrations and supplies during the period of repression; generally covered expenses incorporate x-rays, lab tests, drugs, anaesthetics, surgical dressings, and utilising the operation theatre.

   ● MLC

Medico-legal certificate issued by the doctor details all the injuries incurred by the individual as a result of the accident.

   ● Non-network

Any hospital, daycare centre or medical practitioner that is not affiliated with Chola MS General Insurance.

   ● No Claim Bonus (NCB)

Reduction as a percent in the manual or plan premium while restoring the policy relying upon favourable claim insight during the earlier year or strategies for the same insured property against the same dangers

   ● No claim refund

Part of the agreed premium in the policy that should be refunded to the insured in case of no claim being paid or revealed in the whole policy duration; customary for insurance companies to interface it with the policy renewal for guaranteeing renewal without gaps.

   ● No cure, no pay

Terminology utilised with relation to salvage operations of cargo or vessel in trouble; salvage award payable to the saver in on No cure No pay basis meaning s/he is qualified for getting the reward just when and if the property is salvaged; recovery agents seeking after recoveries from carriers to handle given assignments offered by insurance suppliers on this basis where claim expense when some amount is recovered from carriers.

   ● Nominee

Institution, firm, or individual referenced in accident insurance plans to be the beneficiary of the benefits in the event of death of the insured because of an accident

   ● OPD treatment

OPD stands for outpatient department. When a person visits any clinic or hospital for a consultation, for the treatment and diagnosis of a particular health issue, it is referred to as an OPD treatment. The person does not have to be admitted to the hospital and he or she is not considered as an inpatient or a daycare patient.

   ● Premium

The amount that must be paid regularly for your health insurance or plan. It's typically paid monthly, quarterly, or annually by you and your employer. It's possible that the premium isn't the sole cost of insurance coverage. In addition to your premium, you will usually have to pay a copayment or deductible.

   ● Partial

Partial simply means anything less than total.

   ● Permanent disablement

Permanent and total disablement means a disability that delivers the insured unable to work deep-rooted. These disabilities cover loss of both hands, both legs, loss of sight in both eyes, loss of hearing in both ears.

   ● Permanent partial disablement

This means a permanent partial disability, for instance, deficiency of one hand and one leg, loss of vision in one eye, loss of hearing in one ear, and so on.

   ● Paid losses

The total amount paid by the insurance company as compensation for losses or damages during a specified period.

   ● Pre-hospitalisation medical expenses

Any medical expenses incurred before the individual is hospitalised. These will be compensated only if they are related to the hospitalisation, and the claim for hospitalisation is accepted by the company.

   ● Post-hospitalization medical expenses

Any medical expenses incurred after the individual is discharged from the hospital. The compensation will be provided only if these expenses are related to the hospitalisation and if the claim is accepted.

   ● Professional Sports

Any sports which would provide towards 50% or more of an individual's annual income.

   ● Quarrels and Arbitration

The arbitration clause defines the mechanism and policy for settling any disputes and quarrels between parties during re-insurance.

   ● Qualified Nurse

A person with a certificate recognised by the nursing council and now works with a qualified medical practitioner.

   ● Renewal

Continuance of the cover under an insurance policy beyond the original term through the acceptance of the premium for the new policy structure by the insurance company

   ● Short term coverage

An insurance policy with a below-average coverage period.

   ● Time-limit

The time during which the policyholder or insured should file a claim after the occurrence of the event.

   ● Third-Party

The claimant under liability policy; because the individual making a claim isn't among the insured or the insurance supplier, a third-party claim is a demand made by any individual against the policyholder of another company and payment that the company will make.

   ● Temporary total disablement

This is the point at which you are disabled, but the disability is temporary, for instance, when you endure fractures or are advised to finish bed rest after an accident

   ● Underinsured

An insurance policy with an inadequate sum insured or cover. This can cause complications during the claim process.

Q1: How is the sum insured determined?

Chola MS General Insurance aims to provide adequate coverage for all policyholders. The sum insured is determined based on the age of the policyholder, their annual income and the nature of their occupation.

Q1: Which documents am I required to submit for a death claim?

