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    Chola MS Health Insurance

    Car Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Chola MS General Insurance Company offers an extensive range of insurance products such as motor, marine, property, rural, travel insurance, etc. Chola MS Health Insurance is one of their well-known insurance products in the market. At present, they have 150 branches across the country.

     

    Features & Benefits of Chola MS Health Insurance

    • Cashless services: Policyholders can avail direct cashless claim services at the empanelled network hospital that is closest to their locality
    • Lifetime coverage: All the plans offered by Chola MS come with an added lifelong renewability option
    • Daycare: Customers will be eligible to avail more than 140-day care treatments
    • Easy purchase and renewal online
    • Tax benefit under Section 80D

    Plans provided by Chola MS Health Insurance

    Plan Name Plan Basis(individual, family, etc) Sum Insured (Min and Max) Policy Term
    Chola Healthline Individual and Family  
    Value Healthline Min: Rs.2 lakh Max: Rs.10 lakh
    Freedom Healthline Min: Rs.3 lakh Max: Rs.15 lakh
    Enrich Healthline Min: Rs.3 lakh Max: Rs.25 lakh
    Privilege Healthline Min: Rs.5 lakh Max: Rs.25 lakh
    1, 2 or 3
    Chola Swasth Parivar Insurance Individual and Family Min: Rs.3 lakh Max: Rs.5 lakh 1, 2 or 3
    Chola Tax Plus Healthline Individual and Family Min: Rs.1 lakh Max: Rs.5 lakh 1, 2 or 3
    Chola MS Family Healthline Insurance Family Min: Rs.2 lakh Max: Rs.15 lakh 1, 2 or 3
    Individual Healthline Insurance Individual Min: Rs.3 lakh Max: Rs.10 lakh 1, 2 or 3
    Chola Topup Healthline Individual and Family Min: Rs.50,000 Max: Rs.15 lakh 1, 2 or 3
    Chola MS Critical Healthline Insurance Individual and Family Min: Rs. 3 lakh Max: Rs. 10 lakh 1, 2 or 3
    Chola Classic Health Individual and Family Min: Rs.5 lakh Max: Rs.10 lakh 1, 2 or 3

    Chola Healthline

    The Chola Healthline policy is a comprehensive plan for both individuals and families. This plan comes with a reimbursable sum insured option and a wide range of add-ons. There are 4 variants of this plan: Value Healthline, Freedom Healthline, Enrich Healthline, and Privilege Healthline.

    Unique Features of Chola Healthline

    • There are 4 variants of this plan: Value Healthline, Freedom Healthline, Enrich Healthline, Privilege Healthline
    • This policy covers hospitalization costs, other treatment fees, daycare, pre, and post-hospitalization expenses, domiciliary costs during one policy year for 7 days, AYUSH treatments, organ expenses, ambulance
    • Maternity, newborn baby expenses and dental, eye and ear-related issues are covered only under the Privilege Healthline plan
    • Child hospitalization costs are covered only under the Enrich Healthline plan
    • The Enrich and Privilege plans provide coverage for additional/extended hospitalization and also offer a double sum insured benefit
    • Health check-up plans are not covered in all other plans except the Value Healthline plan
    • All plans offer cumulative bonus

    Plan Details

    Policy term 1, 2, or 3
    Entry Age Between 18 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range  
    Value Healthline Min: Rs.2 lakh Max: Rs.10 lakh
    Freedom Healthline Min: Rs.3 lakh Max: Rs.15 lakh
    Enrich Healthline Min: Rs.3 lakh Max: Rs.25 lakh
    Privilege Healthline Min: Rs.5 lakh Max: Rs.25 lakh
    Premium Depends on various factors such as age, gender, etc
    Medical Screening As mentioned in the policy document
    Co-Payment 10% only for Value Healthline
    Waiting Period 30 days but may vary depending on coverage provided
    No Claim Bonus Yes
    Discounts Location-wise discount

    Chola Swasth Parivar Insurance

    The Chola Swasth Parivar Insurance plan comes with an affordable premium option for both families and individuals.

