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Cholamandalam Health Insurance Policies

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About Cholamandalam Company

Cholamandalam MS General Insurance Company Limited, better known as Chola MS, is a joint venture between Murugappa Group and Mitsui Sumitomo Insurance Group of Japan. The Company has 105 branches across the country and has been honored with titles like ‘Innovation Leader Award 2012’, ‘Health Insurance Claims Team for the year 2013’ and ‘Financial Innovations Award’ among others.

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Chola MS deals in automobile, travel, home and personal accident insurance besides health insurance. In the field of health insurance, Chola MS is known for providing a wide variety of convenient and comprehensive health packages that can be chosen as per need. The option of buying an online health insurance plan makes it all the more simple.

Cholamandalam Health Insurance Policies

Why Choose Chola MS Health Insurance Plans?

Chola MS works on the core philosophies of trust, transparency, and technology and offers the following benefits in its plans:
  • Cashless treatment at network hospitals.

  • Cover for hospitalization as well as pre and post hospitalization charges.

  • Health check-ups after a block of claim-free years.

  • Lifetime renewability.

  • 24x7 claim assistance and early claim settlement.

  • Tax benefits under section 80-D of Income Tax Act.

I. Chola Healthline

This policy is a comprehensive health insurance policy which provides medical cover for an individual and his family on individual as well as floater sum insured basis.

The policy is available as three options:
  • Value Healthline

  • Freedom Healthline

  • Enrich Healthline

Eligibility
  • Age between 18 years to 65 years.

  • Medical screening required. Expenses reimbursed up to 50% in Value and Freedom plans and 100% in Enrich plan on approval.

Key Features
  • Policy is available on individual as well as family floater basis.

  • Policy term can be 1,2 or 3 years.

  • Lifetime renewability option is available if premiums are paid regularly without a break.

  • Different options are available for sum insured in different plans.

    • Value - Rs. 2 lakhs

    • Freedom - Rs. 3,5 or 7 lakhs.

    • Enrich - Rs. 3,5,7.5 or 10 lakhs.

  • Discount of 6% on a 2-year term and 12% for a 3-year term.

  • Co-payment of 10% only in the Value Healthline plan.

Benefits
  • Hospitalization Expenses - The policy covers expenses for hospitalization more than 24 hours.

  • Pre-hospitalization Charges - For a period of

    • 30 days (Value Plan),

    • 60 days (Freedom & Enrich Plans) before hospitalization.

  • Post-hospitalization Charges- For a period of

    • 60 days (Value Plan),

    • 90 days (Freedom & Enrich Plans) after hospitalization.

  • Emergency Ambulance Charges - Up to an amount of

    • Rs. 1000 (Value Plan).

    • Rs. 2000 (Freedom & Enrich Plans).

  • Cumulative Bonus - On the sum insured for every claim free year, of

    • 5% per year, up to a maximum of 25% (Value Plan).

    • 5% per year, up to a maximum of 50% (Freedom Plan).

    • 50% per year, up to a maximum of 100% (Enrich Plan).

  • Domiciliary Treatment Expenses - For a maximum of 7 days per policy year.

  • AYUSH Expenses - On treatment under Ayurveda, Unani,Siddha, and Homeopathy

  • Organ Donor Expenses - In the case of an organ transplant.

Chola Healthline Expenses - Organ Donor Expenses
  • Additional Benefits of Enrich Healthline

    • Child hospitalization allowance per hospitalization - Up to Rs. 500 per day for 7 days.

    • Extended hospitalization allowance - Up to Rs. 10000.

    • Double sum insured - For critical illnesses.

If in case the policy has been taken on a family floater basis, the above mentioned shall represent the maximum liability of the Company for any and all claims made by the insured during the policy period.

Exclusions Under the Policy

The main exclusions under the policy are:
  • A waiting period of 30 days for all medical conditions except in the case of an accident.

  • Pre-existing diseases shall be covered after 4 continuous policy years.

  • A waiting period of 2 years for the following diseases:

    • Congenital internal disease

    • Varicose veins

    • Arthritis of any kind

    • Treatment of diseases of ear/tonsils/adenoids/paranasal sinuses/nasal septum

    • Stones in the urinary and biliary system

    • Gastric and duodenal ulcers

    • Benign hypertrophy of prostate

    • Fissures and fistula

    • Cataract

    • All types of hernias

    • Joint replacement surgery, except if due to an accident.

