Cholamandalam MS General Insurance Company is a joint venture between Indian company Murugappa Group and Japan-based company Mitsui Sumitomo Insurance. It provides different insurance products including Group health insurance to its customers and has around 156 branches across the nation. Cholamandalam MS General Insurance Company desires to provide excellent healthcare services within the reach of ordinary people. Additionally, the company enjoys a claim settlement ratio of 95% (2018-19).

Cholamandalam Health Insurance at a Glance

Chola MS General Insurance Highlights

Features	Specifications
Network Hospitals	8000+
Waiting Period for Pre-existing Disease	4 years
Incurred Claims Ratio	72.54%
Number of Policies Issued	91553
Grievances Solved	99.55%%
Renewability	Lifetime

*For the Year 2017-2018

Overview of Cholamandalam MS Health Insurance

Chola MS General Insurance Company Limited was established over a decade ago on its core philosophy of Transparency, Trust and Technology.

Headquartered in Chennai, it has grown into a preferred general insurer by ensuring customer satisfaction through innovation and operational effectiveness. The company has an extensive branch network of about 90 centers all over India. It reaches its customers primarily through its 7,000-strong agent network, duly supported by alternate distribution channels, bancassurance partners, affiliation with auto majors, and other strategic collaborations.

It has a number of product lines serving retail customers including auto, travel, home, and personal insurance, along with business protection solutions for commercial customers.

Chola MS, one of the top health insurance providers in India, provides a number of health insurance plans. The health insurance plans provided by Cholamandalam MS have many attractive features and benefits and provide comprehensive health insurance coverage at reasonable rates.

Key features of Cholamandalam MS Health Plans

Key features of health insurance plans of Chola MS are listed below:

• Some Chola MS Health plans offer double coverage for accidents and critical diseases.
  
  
• They also offer domiciliary hospitalization.
  
  
• Enjoy cashless hospitalization in over 4300 hospitals across the nation.
  
  
• Select health plans provide coverage for 20 major critical illnesses.
  
  
• Get paid for expenses included in room rent on selected health plans.
  
  
• Lifetime renewal facility is available.
  
  
• Avail tax benefits U/S 80 (D) of the Indian Income Tax Act, 1961.
  
  
• 24×7 claim assistance service.
  
  
• These schemes also offer cover for more than 140 daycare procedures.
  
  
• Pre and post-hospitalization expenditures are covered by most of the health plans offered by Chola MS.
  
  
• Enjoy an easy claim settlement procedure.

Why choose Health Insurance Plans from Chola MS

There are a number of reasons why you choose Chola MS Health Plans. These plans offer several attractive benefits including-

• You can enjoy cash hospitalization in 4300 hospitals plus hospitals in India.
  
  
• Chola MS Health would pay for your pre and post-hospitalization expenses up to 30 days prior to hospitalization and up to 60 days after discharge.
  
  
• Opting for Chola MS Health Plan will also include an ambulance facility and will pay for your ambulance expenses.
  
  
• You can get special benefits when you renew your health insurance policy if you have not made any claim on your health insurance coverage in the previous year. You can also enjoy a free medical check-up for not making no claims.
  
  
• U/S 80D of the Income Tax Act, 1961, you can obtain tax benefits on the premium paid for your health insurance policy.
  
  
• You can opt for voluntary deductibles and decrease your premium amount as specified in the policy. A co-pay facility is available in some health insurance schemes.
  
  
• About 20 critical diseases are covered under this policy.
  
  
• You can easily buy these plans online without going through the trouble of contacting your health insurance provider yourself.

Types of Health Insurance Policies Offered by Chola MS

1. Chola MS Healthline Insurance
   
   
2. Chola Swasth Parivar Health Insurance Plan
   
   
3. Chola Tax Plus Healthline
   
   
4. Chola MS FamilyHealthline Insurance
   
   
5. Chola MS Individual Healthline Insurance Policy
   
   
6. Chola MS Top Up Healthline Insurance Policy
   
   
7. Chola MS Critical Healthline Insurance Plan
   
   
8. Chola MS Hospital Cash
   
   
9. Chola MS Individual Health
   
   
10. Chola MS Family Health Insurance

Key details of each scheme are specified and tabulated below:

1. Chola MS Healthline Insurance

This policy comes with three sub-plans viz.

