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Initial Waiting Period - 30 days for all illness (not applicable on renewal and for accidents)
Two Year Exclusion - Expenses incurred on treatment of following diseases within the first 2 years from the commencement of the Policy will not be admissible: Congenital Internal Anomaly, Varicose veins and Varicose Ulcers, Rheumatism and arthritis of any kind, Treatment of diseases on ears/ tonsils /adenoids /paranasal sinuses / Deviated Nasal Septum, Stones in the Urinary and Biliary systems, Gastric or Duodenal Ulcer, Any type of benign Cyst/ Nodules/ Polpys/ Tumours/ Breast Lumps, Intervertebral Disc Prolapse, and Degenerative Disc / vertebral Disorders, Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy unless because of malignancy, Dilatation and curettage (D&C), Anal Fistula, Fissure and Piles, All types of Hernia, Hydrocele, Chronic Renal Failure, Joint replacement Surgery unless because of accident.

Note: the above is a partial listing of the policy exclusions. Please refer to the policy wordings for full listing

Time bound Exclusions:

Day one Coverage for Accidents. However, this policy is subject to a waiting period of 30 days for claims due to illness.
The following disease will not be covered during the first year of inception of the policy: Congenital Internal Anomaly,Varicose veins and Varicose Ulcers, Rheumatism and arthritis of any kind, Treatment of diseases on ears/ tonsils /adenoids /paranasal sinuses / Deviated Nasal Septum, Stones in the Urinary and Biliary systems, Gastric or Duodenal Ulcer, Any type of benign Cyst/ Nodules/ Polpys/ Tumours/ Breast Lumps, Intervertebral Disc Prolapse, and Degenerative Disc / vertebral Disorders, Cataract, Benign Prostatic Hypertrophy, Myomectomy, Hysterectomy unless because of malignancy, Dilatation and curettage (D&C), Anal Fistula, Fissure and Piles, All types of Hernia, Hydrocele, Chronic Renal Failure and Joint replacement Surgery unless because of accident.
Pre-existing diseases/conditions will be covered after a waiting period of 36 months under Supreme Plan and 48 months under Premiere from first policy start date

Note: the above is a partial listing of the policy exclusions. Please refer to the policy wordings for full listing

Main Exclusions

Given below is a partial listing of exclusions. For complete details, please read policy terms & conditions available in the downloads section)

Benefits will not be available for any pre-existing condition(s), until 48 consecutive months of continuous coverage have elapsed, since inception of the first policy with this insurer.
Any illness diagnosed or diagnosable within 30 days of the effective date of the policy period if this is the first individual Hospital Cash benefit policy with Chola MS. If you renew the hospital cash benefit policy with the Chola MS, this waiting period of 30 days is however is not applicable. In case of change of plan on renewal, this exclusion will apply in relation to the amount by which the daily benefit limit has been increased due to change of plan.

Exclusive Discounts

Chola MS always ensures customer delight. We now provide Value Added Services and are proud to announce our association with several hospitals/diagnostic centres in India. To avail these exclusive discounts, please remember to carry your Chola MS Health Card.

Cashless Hospitalisation

Buy or renew health insurance with Chola MS and avail cashless services with our network hospitals and healthcare facilities. We believe in making your treatment and recovery easier, and we assure you of assistance when you really need it.

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.

ArchanaKumari | Apr 04, 2019

Home insurance policy with Chola MS gives me complete protection from any unforeseen calamities.
Gazala Khan | Apr 04, 2019

Home content insurance policy with Chola MS gives me complete assurance for all the valuables things in my home. Thanks for the customer friendly support whenever I need it.
Sweta rajan | Apr 04, 2019

I thank Chola MS team for guiding me the way for taking up home Insurance policy online.
Manish | Apr 04, 2019

Overall very good experience with less premium rates.
raju singh | Mar 30, 2019

Customer service executive at Chola MS helped me to buy policy online as I was buying online first time.
Mohammed Shaikh | Mar 30, 2019

Home insurance policy with Chola MS is affordable and easily suits my budget rates, so I will prefer it in future too.
VankateshBaheti | Mar 30, 2019

I really loved the way they take care of customers by personally visiting at home during crisis. Great job!
TusharPatil | Feb 17, 2019

I am happy with easy online purchasing Home insurance policy and have recommended it to my friends too.
Shweta Patel | Feb 17, 2019

The customer care executive at Chola MS explained me everything which insisted me to buy the policy online. Good experience!
Anil Meshram | Feb 17, 2019

It has easy online renewal procedure with no hidden costs.
Subhash chander | Feb 17, 2019

Transaction was smooth and the executive who assisted me in getting the home policy was very supportive.

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PROTECT YOUR HOME

Downloads

Exclusive Discounts

Cashless Hospitalisation

Cashless procedures for planned admission

Cashless procedures for Emergency admission

Reimbursement claim procedure:

ArchanaKumari | Apr 04, 2019

Gazala Khan | Apr 04, 2019

Sweta rajan | Apr 04, 2019

Manish | Apr 04, 2019

raju singh | Mar 30, 2019

Mohammed Shaikh | Mar 30, 2019

VankateshBaheti | Mar 30, 2019

TusharPatil | Feb 17, 2019

Shweta Patel | Feb 17, 2019

Anil Meshram | Feb 17, 2019

Subhash chander | Feb 17, 2019

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