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    • Chola MS Swasth Parivar Health Insurance Plan

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    Chola Swasth Parivar is one of the health insurance policies offered by Cholamandalam MS.

    Chola Swasth Parivar is a holistic insurance policy offers a personal accident cover for family members (individual sum insured) and covers hospitalization expenses of families as well (floating sum insured) at an affordable premium.

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    Features & Benefits of Chola MS Swasth Parivar:

    The following are the salient features of Chola Swasth Parivar

    Entry age Minimum: 18 years Maximum: 65 years
    Features
    • Chola Swasth Parivar insurance policy comes with two plans which offer flexible options in terms of sum insured
    • Offers dual protection of personal accident coverage (individual sum insured) and hospitalization cover floating sum insured)
    • Covers pre-hospitalization expenses for up to 30 days and post-hospitalization expenses for up to 60 days
    • Covers 141 day care procedures which entail hospitalization for less than 24 less than 24 hours
    • No medical check-up will be done for up to 55 years
    Coverage
    • Coverage is provided for up to 2 children (3 months to 26 years)
    • Hospitalization expenses (standard) which are covered under this policy are listed below:
      • 141 day care procedures
      • Surgery, oxygen and anaesthesia costs
      • ICU charges
      • Boarding charges
      • Nursing charges
      • Doctor's fees
      • Plaster casts
      • Medicines costs
      • Physiotherapy
    Sub-limits The following are the sub-limits for various ailments under this health insurance policy
    Diseases Limits (in Rs)
    Cataract 20,000
    Tonsillectomy 20,000
    Appendectomy 30,000
    Coronary Angiography 20,000
    Surgery of hernia 40,000
    Urinary surgery 25,000
    Treatment of fracture 1 lakh
    Kidney Stone Removal 30,000
    Benefits The following table shows the benefits under the Pearl and Royale plans. Pearl plan includes Section I only while Royale includes both Section I and II Section I
    Feature Coverage
    Hospitalisation Expenses Rs.3,00,000 (plan 1) Rs.4,00,000 (plan 2) Rs.5,00,000 (plan 3)
    Co-payment 10% on expenses (non network hospital)
    Compulsory Co-payment 15% on each claim
    Room Rent 1% of the Sum Insured
    Day Care Services Covered
    Pre-Hospitalisation Upto 30 days
    Upto 30 days Upto 60 days
    Section II Personal accident cover for spouse is listed in the table below:
    Condition Cover Plan 1 Plan 2 Plan 3
    Death 3,75,000 5,00,000 5,00,000
    Permanent Disablement (Partial) 1,87,000 2,50,000 2,50,000
    Permanent Disablement 3,75,000 5,00,000 5,00,000
    Personal accident cover for self is listed below:
    Condition Cover Plan 1 (Rs) Plan 2 (Rs) Plan 3 (Rs)
    Death 7,50,000 10,00,000 10,00,000
    Permanent Disablement (Partial) 3,75,000 5,00,000 5,00,000
    Permanent Disablement 7,50,000 10,00,000 10,00,000
    Personal accident cover for child is listed below:
    Condition Cover Plan 1 (Rs) Plan 2 (Rs) Plan 3 (Rs)
    Death 1,50,000 2,00,000 2,00,000
    Permanent Disablement (Partial) 75,000 1,00,000 1,00,000
    Permanent Disablement 1,50,000 2,00,000 2,00,000
    Premium The following table shows the premium offered under this policy
    Plans Sum Insured Royale Pearl
    Plan 1 Rs.3,00,000 7,919 5,100
    Plan 2 Rs.4,00,000 9,337 5,890
    Plan 3 Rs.5,00,000 10,548 6,960
    Renewal Lifetime renewal
    Tax benefits Available under section 80 D for up to Rs.15,000
    Claims
    • Claims can be made across all network hospitals. Insurance provider must be informed 24 hours prior to admission for planned hospitalization and 24 hours after hospitalization for emergency
    • Complete claim forms with all required documents have to be submitted under 30 days after discharge for hospitalization at a non-network hospital
    • Customers can call Chola helpline at 1800-200-5544
    Exclusions The following table shows the list of exclusions related to hospitalization and personal accident insurance
    Hospitalization Personal Accident
    • Pre-existing conditions are excluded till four years of coverage without break from the commencement date
    • Cataract, Fibromyoma Fistula in anus, Hernia, Sinusitis and related disorders are covered after one year of commencement date
    • Except accidents, all expenses in the first 30 days of policy commencement are covered
    • Knee joint replacement, gallbladder, duodenal ulcers, nodules, breast lumps, ENT disorders, surgery for prolapsed inter vertebral disk and tonsils covered only after two years of commencement of policy
    • Suicide
    • Self-inflicted injury (sane or insane)
    • Terrorism
    • Sports training

    Disclaimer: Please read the terms and conditions in the policy document carefully before signing up

    Also Read: How to File a Claim with Chola MS Health?

    Other Health Insurance Plans from Chola MS:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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