Chola MS Personal Accident Insurance provides you assurance for secure future to your family in the case of a sudden accident. If you are travelling on the road anything, happen in that journey. We can’t imagine what will happen to us. In that case, you are an insured person you need not worry about your future, and you can travel happily.
Chola MS General Insurance Personal Accident Policy
A Chola MS, Personal Accident policy, ensures financial stability in such unfortunate conditions and covers death, bodily burns, and physical injuries. It helps you to cope with the sudden economic burden and also brings your life back on track by providing a secure cover and protection. By buying a personal accident plan, you don’t just not only invest in policy but also buy peace, safety and security for the whole family.
Chola MS General Insurance Personal Accident Policy offers you many advantages. Here we have given the Chola MS Personal Accident Policy Key Features and Benefits. You can also check Chola MS Personal Accident Insurance Renew Online and Claiming Steps.
Chola MS Personal Accident Policy Key Features and Benefits
Check Cholamandlam MS Personal Accident Insurance Policy Key Features and Benefits here.
Key Features and Benefits of Chola Accident Protection
This plan provides the following additional benefits in addition to basic coverage for Accidental Death, PTD and PPD:
Weekly Compensation: They pay compensation for loss of income due to a disability caused by the sudden accident.
Broken Bones: They pay Fixed compensation in the event of fractures /accidental bone damage.
Modification of Residences or Vehicle: In the case of permanent total disability, the expenses incurred are reimbursed for modifying residential accommodation or own car.
Family Transportation Benefit Covers: Expenses towards transport of the family member to the place of the Policy Holder in the case of accidental permanent total disability /death.
Fee for Private Tuition: They Pay the school fees if the insured is a student and is not able to attend college /school due to an accidental injury.
Hospital Daily Cash: They Provides a daily cash allowance for hospitalisation due to an accident.
Repatriation of Mortal Remains: from the crash site to hospital, residence or cremation ground. The cost of Cremation Ceremony to perform spiritual ceremonies up to the time of or post-cremation.
Ambulance charges: The Fixed amount will pay for Ambulance hiring charges following an accident.
Coverages of Chola MS Personal Accident Insurance
What are the Coverages offered by the Chola MS General Insurance? Check the below-mentioned data.
In the case of death of the Nominee due to an accident within the policy period, the nominee (referred to in the policy) paid with the Sum Insured.
Permanent Total Disability
In the case of accidental injury, causing the ensured Permanent Total Disability and such disability has continued for 12 consecutive months, the Chola MS will pay the insured the percentage of sum insured as mentioned in the table below:
|Benefits||Percentage of Capital Sum Insured|
|Loss of sight of both eyes||100%|
|Loss of one whole hand and one full foot||100%|
|Loss of two entire hands or two full feet||100%|
|Loss of hearing of both ears or loss of sight of one eye or complete loss of one limb and loss of speech.||100%|
|Total loss of hearing of both ears & total loss of speech||100%|
|Loss of sight of one eye and such loss of one whole foot, or hand||100%|
Permanent Partial Disability
In the event of accidental injury, causing the Ensured Permanent Partial Disability and such disability has continued for 12 consecutive months, the Chola MS will pay the insured the percentage of sum insured as mentioned in the table below:
|Benefits||Percentage of Principal Sum|
|Loss of toes: all
Great: one phalanx
Great: both phalanges
More than one toe Lost
|Loss of hearing – one ear||30%|
|Loss of hearing – both ears||60%|
|Loss of speech||60%|
|Loss of four fingers||35%|
|Loss of thumb & four fingers of one hand||40%|
|Loss of thumb: both phalanges
|Loss of middle finger – one phalanx, three phalanges or two phalanges||06%|
|Loss of index finger – three phalanges or two phalanges or one phalanx||10%|
|Loss of two phalanges – three phalanges or little finger or one phalanx||04%|
|Loss of ring finger – three phalanges or two phalanges or one phalanx||05%|
|Loss of metacarpals – first or second, third, fourth or fifth||03%|
|Sense of taste||05%|
|Sense of smell||10%|
|Sight of one eye||50%|
Anyone between 18 – 69 years can buy this policy. The policy can cover dependent children up to 25 years old under family option.
Cholamandalam MS Personal Accident Policy Exclusions
Chola MS Personal Accident Insurance Exclusions are here.
- Any pre-existing disability/accidental injury.
- Self-injury, suicide or attempted suicide.
- Pregnancy, childbirth or Miscarriage.
- Influence of Liquor or drugs.
- Injuries or death caused to participation in Military Naval, or Air Force operations.
- War and nuclear risk, terrorism, criminal acts, etc.
- Injury or death caused by ionising radiation or contamination by radioactivity from any nuclear fuel.
- If the Policyholder have an Acquired Immune deficiency syndrome (AIDS) or having an antibody positive blood test to HIV.
- Willful participation in any illegal act.
- Bacterial Infections.
- Participation in bicycle, Motorcycle, skiing, hunting or any skydiving contests.
Chola MS Personal Accident Insurance Claim Procedure
Hehe is the Chola MS Claim Procedure Steps.
Intimate your claim by calling 18002005544. Written application notice should be given within 30 days of such occurrence or commencement of accident.
Please provide the below details when you call customer care to intimate about the claim.
- Name of insured.
- Contact details.
- Policy number.
- Date & time of loss.
- Nature & extent of the loss.
- Location of loss.
Chola MS customer service centre will register the claim and provide you with the application registration number for all future references.
Please furnish the documents or information authorised, representatives.
Documents required for claim settlement in Chola MS Personal Accident Insurance
In case of death
- Duly completed claim form by the nominee.
- Post Mortem Report/Coroner’s report Copy (If postmortem is conducted).
- A copy of FIR / Police Report, wherever necessary.
- Copy or Panchanama / Inquest report.
- Original policy certificate.
- Death certificate.
In case of permanent total / partial disablement
- Duly completed claim Form.
- Disability confirming Doctor certificate.
- Admit/ Discharge card.
- X- ray, lab test report.
- Admit / Discharge card.
- FIR/ Police report, wherever necessary.
Chola MS General Insurance Renewal Process
You can get here online renewal steps for personal accident policy of Cholamandalam MS.
- Go to the Chola MS General Insurance Official Website www.cholainsurance.com.
- Select Your plan.
- Enter your policy details.
- Click on the payment.
- You can pay your premium using Net Banking /Credit Card /Debit Card.
Furthermore, details regarding Chola MS General Insurance Policy download the Boucher.