Chola MS Health Insurance Policy Benefits and Features | Cholamandalam MS General Health Insurance Review

Life is a surprise package of happiness, joys and challenges. Sudden illness, medical emergencies and accidental injuries can happen anytime. These things drain us emotionally, the medicinal and hospitalisation expenses can burn a hole in your pocket. Health insurance policy is mandatory to covers you and your family from sudden financial burden caused by emergencies. A good health insurance plan ensures peace of mind and eliminates financial worries of health problems. Chola MS Health Insurance Policy is the best Health Policy which provides security for you and your family.

Chola MS Health Insurance Policy Review

Health insurance can be availed by any individual between the ages of eighteen to sixty-five to undergo treatment in India. Cholamandalam Health Insurance is a comprehensive health Insurance Policy. This Policy coverage the expenses related to hospitalisation, medical emergencies. Buying a health Insurance plan at Chola MS is convenient now. You can buy health insurance plan through online from Chola MS official website.

Chola MS Mediclaim Various Plans

The Chola Ms Health Insurance offers financial support for their customers with various types of Health Insurance Plans. There are 10 types of Medical Insurance Plans provided by Cholamandalam Health Insurance Policy. Those Medical Plans details are given below.

1. Chola Healthline.
2. Chola Swasth Parivar.
3. Tax Plus Healthline.
4. Family Healthline.
5. Individual Healthline.
6. Top Up Healthline.
7. Critical Healthline.
8. Hospital Cash.
9. Individual Health Insurance.
10. Chola Family Health Protection Plan.

Chola Healthline Plan – Chola MS Health Insurance Policy

The Chola Healthline Insurance Plan is a comprehensive Health Insurance Policy which offers coverage for Individual or families on as well as Floater Sum Insured basis. The customer can cover along with your Dependent Children, Spouse and Parents. If you opt for Individual Cover then you can include your siblings and Parents-in-law too. UIN – IRDA/NL-HLT/CMSGI/P-H/V.I/51/13-14 is the unique identification number for this Cholamandalam Health Insurance policy. For more details regarding this Chola MS Plan, click on the Chola Healthline Insurance Plan Brochure provided here.

Chola Swasth Parivar Insurance Plan

The Chola Swasth Parivar Insurance is a comprehensive Health insurance which offers insurance cover hospitalisation expenses for families and Personal Accident cover for your family on the basis of individual Sum Insured. The premium for this Health Insurance policy is extremely economical. UIN – IRDA/NL-HLT/CHSGI/P-H/V.I/156/13-14 is the unique identification number for this Cholamandalam Health Insurance policy. For more details regarding this Chola MS Plan, click on the Chola Swasth Parivar Insurance Plan Brochure provided here.

Cholamandalm Insurance Tax Plus Healthline Plan

The Chola Tax Plus Healthline Insurance Policy is meant for offering medical insurance coverage for hospitalisation and non-hospitalisation expenses. This policy can be issued for families and individuals on the basis of floater sum insured. The Chola Tax Plus Healthline policy comes with fixed premium options. UIN – IRDA/NL-HLT/CHSGI/P-H/V.I/226/13-14 is the unique identification number for this Cholamandalam Health Insurance policy.

Chola MS Family Healthline Insurance Plan

Chola MS Family Healthline Insurance Policy is an ideal Family Healthline insurance Plan suited for young families. Comprehensive and versatile, this Health insurance plan provides cover for a range of medical needs including Maternity, Ayurvedic treatments, Eye care and Dental besides regular covers offered by a standard Mediclaim policy. This Medical Policy covers you, your children and spouse with a Floater Sum insured. UIN – IRDA/NL-HLT/CHSGI/P-H/V.I/153/13-14 is the unique identification number for this Cholamandalam Health Insurance policy. For more details regarding this Chola MS Plan, click on the Chola MS Family Healthline Insurance Plan Brochure provided here.

Cholamandalm Individual Healthline Insurance Plan

Individual Healthline insurance Plan from Chola MS Health Policy is a comprehensive Medical Insurance product that not only provides coverage for Hospitalisation expenses but also offers covers for other incidental expenses associated with Hospitalization. This Health Policy also offers coverage for External aids such as Contact lens, Specs, Hearing Aids and Maternity related expenses. UIN – IRDA/NL-HLT/CHSGI/P-H/V.I/152/13-14 is the unique identification number for this Cholamandalam Health Insurance policy. For more details regarding this Chola MS Plan, click on the Cholamandalm Individual Healthline Insurance Plan Brochure provided here.

Chola MS Insurance Top Up Healthline Plan

The Chola Top up Healthline is one of the Top-up plans that offers coverage for higher medical expenses for Individual Sum Insured or families on a floating Sum Insured basis. UIN – IRDA/NL-HLT/CHSGI/P-H/V.I/152/13-14 is the unique identification number for this Chola MS Health Insurance policy. For more details regarding this Cholamandalam Plan, click on the Chola MS Insurance Top Up Healthline Plan Brochure provided here.

