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IRDAI/I NTAII/BA/51/2018
CIN: U72900KA2018PTC110119

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This is a health insurance plan that meets the health insurance needs of the insured person and his or her loved ones with the benefit of specific sum insured amounts for each person. The features of the plan are as follows: The plan is sub-categorised under Standard, Superior and Advanced plans Sum insured amount ranges from Rs. 3 lakhs to Rs. 10 lakhs Pre and post hospitalization expenses covered for 60 and 90 days respectively 141 Daycare procedures are covered that do not require 24 hours hospitalization Daily cash allowance is provided if a shared occupancy room is chosen There is a cumulative bonus of 5% for every claim-free year, that is subject to a maximum of 50% of the Sum Insured There is a minor accompaniment allowance under the Superior and Advanced plans Every two claim-free years there is a free health check up and eye examination Emergency ambulance charges are covered Domiciliary expenses are covered under the Superior and Advanced plans Maternity expenses are covered under the Superior and Advanced plans Ayurvedic treatment is covered under the Advanced plans Dental expenses are covered under the Advanced plans The cost of spectacles, hearing aids and other such external aids are covered under the Advanced plans There is lifetime renewability in this plan Eligibility Coverage is provided from the age of 18 years to 65 years. A child can be covered from three months onwards to twenty six years if one parent is covered under this plan Chola MS Topup Healthline Insurance Plan – this is a health insurance plan that provides additional coverage for higher medical expenses on a floating sum insured basis or individual sum insured basis. The features of the plan are as follows: There are seven plans within this policy with varied sum insured amounts / deductible combinations to suit every persons requirements Pre and post hospitalization expenses covered for 60 and 90 days respectively Hospitalization expenses Emergency ambulance charges are covered up to Rs. 3000 per hospitalization There is lifetime renewability in this plan Eligibility Coverage is provided from the age of 18 years to 65 years. A child can be covered from three months onwards to twenty six years if one parent is covered under this plan No medical check up till the age of 55 years and above Applying for Health Insurance Plans from Chola MS Health insurance plans offered by the company can be applied to through multiple channels like: Individuals desirous of availing any of the health insurance plans can simply call the Sales helpline of the company and speak to the customer service representative. They can provide their name, mobile number and email id on the website of the company and request for a call back Interested individuals can send an SMS to 56677 with the keyword `CHOLA HEALTH. Interested individuals can log on to the company website, go through the various health insurance policies mentioned and opt to buy any of them online. Lastly, customers may also visit the companys branches or get in touch with an agent to buy the plans required.

This is a health insurance plan that is suited for young families. It covers hospitalization expenses as well as other medical expenses such as ayurvedic treatments, maternity, dental and eye care. The plan covers the insured person plus his or her spouse and children with a floater sum insured that allows any family member to make a claim up to the full sum assured. The insured person has the option to choose his or her plan category under this policy, as there are three sub-categories offered, which are Standard, Superior and Advanced. These sub-categories have been divided according to the Sum Insured amount and therefore certain benefits differ as well. The features of the plan are as follows: Benefits received under this plan is for a floater Sum Insured value up to Rs. 15 lakhs Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 60 and 90 days respectively 141 Daycare procedures are covered that do not require 24 hours hospitalization There is lifetime renewal on the policy After two continuous claim-free years there is a free health check up There is a cumulative bonus of 5% for every claim-free year, that is subject to a maximum of 50% of the Sum Insured There is a cash allowance provided for the accompaniment of a minor Emergency ambulance charges are covered up to Rs. 1000 to Rs. 3000, depending on the type of plan chosen A percentage of room rent and ICU room rent charges are covered Treatment of an illness or injury without hospitalization is covered Pre and Post natal expenses are covered Dental treatments are covered under the Advanced plans Treatments under Ayurveda are covered under the Advanced plans On the advice of a medical practitioner and with a valid prescription, costs of Spectacles, contact lenses, hearing aids, prosthetic appliances, etc., are covered under the Advanced plans Domiciliary expenses are covered under the Superior and Advanced plans There is a daily cash allowance if a shared accommodation is chosen Maternity expenses are covered under the Superior and Advanced plans Eligibility Coverage is provided from the age of 18 years to 65 years. Up to two children can be covered from three months onwards to 25 years if one parent is covered under this plan. This plan has coverage of up to for the self, spouse and dependent children A pre-policy health check up is required only after the age of 55 years.

