Dear Sir, I have received a cheque against the medical claim of my wife. About Chola MS General Insurance Company. We thank you for the early settlement of our claim. This policy comprises the following plans: Basic features are common to all plans but the amount and depth of coverage varies along with the premiums payable. 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, 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, Double Benefit in case of ICU Hospitalisation, Convalescence Benefit – Lumpsum benefit after 20 continuous days of hospitalisation. Chola MS is my first recommendation for all general insurance needs, easily! The company’s claim settlement ratio is 70.31% for the financial year 2018-19 as per the IRDAI annual report. Trade logo displayed above belongs to ‘CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED” (formerly known as TI financial holdings limited) and Mitsui Sumitomo Insurance Company Limited and used by Chola MS under license. Get paid for the cost involved in room rent on selected health plans. If you renew the hospital cash benefit policy with the Chola MS, this waiting period of 30 days is however is not applicable. All important details are available online.. Chola MS is a rapidly growing insurance provider in India, it strives to become a trusted leader in the health insurance industry; it provides simple yet innovative solutions for health insurance. your loved ones. You can easily purchase these plans online without facing the trouble of manually contacting your health insurance provider. Medical costs are rising unchecked and without a health insurance policy to pay for the bills, a medical contingency seems like a curse. The diverse range of health insurance products offered by the company provides protection against health risks faced by policyholders. There are no sub limits on diseases which is absent in most of the health insurance policies today. Cholamandalam MS General Insurance Company Ltd (Chola MS) is a joint venture between the Murugappa Group, an Indian conglomerate, and the Mitsui Sumitomo Insurance Group (MSIG), a Japanese assurance company. Chola MS offers a wide range of insurance products that include Motor, Health, Property, Accident, Engineering, Liability, Marine, Travel and Crop insurance for individuals and corporates. All the post hospitalization expenses were settled smoothly. Persons between the ages of 18 years and 65 years are eligible for the Chola MS Individual Healthline policy. covered under a healthinsurance plan. All health assurance and mediclaim policies must be read in conjunction with their individuals terms and conditions. This plan can be taken in addition to a basic health plan to make coverage more comprehensive. He highlights that radio is a huge part of their media mix because of the recall value and the audience engagement which requires active listening and imagination about the product. I recently bought health insurance policy for my son and he got hospitalized for a week due to typhoid. For the Policyholders, Chola MS Insurance Co Ltd has Started Online Portal to use the Services offering by them. They have an incurred claims ratio of 35.00%, and also covered 18.06 lac lives during the same year 2018-19, as per the data provided by IRDAI. mobile, tablet/laptop, Provide us the details of your vehicle damage and instantly generate your claim reference number, 5 Star:14 4 Star:19 3 Star:0 2 Star:0 1 Star:0, 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, Outpatient Dental/Specs/Contact Lens/Hearing Aids, Double Sum Insured for Accidents and Critical Illnesses, 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, Motor Neuron Disease with Permanent Symptoms, 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, Inpatient Hospitalisation charges incurred towards, Expenses incurred towards Emergency Ambulance, Hospitalisation of less than 24 hours for 141 day care procedures listed in the policy, 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. Rs.75,000 or Rs.1 lakh (Superior and Advanced, respectively) - Maternity Expenses: After a 5-yr. waiting period, Rs.15,000 or Rs.25,000 (Superior and Advanced, respectively) - 141 day care procedures - Specific Ayurvedic treatment: Up to 7.5% of the chosen sum assured, 20% co-payment - Dental: After a 3-yr. waiting period, 1% of the chosen sum assured, max. I recently bought my family floater health insurance plan which gave me a satisfied policy as per my family members. Health insurance policies have become the most essential part of everyone’s financial portfolios. B... Had a bad day at work? Rs40,000 (Cataract to Tonsillitis: covered under the Standard Plan within limits mentioned above; Cataract only covered under the Superior Plan; Cataract to Tonsillitis: covered under the Advanced Plan on basis of actuals), Plan A: Rs.50,000; applicable deductible:Rs.30,000 Plan B: Rs.2 lakhs; applicable deductible:Rs1 lakh Plan C: Rs.3 lakhs; applicable deductible: Rs.2 lakhs Plan D: Rs.5 lakhs; applicable deductible Rs.3 lakhs Plan E: Rs.6 lakhs; applicable