To file a death claim with Chola MS, you are required to submit the following documents:

   ● Duly filled claim form

   ● Original insurance policy

   ● Original death certificate

   ● Post-mortem report

   ● Accident report

   ● FIR/MLC copy

   ● Hospital Records

   ● Original hospital bills, medical prescriptions and test reports (including doctor's records requesting specific medical tests)

   ● Latest Income Tax returns (for proof of annual income)

   ● Legal heir certificate in case there is no nominee

   ● Original cancelled cheque

Additional documents: For claim above INR 1 Lakh, self-attested copy of PAN Card. For claim below INR 1 Lakh, a photo ID proof (PAN Card, Aadhaar Card, Voter ID, etc.)

All documents need to be translated to English if they're available in vernacular language.

Q2: Which documents need to be submitted for a disability claim?

To file a claim for permanent total disability or permanent partial disability, the following documents are required:

   ● Duly filled claim form

   ● Original insurance policy

   ● Treatment record including consultation papers, discharge summaries

   ● Original hospital bills, medical prescriptions and test reports (including doctor's report requesting medical tests)

   ● Copy of FIR and MLC reports

   ● A coloured photograph of the person showing disability

   ● Latest income proof or income tax returns

   ● Copy of employee/member photo ID

   ● Original cancelled cheque

To file a claim for temporary total disability, the following documents are required:

   ● Duly filled claim form

   ● Original insurance policy

   ● Medical certificate confirming disability

   ● Complete treatment record

   ● MLC and FIR copies

   ● Leave certificate from employer with leave dates

   ● Latest income proof or income tax returns

   ● Copy of employee/member photo ID

   ● Original cancelled cheque

Additional documents: For claim above INR 1 Lakh, self-attested copy of PAN Card. For claim below INR 1 Lakh, a photo ID proof (PAN Card, Aadhaar Card, Voter ID, etc.)

Q3: Which accident claims are not covered/will be rejected?

While Chola MS Chola Accident protection policy covers a wide range of accidents, we do not accept claims for the following:

   ● Injuries due to suicide, self-injury or attempted suicides.

   ● Injuries due to intoxication or influence of alcohol or drugs.

   ● Injuries due to sports activities (skydiving, aviation, etc. are also included).

   ● Injuries as a side-effect of childbirth or pregnancy.

   ● Injuries due to unlawful activities (interference with police, military, royal forces, etc.).

   ● Injuries suffered after the person is declared medically unfit or psychologically insane.

   ● Injuries suffered in a vehicle accident without a valid license.

   ● Claim made during the waiting period of the policy.

Q4: More to know about Chola Accident protection?

Several companies offer Chola Accident protection covers. In fact, this form of insurance is so commonly available that each company offers competitive policies, and you must carefully peruse the pros and cons of each before you make your decision. In this race of the best personal accident covers, Chola MS is steadily making its way towards the top.

Here are the reasons why you should consider Chola MS for your Chola Accident protection -

   ● Family plan

If you are the sole breadwinner in your family, you are most likely aware of the extent to which your family depends on you financially. If anything happens to you, it not only prevents you from working but also stops the monthly earnings for the family, which are required to meet the expenditures. If the accident causes your early demise, your family is left reeling both emotionally and financially.

That is why the policy at Chola MS is perfect for securing not just your future but your family's financial security as well.

From the name of this policy, you would assume that it is a personal policy that only covers the medical expenses if the policyholder alone is involved in an accident. While that is true, the plan at Chola MS goes a step ahead and includes even the coverage of expenses if the family members of the policyholder are involved in the accident.

In other words, this Chola Accident protection is a family plan. You do not have to pay individual premiums with a separate sum insured for the family. All the members, including the spouse and children, fall under the same sum insured, with a single premium payment.

Another excellent advantage of the policy at Chola MS is that if you, as the policyholder, suffer an injury that permanently disables you or causes your untimely demise, your family will receive compensation under the insurance cover. The remuneration can either be given weekly, monthly, yearly or as a single lump sum, depending upon the convenience of the family members. If you lose your monthly income due to disability, the insurance policy also provides for treatment bills, medications, and other related expenditures for you and your family.

Therefore, with just one plan, you can secure both your and your family's health and safety.

   ● Changes in lifestyle following accident and injury

When you suffer from an accident, every aspect of your life can change overnight. From the way you walk, to what you eat, from your work to your other daily activities, everything can change, depending upon the injuries you suffer in an accident.

