What are the sum insured options available under Chola Accident Protection Policy?

Chola Accident Protection Policy comes with sum insured options ranging between Rs. 5 Lakh and Rs. 1 crore that the insured can choose as per your requirement.

What is covered under the Permanent Total Disability benefit offered under the Accident protection Policy?

In case of accidental injury that causes the insured Permanent Total Disability and such disability continues for 12 consecutive months, then the insurer will pay the insured a percentage of sum insured as specified below: Loss of sight of both eyes-up to 100% of sum insured Loss of two entire hands or two entire feet-up to 100% of sum insured Loss of one entire hand and one entire foot-up to 100% of sum insured Loss of sight of one eye and such loss of one entire foot, or hand-up to 100% of sum insured Complete loss of hearing of both ears and complete loss of speech-up to 100% of sum insured Complete loss of hearing in both ears or complete loss of speech and loss of one limb or loss of sight of one eye-up to 100% of sum insured

What am I covered for under the Permanent Partial Disability benefit in the Chola Accident Protection Policy?

In case of an accidental injury that leads to Permanent Partial Disability, which leads to disability has continued for 12 continuous months, then the company will pay the insured the percentage of sum insured as specified below: Loss of toes: all-20%, great: both phalanges-5%, great: one phalanx-2%, other than great, if more than one toe lost, each-2% Loss of hearing-both ears-60% Loss of hearing-one ear-30% Loss of speech-60% Loss of 4 fingers and a thumb of a hand-40% Loss of 4 fingers-35% Loss of thumb: both phalanges: 25%, phalanx-10% Loss of index finger-3 phalanges or 2 phalanges or 1 phalanx-10% Loss of middle finger-3 phalanges or 2 phalanges or 1 phalanx-6% Loss of ring finger-3 phalanges or 2 phalanges or 1 phalanx-5% Loss of little finger-3 phalanges or 2 phalanges or 1 phalanx-4% Loss of metacarpals-1st or 2nd, 3rd, 4th or 5th-3% Sense of smell-10% Sense of taste-5% Sight of one eye-50% One hand-50% One foot-50%

What is the age criteria to be covered under Chola Accident Protection Policy?

Any person who is aged between 18 years and 69 years can buy this policy. You can also cover dependent children aged up to 25 years, under the family option.

Can I avail tax benefits under Section 80D of the Income Tax Act, 1961 on the premium paid for this policy?

No. There are no tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961.

Cholamandalam MS Accident Protection Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 70 minutes
Claim Settlement Ratio	94%
Network Hospitals	12,000+
Pre-existing Disease Waiting Period	3 years
Special Benefits	High Coverage
Starting Premium of Rs. 5 lakhs SI	Rs. 407/month

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Cholamandalam Health Insurance Plan List

Family (3)
Individual (2)
Critical Illness (1)
Kids (1)
Maternity (1)
Parents (1)
Senior Citizen (1)
Woman (1)

Name of Plan	Sum Insured
Flexi SupremePopular		Check Premium
Arogya Sanjeevani Policy Min: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
COVID-19 PolicyMin: 3 months; Max: 65 yearsPopular	1 Lakh - 5 Lakh	Check Premium
Accident Protection PolicyMin: 6 months; Max: 69 years	5 Lakh - 1 Crore	Check Premium
Flexi Health PolicyMin: 3 months; Max: 65 years	1 Lakh - 25 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 lakh	Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years	50,000 - 5 lakh	Check Premium
Hospital Cash Healthline PolicyMIn: 3 Months; Max: 65 Years	1000/day	Check Premium
Critical Healthline PolicyMIn: 5 Years; Max: 65 Years	3 Lakh	Check Premium
Healthline Policy Min: 90 Days; Max: 65 Years	1 Lakh	Check Premium

Cholamandalam Health Insurance Top Up List

Top-up (2)

Name of Plan	Sum Insured
Super Top-up Insurance PlanMIn: 3 Months; Max: 70 Years	3 Lakh	Check Premium
Top Up Healthline PolicyMin: 3 Months; Max: 65 Years	50 Thousand	Check Premium

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FAQs on Accident Protection Policy Health Insurance Plan

What are the sum insured options available under Chola Accident Protection Policy?
Chola Accident Protection Policy comes with sum insured options ranging between Rs. 5 Lakh and Rs. 1 crore that the insured can choose as per your requirement.
What is covered under the Permanent Total Disability benefit offered under the Accident protection Policy?
In case of accidental injury that causes the insured Permanent Total Disability and such disability continues for 12 consecutive months, then the insurer will pay the insured a percentage of sum insured as specified below:

Loss of sight of both eyes-up to 100% of sum insured

Loss of two entire hands or two entire feet-up to 100% of sum insured

Loss of one entire hand and one entire foot-up to 100% of sum insured

Loss of sight of one eye and such loss of one entire foot, or hand-up to 100% of sum insured

Complete loss of hearing of both ears and complete loss of speech-up to 100% of sum insured

Complete loss of hearing in both ears or complete loss of speech and loss of one limb or loss of sight of one eye-up to 100% of sum insured
What am I covered for under the Permanent Partial Disability benefit in the Chola Accident Protection Policy?
In case of an accidental injury that leads to Permanent Partial Disability, which leads to disability has continued for 12 continuous months, then the company will pay the insured the percentage of sum insured as specified below:

Loss of toes: all-20%, great: both phalanges-5%, great: one phalanx-2%, other than great, if more than one toe lost, each-2%

Loss of hearing-both ears-60%

Loss of hearing-one ear-30%

Loss of speech-60%

Loss of 4 fingers and a thumb of a hand-40%

Loss of 4 fingers-35%

Loss of thumb: both phalanges: 25%, phalanx-10%

Loss of index finger-3 phalanges or 2 phalanges or 1 phalanx-10%

Loss of middle finger-3 phalanges or 2 phalanges or 1 phalanx-6%

Loss of ring finger-3 phalanges or 2 phalanges or 1 phalanx-5%

Loss of little finger-3 phalanges or 2 phalanges or 1 phalanx-4%

Loss of metacarpals-1st or 2nd, 3rd, 4th or 5th-3%

Sense of smell-10%

Sense of taste-5%

Sight of one eye-50%

One hand-50%

One foot-50%
What is the age criteria to be covered under Chola Accident Protection Policy?
Any person who is aged between 18 years and 69 years can buy this policy. You can also cover dependent children aged up to 25 years, under the family option.
Can I avail tax benefits under Section 80D of the Income Tax Act, 1961 on the premium paid for this policy?
No. There are no tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961.

Claim Process at Cholamandalam Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Cholamandalam Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Cholamandalam Health Insurance
1800-208-554424x7
customercare@cholams.murugappa.com