Cholamandalam Health Insurance FAQs

If you need any claim-related help, you can call Cholamandalam MS at their 24x7 customer helpline number 1800-208-5544 or email them at customercare@cholams.murugappa.com. You can also call InsuranceDekho's customer care executives at toll-free number 7551-196-989.

Yes, any policyholder needs to be hospitalised for at least 24 hours in a hospital to be eligible for a claim. Only in the case of daycare treatments or procedures, the admission for less than 24 hours is considered for a claim.

The documents that you need to present for the settlement of your claim are :

• Duly filled claim form
• Certificate from the doctor
• Medicine prescriptions and bills
• Diagnosis and test reports like CBC, ECG, x-ray etc.
• Discharge details and reports
• Final receipts from the hospital

The Claim Settlement Ratio of Cholamandalam MS General Insurance Company for FY 2021-22 is 95%.

Critical Healthline is the name of the critical illness plan offered by the Cholamandalam MS.

Yes, the medical checkup is required but only after 55 years of age.

The sum insured amount of Cholamandalam MS critical illness plan ranges from Rs. 3 lakh to Rs. 10 lakh.

The critical illness plan of Cholamandalam MS covers different types of diseases such as:

• Cancer of specified severity
• Major organ/bone marrow transplant
• Primary pulmonary hypertension
• Kidney failure requiring regular dialysis
• Stroke resulting in permanent symptoms
• Open chest CABG
• Permanent paralysis of limbs
• Surgery f aorta and so on

You can get up to 4 children covered between the age of 90 days and 26 years under the family floater plan of Cholamandalam MS.

No sub-limits are present under the family floater plan of Cholamandalam MS.

Yes, the Cholamandalam MS offers the coverage for the expenses of pre-hospitalisation and post-hospitalisation for 60 and 90 days respectively.

Individuals willing to insure their health along with their family members should buy Cholamandalam MS family health insurance Healthline Policy. Under family floater sum insured basis, the policy provides cover for self, spouse and dependent children.

It is advisable to change the sum insured amount at the time of policy renewal since health insurance companies including Cholamandalam MS does not allow any change during the policy tenure of family health insurance.

Easy claim settlement, the cashless facility at 8,000+ network hospitals, lifelong policy renewal, sum insured range up to Rs. 25 Lakh, 6% and 12% long term policy discount, 10% discount on the premium from Tier 2 locations, 5% cumulative bonus, tax benefits as per Section 80D and others are the prime advantages of buying Cholamandalam MS family health insurance.

When it comes to coverage, Cholamandalam MS family health insurance Healthline Policy grants coverage for in-patient hospitalisation expenses, pre & post hospitalisation expenses, AYUSH coverage, emergency ambulance expenses, domiciliary hospitalisation expenses, organ donor hospitalisation, cumulative bonus, maternity expenses & newborn baby hospitalisation (according to the variant), and various other expenses at an affordable premium rate.

Yes! Under Section 80D of the Income Tax Act, 1961, a policyholder having Cholamandalam MS family health insurance can avail tax deduction for the policy premium paid.

Domiciliary hospitalisation expenses are covered for a maximum of 7 days per insured person per policy year.

Yes, a cumulative bonus of 5% of the sum insured is offered for every claim-free year. The bonus can be provided for a maximum of up to 50% of the sum insured.

Yes, Cholamandalam MS General Insurance Company provides a separate plan known as Chola Hospital Cash Healthline to offer hospital cash benefit to the customers.

Yes, Cholamandalam MS provides discounts to the policyholders on specific plans.

The toll-free number of Cholamandalam MS General Insurance Company is 1800-208-5544.

Yes, purchasing the health insurance policy online is not only safe, but also saves a lot of time. For any assistance regarding the policy purchase online, you can call toll-free number of InsuranceDekho at 17551-196-989.

Cholamandalam MS offers comprehensive health insurance plans under different categories such as Hospitalisation plans, Critical Illness plans, Super Top Up plans, and Daily Benefit plans. Together these policies take care of different medical situations faced by almost every individual. Hence, it is considered a good option while purchasing a health insurance policy for yourself or your family.