• Value Healthline
  
  
• Freedom Healthline
  
  
• Enrich Healthline

They are the same in terms of features but different in terms of coverage amount/sub-limits.

Entry Age	18 yrs. to 65 yrs.
Policy Period	1, 2, or 3 yrs.
Renewability	Lifetime
Medical Screening	Required; Costs reimbursed up to 50% (Value or Freedom Plans) and 100% (Enrich Plan) on qualification
Basis	Individual or Floater (Family means self, partner, dependent children/siblings/parents/parents-in-law)
Sum Assured	– Value Healthline: INR 2 lacs – Freedom Healthline: INR 3, 5 or 7.5 lacs – Enrich Healthline: INR 3, 5, 7.5 or 10 lacs No-claim Bonus: Increment of Sum Assured chosen on renewal for each claim-free year given as follows:- Value Healthline: 5% (maximum 25%) – Freedom Healthline: 5% (maximum 50%) – Enrich Healthline: 50% (maximum 100%)
Premium	– Value Healthline: Rs 1,957 to Rs 24,919 – Freedom Healthline: Rs 3,801 to Rs 72,916 – Enrich Healthline: Rs 5,265 to Rs 90,212 Premiums depend on the selected sum assured, age of insured members, policy tenure, basis of selected plan and number of members covered. (Floater plans – premium based on the age of the oldest member)
Discounts	6% for a 2 yr. tenure; 12% for a 3 yr. tenure
Co-payment	10% – Only on the Value Healthline Plan for members over 55 yrs.
Coverage	The following expenditures are met within the preferred sum assured: – Inpatient hospitalization expenditures: 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-hospitalization expenditures: Up to 30/60 days respectively (Value Plan) and Up to 60/90 days respectively (Freedom or Enrich Plans) – Domiciliary hospitalization expenditures: Up to 7 days – AYUSH treatment – Organ donor hospitalization expenditures- Ambulance charges: Rs 1,000 (Value Plan) and Rs 2,000 (Freedom or Enrich Plans) – Health-check costs: On completing 3 / 2 claim-free year (Freedom/Enrich schemes respectively) – Pre-existing diseases: After a 4-years waiting period
Add-on Covers	Enrich Healthline Plan:

2. Chola Swasth Parivar Health Insurance Plan

This policy features two sub-plans viz.

• Pearl
  
  
• Royale

Basis	Family floater
Sum Assured	INR 3, 4 or 5 lacs
Premiums	INR 5,005 to INR 10,351
Co-payment	15% compulsory; 10% voluntary (at non-network hospitals)
Coverage	– Inpatient hospitalization expenses: Room charges: 1% of chosen sum assured ICU: 1.5% of chosen sum assured (per day) – Expenditures of treating medical professionals, consumables, etc. needed for treatment – 141-day care procedures – Pre/Post-hospitalization expenditures: Up to 30/60 days respectively – Day care treatment: At network hospitals only – Pre-existing illnesses: After 4 years waiting period.
Add-on Covers	Personal Accident Cover: Death and Total Permanent Disablement: INR 7.5 to 10 lakhs (self) and INR 3.75 to INR 5 lakhs (spouse); INR 1.5 to INR 2 lakhs (per child) Partial Permanent Disablement: INR 3.75 to INR 5 lakhs (self) and INR 1.87 to INR 2.5 lakhs (spouse); INR 75,000 to INR 1 lakh (per child)

3. Chola Tax Plus Healthline

Entry Age	18 years to 65 years.; 3 months for children
Medical Screening	Necessary for entrants above 55 years.
Sum Assured	INR 1 to 5 lakhs in increments of INR 1 lakh No-claim Bonus: 5% enhancement in chosen sum assured for every claim-free year, maximum 50%
Coverage	– Inpatient hospitalization expenses: Room charges: 1% of the chosen sum assured (per day) ICU charges: 2% of the chosen sum assured (per day) – Pre-hospitalization expenditures: Up to 60 days (maximum 5% of actuals) – Post-hospitalization expenditures: Up to 90 days (maximum INR 50,000) – Ambulance expenditures: INR 3,000 per hospital stay – Cataract: 7.5% of chosen sum assured (maximum 20,000) per eye – Hernia: 10% of selected sum assured (maximum 30,000) – Fistula/Piles: 10% of selected sum assured (maximum 30,000) – Sinusitis: 10% of selected sum assured (maximum 30,000) – Tonsillitis / Adenoids: 15% of selected sum assured (maximum 40,000) – Knee/Joint Replacement Procedures: 50% co-payment – Outpatient cover – Pre/Post-Natal Expenditures- Pre-existing diseases: After 4-years waiting period – Dental – Treatment under branches of Indian medicine (not naturopathy) – Prescription spectacles, contact lenses, prosthetics, hearing aids etc.