    Unique Features of Chola Swasth Parivar Insurance

    • This plan comes with lifelong renewal and good coverage options at economical rates
    • Coverages provided include room rent, pre, and post-hospitalization expenses, day care, hospitalization expenses, dressing costs, medicine, nursing, surgical fee etc
    • The other coverage options include protection against personal accidents

    Plan Details

    Policy term 1, 2 or 3
    Entry Age 3 months to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.3 lakh Max: Rs.5 lakh
    Premium Depends on age, gender, and, other factors
    Medical Screening Not a must until 55 years of age
    Co-Payment 15%
    Waiting Period 30 days but may vary depending on coverage provided
    No Claim Bonus Yes

    Chola Tax Plus Healthline

    The Chola Tax Plus Healthline insurance plan covers hospitalization and non-hospitalization expenses.

    Unique Features of Chola Tax Plus Healthline

    • Tax benefit applicable under Section 80D of the Income Tax Act
    • This policy covers room, ICU, pre, and post-hospitalization, ambulance charges, etc.
    • All dental treatments are applicable to be covered
    • Other benefits include cover for any injuries, illnesses, pre and post-natal care, allopathic treatments, eye-related expenses for contact lenses, spectacles, hearing aids

    Plan Details

    Policy term 1, 2 or 3
    Entry Age 18 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.1 lakh Max: Rs.5 lakh
    Premium Varies based on age, gender, etc
    Medical Screening Must for those above 55
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days but may vary depending on coverage provided
    No Claim Bonus Yes

    Chola MS Family Healthline Insurance

    The Chola MS Family Healthline Insurance is a designed to give good coverage to families and covers maternity expenses, dental and eye-related expenses.

    Unique Features of Chola MS Family Healthline Insurance

    • Tax benefit, lifelong renewal
    • Cashless claim benefit, customizable policy
    • No third-party administrator involved
    • Coverage for as many as 141-day care treatments
    • Other benefits include free pre, and post-hospitalization expenses, emergency ambulance, room, ICU, nursing charges, home hospitalization
    • The plan will also pay for Ayurvedic treatments, spectacles, contact lenses, dental treatments, hearing aids
    • Maternity expenses are covered but with a waiting period of 5 years
    • Daily cash allowance in case of hospitalization, health check-up

    Plan Details

    Policy term 1, 2 or 3
    Entry Age 3 months or 65 years
    Plan Basis Family
    Sum Insured Range Min: Rs.2 lakh Max:Rs.15lakh
    Premium Depends on age, gender, sum insured, etc
    Medical Screening Must for those above 55
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days but may vary depending on coverage provided
    No Claim Bonus Yes

    Individual Healthline Insurance

    The Individual Healthline Insurance plan provides good coverage options on an individual basis.

    Unique Features of Individual Healthline Insurance

    • Covers incidental expenses along with hospitalization expenses
    • Maternity benefits applicable
    • Tax benefit included
    • Coverage provided for contact lens, spectacles, hearing aids
    • Health check-up, including eye check-up
    • Lifelong coverage

    Plan Details

    Policy term 1, 2 or 3
    Entry Age 3 months to 65 years
    Plan Basis Individual
    Sum Insured Range Min: Rs.3 lakh Max: Rs.10 lakh
    Premium Depends on factors such as age, sum insured, etc
    Medical Screening Must for those above 55 years
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days but may vary depending on coverage provided
    No Claim Bonus Yes

    Chola Topup Healthline

    This is basically a topup insurance policy that can be purchased if there is a need for a higher coverage amount for both individuals and families.

    Unique Features of Chola Topup Healthline

    • 7 types of sum insured options
    • Coverage for hospitalization expenses such as room, ICU, doctor fee, nursing, pre, and post-hospitalization, ambulance expenses, etc
    • Lifelong renewal, tax benefit applicable
    • Cashless hospitalization
    • No third-party administrator

    Plan Details

    Policy term 1, 2 or 3
    Entry Age 3 months to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.50,000 Max: Rs.15 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Must for those above 55 years
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days, 48 months for pre-existing diseases
    No Claim Bonus Yes

    Chola MS Critical Healthline Insurance

    The Chola MS Critical Healthline Insurance policy is specifically designed to cover certain specified critical illnesses.

