Comments on Cholamandalam Health Insurance Policies (Total Comments :)
Posted by: hemaranjit Posted on: 05/16/2012
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.
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.
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.
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.
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
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
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.
We are looking for a group mediclaim insurance policy for our staff of around 50 employees with floater coverage for their dependents as well. Can you guide us on the subject matter.
I had a company cashless mediclaim through chola till last year,however this year they have changed providers. I wanted to know if I can continue the policy that I had if I bought one myself.
Yes you can continue to have the services of the particular company if you take a fresh policy in your name or renew the policy.That means you have to go for an individual mediclaim policy either for you or for your entire family irrespective of whether your corporate policy [group policy].
I wish to take a mediclaim of my entire family. Please provide us your pamplet and brochure. After going through this material I'll contact your office on 16.10.2008.
I need health policy for my dad. He is under chemotherapy. Is there any health policy that covers pre-existing diseases.
Please suggest me any good policy for him, as the matter is quite urgent
We have corporate tk health card. Will that not cover congenital internal diceases. i want to purchases "Cholamandalam Health Insurance", Who cover that all congentinal internal diesease. please advice?
Family floater cover of Star Health is much lower than the Family floater of Cholamandalam General insurance. The premium for the same sum insured of 3 lacs for 2 adults and 2 child works out to Rs. 4310/- excluding tax
WE have corporate-tk-Health card....will that not cover congenital internal disease.We were not knowing this before.Doctors told us recently..pls advice
I have a TTK-Cholamandalam Health Insurance. I am not sure if it covers Ayurvedic treatments. It is ridicules to have co-operate health insurance card for the company based in India and it does not included India traditional method of treatment.