4. Chola MS Family Healthline Insurance

This policy comprises the following plans:

• Standard
  
  
• Superior
  
  
• Advanced

The primary features are common in all schemes but the amount and depth of coverage differs along with the premium payable.

Entry Age	From 18 to 65 years, 3 months for children
Medical Screening	Necessary for entrants above 55 years
Basis	Family Floater (Family includes self, spouse, dependent children)
Sum Assured	– Standard: INR 2 to 5 lakhs in increments of INR 1 lakh – Superior: INR 4 to 10 lakhs in increments of INR 2 lakhs – Advanced: INR 6 to 12 lakhs in increments of INR 2 lakhs; INR 15 lakhs No-claim Bonus: 5% enhancement of selected sum assured for every claim-free year
Premium	– Standard: INR 5,845 to INR 1,42,297 – Superior: INR 10,516 to INR 2,47,593 – Advance: INR 18,707 to INR 3,50,661 Depends on age of insured (based on the oldest member), selected sum assured, selected plan and family size i.e. up to two adults and 3 children
Co-Payment / Discounts	10% discount on premiums if 10% co-payment is opted for
Coverage	– Inpatient hospitalization expenditures: Room charges (per day): Up to INR 3,000 (Standard), Up to INR 3,000 for INR 4 lakh cover or 1% of the selected sum assured for INR 6, 8 or 10 lacs cover (Superior) or 1% of the sum assured (Advanced) – Daily Cash Allowance: INR 250 (Standard) and INR 500 (Superior and Advanced); per day, up to 7 days, deductible of 1 day – Accompanying a child: INR 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 selected sum assured (Standard or Superior or Advanced respectively), once after 2 claim-free years – Ambulance expenditures: INR 1,000 or INR 2,000 or INR 3,000 (Superior and Advanced, respectively), once a policy year, per insured member – Domiciliary hospitalization: 15% or 25% of the preferred sum assured, maximum INR 75,000 or INR 1 lac (Superior and Advanced, respectively) – Maternity Expenditures: After a 5-years waiting period, INR 15,000 or INR 25,000 (Superior and Advanced, respectively) – 141 daycare procedures – Specific Ayurvedic treatment: Up to 7.5% of the preferred sum assured, 20% co-payment – Dental: After a 3-years the waiting period, 1% of the preferred sum assured maximum INR 5,000, 30% co-payment – External Aids: 1% of the preferred sum assured, maximum INR 5,000, every 2nd year, 30% co-payment – Cataract (per eye): 7.5% of the preferred sum assured, maximum INR 20,000 – Hernia: 10% of the preferred sum assured, maximum INR 30,000 – Fistula/Piles: 10% of the preferred sum assured, INR Rs.30,000 – Sinusitis: 10% of the preferred sum assured, maximum INR 30,000 – Tonsillitis: 15% of the preferred sum assured, maximum Rs 40,000 (Cataract or Tonsillitis: Covered under Standard Plan within the limitations mentioned above; Cataract covered only under Superior Plan; Cataract Tonsillitis: Covered under Advance Plan on actual basis)
Benefits	Chola MS Wellness Service: INR 350 or INR 500 per individual (SMS reminders)

5. Chola MS Individual Healthline Insurance Policy

Tailored to the protection of the individual, it offers three coverage options under the plans named Standard, Superior, and Advanced. The sub-limits applicable on different expenditures depend on the plan selected by the proposer and the coverage option therein.

