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Cholamandalam MS General Insurance

Chola MS General Insurance Co. Ltd. (IRDA Reg. No 123) headquartered in Chennai, is a leading insurance company in India. Cholamandalam was established about 10 years ago, in 2005, their values truth, transparency, and technology forming the foundation of the multi-faceted company.

Presence in over 90 centers PAN-India and an agent network that is 7000 strong.

Chola MS has a number of products such as different kinds of insurance, business protection solutions, etc. Cholamandalam Health insurance is very popular amongst their customer base due to their high level of customer satisfaction through optimized operational processes and innovative vision.

Interesting Facts about Cholamandalam MS General Insurance

  • Cholamandalam MS was established in 2005
  • Cholamandalam MS General Insurance Company recorded a gross written premium of Rs.1,346.5 crores in 2011-2012
  • Cholamandalam MS General Insurance Company’s business is wide spread around 8,500 crore which includes sanitary ware, fertilizers, plantation etc. The company’s motto is trust, transparency and technology

Product Portfolio - Cholamandalam MS General Insurance

Health Insurance

Any sickness can make things worst in one’s life. To add to it, the inflation has taken a toll on the medical expenses going over the roof top. In situations like these, your only savior to maintain your finances is health insurance. For anything as expensive and urgent like emergency surgeries and medical care can be borne by a good health insurance policy. Right from the doctors’ visits, hospitalization to any medical emergencies are taken care by the Health insurance policy. This would ensure that your savings too are untouched during any medical emergencies thrown upon you or any of your family members. Know More about Health Insurance provided by Cholamandalam Health Insurance See what Cholamandalam Health Insurance has to offer:

Value Healthline: This is most basic of all the health insurance plans offered by Cholamandalam MS. Under the individual category, the coverage offered is Rs.2 lakh for individuals up to age 65 years. Under the family floater plan, the coverage offered if Rs.2 lakh to the entire family. Pre and post hospitalization expense cover, coverage for day care procedures, coverage for domiciliary treatments, etc. are other benefits provided in this plan. No-claim bonus equal to 5 % of sum insured up to a maximum of up to 25 % is provided after every claim free year. There are two variables (freedom health line and enrich health line) of this plan. Co-payment/ co-pay (percentage of sum insured to be paid by individual out of pocket before any claim) of 10% is applicable for individuals above age 55 years. Sub-limits (limits on room-rent coverage, ICU charges, etc.) are applicable in this plan.

Freedom Healthline: This is an advanced variant of Value Healthline, which offers wider coverage. Under the individual category and the family floater plan, the coverage offered is Rs.3 lakh and 7.5 lakh for individuals up to 18 and 65 years.
Pre and post hospitalization expense cover, coverage for day care procedures, etc. are benefits provided in this plan. Compared to basic plan this plan offers pre-hospitalization cover for a longer period. No-claim bonus equal to 5 % of sum insured up to a maximum of up to 50 % is provided after every claim free year. Additionally, this plan does not have any sub-limits or co-payment option.

Enrich Healthline : This is a health insurance plan with daily cash benefit. Under the individual category and the family floater plan, the coverage offered is Rs.3 lakh and 10 lakh for individuals up to 65 years.
Basic coverage like pre and posts hospitalization expense cover, coverage for day care procedures, etc. is provided in this plan. However, compared to other variables this plan offers additional benefits like child hospitalization allowance and extended hospitalization allowances (payment of lump sum amount in case of more than 10 days of hospitalization). No-claim bonus equal to 50 % of sum insured up to a maximum of up to 100 % is provided after every claim free year. This policy offers additional coverage in case of diagnosis of critical illness or accident (the sum insured is doubled in both the cases).

Standard Healthline: This is basic health insurance plan with sub-limits offered by Cholamandalam, here are details of coverage offered. This is a health plan that offers coverage in the range of Rs.3 lakh and Rs.5 lakh for individuals and for family floater plan between age 18 years and age 65 years. Basic coverage like pre and post hospitalization expenses, daily cash for shared accommodation, etc. are the benefits provided in this plan. Sub-limits are applicable in this plan.

