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Chola MS Individual Health

Eligibility  
Entry Age (years)  
Maximum 55
Maximum Policy Renewal Age (years) 69
Coverage Type Individual/ Dependent parents upto 65 years of age
Sum Insured (Rs)  
Maximum 10 lakh
Minimum 50000
Policy Term (years) 1
No Claim Bonus 5% of Sum Insured for each claim free year upto maximum of 50%
Pre Policy Medical Check Up Not required upto 45 years of age
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 customercare@cholams.murugappa.com
Call to 044-3044 5400, 1800-200-5544 (Toll Free)
SMS SMS "CHOLA" to 56677
Network Hospitals Http://www.cholainsurance.com/nwhosp/
Scope Of Cover
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
Day Care Procedures141 in number are covered
Emergency ambulancecovered upto Rs 2000 per insured per policy year
Additional benefits (on payment of extra premiums)
General health check upcovered as per policy conditions
Eye examinationcovered as per policy conditions
Hospital daily allowancecovered ranging from Rs 75 to Rs 1000 depending on basic sum insured
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
Other exclusionstreatment of cataract, hernia, sinusitis, hydrocele etc.dental treatment, HIV/aids and related conditionsNon-allopathic treatment