Entry Age	From 18 to 65 years; 3 months for children
Renewability	Necessary for above the age of 55 yrs.
Medical Screening	Necessary for those above the age of 55 yrs.
Sum Assured	– Standard: INR 1 to 5 lacs in increments of INR 1 lac – Superior: INR 3.5 to 5.5 lacs in increments of INR 1 lakh – Advanced: INR 4.5, 5.5, 7.5 or 10 lacs No-claim Bonus: 5% increase in sum assured, every claim-free year
Premiums	– Standard: INR 2,619 to INR 31,688 – Superior: INR 3,136 to INR 32,304 – Advanced: INR 5,320 to INR 56,181
Discounts	10% discount for 10% voluntary co-payment
Coverage	– Inpatient hospitalization expenditures: Room charges: Up to INR 1,000 or INR 3,000 per day depending on chosen coverage (Standard); Up to INR 3,000 per day (Superior); Up to INR 3,000 or 1% of preferred sum assured depending on chosen coverage – Pre/post-hospitalization expenditures: Up to 60 / 90 days – Ambulance expenditures: INR 1,000 or INR 2,000 or INR 3,000 (Standard, Superior, Advanced, respectively) – 141 daycare procedures – Daily Cash Allowance (hospitalization): INR 250, maximum 7 days (Standard); INR 500, maximum 7 days (Superior); INR 500, maximum 14 days (Advanced) per day, deductible: 1 day – Health-check costs: 0.5% or 0.75% or 1% of preferred sum assured (Standard, Superior, Advanced respectively), every 2nd claim-free years – Cash Allowance for accompanying a hospitalised minor (Superior/Advanced): INR 250 per day, maximum 14 days; deductible: 1 day – Domiciliary hospitalization: 15% (maximum INR 70,000) or 25 (maximum INR1 lakh) of the chosen sum assured (Superior/Advanced respectively) – Maternity Expenditures: Up to INR 25,000 or INR 40,000 (Superior/Advanced respectively) – Ayurvedic Treatment: Up to 7.5% of preferred sum assured; 20% co-payment (Advanced) – OPD Dental: 1% of preferred sum assured, maximum INR 5,000; 30% co-payment (Advanced) – External Aids: 1% of preferred sum assured, maximum INR 5,000; 30% co-payment; (Advanced) Cataract (per eye): 7.5% of the preferred sum assured, maximum INR 20,000 – Hernia: 10% of the preferred sum assured, maximum INR 30,000 – Fistula/Piles: 10% of the preferred sum assured, maximum INR 30,000 – Sinusitis: 10% of the preferred sum assured, maxmum INR 30,000 – Tonsillitis: 15% of the preferred sum assured, maximum INR 40,000 (Cataract to Tonsillitis: covered under the Standard Plan within limitations cited above; Cataract only covered under the Superior scheme; Cataract to Tonsillitis: covered under the Advanced Plan based on actuals)
Benefits	Chola MS Wellness Service: INR 350 or INR 500 per individual (SMS reminders)

6. Chola MS Top-Up Healthline Insurance Policy

This is a health insurance policy that enhances the coverage of a basic health plan. Taken in addition to a current policy, the coverage becomes more comprehensive.

There are 7 coverage choices like Plan A, B, C, D, E, F, and G. Every plan has a deductible which is the amount that the proposer carries on eligible claims. Sub-limits on the different expenditures covered under this policy also differ according to the preferred plan.