Health Insurance Plans have become very important in the modern age due to the rising cost of medical expenses and the treatment costs of various ailments. Moreover, the current lifestyle of individuals has made them more prone to diseases and ailments, which require medical attention. Medical costs are spiraling upwards and there is no relative growth in the income of the common man who eventually faces a financial crisis when faced with a medical emergency. Thus, it is prudent to insure oneself against any medical contingencies that may arise so that the financial aspect of the crisis is at least handled by the insurance company and the medical costs do not become a burden on the average middle-class man List of Health Insurance plans offered by Chola MS The company offers a variety of health insurance plans to customers. Let us take a look at each of the plans in detail: Chola MS Healthline Plans –this is a comprehensive health insurance plan covers medical expenses for families on a floating sum insured basis that covers self, spouse and two dependent children. It also provides coverage on individual sum insured basis that covers self, spouse, dependent children, dependent parents, parents-in-law and siblings. The benefits under this policy are provided via three different plans, which are Value Healthline, Freedom Healthline Enrich Healthline. Value Healthline Plan Benefits received under this plan is for a Sum Insured value of Rs 2 lakhs Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 30 and 60 days respectively Daycare procedures are covered that do not require 24 hours hospitalization Domiciliary treatment is covered where the treatment is undertaken at home for a maximum of 7 days in a single policy year Emergency ambulance charges up to Rs. 1000 are covered per hospitalization Treatment expenses for the organ donor at the time of organ transplant are covered There is the Ayush Benefit where medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy are covered 50% of the cost of the pre-insurance health check up will be reimbursed on the issuance of the policy Customer can opt for co-payment where he or she can opt for voluntary deductibles that are mentioned in the policy. This will reduce the premium amount that will have to be paid. Therefore, some amount will be paid by the insured for any treatment taken and the rest is paid by the company. In case of co-payment for those aged above 55 years, the percentage will be 10% on all claims. There is lifetime renewal on the policy The policy may be availed for one, two or three years at a go. There is a discount of 6% on the second year policy and a discount of 12% on a third year policy There is an exclusive 5% to 50% discounts at pharmacies, labs, hospitals, fitness centers, etc., all over the country Eligibility Coverage is provided from the age of 18 years to 65 years. A child can be covered from three months onwards to 26 years if one parent is covered under this plan This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law. A pre-policy health check up is required after the age of 45 years. Freedom Healthline Plan Benefits received under this plan is for a Sum Insured value of Rs 3 lakhs, Rs. 5 lakhs and Rs. 7.5 lakhs Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 60 and 90 days respectively 141 Daycare procedures are covered that do not require 24 hours hospitalization Domiciliary treatment is covered where the treatment is undertaken at home for a maximum of 7 days in a single policy year Emergency ambulance charges up to Rs. 2000 are covered per hospitalization Treatment expenses for the organ donor at the time of organ transplant are covered There is the Ayush Benefit where medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy are covered 50% of the cost of the pre-insurance health check up will be reimbursed on the issuance of the policy There are no sub-limits on room rent tariffs, consultation fees and diagnostic costs There is a cumulative bonus of 5% for every claim-free year, that is subject to a maximum of 50% of the Sum Insured There is lifetime renewal on the policy The policy may be availed for one, two or three years at a go. There is a discount of 6% on the second year policy and a discount of 12% on a third year policy There is exclusive 5% to 50% discounts at pharmacies, labs, hospitals, fitness centers, etc., all over the country Eligibility Coverage is provided from the age of 18 years to 65 years. A child can be covered from three months onwards to 26 years if one parent is covered under this plan This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law. A pre-policy health check up is required after the age of 45 years. Enrich Healthline Plan Benefits received under this plan is for a