Chola Swasth Parivar Insurance – Royale Plan

PERSONAL ACCIDENT COVER

Day Care Treatments

Not just your hospitalization but your treatments taken in the day-care center are also well covered.

Pre Hospitalization

Medical expenses incurred immediately before the insured individual is hospitalized are covered under this benefit. Usually, expenses up to 30 to 90 days before hospitalization are covered under the policy only after the in-patient hospitalization claim is accepted by the insurance company.

Post Hospitalization

Medical expenses incurred immediately after the hospitalization are covered under this benefit.The coverage under this benefit would be available only for approved in-patient hospitalization claim is accepted by the insurance company. Usually, expenses up to 30 to 180 days post discharge are covered under the policy.

PORTABILITY

TAX BENEFITS

SUM ASSURED ENHANCEMENT

Emergency Ambulance

Includes coverage for expenses on ambulance for hospitalization of the insured.

Dental Coverage

Includes coverage for out-patient dental treatment expenses.

FREE LOOK PERIOD

Room Rent / Room Category

Hospitals have a fixed tariff or rate chart for all rooms. Mediclaim depends on the amount of room rent limit specified in the policy document. The amount varies depending on the type of room category chosen.

Co-Payment

The fixed amount the policyholder has to pay for covered services when they get the service. When both insured and insurer pay part of the medical expenses, it is called as cost sharing. This is applicable based on the policy you choose.

Sub-Limits

Includes the limits up to which specific conditions are covered under your policy. These limits are applicable for packaged treatments or some specific ailments listed in the policy.

Cooling Off Period

The period begins right after commencement of the policy within which you cannot claim for any illness except claims related to accident. This period is not applicable for subsequent renewals.

Specific Illness

The ailments of specific severity listed in the policy document are included under this category.

Pre-Existing Illnesses

The ailments that the insured was already diagnosed with before taking the policy.