Entry Age	From 18 to 65 years; 3 months for children
Policy Period	1, 2 or 3 years
Renewability	Lifetime
Medical Screening	Necessary above the age of 55 years
Basis	Individual or Floater
Sum Assured	Plan A: INR 50,000; applicable deductible: INR 30,000 Plan B: INR 2 lacs; applicable deductible: INR 1 lac Plan C: INR 3 lacs; applicable deductible: INR 2 lacs Plan D: INR 5 lacs; applicable deductible INR 3 lacs Plan E: INR 6 lacs; applicable deductible: INR 4 lacs Plan F: INR 10 lacs; applicable deductible: INR 5 lacs Plan G: INR 15 lacs; applicable deductible: INR 5 lacs
Premiums	– 1-year policy: INR 2,472 to INR 14,029 – 2 years policy: INR 4,749 to INR 27,244 – 3 years policy: INR 6,808 to INR 38,802 Premiums are based on the oldest insured member and depend on the preferred sum assured, number of insured members, age and policy tenure.
Coverage	– Inpatient hospitalization expenditures: Including charges for treating medical professionals, consumables, equipment, supplies, OT, etc. Up to INR 80,000 (A); INR 3 lakhs (B); INR 5 lakhs (C), INR 8 lakhs (D), INR 10 lakhs (E), INR 15 lakhs (F), INR 20 lakhs (G) Room charges: INR 500 (A), INR 2,000 (B), INR 4,000 (C), INR 5,000 (D), INR 6,000 (E), INR 7,500 (F), INR 10,000 (G) – Pre-hospitalization expenditures: Up to 60 days, maximum 5% of actuals – Post-hospitalization expenditures: Up to 90 days, maximum 10% of actuals (up to INR 50,000) – Ambulance costs: Up to INR 3,000 per hospitalization – Pre-existing diseases: After a 4-years waiting period

7. Chola MS Critical Healthline Insurance Plan

This plan can be taken in addition to a basic health scheme as the coverage becomes more comprehensive. Basic plans do not cover critical diseases while this scheme particularly targets such events.

There are two choices depending on the number of critical illnesses covered:

1. Standard Plan: Covers 10 illnesses

2. Advanced Plan: Covers 12 illnesses

Entry Age	From 18 to 65 years; 5 years for children
Renewability	Lifetime
Medical Screening	Necessary above the age of 55 years
Basis	Individual
Sum Assured	INR 3, 5 or 10 lacs
Premium	Advanced:
Coverage	Standard Plan:Advanced Plan

8. Chola MS Hospital Cash

This policy offers holders a way to meet expenses during hospitalization. The three medical insurance plans mentioned below offer varying levels of coverage. Customers can avail of this policy depending on their affordability considering the range of premiums charged under Plan A, Plan B, or Plan C.

hospitalization expenses in this case include ICU charges and extended stay, and the payout is given as a lump sum once claims are successfully processed.

Entry Age	From 18 to 65 years; 3 months for children
Renewability	Lifetime
Medical Screening	Necessary above the age of 55 years
Premium	– Plan A: INR 762 to INR 6,817 – Plan B: INR 1,317 to INR 13,355 – Plan C: INR 1,872 to INR 19,893
Discounts	5% for every additional member covered, maximum 10%
Coverage	– hospitalization Cash Benefits:: INR 1,000 (A), INR 2,000 (B), INR 3,000 (C); per day – ICU charges: INR 2,000 (A), INR 4,000 (B), INR 6,000 (C); per day – Convalescence Benefit: Lump sum payment; INR 10,000 (A), INR 15,000 (B), INR 20,000 (C); per day – Pre-existing diseases: After a 4-years waiting period

9. Chola MS Individual Health

This plan gives the client a chance to enhance their coverage by paying an additional premium.

Entry Age	From 18 to 65 years
Policy Period	1 year
Renewability	Lifetime
Medical Screening	Necessary above 45 yrs.
Sum Assured	INR 1, 1.5, 2, 3, 4, 5, 7.5 or INR 10 lakhs No-claim Bonus: 5% enhancement of sum assured for every claim-free year; maximum 50%
Premium	Basic: INR 1,643 to INR 24,555 Basic + Extra: INR 1,811 to INR 29,200 Premiums depend on preferred coverage and age of insured member
Discount	Family discount: On the sum of the total premium for other members covered
Coverage	– Inpatient hospitalization expenditures: Room, services of medical professionals, consumables, equipment, supplies, etc. – Pre/Post-hospitalization expenditures: Up to 60/90 days respectively – Pre-existing diseases: After a 4-years waiting period – Ambulance expenses: Depending on the preferred sum assured – 141-day care procedures
Add-on Covers	Extra Health Cover for extra premium (sub-limits apply)
Benefits	Chola MS Wellness Health Alerts Service

10. Chola MS Family Health Insurance

This is similar to an individual policy but is provided on a floater basis to cover not only the proposer but also his/her whole family.