II. Chola Swasth Parivar

This plan takes care of all kinds of medical needs of a family by providing cover for hospitalization expenses for the family on floater basis and personal accident cover on individual sum insured basis.

Chola Swasth Parivar – Medical Needs of a Family

Key Features
  • Dual protection of hospitalization cover as well as personal accident cover.

  • Option of choosing from two plans.

  • No medical check-up required till 55 years of age.

  • Lifetime renewability.

  • Tax Exemption under section 80-D of Income Tax Act.

Eligibility
  • Age between 18 years to 65 years.

Benefits

Benefits under the policy depend on the plan availed.
PEARL PLAN (only section 1 is applicable)
FeaturesPlan 1Plan 2Plan 3
Hospitalization expenses (per family per year)300000400000500000
Compulsory co-payment on every claim15% 
Room rent1% of sum insured 
ICU rent1.5% of sum insured 
Post-HospitalizationUp to 60 days after discharge
Pre-hospitalizationUp to 30 days before hospitalization
Day care proceduresCovered
ROYALE PLAN (Both section-1 and section-2 are applicable)
FeaturesPlan 1Plan 2Plan 3
Coverage section-1
Hospitalization expenses (per family per year)300000400000500000
Compulsory co-payment15% on every claim
Room rent1% of the sum insured
ICU rent1.5% of the sum insured
Post-hospitalizationUp to 60 days after discharge
Pre-hospitalizationUp to 30 days before hospitalization
Day care proceduresCovered
Coverage section-2
Personal Accident - Self
Death75000010000001000000
Permanent total disablement75000010000001000000
Permanent partial disablement375000500000500000
Personal Accident - Spouse
Death375000500000500000
Permanent total disablement375000500000500000
Permanent partial disablement187000250000250000
Personal Accident - Per Child (Maximum 2 Children)
Death150000200000200000
Permanent total disablement150000200000200000
Permanent partial disablement75000100000100000
Exclusions

Mainly, the following are not covered under the policy:
  • Pre-existing conditions till 4 years of continuous policy period.

  • Expenses on any medical condition in the first 30 days of the policy. This does not apply to accidents.

  • Congenital internal disease, treatment of diseases of ear/tonsils/adenoids/paranasal sinuses/nasal septum, Benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hysterectomy, hydrocele-for 1 year of policy (Royale plan)

  • Congenital Internal disease, hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, treatment of diseases of ear/tonsils/adenoids/paranasal sinuses/nasal septum, stones in the urinary and biliary system, gastric and duodenal ulcers, Benign Hypertrophy of Prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery- for 2 years of policy (Pearl plan).

  • Intentional self-injury or harm.

  • Terrorist act.

  • Participation in any professional sport.

III. Tax Plus Healthline

This is a unique health insurance plan which covers both hospitalization and non-hospitalization (OPD) expenses. It is available on individual as well as family floater basis.

Key Features
  • It has fixed premium options.

  • No medical check-up required up to 55 years of age.

  • Lifetime renewability.

  • 5% claim free bonus per year, up to a maximum of 50%.

Eligibility
  • Age between 18 years to 65 years.

  • Self, spouse, parents and dependent children may be covered under the policy.

Benefits

Section-1
  • Room Rent- Up to 1% of the sum insured.

  • ICU Rent - Up to 2% of the sum insured.

  • Pre-hospitalization Expenses - Up to a period of 60 days before hospitalization.

  • Post-hospitalization Expenses - Up to a period of 90 days after discharge.

  • Ambulance Charges - In the case of an emergency, up to Rs. 3000.

  • Sub-limits - There are sub-limits in case of the following conditions:

    • Cataract - 7.5% of section-1 SI, up to Rs. 20000 (per eye).

    • Hernia or hydrocele - 10% of section-1 SI, up to Rs.30000.

    • Fistula, fissures, piles - 10% of section-1 SI, up to Rs.30000.

    • Sinusitis - 10% of section-1 SI, up to Rs.30000.

    • Tonsillitis/adenoids - 15% of SI, up to Rs. 40000.