Sum Insured value of Rs 3 lakhs, Rs. 5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 60 and 90 days respectively 141 Daycare procedures are covered that do not require 24 hours hospitalization Domiciliary treatment is covered where the treatment is undertaken at home for a maximum of 7 days in a single policy year Emergency ambulance charges up to Rs. 2000 are covered per hospitalization Treatment expenses for the organ donor at the time of organ transplant are covered There is the Ayush Benefit where medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy are covered 100% of the cost of the pre-insurance health check up will be reimbursed on the issuance of the policy There is a child hospitalization allowance of Rs. 500 per day for 7 days. This allowance is provided for every hospitalization When there is a minimum of 10 days hospitalization, an extended hospitalization allowance is provided in the form of a lump sum of Rs. 10,000 Double Sum Insured benefit is provided if the insured person is diagnosed with 14 specified illnesses and any accident There is a free health check up once in every two claim-free years Room rent, diagnostic charges and consultation fees are covered There is a cumulative bonus of 50% for every claim-free year, that is subject to a maximum of 100% of the base Sum Insured There is lifetime renewal on the policy The policy may be availed for one, two or three years at a go. There is a discount of 6% on the second year policy and a discount of 12% on a third year policy There is exclusive 5% to 50% discounts at pharmacies, labs, hospitals, fitness centers, etc., all over the country Eligibility Coverage is provided from the age of 18 years to 65 years. Up to four children can be covered from three months onwards to 26 years if one parent is covered under this plan This plan has coverage of up to for the self, spouse, dependent children, dependent parents or parents-in-law and siblings. A pre-policy health check up is required after the age of 45 years.

1. How to pay premium? What are the modes of payment available? You can pay your insurance premium in THREE ways Direct Bank Debit (Auto Debit): You can avail the auto debit facility/directly transfer the cash to the Cholamandalam MS General Insurancebank account. You will get a discount in your premiums, too. Online Payment: Pay your premium online using your Debit/Credit card on the e-Portal Mobile Payment: Recently the insurer has launched mobile application to pay car insurance premium. 2. How can I check my policy status for Cholamandalam health insurance? Existing policyholders can log into the insurers website with their valid login details to check the policy status. New users must create their account first and then can check their policy status. It just takes 5 minutes to register. 3. What is the policy renewal process for Cholamandalam health insurance? Online or mobile registered users can directly renew their policy on the go. However for others, they must visit any of the nearest branches in the city to fill up the renewal form and attach a cheque of premium amount. Process for online users Step 1: Please login with your login ID and password on the e-Portal Step 2: Choose mode of Payment- Debit/Credit card, Net Banking Step 3: Complete payment and print the cyber receipt 4. What is the company process to settle the claim for Cholamandalam health insuranc? Cholamandalam MS General Insurance ensures claims are settled within a specific period of 30 days, provided the claims form is duly filled and the essential documents (medical reports and bills) are attached and deposited in any of the branches in the city. 5. What is the policy of cancellation process for Cholamandalam health insurance? To cancel the policy you need to walk into any of the nearest branch offices in your city with your policy documents and a duly filled surrender form. The premium refund will be made, upon deducting the applicable charges. You might be interested following insurance plans provided by Cholamandalam: Cholamandalam Car Insurance Cholamandalam Commercial Vehicle Insurance Cholamandalam travel Insurance Cholamandalam Home Insurance Cholamandalam Personal Accident