    Unique Features of Chola MS Critical Healthline Insurance

    • There are two plans offered by Chola MS Critical Healthline Insurance: Standard and Advanced.
    • The Standard plan provides coverage to 10 illnesses, while the Advanced plan provides coverage to 12 specified illnesses

    Plan Details

    Policy term 1, 2 or 3
    Entry Age 5 to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs. 3 lakh Max: Rs. 10 lakh
    Premium Depends on sum insured, age, etc
    Medical Screening As mentioned in the policy document
    Co-Payment As mentioned in the policy document
    Waiting Period 90 days
    No Claim Bonus Yes

    Chola Classic Health

    The Chola Classic plan is designed for both individuals and families and provides comprehensive coverage for all members under a single sum insured. This plan can also be taken on an individual basis.

    Unique Features of Chola Classic Health

    • Coverage for pre, and post-hospitalization, room charges, AYUSH and other alternative treatments, ambulance fee, day care treatments, daily allowances, home nursing, external aids
    • ICU charges, doctor fee, operation theatre, medicine costs
    • Other coverages include artificial limbs, aids, and appliances

    Plan Details

    Policy term 1, 2 or 3
    Entry Age 3 months to 65 years
    Plan Basis Individual and Family
    Sum Insured Range Min: Rs.5 lakh Max: Rs.10 lakh
    Premium Depends on age, sum insured, etc
    Medical Screening Must for those above 55 years of age
    Co-Payment As mentioned in the policy document
    Waiting Period 30 days
    No Claim Bonus Yes

    Checklist before Buying Chola MS Health Insurance

    • Check the claim settlement ratio
    • Finalize on the coverage amount as per health needs
    • Read the policy document
    • Keep all documents ready

    Documents Required for Purchasing Chola MS Health Insurance

    • ID proof
    • Address proof
    • Medical certificates, if asked

    Reasons to choose Chola MS Health Insurance

    Comprehensive coverage
    Customizable plans
    Unlimited room rent on select plans

    Incurred Claim Ratio of Chola MS Health Insurance

    The incurred claim ratio refers to the total number of claims that are settled by the insurance company in a particular year. This number is usually calculated using a formula and is given out as a percentage.

    Year Incurred Claim Ratio
    2015-16 44.56%

    Extra Benefits from Chola MS Health Insurance

    Health Alerts Available exclusively only to policyholders, this feature provides health tips to customers through SMS alerts.
    Live help online For any assistance purposes, help will be provided live through the website on a 24/7 basis.

    Chola MS Health Insurance Renewal

    To renew policies, log on to the website and click on the ‘renew’ option and proceed to make payment.

    Chola MS Health Insurance Network Hospitals for Cashless Treatment

    Avail cashless network services across the country at their empanelled set of hospitals. Log on to their website to locate the nearest network hospital.

    Claim Procedure in Chola MS Health Insurance

    Cashless claim:

    • Inform the insurance provider immediately
    • Seek prior approval, provide health card
    • Bills will be paid by the insurance company directly to the network hospital

    Reimbursement claim:

    • Fill claim form
    • Bills, invoices, and discharge summary should be kept ready
    • Submit the relevant documents along with the claim form
    • Reimbursements will be made within 7 working days

    Terms and Conditions of the Insurer

    • The insurance provider has the right to withdraw the policy at any point of time if any information provided by the policyholder is untrue, misrepresented or concealed.
    • Incomplete claim forms will not be processed
    • Reimbursement claims will not be processed until documentary evidence in the form of bills, invoices and discharge summary is not provided

    Chola MS Health Insurance Reviews

    • review Health Insurance
      "Good Service Provider"
      0.5 4.0/5 "Great!"
      Cholamandalam helps me always, whenever I approach them related to the health policy they respond well. I paid the premium around Rs. 18k they gave sum assured value of Rs. 4 lakhs for 2 person. They do have cashless service, they got tie up network of hospitals. When my wife got admitted stomach aliment, they gave cash less treatment.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 15, 2018
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