Superior Healthline : This is health insurance plan with coverage for maternity expenses. This is a health plan that offers coverage in the range of Rs.3.5 Lakh and Rs.5.5 Lakh for individuals and Rs.4 lakh and Rs.10 lakh for family floater plan between age 18 years and age 65 years. Coverage for pre and post hospitalization expenses, daily cash for shared accommodation, etc. are the benefits provided in this plan. In addition to this basic cover this plan also provides coverage for domiciliary hospitalization, maternity expenses, etc. Sub-limits are applicable in this plan.

Advanced Healthline: This is a health plan that offers coverage in the range of Rs.3.5 Lakh and Rs.5.5 Lakh for individuals between age 18 years and age 65 years and Rs.4 lakh and Rs.10 lakh for family floater plans Coverage for pre and post hospitalization expenses, daily cash for shared accommodation, coverage for domiciliary hospitalization, maternity expenses, etc. are the benefits provided in this plan. In addition to this basic cover this plan also provides coverage for OPD expenses, Ayurveda treatments, etc. Sub-limits are applicable in this plan.

Chola Tax Plus Healthline: This health insurance plan is specifically for individual buying health insurance for tax benefits. The coverage is offered in two sections: Section I– Provides coverage for hospitalization expenses in the range of Rs.1 lakh and Rs.5 lakh. Pre and post hospitalization expenses, day care procedures, etc. are basic benefits provided in this section. Section II– Provides coverage for outpatient medical expenses (OPD).The coverage offered under this section is dependent on the section I cover and age of the insured member. No claim will enhance sum insured under section I by 5 % up to a maximum of 50 %.

Chola Top-up Healthline: This is a top-up plan (these plans have an agreed upon deductible amount to be paid at the time of claim) for individuals between age 18 years and 65 years. Coverage offered is in the range of Rs. 50,000 and Rs.15 lakh with deductibles in range of Rs.30,000 and Rs.5 lakh. There are seven variables of this plan, which offers a different sum insured and deductible values. Basic covers like pre and post hospitalization expenses, Ambulance charges, etc. are provided in this plan. Sub-limits are applicable for both individual and family floater coverage.

Chola Hospital Cash Healthline: This is a benefit plan, which ensures that additional expenses during hospitalization period are covered. This is a special plan, which offers daily cash during hospitalization for maximum of 20 days, double of daily cash in case of admission in ICU and lump sum amount after 20 days of hospitalization per policy year. Individuals between age 18 years and 65 years and dependent children between age 3 months and 36 years can be covered in this policy. This plan offers 5% increase in daily cash up to a maximum of 50 % after claim free year. The plan has three variables plan A, plan B and plan C which offers different daily cash allowance.

Chola MS Standard Critical Healthline: This is a benefit plan, which offers coverage upon diagnosis of Critical illness.
This is a special plan, which offers coverage in case of critical illness in the range of Rs.3 lakh and Rs.10 lakh for individuals between age 5 years and 65 years.The plan offers lump sum amount after diagnosis of insured person with any of the 10 listed critical illnesses.

Chola MS Advance Critical Healthline: This plan is a variable of Standard Critical Care Healthline, which offers coverage in case of critical illness in the range of Rs.3 lakh and Rs.10 lakh for individuals between age 5 years and 65 years. The plan offers lump sum amount after diagnosis of insured person with any of the 12 listed critical illnesses and also covers ambulance charges in such cases.

Chola Accident Protection Plan : This is a personal accident disability plan offered by Cholamandalam MS. This is a special plan, which provides accidental cover in the range of Rs.5 lakh and Rs.1 crore for individuals between age 18 years and 69 years. Accidental death, permanent total disability, permanent partial disability, etc. can be covered under this policy. The coverage offered is based on the annual income of the proposer.

Chola Swasth Pariwar: Pearl plan- This is a family floater plan, which offers basic coverage in case of hospitalization. It covers health cost of the entire family in the range of Rs.3 lakh and Rs.5 lakh.Proposer and spouse between age 18 years and 65 years and a maximum of 2 dependent children in the age of 3 months and 26 years can be covered in this policy. Pre and post hospitalization expense cover, coverage for day care procedures, etc. are benefits provided in this plan.There are three variables of this plan, which offers different sum insured or coverage. This plan has co-pay of 15% (percentage of claim amount to be paid by the proposer) and additional 10 % co-pay for treatments in non-networked hospital (except cases of accident).