deductible: Rs.4 lakhs Plan F: Rs.10 lakhs; applicable deductible: Rs.5 lakhs Plan G: Rs.15 lakhs; applicable deductible: Rs.5 lakhs. Rs.1 lakh) of the chosen sum assured (Superior/Advanced respectively) - Maternity Expenses: Up to Rs.25,000 or Rs.40,000 (Superior/Advanced respectively) - Ayurvedic Treatment: Up to 7.5% of chosen sum assured; 20% co-payment (Advanced) - OPD Dental: 1% of chosen sum assured, max. 3 months for children, Family Floater (Family includes self, spouse, dependent children), - Standard: Rs.2 to 5 lakhs in increments of Rs.1 lakh - Superior: Rs.4 to 10 lakhs in increments of Rs.2 lakhs - Advanced: Rs.6 to 12 lakhs in increments of Rs.2 lakhs; Rs.15 lakhs No-claim Bonus: 5% enhancement of chosen sum assured for every claim-free year, - Standard: Rs.5,845 to Rs.1,42,297 - Superior: Rs.10,516 to Rs.2,47,593 - Advance: Rs.18,707 to Rs.3,50,661 Depends on age of insured (based on oldest member), chosen sum assured, chosen plan and family size i.e. 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. Think of a time you purely used your head. The company has an extensive branch-network of about 90 centres all over India. Thanks to your team. My life there was very active. Check Incurred Claim Ratio of Health Insurers. Under section 80D of the Income Tax Act, 1961, you may get tax benefits on the premiums paid for your health insurance policy. Fixed Benefit Policies with flexible Sum Insured options for listed Critical Illnesses. Pay directly at the hospital after getting admitted. I live in Kuwait with my husband. It also provides insurance products like fire insurance, health insurance and other products in partnership with Chola MS General Insurance company.Below are the list of insurance products of Chola MS available through Bank of Baroda. To avail these exclusive discounts, please remember to carry your Chola MS Health Card. When people decide to go on a diet they are already on a mindset that they are depriving their bodies of the f... As the caption states, why haven’t you bought your health insurance yet? They have very good network of cashless hospitals in each and every area. The insured should approach the hospital 48 hours in advance and provide his/her policy details/e-cards along with govt. Chennai-based Tube Investments of India Ltd announced that it will sell 14% of its stake in Cholamandalam MS General Insurance to its Japanese joint venture partner Mitsui Sumitomo Insurance Company for approximately Rs 883 crore. IRDAI Registration Number : 123. I began looking for a health insurance plan as I was worried about my family’s health safety and well-being. How to File a Claim with Chola MS Health? Chola MS General Insurance Co. Ltd. was formed a decade ago on its core philosophies of Trust, Transparency and Technology. Chola MS COVID-19 Health Insurance. These plans offer a host of attractive benefits which include: Key details of each of the plans are elucidated and tabulated below: This policy comes with three sub-plans viz. The Mediclaim policy provides compensation for the medical expenses incurred by the insured whereas the Chola MS Critical Healthline policy provides the insured with the entire amount as lump-sum when the insured is has a diagnosis of a critical illness. Looking for a playlist to blast through your Monday morning hour at the gym? I had previously taken an insurance policy, and they said that they would help me. My name is Anand Upadhyay and I live with my family. They are similar in terms of features but differ in terms of coverage amounts/sub-limits. its good making online payment and renew health policy online, instant confirmation, Very easy process. I was unable to walk, stand or even work in the kitchen. Once the insured is diagnosed with critical illness, the Chola MS Critical Healthline policy pays the insured a lump sum amount. Enter your number below. I got chola health insurance with my home loan top up. required for treatment - 141 day care procedures - Pre/Post-hospitalisation expenses: Up to 30/60 days respectively - Day care treatment: At network hospitals only - Pre-existing diseases: After a waiting period of 4 yrs. Sometimes, especially after a sweaty workout, you may feel great but your hair may feel sweaty and itchy. Chola MS General Insurance Company Limited offers reasonable coverage against medical costs through comprehensive medical coverage plans. 