Chola MS Swasth Parivar Health Insurance Plan
Chola Swasth Parivar is one of the offered by Cholamandalam MS. Chola Swasth Parivar is a holistic health 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.
Chola MS Swasth Parivar Benefits
- 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
Chola MS Swasth Parivar 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
Chola MS Swasth Parivar 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
Features of Chola MS Swasth Parivar
The following are the salient features of Chola Swasth Parivar
Entry age | Minimum: 18 years Maximum: 65 years |
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 |
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 |
Death | 3,75,000 |
Permanent Disablement (Partial) | 1,87,000 |
Permanent Disablement | 3,75,000 |
Death | 7,50,000 |
Permanent Disablement (Partial) | 3,75,000 |
Permanent Disablement | 7,50,000 |
Death | 1,50,000 |
Permanent Disablement (Partial) | 75,000 |
Permanent Disablement | 1,50,000 |
Plans | Sum Insured |
Plan 1 | Rs.3,00,000 |
Plan 2 | Rs.4,00,000 |
Plan 3 | Rs.5,00,000 |
Renewal | Lifetime renewal |
Tax benefits | Available under section 80 D for up to Rs.15,000 |
Hospitalization | Personal Accident |
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Disclaimer: Please read the terms and conditions in the policy document carefully before signing up
GST rate of 18% applicable for all financial services effective July 1, 2017.
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