this is a fixed benefit health insurance policy with flexible sum insured options for listed critical illnesses that are mentioned in the policy. The features of the plan are as follows: Lump sum payment for a range of critical illnesses Sum insured amount ranges from Rs. 3 lakhs to Rs. 50 lakhs There are two sub-categories of plans to choose from which are the Standard and the Advanced Plan. The Standard Plan covers ten critical illnesses, while the Advanced Plan covers 12 critical illnesses plus ambulance charges up to Rs. 1000. The critical illnesses covered under the Standard Plan are as follows – cancer of a specified severity, stroke resulting in permanent symptoms, first heart attack of specified severity, open chest CABG, kidney failure requiring regular dialysis, Multiple Sclerosis with persisting symptoms, major organ/bone marrow transplant, permanent paralysis of limbs, surgery of aorta, primary pulmonary arterial hypertension. The Advanced Plan covers all the above critical illnesses plus Parkinsons Disease and Motor Neuron Disease with Permanent Symptoms There is lifetime renewability in this plan Eligibility Coverage is provided from the age of 5 to 65 years. Chola Hospital Cash – this is a plan that provides for a specified amount every day for which the insured is hospitalized to take care of the familys financial requirements. The policy is further sub-categorized under six different plans. The features of the plan are as follows: Hospital cash benefit for normal hospitalization is provided in which a daily cash amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to sickness. Hospital Cash for ICU hospitalization is provided in which twice the daily amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours due to sickness. A convalescence benefit is provided in the form of a lump sum amount if the insured person is hospitalized for more than 20 continuous days There is lifetime renewal of policy Up to 50% of the cost of the pre-policy health check up is reimbursed on issuance of the policy There is a family discount of 5% if two family members are covered and a discount of 10% if more than two members are covered Eligibility Coverage is provided from the age of 18 years to 65 years. A child can be covered from three months onwards to twenty six years if one parent is covered under this plan This plan has coverage of up to for the self, spouse, dependent children, siblings and dependent parents

this insurance plan provides comprehensive insurance cover for hospitalization expenses for families on a floating sum basis as well as Personal Accident Cover for family member on individual sum insured basis. The features of the plan are as follows: Benefits received under this plan is for a Sum Insured value of Rs 3 lakhs, Rs. 4 lakhs, and Rs. 5 lakhs. There are two variants of this plan – Pearl and Royale. Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 30 and 60 days respectively 141 Daycare procedures are covered that do not require 24 hours hospitalization Domiciliary treatment is covered where the treatment is undertaken at home for a maximum of 7 days in a single policy year Emergency ambulance charges up to Rs. 2000 are covered per hospitalization Treatment expenses for the organ donor at the time of organ transplant are covered There is Dual protection under the Royale Plan of this policy where there is hospitalization cover on floater basis and personal accident cover on individual basis There is lifetime renewal on the policy Eligibility Coverage is provided from the age of 18 years to 65 years. Up to two children can be covered from three months onwards to 26 years if one parent is covered under this plan This plan has coverage of up to for the self, spouse and dependent children A pre-policy health check up is required only after the age of 55 years. Chola MS Tax Plus Healthline Plan – this is a health insurance plan that covers hospitalization expenses as well as non-hospitalization (OPD – Outpatient Department) expenses. The features of the plan are as follows: Benefits received under this plan is for a Sum Insured value of Rs 1 lakhs to Rs. 5 lakhs Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 60 and 90 days respectively 141 Daycare procedures are covered that do not require 24 hours hospitalization There is lifetime renewal on the policy A percentage of room rent and ICU room rent charges are covered Treatment of an illness or injury without hospitalization is covered Pre and Post natal expenses are covered All dental treatments are covered Treatments under allopathy as well as Ayurveda, Unani, Sidha and Homeopathy are covered On the advice of a medical practitioner and with a valid prescription, costs of Spectacles, contact lenses, hearing aids, prosthetic appliances, etc., are covered There is a cumulative bonus of 5% for every claim-free year, that is subject to a maximum of 50% of the Sum Insured Eligibility Coverage is provided from the age of 18 years to 65 years. Up to two children can be covered from three months onwards to 35 years if one parent is covered under this plan. The age limit is 35 years for a female child and 25 years for a male child This plan has coverage of up to for the self, spouse and dependent children A pre-policy health check up is required only after the age of 55 years.