For instance, if you get a fracture in the accident, depending upon the location of the injury, you will not be able to walk or write or use a computer for your work. If you require a wheelchair, you will not be able to climb stairs. If you live on a higher floor and cannot use a lift, you will be unable to do something as simple as leaving your house. If you have injured your leg, you will be unable to drive a car or ride a bike or motorcycle.

If your injury is temporary, you only need to allow them to heal before you can get back to your everyday activities. However, if you suffer from a more severe injury that permanently disables you, you may have to bring about several modifications in your life. This could be adding a sloping entrance to make it easier for you to enter your house on your own in a wheelchair. You may have to get a bigger car with more space, which makes it easier for you to move from your wheelchair to your car seat.

There are several other changes you may require, and each of these adds to your expenses. In addition to what you spend on your treatment and medicines, these extra costs also add to the financial burden. To ease this pressure, Chola MS offers a Chola Accident protection policy that covers the cost of these modifications as well. Any changes you may have to bring about to make life easier after your accident will be covered by the insurance policy.

If you are the only one who can drive in your family, it would be a problem if you are unable to do so due to an injury. If your recovery requires extended hospitalisation, your family will also have to travel every day to meet you. This adds to the already long list of expenditures. But fear not, for the personal accident policy also covers family transportation costs. At Chola MS, our aim is to make your life more comfortable financially.

   ● Coverage of tuition fees

Consider a situation where you are a student and are involved in an accident. Your injuries may result in certain disabilities, which may be partial or complete, temporary or permanent. As a result of your injuries, you may not be able to attend school or college. In such a scenario, your policy will provide compensation towards the tuition fees.

In addition to your hospital bills, treatment, and medicine costs, your tuition fees further add to the expenditure following the accident. This can result in undue strain on your family to cover the costs. But with Chola MS, you can rest assured. Not only does the personal accident policy cover the medical cost, but it also provides reimbursement for the tuition fees. With this insurance cover, you can recover peacefully and continue your education in a stress-free and financially secure manner.

   ● Coverage of funeral charges

If an accident results in the unfortunate early demise of the policyholder, the family has to not only adjust to this sudden loss of life emotionally but also have to make arrangements for the funeral and burial services. If the policyholder who passed away was the breadwinner of the family, this could add to the family's financial stress since even the funeral charges can be quite expensive.

In such a case, Chola MS's Chola Accident protection cover rushes to the rescue. The policy also covers the funeral charges and even the post-cremation charges, allowing the family to mourn the loss of a member without worrying about how much they will have to pay for the funeral. It also covers the cost of transportation for taking the body to the site of cremation or burial. Ambulance charges are also covered under this insurance cover.

At Chola MS, we value our customers' financial security and peace of mind equally.

   ● Worldwide coverage

Accidents can occur at any time and any place without any warnings. You could be sitting comfortably at home or could be out vacationing in exotic cities. Accidents will turn up unannounced. Therefore, it is best to always be prepared to face any such situation head-on. As they say, prevention is better than cure.

While most personal accident policies can be availed of in any part of the country, the real benefit lies in their availability in other parts of the world. With Chola MS, your Chola Accident protection policy comes with worldwide coverage.

This means that you can claim insurance for your injuries, medical treatment, and other expenses from any part of the world, with no extra documentation or unnecessary procedures and formalities. You can now enjoy the safety and security of the Chola MS insurance even thousands of miles away from your home.

   ● Customisable sum insured

Insurance companies have fixed plans in terms of the sum insured and premium charged. However, your needs and requirements may not get covered in these fixed plans. It may so happen that the sum insured is much higher than what you feel you will need or much lower. But since the personal accident cover is not customisable, you are forced to opt for the plan nearest to your original requirements.

But, with Chola MS, you no longer have to settle for the closest option. With our policies, you can customise and tailor your sum insured to suit your needs. Whether your requirement is Rs. 3 lakh or Rs. 25 lakh, you can choose your plan with your choice of the sum insured and premium charges. With Chola MS, create your own plans at your own convenience and comfort.

   ● Coverage of legal expenses

An accident gives rise to several legal requirements. If the accident involves a third party, there may be the filing of a lawsuit for repairs and injury, damage, or loss of the vehicle. If the third party is at fault, you may also file a case for remuneration. Legal documentation is required in hospitals before treatment and even in case of death of the policyholder. Therefore, legal expenses have no end when it comes to an accident.

