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Cholamandalam Health Insurance Policies

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Cholamandalam MS General Insurance Co. Ltd



Chola Health Insurance (Individual Plan)

It covers:-

• Hospitalization. 
• Post - Hospitalization. 
• Day Care.
• Local Ambulance Service. 
• Indicative Premium.
Schedule of benefits - Chola Health Insurance Plan
Benefit Type   A B C D
  Level of Benefits Limits Limits Limits Limits
General limit per person per policy year Applicable on sections Rs 1,000,000/- Rs 7,50,000/- Rs 5,00,000/- Rs 4,00,000/-
Co-Insurance per person per policy year Applicable on eligible expenses caused by Non-network provider subject to being pre-authorized 10% 10% 10% 10%
Hospitalization class CLASS A CLASS B CLASS B CLASS B CLASS B
Section Basic Hospitalization Services Co-Insurance 100% of eligible expenses up to the General Limit Covered  Covered 15% if class A  Covered 15% if class A  Covered 15% if class A
Section Pre- Hospitalization  100% of eligible expenses up to the General Limit 60 days prior to Hospitalization 60 days prior to Hospitalization 60 days prior to Hospitalization 60 days prior to Hospitalization
Section Post- Hospitalization 100% of eligible expenses up to the General Limit 90 days after Hospitalization 90 days after Hospitalization 90 days after Hospitalization 90 days after Hospitalization
Section 1d Day Care Services 100% of eligible expenses up to the General Limit subject to Pre-authorization; otherwise it is not covered Covered Covered Covered Covered
Section 1e Local Ambulance Services 100% of eligible expenses up to the General Limit Covered up to 2,000,00/- per person per policy year Covered up to 2,000,00/- per person per policy year Covered up to 2,000,00/- per person per policy year Covered up to 2,000,00/- per person per policy year
Benefit Type E F G H I
  Limits Limits Limits Limits Limits
General limit per person per policy year Rs 300,000/- Rs 200,000/- Rs 150,000/- Rs 100,000/- Rs 50,000/-
Co-Insurance per person per policy year 10% 10% 10% 10% 10%
Hospitalization class CLASS B CLASS B CLASS B CLASS C CLASS C
Section Basic Hospitalization Services Co-Insurance Covered Covered 15% if Class A Covered 15% if Class A Covered 15% if Class B 25% if Class A Covered 15% if Class B 25% if Class A
Section Pre- Hospitalization 60 days prior to Hospitalization 60 days prior to Hospitalization 60 days prior to Hospitalization 60 days prior to Hospitalization 60 days prior to Hospitalization
Section Post- Hospitalization 90 days after Hospitalization 90 days after Hospitalization 90 days after Hospitalization 90 days after Hospitalization 90 days after Hospitalization
Section Day Care Services Covered Covered Covered Covered Covered
Section Local Ambulance Services Covered up to 1,000,00/- per person per policy year Covered up to 1,000,00/- per person per policy year Covered up to 1,000,00/- per person per policy year Covered up to 1,000,00/- per person per policy year Covered up to 1,000,00/- per person per policy year
Indicative Premium for Chola Health Insurance Plan (Individual Plan)
Plan Type A B C D E F G H I
Limit 10 Lakhs 7.5 Lakhs 5 Lakhs 4 Lakhs 3 Lakhs 2 Lakhs 1.5 Lakhs 1 Lakhs 0.5 Lakhs
Basic Health Cover (Premium in Rs.)
<18 years 5,765/- 5,285/- 4,805/- 4,000/- 3,200/- 2,120/- 1,665/- 1,210/- 800/-
18-35 years 6,370/- 5,840/- 5,200/- 4,300/- 3,450/- 2,465/- 1,935/- 1,405/-  950/-
36-45 years 7,480/- 6,675/- 5,700/- 4,800/- 3,850/- 2,745/- 2,125/- 1,560/- 1,100/-
46-55 years 11,465/- 10,300/- 9,140/- 7,695/- 5,935/- 4,000/- 3,130/- 2,255/- 1,400/-
56-65 years* 16,650/- 14,670/- 12,690/- 10,535/- 8,045/- 5,250/- 4,090/- 2,925/- 1,800/-
66-70 years* 20,470/- 18,175/- 15,880/- 13,070/- 9,805/- 6,510/- 5,020/- 3,530/- 2,150/-
<18 years7,075/-6,430/-5,785/-4,620/-3,570/-2,335/-1,835/-1,335/-915/-
18-35 years8,040/-7,300/-6,450/-5,095/-3,935/-2,745/-2,160/-1,575/-1100/-
36-45 years9,370/-8,315/-7,090/-5,690/-4,385/-3,055/-2,375/-1,750/-1,210/-
46-55 years13,800/-12,325/-10,855/-8,770/-6,555/-4,360/-3,410/-2,460/-1,620/-
56-65 years*19,800/-17,350/-14,900/-11,900/-8,820/-5,690/-4,435/-3,170/-2,050/-
66-70 years*24,390/-21,530/-18,670/-14,790/-10,780/-7,070/-5,455/-3,845/-2,385/-
Rates mentioned above are exclusive of Service tax *Premium to be calculated as per the age of the person against the required SI