Section-2

The following are covered up to plan limits:
  • Treatment of illness/injury without hospitalization.

  • Pre and post-natal expenses.

  • All pre-existing diseases.

  • Ayush expenses for treatment under Ayurveda, Siddha and Homeopathy.

  • Cost of spectacles, contact lenses or hearing aids.

  • All dental treatment.

Tax Plus Healthline – Dental Treatment

Exclusions

The main exclusions under the policy are:
  • Pre-existing conditions till 4 continuous policy years.

  • Treatment of any condition/illness in the first 30 days of the policy. It is not applicable in the case of accidents.

  • Congenital internal disease, treatment of diseases of tonsils/adenoids, benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hydrocele - till 1 year of the policy.

  • Hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, treatment of diseases of ear/tonsils/adenoids/paranasal sinuses/nasal septum, stones in the urinary and biliary system, gastric and duodenal ulcers, benign hypertrophy of prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery - till 2 years of policy.

IV. Family Healthline Insurance

It is a family floater plan that provides cover for allopathic as well as non-allopathic treatments.

Key Features
  • Expenses on non-allopathic and allopathic treatments are covered.

  • Maternity, dental and eye treatment cover available.

  • Lifetime renewability.

  • Floater sum assured up to Rs. 15 lakhs.

  • Direct claim settlement without TPA involvement.

Benefits
  • The policy is available as three plans and the benefits vary as per chosen plan.

BenefitsStandardSuperiorAdvanced
Floater sum insured (in lakhs)2/3/4/54/6/8/106/8/10/12/15
Claim free bonus up to 50% of SI5% of SI every claim free year
Daily cash for shared accommodation (1-day deductible)Rs. 250/day for maximum 7 daysRs. 500/day for maximum 7 daysRs. 500/day for maximum 14 days
Minor accompaniment daily cash (1-day deductible) Rs. 250/day for maximum 7 daysRs. 250/day for maximum 14 days
Health check-up & eye examination0.5% of SI after 2 claim free years0.75% of SI after 2 claim free years1% of SI after 2 claim free years
AmbulanceRs. 1000Rs. 2000Rs. 3000
Domiciliary treatment 15% of SI,max Rs. 70000Up to 25% of SI, max Rs. 1 lakh
Maternity benefits (waiting period - 5 years) Rs. 15000 for normal & Rs. 25000 for cesarean sectionRs. 25000 for normal & Rs. 40000 for cesarean section
AYUSH treatment  Up to 7.5% of SI for specific treatments only, 20% co-payment
Dental treatment (waiting period -3 years)  Up to 1% of SI, max Rs. 5000 with 30% co-payment
Cost of spectacles, hearing aids, contact lenses  1% of SI, max Rs. 5000 once in a 2-year block, 30% co-payment
Sub-limitsCataract - 7.5% of SI, max Rs.20000 per eye

Hernia/hydrocele - 10% of SI, max Rs. 30000

Fistula/fissures/piles - 10% of SI, max Rs. 30000

Sinusitis - 10% of SI, max Rs. 30000

Tonsillitis/adenoids - 15% of SI, max Rs. 40000
Cataract- 7.5% of SI, max Rs.20000 per eye  No sub-limits
Exclusions
  • Pre-existing conditions till 4 continuous policy years.

  • Treatment of any condition/illness in the first 30 days of the policy. It is not applicable in the case of accidents.

  • Treatment of diseases of sinusitis, benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hydrocele - till 1 year of the policy.

  • Hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, congenital internal disease, treatment of diseases of ENT, stones in the urinary and biliary system, gastric and duodenal ulcers, benign hypertrophy of prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery - till 2 years of policy.

V. Individual Healthline

This insurance policy provides a cover not only for the expenses incurred on hospitalization charges but also the incidental expenses.

Key Features
  • Sum insured up to Rs. 10 lakhs.

  • Cashless hospitalization at network hospitals.

  • No medical required up to 55 years of age.

  • Lifetime renewability

Eligibility
  • Age between 18 years to 65 years.

  • Dependent child between 3 months to 35 years (female) or 25 years (male).

