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Cholamandalam Health Insurance Policies

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Main Exclusions and emergency assistance

(Sponsored article from Cholamandalam Insurance Company)

Diseases, which have been in existence at the time of proposing this insurance.

Illness that commenced during the first 30 days of inception of the first policy.

Cataracts, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Fistula in anus, piles, sinusitis and related disorders, in the first year of insurance. How ever on renewal, these inclusions shall not apply.

For a complete list of excursions, refer to the policy document.

24-Hour Emergency Assistance

Cholamandalam MS General Insurance has tied up with Paramount Health care services (PHS) to offer impeccable service and 24 hour emergency assistance to its health insurance customers. PHS is a joint venture company with Munich Re, the world’s largest reinsurance company.


The services offered by PHS include:

Complete guidance of the hospitalization procedure within the network of hospitals.

24 hr help line through 1600-220848(toll free) for claim intimation and consultation on hospitalization.

Hassle free claim guidance and reimbursement of hospitalization expenses.

(Sponsored article from Cholamandalam Insurance Company)

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i have purchased a policy 'family floater' in year 2010. since then i am paying my premium without any delays. yesterday i was suggested to undergo surgery for cataract. i have been told by your representative that there is a CAP of Rs 10000/- although my policy is of Rs 400000/- [four lacs] kindly clarify the issue as it is against the terms explained to me by your representative at the time of taking this policy. accprd prioirity.
hemaranjit Wednesday, May 16, 2012
Looking for Family Health Insurance.
AryanM Wednesday, January 11, 2012
we, Santanu Laha and Ruplekha Laha, deposited 1st health insurance premium on 27th May,2011[Rs. 8715/-]. But till date we have not received the policy certificate. we have given repeated reminder to your kolkata office but they do not bother. so we request you to kidly look into the matter so that we can get the policy as early as possible.
slaha1955 Tuesday, August 30, 2011
Aim Zero claim [ part 1] for insurance companies. Teach these to the people taking life insurance and your claims will reduce. Try it. Tips for Happy Sickness free 110 years of life. LIVE Happy Sickness free 110 years of life. 1. Sleep Well................... 2. Eat Well....................... 3. Exercise well.............. 4. Live Well.................... 5. Sing and Dance well. 6. Marry and be happy... 7. Tell this to all and be happy and live long. 1.Sleep Well: People daily sleeping less than four and half hours live less,People daily sleeping more than nine hours live less. 2.Eat Well. For fully grown ups:1.Eat half of your usual need. [unless you are not likely to get another food.] Eat simple. Fruits, Salads ,and simply cooked Rice,wheat, dal ,fish mutton, chicken [in moderation] keep you healthily for decades. Complicated, more processed food is harmful. If you eat more than you need, your belly is seen. People with big bellies live less. If your belly is seen, take liquids whenever you are hungry, and increase exercise. If your cheeks are sunken or a mirror tells you that you are weak,you are not eating enough energy and food. Oil and ghee give double energy than other food per gram consumed. So add oil or ghee or oilseeds or dry fruits [they have oil ] to every thing you eat, and eat frequently. You can ear every 2 –3 hours. Keep your pocket filled with snacks, and keep munching. You will grow daily. Stop this excess when the cheeks are no more sunken. Lead a fruitful life. When ever you eat,Eat plenty of fresh fruits.Fruits wipe up injurious elements called free oxygen radicals from our body,provide instant energy,vitramins and mineral and water. Use this information for children also. 3.Exercise well: jog, run, walk briskly to your office3 reach children to school, dance, do rope skipping. These all are exercises. Do it for half to one hour daily. Dance is the best happy exercise. Put on the T.V. and Learn Dance from every dance sequence and every dancer.Dancer Hema Malini’s daughters are heroines. Hema Malini looks more beautiful than them. She has remained beautiful because of dancing.It keeps the body and the mind fit , happy, and young for ever. Learn yoga. Yoga keeps you young for ever. Yoga keeps you fit like a fiddle. It delays ageing and ageing related illnesses like joint pain, backache, memory loss, heart ailments, and many more illnesses.
Hemnt Thursday, March 17, 2011
3. Go multilingual multiply business Majority Indians do not understand your policies. Insurance English is too complicated. Make every thing available in all languages.Multiply business.
Hemnt Thursday, March 17, 2011
MY STORY of Bank loan, scooter , and son in law. I am Doctor. Hemant Joshi. I took loan for hospital. Bank said Take life insurance. If you suddenly die insurance company will pay the loan. I bought a scooter and a Motorcycle. RTO said, take insurance. If accident occurs, insurance company will pay the expenses. A boy wanted to marry our daughter. We said take insurance. If you suddenly die, insurance money will support our daughter. Later they had a baby. We told them, increase your insurance cover. Dr. Hemant Joshi
Hemnt Thursday, March 17, 2011
Needed: Stand alone health insurance for children. In India 20 000 children die daily. Hospitalization can save them. So they need health insurance most. A child below five years in most vulnerable in a family. If a family can afford medical insurance for only one member they must insure the below 5 years child, especially the below 1 year child. Do we have a stand alone health insurance policy for children? No. Please create one. Make it affordable. Keep the lowest premium slab as small as possible. Suppose a family can pay Rs. 100 for insurance, take it give his baby a cover of an amount which is say 25 to 50 times the amount he pays [ You will be able to calculate this figure with your wisdom]. A better of family can pay a premium of 1000 and can buy higher insurance. Highest number of these die on 1st day of life and about 30% die in 1st week of life. Lesson: Insuring the baby before birth is most important. These policies will reduce child deaths.TYhis is a very good service to the nation. If you can create a policy like this I will help you to reach India's 17000 pediatricians who are members of Indian Academy of Paediatrics and request them to promote this policy. 15 March was world consumer rights day. Child consumers demand independent mediclaim cover from birth to 18 year. Good business opportunity. Will you Take it before some one else does? Thanks. On behalf of child consumer Dr. Hemant Joshi child's doctor Virar (Mumbai)mo.0 98 232 81447 e: haj2007@gmail.com
Hemnt Thursday, March 17, 2011
I want the details about family health insurance.....wherein husband ,wife and 2/3 childrens' health ins.will b covered.....get in touch on 7709258476
85_09 Wednesday, March 16, 2011
i am 1962 yr born i want 3 lac cover 2 kid 19yr old 17yr old let me know best plan or call 022 2830 2469
cholamandlam Thursday, January 20, 2011
It is not advisable taking up a Cholamandalam General Insurance policy as they reject the pre-examination and you end up paying from your pocket.

My son had extra finger in his left hand, which I planned to remove by surgery. This was not covered because it is a birth defect and is not covered. There are no clear instructions and clauses if any. When one calls them up, they keep you on hold for hours with Carnatic music running.

MS

sudan71 Tuesday, June 15, 2010

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