Cashless procedures for planned admission

• The insured should approach the hospital 48 hours in advance and provide his/her policy details/e-cards along with govt. issued photo ID card like Driver’s License/Aadhaar to TPA/Insurance desk.
• The hospital validates the claim and sends the pre-authorization request to Chola MS.
• Chola MS shall review, confirm and approve the claim as per policy terms and conditions.
• The hospital and the insured will be intimated in case of any additional information that is required.
• Settlement of the claim shall be done by Chola MS to the hospital.

Cashless procedures for Emergency admission

• In case of emergency hospitalization, contact any of our Network Hospitals within 48 hours of hospitalization along with his/her policy details/e-cards along with govt. Issued photo ID card like Driver’s License/Aadhaar.
• If more assistance is needed, please call our 24x7 Customer Helpline number 1800-208-5544 or email us at customercare@Cholams.murugappa.com.
• The hospital validates the claim and sends the pre-authorization request to Chola MS.
• Chola MS shall review, confirm and approve the claim as per policy terms and conditions
• The hospital and the insured will be intimated in case of any additional information that is required.
• Settlement of the claim shall be done by Chola MS to the hospital.

Reimbursement claim procedure:

• In case of hospitalization, notify us within 48 hours of admission at our Network or non-Network Hospital.
• Pay directly at the hospital after getting admitted.
• Submit the claim with all the relevant documents and claim form.
• Chola MS shall review, confirm and approve the claim as per policy terms and conditions.
• Settlement of the claim shall be done by Chola MS to the insured.

Advantages of health insurance

• Coverage against medical expenses: From major to minor injuries incurred, coverage of medical expenses is one of the most important advantages of health insurance. By opting for the right policy, individuals can choose to relax and not worry about the financial burden of bills and expenses, leaving them more time to recover.
• Critical illness coverage: For non-injury related, critical illnesses, health insurance offers the same advantages by covering hospitalisation fees, allowing for financial security to be established for them and their loved ones at all times.
• Hassle-free, cashless claim process: Another major advantage is the ability to both file and process health insurance claims in a seamless, quick manner. Simply add your details online, follow the instructions and the claims are processed in a jiffy!
• Add on protection: Topping up your health insurance for additional cover is also an easy process and helps you make sure all aspects of your health are equally covered , no matter what the situation is.

Health insurance is a type of insurance that provides financial assistance during a medical emergency to the policy holder. Depending on the type of health insurance chosen by the policyholder, they can get access to a variety of benefits. Once your financial worries are taken care of, you can completely focus on your treatment and recovery. With a range of Chola MS products and services, you can get access to financial aid for medical expenses like surgery, hospitalisation, treatment, etc.

While picking a health insurance plan, look out for a comprehensive plan that will cover both you and your family. Here are some of the types of insurance available at Chola MS -

• Chola Healthline is a comprehensive policy that can cover an individual as well as their family. It provides coverage for 24 hour hospitalisation on a cashless or reimbursement basis.
• The Chola Critical Healthline cover will provide a lump sum on the diagnosis of any of the critical illnesses mentioned under the plan.
• The Chola Super Top Up plan provides financial aid for higher medical expenses. The policy is beneficial as it provides additional benefits at an affordable cost.
• Chola Hospital Cash Healthline takes care of all the miscellaneous expenses that take place during hospitalisation and is a comprehensive health policy that provides coverage for you and your loved ones.

Make sure to assess your needs thoroughly to be able to choose the right health insurance plan. Various factors play into the decision making of this purchase and it is important to consider all aspects. Health insurance is a very important investment to make, so be sure to do your research and find the best plan out there for you and your family.

Our health is and should always be our top priority. Sometimes we may require a higher level of medical care and attention, depending on the health condition. In such cases, often, hospitalisation is required and this can be a heavy financial burden for many. There are many other aspects of our hospitalisation and other necessities that may prove to be heavy on our pockets. This is where health insurance comes into play.

With a strong comprehensive health insurance in place, your financial needs are taken care of allowing you to focus better on your recovery. If you’ve ever wondered why you need health insurance, this is why. The right comprehensive cover helps take care of expenses that arise from the following:

• Pre and Post-hospitalisation charges
• Daily allowances for hospital expenses
• Day-care procedures
• AYUSH treatment coverage
• Critical Illness treatments and related expenses
• Domiciliary hospitalisation charges
• Organ Donor expenses

These are some expenses that are covered by health insurance. Depending on the plan you think suits your needs the best, items that are covered may vary slightly. Essentially, having a health insurance plan in place is ideal as it helps reduce the financial burden on your shoulders to give you the ability to focus on your health better.

Given the restriction of movement in our current situation, you can easily buy/renew insurance online. With just a few clicks and at the comfort of your own home, you can get insured. Compare various plans online with ease and decide what suits your needs the best. Payment for your health insurance policy can be completed online too. All necessary documents regarding the policy and payment will be mailed to you, this way you can conveniently have multiple copies of the same document without the hassle of excessive paperwork.