Cholamandalam MS Health Insurance Plans

Company Overview

Cholamandalam MS General Insurance Company Ltd. is a joint venture between Murugappa Group and Mitsui Sumitomo Insurance Group of Japan. It offers a plethora of insurance products including Accident, Engineering, Health, Liability, Marine, Motor, Property, Travel and Rural insurance for individuals and corporate. The company has received many accolades which includes,the best insurance company for “In time Claims Settlement for the year 2011-12” in the Rashtriya Swasthya Bima Yojana (RSBY) scheme run by the Ministry of Labour & Employment, Government of India.

The Claim Settlement Ratio of the company for the year 2018-19 is 77%.

Snapshot Of Cholamandalam MS Health Insurance Plans

Plan Name	Plan Type	Min/Max Age	Min/Max SI	Availability	Plan Tenure
Chola Healthline	Individual/Family Floater	Adult: 18 years – 65 years Child: 3 months – 26 years	Min SI: 2 Lakh Max SI: 10 Lakh	Online/Offline	Min: 1 year Max: 3 years
Chola MS Family Healthline Insurance	Family health plan	Adult: 18 years – 65 years Child: 3 months – 35 years	Min SI: 2 Lakh Max SI: 15 Lakh	Offline	Min: 1 year Max:
Chola MS Individual Healthline Insurance	Individual	Adult: 18 years – 65 years Child:	Min SI: 3 Lakh Max SI: 10 Lakh	Offline	Min: 1 year Max:
Chola Swasth Parivar Insurance	Individual/Family Floater	Adult: 18 years – 65 years Child: 3 months – 26 years	Min SI: 3 Lakh Max SI: 5 Lakh	Offline	Min: 1 year Max:
Chola Tax Plus Healthline Insurance	Individual/Family Floater	Adult: 18 years – 65 years Child: 3 months – 35 years	Min SI: 1 Lakh Max SI: 5Lakh	Online/Offline	Min: 1 year Max:
Chola Top up Healthline	Individual/Family Floater	Adult: 18 years – 65 years Child: 3 months – 35 years	Min SI: 50,000 Max SI: 15Lakh	Online/offline	Min: 1 year Max:
Chola Hospital Cash Healthline	Individual/Family Floater	Adult: 18 years – 65 years Child: 3 months – 35 years	Min SI: 1,000 Max SI: 3,000	Offline/Online	Min: 1 year Max: 3 years
Chole Classic Health- Family Floater	Family Floater	Adult: 18 years – 65 yearsZ Child: 3 months – 26 years	Min SI: 1 Lakh Max SI: 5Lakh	Offline	Min: 1 year Max: 3 years
Chole Classic Health-Individual	Individual	Adult: 18 years – 65 years Child:	Min SI: 0.5 Lakh Max SI: 5Lakh	Offline	Min: 1 year Max: 3 years
Chola Aarogya Bima Policy	Individual/Family Floater	Adult: 18 years – 65 years Child: 3 months – 35 years	Min SI: 10,000 Max SI: 50,000	Adult:18 years – 65 years Child: 3 months – 35 years	Min: 1 year Max:

Reasons for buying Cholamandalam MS Health Insurance Plans

Sudden illnesses, injuries, or any medical emergencies can burn a hole in your pocket, owing to the rising medical costs. A good health insurance policy covers you against financial burden due to medical emergencies. Cholamandalam MS General Insurance Company offers several health insurance plans that provide comprehensive health coverage for you & your family.

Main USP’s of Cholamandalam MS Health Insurance Plans are :

Double coverage for accidents and critical illness
No Pre policy medical test till age 45
Lifetime coverage
Cashless hospitalization at 5000+ hospitals across India
20 main critical illnesses covered (on selected health plans)
Unlimited room rent (on selected health plans)
Lifetime renewal
Tax benefit under section 80 (D)
24x7 claim assistance and easy claim settlement

Key Benefits of Cholamandalam MS Health Insurance Plans

Cover for Domiciliary hospitalization
Cover for 140+ Day-care procedures
Pre and post hospitalization charges, up to 30 days prior to hospitalization & up to 60 days after discharge from hospital
Covers in-patient hospitalization treatment for a minimum stay of 24 hours
Organ donor expenses incurred towards harvesting the organ are covered
Specified Day Care Procedures are covered
Domiciliary hospitalization is covered
Additional inbuilt critical illness benefit is available
Ambulance charges are covered
Income Tax Benefits under section 80of IT Act for the premiums paid

Value Added Benefits under Cholamandalam MS Health Insurance Plans

If no claims are made on your health cover in a particular year, you will be entitled for special benefits through an increment in the sum insured when you renew the policy the following year.
A history of no claims is rewarded with a free medical check up
Medical expenses incurred under AYUSH treatment are covered.
Grab exclusive discounts at pharmacies, labs, hospitals, etc.
Get e-health card for cashless hospitalization and enjoy discounts