Yes, a 15 day period is allowed from the date of receipt of policy to review the terms and conditions of the policy and to return the same, if not acceptable.

Yes, under three plans of Cholamandalam Healthline which are Freedom Healthline, Enrich Healthline and Privilege Healthline, the health checkup expenses are covered once after 3, 2 and 2 claim-free years, respectively.

Any individual below 65 years of age can buy Cholamandalam MS individual health insurance Healthline Policy to get themselves covered on an individual sum insured basis. The policy is available in 4 variants and covers the medical expenses of the insured individual in a comprehensive form. Thus, any person who needs health and financial security can buy this plan.

If you have Cholamandalam MS individual health insurance and want to change the sum insured amount, it is advisable to wait until the policy renewal time. Remember, health insurance policies, Chola MS as well does not allow any changes to be done during the policy tenure.

When you buy Cholamandalam MS individual health insurance, you gain multiple advantages. Some of the key ones include lifelong policy renewal, sum insured range up to Rs. 25 Lakh, 6% and 12% long term policy discount, 10% discount on the premium from Tier 2 locations, 5% cumulative bonus, easy claim settlement, a cashless facility at 8,000+ network hospitals, tax benefits as per Section 80D and many more.

Healthline Policy, Cholamandalam MS individual health insurance provides coverage for in-patient hospitalisation expenses, pre & post hospitalisation expenses, domiciliary hospitalisation expenses, AYUSH coverage, emergency ambulance expenses, organ donor hospitalisation, cumulative bonus, maternity expenses & newborn baby hospitalisation (as per the variant), and more.

Yes! Under Cholamandalam MS individual health insurance, a policyholder is eligible to avail tax benefits as per Section 80D of the Income Tax Act, 1961.

The entry age for kids under the Cholamandalam MS plans start from 90 days.

Yes, kids are provided with the coverage of 141 daycare treatments and procedures.

Parents looking forward to safeguarding the health of their dependent children without losing their financial stability should buy kids health insurance, the Healthline Policy from Cholamandalam MS.

It is advisable to make any sum insured change at the time of policy renewal rather than policy tenure of your Cholamandalam MS kids health insurance policy.

One of the key advantages of Chola MS kids health insurance is that the plan covers dependent kids who are 90 days and above and up to 26 years of age. Apart from newborn baby hospitalization, child hospitalization allowance is also provided. The plan offers comprehensive cover with sum insured up to Rs. 25 Lakh, the cashless facility at 8000+ network hospitals, quick and easy claim settlement, lifelong renewability, long-term plan purchase discount, 10% discount on premium for insured individuals from Tier 2 locations, cumulative bonus, etc.

The Chola MS kids health insurance policy, Healthline Policy provides cover for newborn baby expenses as well as child hospitalization allowance per hospitalization. Other key features covered include in-patient hospitalisation expenses, pre & post hospitalisation expenses, emergency ambulance expenses, 141 day care expenses, organ donor hospitalisation, cumulative bonus, domiciliary hospitalisation expenses, AYUSH coverage, health checkup expenses and more.

Yes! Under the Section 80D of the Income Tax Act, 1961, a policyholder of kids health insurance by Chola MS is eligible for tax benefits.

Cholamandalam MS offers the maternity expenses up to Rs. 1 lakh per delivery.

Yes, the Privilege plan of Cholamandalam MS provides the coverage of maternity expenses for its women policyholders. In addition to this, they also offer newborn baby hospitalisation expenses within the sum insured amount of the insured mother.

Women and couples planning to start a family soon should buy Chola MS maternity health insurance policy.

If you want to change the sum insured of your Cholamandalam MS maternity health insurance policy, make sure you do so at the time of policy renewal and not during the policy tenure.

