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Cholamandalam MS Accident Protection Health Insurance Wordings

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Highlights
Cashless Approval TATWithin 70 minutes
Claim Settlement Ratio94%
Network Hospitals12,000+
Pre-existing Disease Waiting Period3 years
Special BenefitsHigh Coverage
Starting Premium of Rs. 5 lakhs SIRs. 407/month

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Cholamandalam Health Insurance Plan List

  • Family (3)
  • Individual (2)
  • Critical Illness (1)
  • Kids (1)
  • Maternity (1)
  • Parents (1)
  • Senior Citizen (1)
  • Woman (1)
Name of PlanSum Insured
Flexi Supreme Check Premium
Arogya Sanjeevani Policy Min: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
COVID-19 PolicyMin: 3 months; Max: 65 years1 Lakh - 5 Lakh Check Premium
Accident Protection PolicyMin: 6 months; Max: 69 years5 Lakh - 1 Crore Check Premium
Flexi Health PolicyMin: 3 months; Max: 65 years1 Lakh - 25 Lakh Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years50,000 - 2.5 lakh Check Premium
Corona Kavach PolicyMin: 1 day; Max: 65 years50,000 - 5 lakh Check Premium
Hospital Cash Healthline PolicyMIn: 3 Months; Max: 65 Years1000/day Check Premium
Critical Healthline PolicyMIn: 5 Years; Max: 65 Years3 Lakh Check Premium
Healthline Policy Min: 90 Days; Max: 65 Years1 Lakh Check Premium

Cholamandalam Health Insurance Top Up List

  • Top-up (2)
Name of PlanSum Insured
Super Top-up Insurance PlanMIn: 3 Months; Max: 70 Years3 Lakh Check Premium
Top Up Healthline PolicyMin: 3 Months; Max: 65 Years50 Thousand Check Premium

FAQs on Accident Protection Policy Health Insurance Plan

  • What are the sum insured options available under Chola Accident Protection Policy?

    Chola Accident Protection Policy comes with sum insured options ranging between Rs. 5 Lakh and Rs. 1 crore that the insured can choose as per your requirement.  

  • What is covered under the Permanent Total Disability benefit offered under the Accident protection Policy?

    In case of accidental injury that causes the insured Permanent Total Disability and such disability continues for 12 consecutive months, then the insurer will pay the insured a percentage of sum insured as specified below: 

    • Loss of sight of both eyes-up to 100% of sum insured
    • Loss of two entire hands or two entire feet-up to 100% of sum insured
    • Loss of one entire hand and one entire foot-up to 100% of sum insured
    • Loss of sight of one eye and such loss of one entire foot, or hand-up to 100% of sum insured
    • Complete loss of hearing of both ears and complete loss of speech-up to 100% of sum insured
    • Complete loss of hearing in both ears or complete loss of speech and loss of one limb or loss of sight of one eye-up to 100% of sum insured
  • What am I covered for under the Permanent Partial Disability benefit in the Chola Accident Protection Policy?

    In case of an accidental injury that leads to Permanent Partial Disability, which leads to disability has continued for 12 continuous months, then the company will pay the insured the percentage of sum insured as specified below:    

    • Loss of toes: all-20%, great: both phalanges-5%, great: one  phalanx-2%, other than great, if more than one toe lost, each-2%
    • Loss of hearing-both ears-60%
    • Loss of hearing-one ear-30%
    • Loss of speech-60%
    • Loss of 4 fingers and a thumb of a hand-40%
    • Loss of 4 fingers-35%
    • Loss of thumb: both phalanges: 25%, phalanx-10%
    • Loss of index finger-3 phalanges or 2 phalanges or 1 phalanx-10%
    • Loss of middle finger-3 phalanges or 2 phalanges or 1 phalanx-6%
    • Loss of ring finger-3 phalanges or 2 phalanges or 1 phalanx-5%
    • Loss of little finger-3 phalanges or 2 phalanges or 1 phalanx-4%
    • Loss of metacarpals-1st or 2nd, 3rd, 4th or 5th-3%
    • Sense of smell-10%
    • Sense of taste-5%
    • Sight of one eye-50%
    • One hand-50%
    • One foot-50%
  • What is the age criteria to be covered under Chola Accident Protection Policy?

    Any person who is aged between 18 years and 69 years can buy this policy. You can also cover dependent children aged up to 25 years, under the family option.    

  • Can I avail tax benefits under Section 80D of the Income Tax Act, 1961 on the premium paid for this policy?

    No. There are no tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961.

Claim Process at Cholamandalam Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 48 hours and for planned hospitalisation intimate within 72 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Cholamandalam Health Insurance Contact Details

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