You need health cover regardless of what you take two at a time - pills or stairs.

    • Chola MS Swasth Parivar Health Insurance Plan

    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.

    Check Your Eligibility

    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 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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