The Need of Personal Health Insurance Plans from a Reliable Company like Cholamandalam MS General In

Why burn a hole in your pockets with expenses caused by unforeseen medical emergencies, when a Health Insurance policy can nurse you with these expenses? Yes, having a health insurance policy is an indispensable need of the hour. Most of your hospital bills from teeny to mighty will be taken care with the help of a Health Insurance. Thus, a good health insurance will cover you and your loved ones and is essential to combat tough times. With a Health Insurance plan from Cholamandalam, one can definitely opt for a medical plan which will take care of most of your medical expenses.

Why should you opt for a Health Insurance Policy from Chola MS?

Health Insurance from Cholamandalam insurance offers comprehensive health coverage that will take care of your hospitalization as well as domiciliary expenses. It will also provide cashless, pre and post hospitalization, free medical check-ups and tax benefits. It has a range of health insurance plans that are suitable for an individual as well as the family. The claim process is also effortless and trouble-free. One can call on their toll free number or request for a call back to gather information or to purchase a policy. Recently they also introduced ‘Chola Healthline’ where you can opt for a sum insured up to 10 lakh, 141 daycare procedures, lifetime policy renewal options etc.

Chola MS Health Insurance Plans Overview

Chola MS Classic Health – Family Floater

The Chola MS Classic Health Insurance – Family Floater plan will provide an extensive coverage for the entire family with a single sum assured. It will not only meet your hospitalization expenses but also include ambulance, home nursing care charges etc. This plan is surely going to keep you financially worry-free and give your family best care available.

Chola MS Classic Health Individual

The Chola MS Classic health Individual covers your pre and post hospitalization expenses. This plan ensures your savings are safe and is designed to support your family during a health emergency.

Chola Hospital Cash Healthline

This plan will allow you to receive a daily cash amount for each continuous and completed period of 24 hours during hospitalization. If the hospitalization is in the Intensive Care Unit, the daily cash benefit will be doubled for the duration of ICU confinement. In addition to this, a lump sum convalescence benefit will be paid in case of hospitalization that exceeds a continuous period of 20 days.

Chola MS Critical Healthline Insurance

With Chola MS Critical Healthline Insurance, you are ought to get fixed benefit policy with a flexible sum insured options for critical illness. You are also eligible for Income Tax exemption up to Rs.25, 000/- under section 80D of Income Tax Act to cover your spouse and dependent children.

Chola Super Topup Healthline

This specific plan provides coverage for higher medical expenses for families on a floating sum assured or Individual sum insured basis. The policy will pay up to sum insured in excess of the deductible in respect of medically necessary costs.

Example: Mr Khanna has a base health insurance plan of Rs. 3 lakh and a top up of Rs. 5 lakh. In case of any emergency hospitalization, with a claim of Rs. 8 lakh, Rs. 3 lakh will be paid by his base insurance plan and Rs. 5 lakh from his top up policy.

Individual Healthline Insurance

The Individual health insurance is a comprehensive plan that not only offers coverage for hospitalization but also for other expenses associated with hospitalization. The policy will also provide maternity expenses, external aids such as specs, contact lens, hearing aids etc.

Chola Swasth Parivar Insurance

This particular plan provides hospitalization expenses for families on floating sum insured and personal accident cover for your family on Individual Sum insured basis. It also covers pre and post hospitalization, coverage for 2 children from age 3 months and up to 26 years.

Silent features of Cholamandalam MS Health Insurance

Provides lifetime coverage

Will provide pre and post hospitalization

Will provide 24x7 claim assistance and hassle-free claim settlement

Unlimited room rent on selected plans

Life time renewal

Provides coverage on 20 main critical illness on selected health plans

Will provide tax benefit under section 80(D)

Claim Process

Cashless Claim

In case of a cashless claim, one has to intimate claim to Chola MS, and they would coordinate with hospital / nursing home directly and settle the bills after the insured patient is discharged. The Insured person will have to approach the TPA desk at the hospital with the Chola MS health card, investigation reports, and a photo id proof. However, in case the cashless is denied, the insured has to pay the bills and submit the claim documents for reimbursement.

Reimbursement Claim

In case of reimbursement, the insured will have to file for a reimbursement claim with Chola MS. Chola MS will process claim as per the policy rules and regulations and reimburse the medical expenses covered to the insured, if the claim is admissible.

Following documents will be required to process the claim:

The Claim form duly signed and filled with all the necessary details.

All documents pertaining to hospitalization like doctor’s prescription, medical investigation report, medical bills, invoice and other bills or documents related to the treatment.

Following documents are required for processing of the claim in a critical care policy:

A fully filled and signed claim form.

All relevant documents that prove the diagnosis of the critical illness.

First consultation paper.

Details from the attending physician like reports, past medical and surgical history.

Thus, Chola MS comes with years of expertise in terms of claims handling as well as providing health plans as per one’s requirement.

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