Entry Age	Up to 65 years
Renewability	Lifetime
Medical Screening	Not Necessary
Basis	Floater
Sum Assured	INR 2 to 5 lacs
Premium	INR 5,223 to INR 18,173
Coverage	– Inpatient hospitalization expenditures: Room, services of medical professionals, consumables, equipment, supplies, etc. – Pre/Post-hospitalization expenditures: Up to 60/90 days respectively – Pre-existing diseases: After a 4-years waiting period – Daily Cash Allowance – Domiciliary nursing – Ambulance expenditures: Depending on the preferred sum assured – 141-day care procedures – External Aids
Benefits	Chola MS Wellness Health Alerts Service

All health assurance and mediclaim policies must be read in conjunction with their individuals’ terms and conditions. It should also be remembered that every plan lists certain exclusions i.e. events or circumstances that may disqualify claims.

*GST and other expenditures are to be considered wherever applicable.

The procedure for Filing a Claim with Chola MS Health

Settlement of claims is subject to notification of the claim by the insured member to Chola MS and approval of the claim in accordance with the terms and conditions of the policy. Policyholders can have 2 kinds of health insurance claims with Chola MS Health:

• Cashless Claim: Visit any network hospital of Chola MS Health and present your health card at the TPA helpdesk along with a photo identity card and examination reports. The hospital will submit a pre-authorization request form to Chola MS Health. After approval, the hospital will start cashless treatment for the insured member and the insurer will pay the medical bill directly with the hospital.

• Reimbursement Claim: Pay the hospital bills in advance from your own pocket. At the time of discharge, gather all the original medical documents and submit them to the insurance company along with the duly filled reimbursement claim form. The claim will be either approved or rejected according to the terms and conditions of the policy.

Chola MS Health Insurance Incurred Claims Ratio (2017-18)

Net Earned Premium (in Crore)	Net Claims Paid (in Crore)	Incurred Claims Ratio (in %)
Rs.339.16 crore	Rs.135.53 crore	39.96%

What is Covered in Cholamandalam MS Health Insurance Schemes?

What specific covers do you get when you buy a Mediclaim policy from Cholamandalam MS Health Insurance? Here is your answer:

• Hospital Cover – All your inpatient expenditures are reimbursed when you have Chola MS Health Insurance Scheme. This is a very good benefit as you get coverage for room rent, doctor’s fees, surgery expenses, diagnostic tests, and all other expenses incurred during surgery or hospitalization due to an illness. This cover is useful at both network hospitals as well as non-network hospitals.
  
  
• Pre-Hospital Cover – You can cover your pre-hospital expenses. If you require medical assistance before 30/60 days of hospitalization, you can get the expenditures covered under Chola MS Health Insurance Policy.
  
  
• Post-hospital cover – Every policyholder can get coverage for post-hospital medical expenses. This helps you recover better and more healthily. Your post-hospitalization expenditures up to 60/90 days from the date of discharge are covered.
  
  
• Domiciliary cover – You can get reimbursement for domiciliary care, which is nothing but home healthcare. This is an essential and very crucial cover that you earn under the medical insurance schemes of Cholamandalam MS Health Insurance.
  
  
• Daycare cover – You also obtain daycare treatment coverage under these health schemes. Over 100 daycare procedures are covered here, including cataract operations and dialysis.
  
  
• Critical Illness Cover – If you are diagnosed with a critical disease, you can have the separate sum assured. You can utilize these funds for any purpose as there is no restriction.
  
  
• Accident Cover – Personal accident cover is available under Cholamandalam MS Health Insurance schemes. In fact, this cover is the most popular cover available from this insurance provider.
  
  
• AYUSH Cover – If you want to get alternative medical treatment like AYUSH treatment, you can claim on your Cholamandalam MS health insurance policy. This is another cover offered to Chola MS policyholders.
  
  
• Ambulance Cover – A very important coverage that you get under the Cholamandalam MS Health Insurance Plan is the ambulance cover. You can obtain your ambulance expenditures repaid when you have a policy from this medical insurance company.
  
  
• These are the main covers available under Cholamandalam MS Health Insurance Schemes. However, each plan has a specific set of covers and you need to understand the policy wording to understand what type of health insurance you can claim under your Cholamandalam MS Health Insurance Policy.

What is not Covered in Cholamandalam MS Health Insurance Schemes?