Overview Cholamandalam MS General Insurance Company Limited is a joint venture between an Indian company, Murugappa Group and a Japanese insurance company, the Mitsui Sumitomo Insurance Company. The Murugappa Group with its headquarters located in Chennai is one of Indias biggest industrial houses. The Mitsui Sumitomo Insurance Company is an expert in insurance and is the third largest property insurance company in Japan. Cholamandalam Insurance is a rapidly growing insurance provider in India. It started operations in India in the year 2001 and has over 100 branches located all over the country. Cholamandalam MS General Insurance Company was awarded the best insurance company in India for `In time claims settlement for the year 2011 – 2012. Chola MS is a health insurance company that aims to bring excellent health care services within the reach of the common man. The company offers a range of products designed to meet all the requirements of the individual. Advantages of availing health insurance plans from Chola MS Chola MS is a rapidly growing insurance provider in India, it strives to become a trusted leader in the health insurance industry; it provides simple yet innovative solutions for health insurance. Chola MS provides a vast array of health insurance plans that caters to individuals, families and senior citizens. The company was awarded the best insurance company in India for `In time claims settlement for the year 2011 – 2012. Thus, it is easy to understand the priority that Chola MS places on claim settlement and how efficient its processes are. Given below are the advantages of buying health insurance plans from Chola MS: The company has a network of over 4300+ empanelled hospitals all over that offer cashless procedures. The company has in-house specialized team of doctors who oversee claims processes and who process the claims quickly. Select Chola MS Health Insurance plans provide double coverage for accidents and critical illnesses. Domiciliary hospitalization is covered. Over 140 daycare procedures are covered under these plans. Select plans have unlimited room rent limit. Customers get a tax benefit on the premiums of the health insurance policies that they pay under section 80D of the Income Tax Act. Pre and post hospitalization cover is provided to customers. Customers enjoy a lifelong renewal benefit on the plans availed. If the customer has a no-claim year, they will enjoy special benefits through an increment in the sum assured when the policy is renewed the following year.

Overview Cholamandalam MS General Insurance Company Limited is a joint venture between an Indian company, Murugappa Group and a Japanese insurance company, the Mitsui Sumitomo Insurance Company. The Murugappa Group with its headquarters located in Chennai is one of Indias biggest industrial houses. The Mitsui Sumitomo Insurance Company is an expert in insurance and is the third largest property insurance company in Japan. Cholamandalam Insurance is a rapidly growing insurance provider in India. It started operations in India in the year 2001 and has over 100 branches located all over the country. Cholamandalam MS General Insurance Company was awarded the best insurance company in India for `In time claims settlement for the year 2011 – 2012. Chola MS is a health insurance company that aims to bring excellent health care services within the reach of the common man. The company offers a range of products designed to meet all the requirements of the individual. Advantages of availing health insurance plans from Chola MS Chola MS is a rapidly growing insurance provider in India, it strives to become a trusted leader in the health insurance industry; it provides simple yet innovative solutions for health insurance. Chola MS provides a vast array of health insurance plans that caters to individuals, families and senior citizens. The company was awarded the best insurance company in India for `In time claims settlement for the year 2011 – 2012. Thus, it is easy to understand the priority that Chola MS places on claim settlement and how efficient its processes are. Given below are the advantages of buying health insurance plans from Chola MS: The company has a network of over 4300+ empanelled hospitals all over that offer cashless procedures. The company has in-house specialized team of doctors who oversee claims processes and who process the claims quickly. Select Chola MS Health Insurance plans provide double coverage for accidents and critical illnesses. Domiciliary hospitalization is covered. Over 140 daycare procedures are covered under these plans. Select plans have unlimited room rent limit. Customers get a tax benefit on the premiums of the health insurance policies that they pay under section 80D of the Income Tax Act. Pre and post hospitalization cover is provided to customers. Customers enjoy a lifelong renewal benefit on the plans availed. If the customer has a no-claim year, they will enjoy special benefits through an increment in the sum assured when the policy is renewed the following year.