Cholamandalam MS Critical Healthline Insurance Plan

The Cholamanadalam MS Critical Healthline Insurance Plan is the Fixed Benefit Policy. It offers flexible Sum Insured options for Critical Illness mentioned in the Critical Healthline Policy. Buying this policy will provide Income Tax exemption up to 25,000 Rupees under Section 80 D of IT Act. UIN – IRDA/NL-HLT/CHSGI/P-H/V.I/154/13-14 is the unique identification number for this Cholamandalam Health Insurance policy. For more details regarding this Chola MS Plan, click on the Cholamandalam MS Critical Healthline Insurance Plan Brochure provided here.

Chola Hospital Cash Insurance Plan

Daily Allowance shall be paid for each day of hospitalisation. Hospitalisation in the Intensive Care Unit that is the daily cash benefit will be doubled for the duration of ICU confinement. This Policy Additionally provides a lump-sum convalescence benefit will pay in case of hospitalisation exceeding a continuous 20 days Period. UIN – IRDA/NL-HLT/CHSGI/P-H/V.I/396/13-14 is the unique identification number for this Chola Health Insurance policy. For more details regarding this Cholamandalam MS Plan, click on the Chola Hospital Cash Insurance Plan Brochure provided here.

Cholamandalam MS Individual Health Insurance Plan

The Chola Classic Health Individual Insurance is a complete medical insurance plan that secures your financial security and ensures peaceful future. This Policy providing Covering costs right from pre-hospitalization to post-hospitalization. This Medical policy is designed to support your family and you during a health emergency. UIN – IRDA/NL-HLT/CHSGI/P-H/V.I/410/13-14 is the unique identification number for this MS Health Insurance policy.

Chola Family Health Protection Plan

Your family is the world to you. You can do anything to keep them safe and healthy. The Investing money in Chola Family Health Protection Plan will secure their future. UIN – IRDA/NL-HLT/CHSGI/P-H/V.I/411/13-14 is the unique identification number for this Cholamandalam Health Insurance policy.

Cholamandalam Health Insurance Features and Benefits

The Chola MS Health Insurance Policy provides various Health plans for their customers. Based on the Plan the coverages, features and benefits are provided to the customer. The Key features and benefits of Cholamandalam Health Insurance are given below.

1. Cashless treatment.
2. Pre and post hospitalisation.
3. Ambulance charges.
4. Cumulative Bonus.
5. Free medical check up.
6. Co-payment.
7. Critical illness.
8. Tax benefits.
9. Double coverage for accidents.
10. Domiciliary hospitalisation.
11. Lifetime coverage.
12. Day-care procedures.
13. Unlimited room rent.
14. Easy claim settlement.
15. 24×7 claim assistance.
16. Entry age is 18 to 65 years.
17. Hospital Confinement Cash Benefit.
18. Family Discount.
19. 15 days free look up period.
20. 30 days Grace Period.

Cholamandalam MS Health Insurance Policy Inclusions/ Coverages

Cholamandalam Health Insurance Policy covers the surgical and medical expenses of an insured individual at the time of hospitalisation. The Inclusions are declared at the Insurance Policy Agreement. Following are the Health Insurance Policy coverages.

1. Hospital admission longer than 24 hrs.
2. Pre and Post hospitalisation expenses.
3. Domiciliary Hospitalisation.
4. Donor Expenses for organ transplantation.
5. AYUSH Coverage.
6. Ambulance Expenses.
7. Child Hospitalization Allowance per hospitalization.
8. Extended Hospitalisation Allowance.
9. Health checkup.
10. Lifelong renewal.
11. Double Sum Insured for Accidents and Critical Illnesses.
12. Option to select tenure.
13. Doctor’s fees.
14. Room and boarding charges.
15. Surgery, anaesthesia and oxygen charges.
16. Nursing charges.
17. ICU charges.
18. Dressing, ordinary splints and plaster cast.
19. The cost of medicines during hospitalisation.
20. Miscellaneous hospital services (such as x-ray etc.).
21. Physiotherapy.
22. Lifetime policy renewal.
23. Physical therapy expenses.
24. Implanted prosthetic devices during surgery.

Chola MS Medical Insurance Policy Exclusions

Policy exclusion eliminates coverage for some damages. In many insurance policies, the insuring agreement includes Exclusion details. The Chola MS Health Insurance Policy also contains some Exclusions for damages. Based on the customer choice Chola MS Medical Insurance gives exclusions. Follow us for getting the Medical Exclusion details about the Cholamandalam Health Insurance plans. Here we have provided the Exclusions.

1. Any pre-existing disease.
2. Terrorism or terrorist act.
3. Intentional self-inflicted injury, suicide.
4. Participating in any sport as a professional.
5. HIV and AIDS.
6. Sex change.
7. Dental treatment.
8. All drugs, treatments.
9. Occupational diseases.
10. Radioactive contamination.
11. Experimental or unproven treatment.
12. Hospitalisation towards pregnancy.
13. Naturopathy Treatments.
14. Expenses incurred on weight control.

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