There are some exclusions cited under medical insurance schemes from Chola MS. These include the following:

• Self-harm or attempted suicide
  
  
• Harm or illness because of substance abuse, including drug and alcohol abuse
  
  
• Diseases arising from pre-existing disorders
  
  
• Claims made before the expiry of the waiting period
  
  
• Congenital diseases and sexually transmitted diseases such as AIDS/HIV
  
  
• Dental procedures, treatments and surgeries
  
  
• Cosmetic procedures, treatments and surgeries
  
  
• Experimental treatment performed on the policyholder and any complications arising from it.
  
  
• War, invasion, acts of foreign enemies, rebellion, etc.
  
  
• If you require hospitalization for any of the above reasons, you may not be able to make a successful claim on your health insurance policy.

How to Purchase a Cholamandalam MS Health Insurance Scheme?

If the benefits and covers of the Cholamandalam MS Health Insurance Scheme interest you, consider getting a good health plan from this company. Here are some ways in which you can get the best Cholamandalam MS Health Insurance Scheme:

• Buying directly from the company – Your first option is to purchase a plan straight from the company. You can visit any branch of Cholamandalam MS Health Insurance and get any health insurance scheme of your preference. Fill out the application form, pay the premium and you will obtain your health coverage.
  
  
• Purchase from an Insurance Agent – ​​You can also purchase a health plan from a Cholamandalam MS Health Agent. The agent will charge the brokerage and in turn, tell you about the various policies and help you choose the plan that suits you best. The agent will also deposit the premium check on your behalf. He or she can also help you at the time of the claim or when you need to renew medical insurance coverage.
  
  
• Purchase from Company Portal – Cholamandalam MS Health Insurance has a very advanced and easy-to-use website. You can buy the health plan of your choice directly from the insurance provider’s website. Read the policy brochure and get the scheme of your preference.
  
  
• Purchasing from an insurance aggregator – There are some very fine insurance aggregator websites that offer Cholamandalam MS health insurance schemes. You can make a quick comparison, discover your ideal plan, pay the health insurance premium and get the plan issued in your name.

As you can see, there are several ways in which you can purchase medical insurance coverage from Chola MS. Choose the option that suits you and get a good mediclaim plan instantly.

The Renewal Process of Cholamandalam MS Health Insurance Schemes

Renewing Cholamandalam MS Health Insurance Plans is very easy. There are again several options through which this can be done:

• Online – You can renew Cholamandalam MS Health Insurance Scheme online from their official website. It is a quick and easy procedure. All you have to do is enter your policy number, access our plan, and pay the premium and your coverage will be renewed instantly.
  
  
• Through your agent – You can also renew the medical insurance policy through your insurance agent. Notify the agent of your desire to renew. He will assist you with the paperwork and deposit the renewal check on your behalf and your insurance coverage will be renewed.
  
  
• By Visiting a Branch – The renewal procedure can also be done offline. You need to visit any branch of Cholamandalam MS and renew your mediclaim plan immediately.

The renewal process is quite simple. You should not delay in renewing your plan, as lapsed health coverage will be of no use to you.

Cholamandalam MS Health Insurance Contact Information

Toll-free number	1800-208-5544 is the toll-free number to call with your queries.
Email	If you wish to send an email to the company, you can write here:[email protected].
Mail	If you want to post a complaint, here is the address:No. 102A, Ground Floor Leela Business Park, Marol, Andheri East, Mumbai, Maharashtra 400059.
Branch locator	Locate the nearest one.

Documents Required for Cholamandalam Health Insurance Reimbursement Claims

Following documents should be submitted for a compensation claim to Cholamandalam MS General Insurance Company:

• Duly completed and signed claim form in original
  
  
• Original discharge summary on hospital letterhead with doctor’s seal and signature along with details of treatment
  
  
• Original main hospital bill with the breakdown as per cost
  
  
• Original payment receipt and inspection reports
  
  
• All pharmacy bills with related prescriptions
  
  
• Apply stickers or invoices where applicable
  
  
• In case of Road Traffic Accident (RTA), a copy of FIR and/or Medico Legal Certificate (MLC) will be required.
  
  
• ID proof and residence of beneficiary for claims above Rs 1 lac

FAQs – Cholamandalam MS Group Health Insurance