| Eligibility | |
| Entry Age (years) | |
| Minimum | 18; 3 Months for Children |
| Maximum | 65, 35 years for dependent female child and 25 years for dependent male child |
| Maximum Policy Renewal Age (years) | Lifetime |
| Coverage Type | Individual/ family |
| Sum Insured (Rs) | |
| Maximum | 10 lakh |
| Minimum | 4.50 lakh |
| No Claim Bonus | 5% of Sum Insured for each claim free year |
| Pre Policy Medical Check Up | Not required upto 55 years of age |
| 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/ |
| Policy Term (years) | 1 |
| Scope Of Cover | |
| Cashless facility | available at network hospital |
| Reimbursement facility | available if treatment taken in a non-network hospital. |
| Pre and post hospitalisation | covered from 60 days prior to hospitalisation and upto 90 days after discharge from hospital |
| Inpatient hospitalisation | covered with sub-limits on certain treatments |
| Room, Boarding & Nursing Expenses | Sum Insured Rs4.5/5.5 Lakhs - AC single room up to Rs3000 per day; Sum Insured Rs 7.5 & 10 Lakhs: Maximum 1% of the Sum insured |
| Day Care Procedures | 141 in number are covered |
| Daily Cash for choosing shared accommodation | Rs 500 / day for a maximum of 14 days with 1 day deductible |
| General Health Check up & Eye Examination | covered |
| Emergency ambulance | Rs 3000 per insured per policy year |
| Minor Accompaniment Daily Cash | Rs250 / day for a maximum of 14 days with 1 day deductible |
| Home Hospitalization | Up to 25% of SI (Maximum of Rs 1 lakh) |
| Maternity Expenses | Rs25,000 for normal & Rs 40,000 for caesarean |
| Ayurvedic Treatments | Up to 7.5% of SI (specifictreatments only) and 20% co-payment |
| OPD Dental | 1% of SI -Maximum of Rs5000 with 30% co-payment |
| External aids (Specs, Contact lens, Hearing aids) | 1% of SI -Maximum of Rs5000 once in a block of 2 years with 30% co-payment by insured |
| Exclusions and Waiting Period | |
| Pre-existing diseases | not covered uto 48 months of continuous coverage from first policy year |
| No claim Period | 30 days from commencement of the policy |
| Waiting period | Maternity expenses will be covered after a waiting period of five years.Certain illnesses such as cataract, hernia, sinusitis etc. will be covered after one year from commencement of the insurance policy.Certain illnesses such as spondilitis, heart disease, gout & rheumatism etc. after 2 years have elapsed since inception of the policy. |