• For renewal & dependent parents only.

• Family discount is available (5% for 2 people, 10% for 3 or more people).

• Benefits / rates given in the leaflet are indicative and could vary based on criteria such as Individual's height, weight, blood pressure etc.

• Maximum Entry Age: 55 years for proposer & 65 years for parents.

• Rates not Inclusive of Service Taxes.

• The rates apply only to people living in New Delhi (including NCR), Mumbai (including Thane), Chennai & Kolkata. People living in cities other than the 4 cities mentioned would have an additional discount of 5% on the above rates.
• Class A: Air-Conditioned Single room upwards (i.e. suite, apartment), Class B: Air-Conditioned or Non air-conditioned Standard single room, Class C: Air-Conditioned or Non air-conditioned 2 beds per room.

SECTIONED 80D INCOME TAX BENEFITS:-

Premium up to Rs.10,000 (for Senior Citizen up to Rs.15,000) is eligible for deduction under section 80D of the Income Tax Act, 1961.

Indicative Premium for Chola Health Insurance Plan (Family Floater Plan)

• Hospitalization.
• Post - Hospitalization.
• Day Care.
• Local Ambulance Service.
Indicative Premium for Chola Family Health Insurance (Family Floater Plan)
 
Plan 1 - 2 Adults (Premium in Rs) Plan 2 - 2 Adults + 1 Kid (Premium in Rs)
Limit 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs Limit 2 Lakhs 3 Lakhs 4 Lakhs  5 Lakhs
<18 Years - - - - <18 Years - - - -
18-35 Years 4,420/- 6,142/- 7,554/- 8,595/- 18-35 Years 5,141/- 7,144/- 8,786/- 9,997/-
36-45 Years 4,966/- 6,973/- 8,680/- 9,667/- 36-45 Years 5,777/- 8,110/- 10,097/- 11,243/-

Plan 5 - 1 Adult + 1 Kid (Premium in Rs) Plan 6 - 1 Adult + 2kid (Premium in Rs)
Limit 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs Limit 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs
<18 Years - - - - <18 Years - - - -
18-35 Years 4,330/- 6,017/- 7,399/- 8,420/- 18-35 Years 5,051/- 7,018/- 8,635/- 9,822/-
36-45 Years 4,866/- 6,833/- 8,505/- 9,471/- 36-45 Years 5,677/- 7,970/- 9,922/- 11,048/-

Plan 3 - 2 Adults (Premium in Rs) Plan 4 - 2 Adults + 1 Kid (Premium in Rs)
Limit 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs Limit 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs
<18 Years - - - - <18 Years - - - -
18-35 Years 5,867/- 8,145/- 10,022/- 11,399/- 18-35 Years 6,588/- 9,151/- 11,253/- 12,805/-
36-45 Years 6,898/- 9,682/- 12,049/- 13,416/- 36-45 Years 7,744/- 10,868/- 13,536/- 15,068/-

