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Chola MS Family Health

Entry Age (years)  
Maximum 45
Maximum Policy Renewal Age (years) 69
Coverage Type Family floater
Sum Insured (Rs)  
Maximum 5 lakh
Minimum 2 lakh
Policy Term (years) 1
No Claim Bonus 5% of Sum Insured for each claim free year
Grace Period for Policy Renewal 15 days
Policy Termination Insurer can terminate this policy after giving a 30 days notice. Proposer can also put off the policy by giving a 7 days notice period. If no claim has been made, insurer will return premium on a pro-rata basis
Customer Service  
Address Registered Office:Cholamandalam MS,
General Insurance
Company Ltd,
2nd Floor, "Dare House",
No.2, NSC Bose Road,
Chennai - 600001, India
Mail to [email protected]
Call to 044-3044 5400, 1800-200-5544 (Toll Free)
SMS SMS "CHOLA" to 56677
Network Hospitals Http://
Scope Of Cover
Sum Insured (In Rs.)
5 lakh4 lakh3 lakh2 lakh
Cashless facilityavailable at network hospital
Reimbursement facilityavailable if treatment taken in an non-network hospital. Policyholder will have to bear 10% of the expenses in such a case
Pre and post hospitalisationcovered from 60 days prior to hospitalisation and upto 90 days after discharge from hospital
Inpatient hospitalisationcovered
Room rent per dayupto Rs3000upto Rs2500upto Rs2000upto Rs 1500
Day Care Procedures141 in number are covered
Emergency ambulancecovered upto Rs 1000 per policy year
External aidscovers Abdominal belts and Trusses (used post-hernia and related surgeries), Belts for prolapsed Inter-vertebral Disc, Artificial limbs, Crutches and Wheel-chair for maximum upto Rs 10000
Home nursing care allowance daily benefitupto Rs 300upto Rs 300upto Rs 200upto Rs 200
Hospital daily allowanceupto Rs 500 per day for 14 daysupto Rs 400 per day for 10 daysupto Rs 300 per day for 7 daysupto Rs 200 per day for 7 days
Exclusions and Waiting Period
Pre-existing diseasesnot covered upto 48 months of continuous coverage from first policy year
No claim Period30 days from commencement of the policy
Waiting period1 year for certain illnesses such as hernia, cataract, sinusitis etc.
Other exclusionsdental treatment, HIV/aids and related conditions