Cholamandalam Insurance Plans

Cholamandalam Hospital Cash Healthline Insurance

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Plan Type
Health
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  OR age    years
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Key Highlights of Hospital Cash Healthline Insurance

Chola Hospital Cash Healthline insurance covers expenses for fixed daily allowance for each completed 24 hours of hospitalization. This also includes miscellaneous expenses during hospitalization. Hospitalization from Intensive Care Unit, the daily cash benefit doubles for the duration of ICU confinement. In addition to that a lump-sum convalescence benefit will be paid in case of hospitalisation above continuous period of 20 days.

Cholamandalam Health Insurance review

Cholamandalam Health Insurance
Chola Health Insurance sum insured
2 lacs − 25 lacs options available
Incurred Claims Ratio *
35.00%
Chola Health Insurance tenure options
1,2,3 years options available
Claims Settlement Ratio **
73.87%
List of network hospitals
6,500+ hospitals
Number of policies issued *
103,232
Maximum family floater coverage
Self, Spouse + 4 dependent children
Number of lives covered *
1,806,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Cholamandalam MS Health Insurance FAQ’s

Cholamandalam MS has an extensive network of 6,500+ network hospitals across India. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the Cholamandalam MS network hospital list online.

There is no upper limit on the number of claims during the policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured, unless the chosen plan has a Sum Insured Refill benefit, which provides additional coverage even after filing a claim.

When an insured is hospitalized and stays in hospital for more than 24 hours solely for receiving treatment it is termed as inpatient treatment. Out-patient treatment is when insured visits a clinic/hospital or a consultation room for diagnosis and treatment based on the advice of medical practitioner. In out-patient hospitalization patient is not admitted under a day care or as an in-patient.

It is strongly advised to have Health Insurance on your own as well because of reasons of continuity. Firstly, if you change your job, you might not necessarily get Health Insurance from your new employer. In any case you will be exposed to health costs in the transition period between jobs. Secondly, the track record that you have built in Health Insurance at your old employer will not transfer to the new company policy. Covering pre-existing diseases will be a problem in most group insurance policies. In the recent years, many employers are mandating employees to share a part of the Health Insurance premium and claim amount (copayments) in order to prevent frivolous and fraudulent claims. Therefore to avoid the above problems, it is advisable to take a private policy in addition to your company provided group Health Insurance Policy.

Brochure

Review Chola Hospital Cash Healthline brochure to understand coverage details.


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Proposal form

Fill the online Chola Hospital Cash Healthline proposal form.


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Policy wordings

Review Chola Hospital Cash Healthline policy wordings which explains the terms and conditions.

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Cholamandalam health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Network hospitals

Cholamandalam Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 6,500+ Hospitals

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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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