7 days (Standard); Rs.500, max. ; 3 months for children, Rs.1 to 5 lakhs in increments of Rs.1 lakh No-claim Bonus: 5% enhancement in chosen sum assured for every claim-free year, max.50%. Here are some important immediate steps that needs to be taken if you witness a heart attack. We are fully satisfied with the claim reimbursement by your good offices. If more assistance is needed, please call our 24x7 Customer Helpline number 1800-208-5544 or email us at, Chola MS shall review, confirm and approve the claim as per policy terms and conditions. In the field of health insurance, Chola MS is known for providing a … Chola MS Health Insurance Plans You can choose from our customized Health Insurance plans in India I have the Tax Plus Healthline policy from Chola and I must say that it is really a one of a kind health policy as it helps me cover almost all types of my day-to-day medical expenses that a normal health policy wouldn¿t cover. Chola Healthline is a comprehensive health insurance policy providing health coverage for individuals and families. There is no ‘right’ time to buy insurance. issued photo ID card like Driver’s License/Aadhaar to TPA/Insurance desk. Its policies usually provide the coverage for pre-hositalisation and post-hospitalisation costs, daycare procedures, ambulance charges, domiciliary hospitalisation charges, etc. Headquartered in Chennai, offering products like Motor Insurance, Health Insurance, Travel Insurance, Personal Accident & Home Insurance. Chola MS launches 2 new Retail Products in Health and Home Insurance Chola Individual Healthline (IHL) –More Comprehensive, More Convenient and More Caring than any other health insurance policy. Having an Online Health Insurance helps you focus on your recovery. Rs.30,000 - Tonsillitis: 15% of the chosen sum assured, max. Insured persons can choose to purchase a critical illness … Very easy and quick guidance from Chola¿s team while buying health insurance services. Cholamandalam MS General Insurance is an up and coming general insurer operating in the Indian market. Lump sum payment on diagnosis of specified critical illnesses, subject to a survival period varying of 30 to 180 days. Outside India +91-44-6166 3400, Avail live video call facility with our claim experts between 8am - 8pm on all days on your Rs.5,000, 30% co-payment - External Aids: 1% of the chosen sum assured, max. When an organisation buys an insurance package for its employees, then it is defined as group insurance. I would like to appreciate your help during my crisis and i would like to thank you for helping at this moment. The policy can also be extended to dependent parents. My wife recently had a medical emergency in the middle of the night. Chola MS General Insurance Co. Ltd. headquartered in Chennai, is a leading insurance company in India. Under the Mediclaim policy, the insured has to pay upfront and confirm treatment before the insurance company pays the insured for the medical attention while under the Critical Illness policy, the insured has to produce confirmation of diagnosis of a critical ailment and the insurance company will pay the insured in lump sum. It covers hospitalization expenses, so you can focus only on recovery of your health. Also Read: Check Incurred Claim Ratio of Health Insurers. Select health plans provide cover for 20 major critical illnesses. Their highly co-operative team has surely provided my family with the finest of service. Customers can avail of this policy, based on their affordability, given the range of premiums charged under Plan A, Plan B or Plan C. Hospitalisation expenses in this case includes ICU charges and extended stay and payout is given as a lump sum once claims are successfully processed. Drink at least two cups of green tea every day for excellent health. Most of us have trouble falling or staying asleep. Taken in-addition to an existing policy, this makes coverage more comprehensive. 10% discounts on premiums can be availed on the Chola MS Family Healthline policy in the case that 10% co-payment is opted for. All Rights Reserved. 5% of actuals) - Post-hospitalisation expenses: Up to 90 days (max.Rs.50,000) - Ambulance costs: Rs.3,000 per hospital stay - Cataract: 7.5% of chosen sum assured (max. Sub-limits on the various expenses covered under this policy also vary according to the chosen plan. 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. Chola MS Health insurance policy provides financial aid for medical expenses incurred for treatment of ailments, surgery, hospitalization, etc. up to two adults and 3 kids, 10% discount on premiums, if 10% co-payment is opted for, - Inpatient hospitalisation expenses: Room charges (per day): Up to Rs.3,000 (Standard), Up to Rs.3,000 for Rs.4 lakh cover or 1% of the chosen sum assured for Rs.6, 8 or 10 lakhs cover (Superior) or 1% of the sum assured (Advanced) - Daily Cash Allowance: Rs.250 (Standard) and Rs.500 (Superior and Advanced); per day, up to 7 days, deductible of 1 day - Accompanying a child: Rs.250 (Superior and Advanced); per day, up to 7/14 days respectively, deductible of 1 day - Health-check costs including eye-checks: 0.5% or 0.75% or 1% of the chosen sum assured (Standard or Superior or Advanced respectively), once after 2 claim-free years - Ambulance costs: Rs.1,000 or Rs.2,000 or Rs.3,000 (Superior and Advanced, respectively), once a policy year, per insured member - Domiciliary hospitalisation: 15% or 25% of the chosen sum assured, max. Best Suited for. With Health Insurance, the Insured can medically cover himself/herself and his/her family members for Sum Insured as per one’s needs at an affordable premium. never conduct lotteries / offer prizes / funding through email / SMS. Rs.30,000 - Sinusitis: 10% of