Plan 7 - 1 Adult + 3 Kids (Premium in Rs) Plan 8 - 1 Adult (Premium in Rs)
Limit 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs Limit 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs
<18 Years - - - - <18 Years - - - -
18-35 Years 5,777/- 8,020/- 9,867/- 11,223/- 18-35 Years 3,609/- 5,016/- 6,167/-  7,018/-
36-45 Years 6,788/- 9,531/- 11,864/- 13,211/- 36-45 Years 4,055/- 5,692/- 7,088/- 7,889/-
Schedule of benefits - Chola Family Insurance Plan
 
General Limit (per Family per year) Applicable Sections and Room Rent Rs 5,00,000/- Rs 4,00,000/-  Rs 3,00,000/- Rs 2,00,000/-
Co-Insurance (per Family per year) Applicable on eligible expenses caused by Non-network provider subject to being pre-authorized 10% 10% 10% 10%
Room Rent per day Up to Rs 3,000/- Up to Rs 2,500/- Up to Rs 2,000/- Up to Rs 1,500/-
Basic Hospitalization Covered Covered Covered Covered
Post- Hospitalization 90 days after Hospitalization 90 days after Hospitalization 90 days after Hospitalization 90 days after Hospitalization
Pre- Hospitalization 60 days prior to Hospitalization 60 days prior to Hospitalization 60 days prior to Hospitalization 60 days prior to Hospitalization
Day Care Services only within Network; subject to Pre-authorization; otherwise it is not covered Covered Covered Covered Covered
Local Ambulance Services (per Family per policy year) Rs 1,000/- Rs 1,000/- Rs 1,000/- Rs 1,000/-
Hospital Daily Allowance Daily benefit Maximum days covered per Family per policy year Rs 500/-14 Days Rs 400/-10 Days Rs 300/-7 Days Rs 200/-7 Days
External Aids and Appliance Rs 1,000/- Rs 1,000/- Rs 1,000/- Rs 1,000/-
Home Nursing Care Allowance Daily benefit Maximum days covered per Family per policy year Rs 300/-10 Days Rs 300/-10 Days Rs 200/-7 Days Rs 200/-7 Days
What does the policy cover?

In the unfortunate event of you or your family members meeting with an illness or accident resulting in hospitalization, our Health Insurance gives you a cash free hospitalization in more than 2200 hospitals across India. Our Health Insurance also reimburses the expenses during Pre - Hospitalization and Post - Hospitalization stages of treatment.

Pre-Hospitalization: Medical expense incurred 60 days prior to the hospitalization are reimbursed. This is the longest time period offered by any Health Insurance policy in India.

Hospitalization: You will be reimbursed expenses like room and board, doctors' fees, intensive care unit charges, nursing expenses, surgical fees, operating theatre expenses, anesthesia and oxygen administration expenses.

Post-Hospitalization: Once discharged from hospital, the policy shall pay for medical expenses related to the hospitalization, for a period of 90 days after discharge. This is something unmatched by any other Health Insurance policy in India.

Day Care Procedure: The policy covers over 141 minor surgeries that require less than 24 hours hospitalization under our Day Care Procedure. These surgeries ordinarily fall outside the scope of Health Insurance Policies available in the Indian market.

Local Ambulance Service: In the event of an emergency, cover is provided for expenses incurred on ambulance services to the nearest hospital where Emergency Health facilities are available.

Cholamandalam Health Insurance policy ensures comprehensive coverage by offering value added features, at a nominal increase in premium, like:

General Health and Eye Examination: You will be reimbursed the expenses incurred for general health and eye examination.

Hospital Daily Allowance: In addition to hospital expenses, a daily hospital allowance will be paid for the period of hospitalization.

• Benefits under Section - 80D (for both individual and family health policy) & 80B (only for individual health insurance policy).

*Premium upto Rs 15,000 eligible under section 80B

What does the policy not cover?

• 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. However, on renewal, these exclusions shall not apply. For a complete list of exclusions, refer to the policy.

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

Website: www.cholainsurance.com

Disclaimer: This information is extracted from the company’s official website to provide information to the general public. The information is likely to change based on the concerned insurance companies’ discretion. Alterations, deletions and/or additions to the existing policy products, coverage and their premiums may be enhanced or reduced. These figures are only guidelines. We recommend the individual to visit the official website of the insurance company for more details and updated matters.

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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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