Benefits

The benefits vary as per the plan chosen:
BenefitsStandardSuperiorAdvanced
Floater sum insured (in lakhs)1/2/3/4/53.5/4.5/5.54.5/5.5/7.5/10
Claim free bonus up to 50% of SI5% of SI every claim free year
Daily cash for shared accommodation (1-day deductible)Rs. 250/day for maximum 7 daysRs. 500/day for maximum 7 daysRs. 500/day for maximum 14 days
Minor accompaniment daily cash (1-day deductible) Rs. 250/day for maximum 7 daysRs. 250/day for maximum 14 days
Health check-up & eye examination0.5% of SI after 2 claim free years0.75% of SI after 2 claim free years1% of SI after 2 claim free years
AmbulanceRs. 1000Rs. 2000Rs. 3000
Domiciliary treatment 15% of SI, max Rs. 70000Up to 25% of SI, max Rs. 1 lakh
Maternity benefits (waiting period - 5 years) Rs. 15000 for normal & Rs. 25000 for cesarean sectionRs. 25000 for normal & Rs. 40000 for cesarean section
AYUSH treatment  Up to 7.5% of SI for specific treatments only, 20% co-payment
Dental treatment (waiting period -3 years)  Up to 1% of SI, max Rs. 5000 with 30% co-payment
Cost of spectacles, hearing aids, contact lenses  1% of SI, max Rs. 5000 once in a 2-year block, 30% co-payment
Sub-limitsCataract - 7.5% of SI, max Rs.20000 per eye

Hernia/hydrocele - 10% of SI, max Rs. 30000

Fistula/fissures/piles - 10% of SI, max Rs. 30000

Sinusitis - 10% of SI, max Rs. 30000

Tonsillitis/adenoids - 15% of SI, max Rs. 40000
Cataract - 7.5% of SI, max Rs.20000 per eyeNo sub-limits
Exclusions
  • Pre-existing conditions till 4 continuous policy years.

  • Treatment of any condition/illness in the first 30 days of the policy. It is not applicable in the case of accidents.

  • Treatment of diseases of sinusitis, benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hydrocele - till 1 year of the policy.

  • Hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, congenital Internal disease, treatment of diseases of ENT, stones in the urinary and biliary system, gastric and duodenal ulcers, benign hypertrophy of prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery - till 2 years of policy.

VI. Chola Topup Healthline

This is a top-up plan that can be taken over and above an insurance policy to provide cover for higher medical expenses.

Key Features
  • Option to choose from 7 plans.

  • Available on individual and floater basis.

  • Policy term of 1/2/3 years can be chosen.

  • No medical required till 55 years of age.

Eligibility
  • Age between 18 years to 65 years.

  • Dependent child between 3 months to 35 years (female) or 25 years (male).

Benefits

The following benefits are available as per the plan chosen:
Plan optionPlan APlan BPlan CPlan D Plan EPlan FPlan G
Hospitalization sum insured (over deductible)500002 lakhs3 lakhs5 lakhs6 lakhs10 lakhs15 lakhs
Deductible300001 lakh2 lakhs3 lakhs4 lakhs5 lakhs5 lakhs
Total hospitalization expenses800003 lakhs5 lakhs8 lakhs10 lakhs15 lakhs20 lakhs
Room rent5002000400050006000750010000
Pre-hospitalization expensesUp to 60 days before hospitalization. Up to 5% of admissible claim hospitalization payable.
Post-hospitalization expensesUp to 90 days after hospitalization. Up to 10% of admissible claim hospitalization payable or Rs. 50000, whichever is less.
AmbulanceUp to Rs. 3000
Exclusions
  • Pre-existing conditions till 4 continuous policy years.

  • Treatment of any condition/illness in the first 30 days of the policy. It is not applicable in the case of accidents.

  • Treatment of diseases of sinusitis, benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hydrocele - till 1 year of the policy.

  • Hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, congenital Internal disease, treatment of diseases of ENT, stones in the urinary and biliary system, gastric and duodenal ulcers, benign hypertrophy of prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery - till 2 years of policy.

VII. Critical Healthline Insurance

This insurance policy has been specifically designed to provide financial support in case of diagnosis of 12 listed critical illnesses.

Key Features
  • Lump sum payment on diagnosis of any of the listed critical illnesses.

  • No medical required up to 55 years of age.

  • Lifetime renewability option.