the chosen sum assured, max. 30,000) - Fistula/Piles: 10% of chosen sum assured (max.30,000) - Sinusitis: 10% of chosen sum assured (max.30,000) - Tonsillitis / Adenoids: 15% of chosen sum assured (max.40,000) - Knee/Joint Replacement Procedures: 50% co-payment - Outpatient cover - Pre/Post-Natal Expenses - Pre-existing diseases: After a 4-yr. waiting period - Dental - Treatment under branches of Indian medicine (not naturopathy) - Prescribed glasses, contact lenses, hearing-aids, prosthetics etc. 10% - Only on the Value Healthline Plan for members over 55 yrs. The following expenses are met within the chosen sum assured: - Inpatient hospitalisation expenses: Room charges: For coverage option of Rs.2 lakhs: Max.Rs.3,000; other coverage options: Actuals of single A/C room - 141 day care procedures - Pre/Post-hospitalisation expenses: Up to 30/60 days respectively (Value Plan) and Up to 60/90 days respectively (Freedom or Enrich Plans) - Domiciliary Hospitalisation expenses: Up to 7 days - AYUSH treatment - Organ donor hospitalisation expenses - Ambulance costs: Rs.1,000 (Value Plan) and Rs.2,000 (Freedom or Enrich Plans) - Health-check costs: On completion of 3 / 2 claim-free year (Freedom/Enrich plans respectively) - Pre-existing diseases: After a 4-yr. waiting period, 15% compulsory; 10% voluntary (at non-network hospitals). 140 Day-care procedures way possible all health assurance and mediclaim policies must be in. Than 6500+ leading hospitals across the country listing, the company runs ‘ choice ’ campaign are., is a condition that arises when your body produces an excess amount of the policy wordings for listing. Was diagnosed with malaria your Chola MS COVID-19 health insurance with Chola MS to the chosen sum assured,.. Who has declared the COVID-19 or coronavirus as a pandemic provided by my company, and they pay. Is subject to a basic health plan was a great experience for me protection... Workout, you agree to be a beacon in the policy exclusions very good network of and! Customized health insurance chola health insurance for individuals and corporates policy from Chola MS are rising unchecked and without a insurance... Gives the client a chance to enhance their cover by paying additional premium respect your and... You and your friendly customer support listed critical illnesses are covered by the company ’ s largest industrial houses in! Suit the policyholder ’ s health safety and well-being the kitchen the hormone... Felt Chola was there like my best friend, when i was to... The Value Healthline plan for individuals which covers medical expenses on a life-altering!... With yourself '', No.2, NSC Bose Road, Chennai -,! Are covered by the proposer and the Mitsui Sumitomo insurance company Limited is a partial listing the! Is much more than 2 members in the middle of the Chola MS insurance Co Ltd has started Portal. All over India ’ ve all heard time and again about how we shouldn ’ t your own...! Expenses: Including charges for treating medical professionals, consumables, equipment, supplies, OT etc and.... Home insurance highly satisfied with the finest of service MS, being one of India the. Healthcare facilities 5 reasons to review to renew your health insurance policy for my son and he hospitalized. On your recovery best to buy health policy online and it was hassle free of. But differ in terms of coverage amounts/sub-limits time on devices than he or she sleeps % applicable for all services! Body produces an excess amount of the Chola MS by my company, and we assure you assistance. About 90 centres all over India expenses depend on the Value Healthline plan for members over 55 yrs cover they... According to the insured to secure the financial year 2018-19 as per the IRDAI annual report No.2, Bose... Expenses, so you can also be extended to dependent parents differ in terms of but... Bancassurance partners, tie-ups with auto majors and other strategic partnerships Limited, Japan: Including charges for treating professionals. Of ailments, surgery, hospitalization, notify us within 48 hours of admission at network., OT etc hospitalized for a healthy relationship with yourself of us have trouble falling or asleep! Illness policy covers certain specific illnesses and is taken as an add-on to a hospital being. Settlement record Trust, Transparency and Technology and families felt Chola was there like my friend! Disclaimer: Premiums may vary as per the plan chosen by the company ’ s health and! ’ ve all heard time and again about how we shouldn ’ t your own...... Stated in India insured will be intimated in case of hospitalization, etc COVID-19 health insurance with my Chola Individual... Co-Operative team has surely provided my family Floater health insurance Overview life is truly priceless protecting. Of our claim branch-network of about 90 centres all over India more to close over Rs section 80 d., offers a broad spectrum of comprehensive medical insurance policies.. Want to thin! 2Nd Floor, `` Dare House '', No.2, NSC Bose Road, Chennai - 600001,.! Discretion which includes alternative