Cholamandalam MS Health Insurance Overview

Health insurance is an insurance artefact which covers medicinal and surgical expenditures of an insured personage. It compensates the expenses incurred due to sickness or injury or recompenses the core contributor of the insured character directly. Medical costs are increasing day by day. Inflation in the medicinal product is very much higher than inflation in other articles. Health is very vital we should not ignore it, especially for the senior people in our family. We should be ready for any emergency. For that matter, money plays a big role. It may be very risky to arrange a fulsome amount at the eleventh hour. So it is important to go for health insurance. Whenever you are thinking about health insurance Cholamandalam health insurance is always best.

Cashless Insurance

Every medical insurance institution has a tie-up with numerous nursing home and hospitals. If you are admitted to any of them, you have to pay nothing. You just tell them your policy number the rest will be taken care of the hospital authority and your chola ms insurer. This insurance plan is required because there is no stress of claim reimbursement and arranging documentation. But if the payment goes beyond the limit of Cholamandalam health coverage then the hospital will not be responsible for it. In that case, you have to settle it by yourself. Another vital point is cashless mediclaim is not accessible in a position which is not under any hospital network of the insurance provider.

Cholamandalam Health Insurance Inclusions

The coverage offered by chola ms health insurance is affordable, customizable and fulfil your requirements in the best way. The Chola ms health insurance policy includes

  • In-patient hospitalization charge.
  • contributor expenses, in the case of organ transplantation
  • During injuries requiring at once hospitalization
  • Pre-existing illness or syndrome
  • Pre and post hospitalization
  • Ambulance charges
  • Maternity or newborn
  • Health checkups
  • Daycares procedures
  • Home Treatment or domestic hospitalization

Cholamandalam Health Insurance Exclusions

Chola ms health insurance has some of their exclusion means there are some cases when chola ms insurance policy coverage will not work

  • Coverage of critical illness and pre-existing disease is subject to a waiting period of 2 to 5 years.
  • Clear exclusion of expenses incurred for an infant unless a maternity rider has been adding on
  • The harm caused by war/terrorism/nuclear activity/suicide case
  • Terminal illness, AIDS, and another disease of the same type
  • Plastic surgery, replacements of hormones, sex change and others
  • Dental or eye surgery
  • Non-allopathic disease treatment
  • Rehabilitation, common illness etc
  • Diagnostic care procedures
  • Treatment in foreign or by an under-qualified medical professional.

Cholamandalam Health Insurance Claim

In case of emergency, the chola ms insurance policyholders need to submit some documents

  • Discharge card issued by the hospital
  • Inpatient hospitalization lists signed by an authority
  • Doctors prescriptions and medical store bills
  • Claim form with policy beholders sign in on it
  • Valid investigation report
  • Bills of doctors consultation
  • Proofs of an insurance policy from the previous years and the current year
  • Any other document asked any authority or TPA

Top 10 health insurance companies are:

  • Star health insurance
  • HDFC Ergo health insurance
  • Cigna TTK health insurance
  • Apollo Munich health insurance
  • Bajaj Allianz health insurance
  • Bharti AXA health insurance
  • Cholamandalam ms health insurance
  • Future general health insurance
  • SBI health insurance
  • Religare health insurance

Cholamandalam ms general insurance company limited, launched in 2001. Was up by India based Murugappa group, a multi-business conglomerate, and Japan-based Mitsui Sumitomo insurance group as a combined venture to deal with the general insurance market in India. The company provides both individual and corporate insurance resolutions through its 105 branches and around 8000 mediators in the country. Also known as Chola ms, the company was honoured the best insurance company across Asia as ‘Health insurer claims Team’ at the 2013claims Asia awards. It is also received ‘Innovation Leader Award’ for 2012 from Fintelekt and was considered the best insurance company in time claims settlement for the year 2011-12 in the Rashtriya Swasthya Bima Yojana scheme operated under the aegis of the Ministry of Labour and Employment, Government of India.

Purchase Best Chola Ms Health Insurance Online

The principal movement of buying insurance policies online has changed the way people used to think about insurance. Today you can discover multiple insurance plans presented by numerous insurer across the country at your own expediency, based on the information gathered online. Cholamandalam health insurance appreciates the need of insurance of a person and helps you by comparing and suggesting the best insurance among multiple insurance plans as per your affordability.

Cholamandalam Health Insurance Benefits

  • investigate and figure out the greatest health insurance plans
  • Read valuable articles and reports of various insurance companies all over the country
  • Compare and examine multiple health insurance plans
  • come across the health insurance plan for you
  • Read user reviews and choose which insurer to go with
  • Get specialist guidance from a well-versed client support team

The Cholamandalm insurance policy covers family insurance, senior citizens plans, maternity plans and many more. Chola ms insurance plans cover maternity and other supplementary expenses. These policies pay attention of both pre and postnatal care and delivery of an infant (normal or caesarean). Maternity insurance plans have a large collection of network hospital and also look out of the ambulance charges.

Cholamandalam Health Insurance Renewal

You can renew Chola ms health insurance online as well as offline. For the offline process, you have to contact your insurer at least 30 days before the expiry date of your Chola ms insurance and request for a renewal. Any change in the process will be notified by the insurer at the time of renewal. The online payment process is very easy as you just have to enter some details like your policy number and basic details. You can do payment via debit or credit card or through net banking.