  • Option to choose from 2 plans.

Eligibility
  • Age between 18 years to 65 years.

  • Dependent child between 5 years to 25 years of age may be covered.

Benefits
  • Sum insured option of 3/5/10 lakhs.

  • Ambulance charges in the case of emergency - Rs. 1000 in the Advanced plan.

  • Lump sum amount on the diagnosis of any of the listed critical illnesses as per the plan chosen, after the specified survival period.

There are two options available: Standard and Advanced.

The critical illnesses covered under both plans are:
Standard plan & Advanced plan
Critical illness coveredSurvival period
Cancer of specified severity30 days
First heart attack of specified severity30 days
Open heart surgery (CABG)30 days
Stroke resulting in permanent symptoms90 days
Kidney failure requiring dialysis30 days
Multiple sclerosis with persisting symptoms180 days
Permanent paralysis of limbs180 days
Major organ/bone transplant30 days
Aortic surgery30 days
Primary pulmonary hypertension30 days
The following are additionally covered in the Advanced plan:
Only in Advanced plan
Critical illness coveredSurvival period
Parkinson’s disease180 days
Motor neuron disease90 days
Exclusions

The main exclusions under the policy are:
  • Any critical illness diagnosed in the first 90 days of the policy.

  • Any critical illness arising due to a pre-existing condition.

  • Intentional self-harm.

  • The death of insured before survival period.

VIII. Hospital Cash Healthline

This policy provides a fixed daily allowance for every completed 24 hours of hospitalization to cover the related miscellaneous expenses.

Key Features
  • Daily cash as well as convalescence benefit.

  • Option to choose from 3 plans.

  • No medical required till 55 years of age.

  • 10% family discount on premium.

  • Lifetime renewability.

Eligibility
  • Age between 18 years to 65 years.

  • Dependent child between 3 months to 36 years can be covered.

Benefits
The benefits vary as per the plan chosen:
BenefitsPlan APlan BPlan C
Hospitalization daily cash (per day), maximum 20 days100020003000
ICU benefit (per day)200040006000
Convalescence benefit100001500020000
Exclusions
  • Pre-existing conditions till 4 continuous policy years.

  • Treatment of any condition/illness in the first 30 days of the policy. It is not applicable in the case of accidents.

  • Treatment of diseases of sinusitis, benign hypertrophy of prostate, fissures, and fistula, cataract, all types of hernias, hydrocele - till 1 year of the policy.

  • Hysterectomy, hydrocele, spondylitis, spondylosis, varicose veins, arthritis of any kind, congenital Internal disease, treatment of diseases of ENT, stones in the urinary and biliary system, gastric and duodenal ulcers, benign hypertrophy of prostate, fissures and fistula, cataract, all types of hernia, joint replacement surgery - till 2 years of policy.

IX. Chola Accident Protection

Besides health insurance plans, Chola MS also offers accident protection plan which provides financial security in the case of an accident.

Chola Accident Protection

Key Features
  • Daily cash benefits for hospitalization.

  • Compensation for loss of income due to disability.

  • Coverage on a worldwide basis.

Eligibility
  • Age between 18 years to 69 years of age.

  • Dependent children up to 25 years of age can be covered.

Benefits
  • Hospital Daily Cash - For hospitalization due to an accident.

  • Disability Compensation - A weekly compensation for loss of income due to disability.

  • Fracture Compensation - A fixed compensation is given for fracture of bones due to an accident.

  • Private Tuition Fee - In case the insured cannot attend school/college due to disability.

  • Family Transportation - To the location of the insured in case of death/total permanent disability.

  • Transport of Mortal Remains - In the event of death, from the accident site to the hospital/home/crematorium.

  • Death Compensation - In the case of death of the insured, the nominee is paid the sum insured.

  • Permanent Total Disability - In the case of permanent total disability (as defined in the policy document), compensation of 100% of sum insured is given.

  • Permanent Partial Disability - In the case of permanent partial disability (as defined in the policy document), compensation is paid as a specified percentage of the sum insured, as per the disability.

Exclusions

The main exclusions under the policy are:
  • War or related perils.

  • Participation in military operations.

  • Intentional self-harm or injury.

  • Loss sustained under the influence of alcohol or other intoxicating substance.

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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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