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What is Health insurance ?

Having an Online Health Insurance helps you focus on your recovery. If the bills of the health insurance claims are made through a cashless treatment facility or a cashless treatment facility or a reimbursement mode offered by the insurance company on submission of relevant proofs like medical bills.It is important to invest in Health Insurance MediclaimPolicy to safeguard your financial well-being. Chola MS Health insurance policy provides financial aid for medical expenses incurred for treatment of ailments, surgery, hospitalization, etc. covered under a healthinsurance plan.

Chola MS Health Insurance Plans

You can choose from our customized Health Insurance plans in India

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Basic Coverage

Medical expenses for Hospitalisation and listed Daycare Procedures
Pre-Hospitalisation expenses upto 30/60 days prior to admission
Post-Hospitalisation expenses upto 60/90 days from the date of discharge
Coverage for AYUSH treatment

*Coverage may vary as per the plan chosen

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.

Important Exclusions:

War or any act of war, invasion, acts of foreign enemies, hostilities whether are be declared or not, civil war, revolution, insurrection, mutiny, martial law
Any Insured Person committing or attempting to commit a breach of law with criminal intent or intentional self-injury or attempted suicide whether sane or insane
Vaccination or inoculation unless forming a part of post-animal bite treatment

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

Main Exclusions

Any Critical Illness arising due to any pre-existing disease
Any Critical Illness diagnosed within the first 90 days from the date of commencement of the Policy
Intentional self Injury and / or the use or misuse of intoxicating drugs and / or alcohol

The above is partial listing of the policy exclusions. Please refer to policy wordings for detailed list of exclusions

Chola Super Topup Insurance provides cover for the following

Inpatient Hospitalisation charges incurred towards
Room and Boarding
ICU Charges
Doctor's Fees
Nursing Charges
Surgery, anaesthesia and oxygen charges
Organ Donor Expenses
Expenses incurred towards Emergency Ambulance
Hospitalisation of less than 24 hours for 141 day care procedures listed in the policy
Domiciliary Hospitalisation Expenses
Coverage for Non-Allopathic Treatments: Inpatient Hospitalisation Coverage for AYUSH Treatments
Pre-Hospitalisation Expenses: Related medical expenses incurred upto 60 days prior to date of admission under Supreme Plan
Post-Hospitalisation Expenses: Related medical expenses incurred upto 90 days from date of discharge under Supreme Plan

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

Other important General Exclusions:

Congenital anomaly/illness/diseases/condition which are external
Intentional self-injury and use of intoxicating drugs/alcohol
Expenses arising from HIV or AIDS and related conditions
Weight Control programs
Unproven/experimental treatment

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

Hospital Daily Cash Benefit
Double Benefit in case of ICU Hospitalisation
Convalescence Benefit – Lumpsum benefit after 20 continuous days of hospitalisation
Family Discount – 5% discount for covering 2 members and 10% discount for covering more than 2 members in the same policy.

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.

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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.
ArchanaKumari | Apr 04, 2019

Home insurance policy with Chola MS gives me complete protection from any unforeseen calamities.
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I am happy with easy online purchasing Home insurance policy and have recommended it to my friends too.
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I really loved the way they take care of customers by personally visiting at home during crisis. Great job!
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The customer care executive at Chola MS explained me everything which insisted me to buy the policy online. Good experience!
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Transaction was smooth and the executive who assisted me in getting the home policy was very supportive.
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.
raju singh | Mar 30, 2019

Customer service executive at Chola MS helped me to buy policy online as I was buying online first time.
Sweta rajan | Apr 04, 2019

I thank Chola MS team for guiding me the way for taking up home Insurance policy online.
Anil Meshram | Feb 17, 2019

It has easy online renewal procedure with no hidden costs.
Manish | Apr 04, 2019

Overall very good experience with less premium rates.

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