One of the key advantages of Cholamandalam MS maternity health insurance policy, Healthline Policy is that it provides cover for maternity expenses up to Rs. 1 Lakh per delivery. What’s best is that the policy also covers newborn baby expenses. Other than the same, the prime advantages of the policy are sum insured up to Rs. 25 Lakh, cashless facility at 8000+ network hospitals, lifelong renewability, long-term plan purchase discount, quick and easy claim settlement, cumulative bonus, 10% discount on premium for the insured individual from Tier 2 locations, and more.

Healthline Policy, the ultimate Cholamandalam MS maternity plan provides cover for maternity expenses, newborn baby expenses as well as child hospitalization allowance per hospitalization. In-patient hospitalisation expenses, pre & post hospitalisation expenses, 141 day care expenses, organ donor hospitalisation, emergency ambulance expenses, cumulative bonus, domiciliary hospitalisation expenses, AYUSH coverage, health checkup expenses are some of the prime coverage benefits offered under the plan.

Yes! Under Section 80D of the Income Tax Act, 1961, a policyholder of Chola MS maternity insurance plan can avail tax benefits for the premium paid.

The Cholamandalam MS offers different health insurance plans under which you can find the coverage for your parents such as Chola Healthline, Chola Critical Health, and Chola Hospital Cash Healthline.

Different plans have different criteria regarding pre-policy medical checkup. Under the Cholamandalam MS Healthline Plan, only people above 45 years of age are required to go through a pre-medical checkup, while under Chola MS Critical Healthline people above 55 years are required to go through the medical tests for seeking the health insurance plan.

People below 65 years of age are eligible for buying Cholamandalam MS parents health insurance policy Healthline to secure themselves financially during an unexpected medical emergency situation. In case of a critical illness, Chola Critical Health would be a better choice.

If you have the Cholamandalam MS parents health insurance plan and you want to change the sum insured amount, it is advisable to do so at the time of policy renewal rather than during the policy tenure so that your request is not rejected by the insurer.

Sum insured options up to Rs. 25 Lakh, cashless facility, huge list of network hospital to avail medical benefits, lifelong renewability, discount on long-term plan purchase, cumulative bonus, health checkup expenses, 10% discount on premium for insured individual from Tier 2 locations, grace period of 30 days, and 15 days free look period are some of the prime advantages of parents health insurance from Cholamandalam MS.

Cholamandalam MS parents health insurance provides cover for a list of features. Some of the vital expensed covered under the policy include in-patient hospitalisation expenses, pre & post hospitalisation expenses, domiciliary hospitalisation expenses, 141 day care expenses, emergency ambulance expenses, cumulative bonus, organ donor hospitalisation, AYUSH coverage, health checkup expenses as per the variant extended hospitalization allowance, double sum insured for critical illness & accidents, etc.

Yes! Under Cholamandalam MS parents health insurance, a policyholder can gain tax benefits as per Section 80D of the Income Tax Act, 1961.

Yes, pre-hospitalisation and and post-hospitalisation expenses for 30 and 60 days are covered under the Chola Value Healthline Plan. On the other hand, under other policies of Chola Healthline, the pre and post hospitalisation expenses are covered for 60 and 90 days.

Yes, Cholamandalam MS gives the coverage for Ayush treatments and procedures under several plans, where admission in the hospital doesn’t exceed more than 24 hours.

Cholamandalam MS complies with the guidelines of the IRDA to process the feature of portability.

You can avail the portability feature only at the time of renewal and not any other time.

Generally, the premium amount of up to Rs. 25,000 are eligible for tax benefit under Section 80D of the Income Tax Act 1961. However, if an individual buys a policy for a senior citizen, then tax benefits can be applied up to Rs. 30,000 and can reach to Rs. 50,000 premium amount if a senior citizen purchases a health insurance plan for self.

Factors which determine the value of premium of Cholamandalam MS plans are as follows:

• Gender
• Sum insured
• Policy term
• Age of insured
• Medical history
• Number of members

Yes, Cholamandalam MS health insurance firm provides different types of discounts to its policyholders such as:

• Discount on long term policy purchase such as 6% on a 2-year policy and 12% on a 3-year policy
• Floater Premium discount based on the age of a senior-most member of the family
• Discount based on the location, where insured individuals from Tier 2 cities are eligible to gain a discount of 10% on the premium

You can pay the premiums of Cholamandalam MS plans in different modes such as cash, cheque, credit or debit cards or through digital payment gateways.