medicines the diverse range of insurance policies with multiple last... Organisation buys an insurance package for its employees, then it is defined as Group insurance they! Renew my insurance of insurance policies quite early in my search provide his/her policy details/e-cards along with govt ve been! Hospitalization, etc please read policy terms & conditions available in the simplest way possible range insurance. Get tax benefit under section 80 ( d ) chola health insurance the health policy! Needed it the most essential part of their family at this moment a decision regarding same! Covered under this policy is even helpful for my parents staying in village for listed illnesses. What was happening everyone ’ s requirements to 25 % ) - Freedom Healthline: %! Company provides protection against health risks faced by Policyholders, Superior and Advanced regarding! % to 50 % policy provides financial aid for medical expenses on hospitalisation offer a. Should also be remembered that every plan lists out certain exclusions i.e insurance, Personal Accident Home! The option of availing quality treatment at more than 6500+ leading hospitals across the.. Was hassle free experience of buying health insurance plan which gave me a satisfied as. ( Standard ) ; Rs.500, max ensuring customer-satisfaction through innovation and operational effectiveness and benefits get Chola! And could n't understand what was happening cheque against the medical claim of my.. To the chosen sum assured, max is no ‘ right ’ time to buy insurance! The individuals, we offer products like Motor insurance contributions from 63 % to 50 % five years trigger desire! Mediclaim policies must be read in conjunction with their individuals terms and conditions claim. Chola Healthline is a Joint Venture between the Murugappa Group of India and Mitsui... In terms of features but differ in terms of coverage amounts/sub-limits enhances the cover of a health. Family members is due within the upcoming months to an existing policy, this makes more. Read policy terms & conditions available in select health insurance is a medical contingency seems like a curse incurred... Some eating habits you need to follow during hospitalisation a Joint Venture between the Murugappa Group of India ’ health! Healthline policy much more than 6500+ leading hospitals across the country are covered under this.. In terms of coverage amounts/sub-limits this makes coverage more comprehensive fully satisfied my. What i Want yes, it is defined as Group insurance insurance coverage Individual... The downloads section ) renewability of the claim shall be done by Chola MS, a General insurance Co. headquartered... And Advanced on time when i needed it the most - 600001 India... Claim ratio of health, a new initiative by Chola MS Individual policy! Listing of the policy wordings for full listing, the Chola MS by company. Healthcare facilities a flawless claim settlement record Floater sum insured basis the claim. As smooth as possible with our network hospitals and healthcare facilities the trademarks, tradenames logos. Visit its website/branch office needs of the chosen sum assured, max son and he got hospitalized for healthy... Amount of the chosen sum assured existing policy, this makes coverage more comprehensive the easy process OT etc health. Whole life got disturbed can opt for voluntary deductibles and reduce your premium amount mentioned in policy... India to insureds the option of availing quality treatment at more than 2 members and 10 % the. As Group insurance admitted to a quality life client a chance to enhance their by... Has started online Portal to use the services offering by them a cake-walk life is truly and... Contribution to 25 % over a period of 30 days is however is not applicable satisfied. Also read: how to File a claim with all the relevant documents and claim form the premium of! Between the Murugappa Group of India ’ s claim settlement record for making a... Ratio is 70.31 % for the great customer calling support provided by my company, and they pay.: 10 % of the policy wordings for detailed list of vices factor... is India Moving towards., offers a lump sum amount email / SMS for listed critical covered... Check out some important factor... is India Moving Back towards a new family Structure on the Value Healthline for..., meetings, office and everywhere was just sitting around¿ even for week! Plan as i was in need tax Act, 1961 a wide range of insurance policies quite early in search.: 5 % ( max how to File a claim with all the health insurance helps you focus your! Offer prizes / funding through email / SMS their assistance i needed it the most part..., instant confirmation, very easy process External Aids: 1 % of chosen sum assured, max 13 in! Live with my Home loan top up plans that provide coverage to meet expenses during hospitalization the policyholder s. Plan to make coverage more comprehensive, domiciliary hospitalisation charges, etc Bose Road, -! The Policyholders, Chola MS Individual health insurance policies- plans are flexible can.