Instead of worrying about these expenses, you can simply opt for the personal accident cover at Chola MS. Not only does it cover the cost of treatment and other directly related expenditures, but it also covers the legal expenses that an accident causes.

   ● Double indemnity for an accident in public transport

Double indemnity means paying double the face amount of an insurance policy under certain conditions. At Chola MS, the Chola Accident protection policy provides double indemnity for any injury, impairment, or demise of the policyholder or their family members if the accident is caused due to or occurs while travelling in public transport. The insured gets double the face amount from the policy to cover the medical, legal, funeral, and other expenses incurred in the accident.

   ● Excellent customer service

Customer service is one of the most important factors that determine how well a company performs. The customer support team can even be considered the face of the company. Keeping this in mind, Chola MS has formed an exceptionally wonderful customer service team that is available round the clock to answer any queries you may have.

If you have any issues with your current policy or wish to opt for add-ons or other coverages with your existing policy, the team can direct you to the advisors who will guide you thereafter. The customer service team is also available to make the process of insurance claims easier, smoother, and certified.

   ● Standalone and add-on policies

Chola MS offers two types of personal accident policies - standalone covers and additional covers. Either you can opt for a policy that does not combine with your existing policy, or you can simply add personal accident cover as a rider to your existing life insurance.

The difference between the two lies in the premium charge and benefits. When you opt for a rider, you are extending your policy coverage. The premium for this is simply added to the existing one. Although the additional premium amount is on the lower side, the coverage is also not as extensive and comprehensive. Many directly related costs remain uncovered under this form of additional cover.

On the other hand, in a standalone policy, you are purchasing a separate sum insured, which means that you pay a premium for an entire policy instead of just one rider. While the premium rates increase, so does the coverage. All direct and indirect expenses related to the event get included in this policy. This could include lifestyle changes, worldwide coverages, medical bills and many more.

While the policy may seem more expensive, in the long run, it offers more benefits and advantages to both the policyholder and their family members.

   ● Coverage of broken bones

The personal accident policy at Chola MS has excellent coverage under the basic policy itself, for broken bones and fractures. The coverage is so extensive and comprehensive that it pays back upto 100% of the sum insured for any injury to the vertebral body, which may result in permanent spinal cord damage. This is quite a serious condition as it can cause partial, complete, temporary or permanent disabilities to the person involved. The same coverage is available for pelvic fractures.

Similarly, different percentages of the sum insured are available for reimbursement, depending upon the type of fracture and the bones involved.

Testimonial

Hear from our Happy Customer

5.0 Stars Rating

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Prahalath Vijay

09 September 2021

“Thanks Awesome Experience :)” Thanks awesome experience :) Easiest process

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Vijender Patil

09 September 2021

“Reliable car insurance plan” I purchased a car insurance policy for my 4 wheeler which covered the cost for repairing the damages in an accident. Would recommend everyone to get a comprehensive plan

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Ramanandh

09 September 2021

“renewed car insurance” I renewed my car insurance online and I was happy that it took really less time.

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Dhirendra Sharma

09 September 2021

“I am satisfied with car insurance claim service” Got my car insurance policy claim. Thanks a lot for quick response. Great customer satisfaction policy

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Sanjay Srivatsava

09 September 2021

“add on covers are useful” My car insurance add on cover proved to be beneficial for me

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Brijesh Mishra

09 September 2021

“thanks to the claim assistance team” Special thanks to the claim assistance team. They are cordial and patient. When I called them, they immediately set up an appointment for inspection and showed up. The claim process went smoothly. Overall a good car insurance product with addons.

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Lakshmikanthan

09 September 2021

“car insurance extra benefits” I liked the add on covers offered with the car insurance policy. I added some to my policy while doing my car insurance policy renewal

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Monish Menon

09 September 2021

“Quick car insurance quotes” got an instant car insurance quote online by filling minimal details in the car insurance quote form.

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Vijayraj

09 September 2021

I would like to appreciate customer support team for the quick service on claim settlement.

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Shashank Avadhani

09 September 2021

It's a best experience to your team . we can easy touch with you . that's why i like your services

Old Accident Protection Broacher