Yes, people above the age of 45 years and 55 years are required to go through pre-medical tests to get covered under Chola Healthline and Chola Critical Healthline plans respectively.

The maximum limit is Rs. 50,000 up to which senior citizens are waived off from tax.

Senior citizens below the age of 65 years must get themselves covered under Cholamandalam MS senior citizen health insurance policy so as to secure their finances against unexpected medical emergencies. If the senior citizen has a risk for critical illness, buying Chola Critical Health would be better.

No, you cannot! Health insurance companies do not allow any sum insured change during the policy tenure. So, if you want to change the sum insured amount of your Cholamandalam MS senior citizen health insurance, it would be best to do so at the time of policy renewal.

Some of the key advantages of Cholamandalam MS senior citizen health insurance plan include vast sum insured range up to Rs. 25 Lakh, cashless facility, huge list of network hospital to avail medical benefits, a grace period of 30 days, 15 days free look period, lifelong renewability, discount on long-term plan purchase, cumulative bonus, health checkup expenses, 10% discount on premium for insured individual from Tier 2 locations, etc.

Cholamandalam MS senior citizen health insurance, Healthline Policy provides cover for in-patient hospitalisation expenses, pre & post hospitalisation expenses, domiciliary hospitalisation expenses, emergency ambulance expenses, organ donor hospitalisation, AYUSH coverage, cumulative bonus, 141-day care expenses, extended hospitalization allowance, double sum insured for critical illness & accidents, health checkup expenses as per the variant and more.

Yes, a Chola MS senior citizen health insurance policyholder can avail tax benefits according to Section 80D of the Income Tax Act, 1961 for the premium paid.

The maximum limit is Rs. 50,000 up to which senior citizens are waived off from tax.

To avail the tax benefit on the premium of Cholamandalam MS health plans, the policyholders have to make the payment of their premium through any mode other than cash.

The sum insured amount of Chola Super Top-up Insurance Plan ranges from Rs. 3 lakh to Rs. 25 lakh.

The deductible amount ranges between Rs. 1 lakh and Rs. 20 lakh under the Chola Super Top-up Insurance Plan.

Yes, Chola MS offer a top-up policy to its customers with the name of Chola Top-up Healthline.

The sum insured amount ranges from Rs. 50,000 to Rs. 15 lakh, and the deductibles range from Rs. 30,000 to Rs. 5 lakh under top-up plan of Cholamandalam MS.

Cholamandalam MS allow the entry of women till 65 years of age with the lifelong renewability option.

Yes, women are provided with an option of specialist opinion for any listed critical illness under Cholamandalam MS plan.

Parents looking forward to safeguarding the health of their dependent children without losing their financial stability should buy kids health insurance, the Healthline Policy from Cholamandalam MS.

If you want to make any change to your Chola MS woman health insurance policy, it is advisable to request the same during the time of policy renewal and not during the policy tenure.

Comprehensive cover, sum insured up to Rs. 25 Lakh, lifelong renewability, cashless facility at 8000+ network hospitals, hassle-free claim settlement, long-term plan purchase discount, 10% discount on premium for insured individual from Tier 2 locations, cumulative bonus, cover for maternity expenses along with newborn baby cover are some of the major advantages of the plan.

Cholamandalam MS woman health insurance policy offers coverage for maternity expenses, newborn baby expenses as well as child hospitalization allowance per hospitalization. Other features covered under the plan include in-patient hospitalisation expenses, pre & post hospitalisation expenses, bonus, organ donor hospitalisation, domiciliary hospitalisation expenses, 141 day care expenses, emergency ambulance expenses, cumulative AYUSH coverage, health checkup expenses and more.

Yes! A policyholder with having a Cholamandalam MS woman health insurance policy is eligible for tax benefits as per Section 80D of the Income Tax Act, 1961. a