Chola Swasth Pariwar: Royal plan- This is family floater plan, which covers health cost of the entire family in the range of Rs.3 lakh and Rs.5 lakh. Proposer and spouse between age 18 years and 65 years and a maximum of 2 dependent children in the age of 3 months and 26 years can be covered in this policy. Pre and post hospitalization expense cover, coverage for day care procedures, etc. are benefits provided in this plan. The plan offers coverage under two sections:

  • Section I – Covers basic hospitalization expenses.

  • Section II – Provides accidental coverage.

There are three variables of this plan, which offers different sum insured or coverage. This plan has 15% co-pay which is applicable for any claim and additional 10 % co-pay for treatments in non-networked hospital (except cases of accident).

Motor Insurance

Cholamandalam offers different insurance policies for private vehicles, commercial and also covers third party liability. This would help the owner of the insured vehicle a complete peace of mind.

Cholamandalam Private Car Package Policy: This comprehensive package policy for private vehicle covers any loss or damage incurred to the insured vehicle, additionally, covers third party liability. Cholamandalam also provides few add-on covers to boost up the core policy.

Cholamandalam Two Wheeler Insurance: Cholamandalam provides two-wheeler insurance covering loss or damage that may happen to your two-wheeler and it also covers any third party loss or damage caused by the insured vehicle. The plans are quite affordable for a common man with assured services.

Cholamandalam MS Health Insurance Claims Process

There are two ways to make claim under a Health Insurance Policy: on cashless basis and on reimbursement basis. In simple terms, for making a claim on cashless basis, the treatment must be done only at a network hospital of the insurance company servicing your policy. For availing the treatment, you would have to first seek an authorization as per the procedures laid down and in the prescribed form. In case of claims on reimbursement basis, the insurance company has to be informed as per their prescribed procedures. The policyholder has to ensure that documents such as claim form, discharge summary, prescriptions and bills to be submitted for the claim on reimbursement are obtained after hospitalization. Chola MS Health Insurance has a well-defined claim processing system.

Cashless Service: seeking Pre-Authorization

  • Complete the pre-authorization form available at the hospital’s insurance/TPA Desk.
  • Send the completed form via email or fax.
  • The claim management team will send approved letter. Remember that the claim management team could send an inquiry to the hospital or you before authorization.
  • In case the authorization is rejected, initiate the treatment and file for reimbursement claim.

Reimbursement Claim: Claim Submission

  • Complete the necessary form and submit along with required documents, as per the policy terms and conditions.
  • Necessary documents include discharge summary, prescriptions, bills etc.
  • The claim management team will send approved letter. Remember that you will be answerable to any queries raised by the claim management team before the letter is issued.
  • In case the claim is rejected, the team will communicate the reasons. In case of any emergencies, you need to inform Chola MS within 24 hours of the admission. In case of planned emergencies, the notification has to reach the company 48 hours prior to the hospitalization. The claim intimation can be done via Chola MS's toll free number 1800-200-5544. The same could also be emailed to customercare@cholams.murugappa.com. Note: If you are a Coverfox customer, you can directly reach out to us for all your claim-related issues and queries.

Review of Cholamandalam MS General Insurance

Chola MS Health Insurance offers wide-ranging health coverage that takes care of your overheads associated with hospitalization and domiciliary to facilitate the enhanced financial health in the course of an unexpected medical exigency. With 105 branches and over 9000 agents across the country, the company claims of user-friendliness and unswerving customer service. With diverse coverage plans suiting every individual, Chola MS undeniably has potential to be ranked as one of the best insurance companies of India.

Contact Details of Cholamandalam MS General Insurance Company

Contact Details: 1800 - 200- 5544 (toll free)

Email: customercare@cholams.murugappa.com

Registered address: Cholamandalam MS, General Insurance Company Ltd., 2nd Floor, "Dare House", No. 2, NSC Bose Road, Chennai - 600001, India.