Health Insurance Plan



Life is a surprise package of joys, happiness, challenges and setbacks. Sudden illness, accidental injuries and medical emergencies can throw us off guard anytime. While they drain us emotionally, owing to the soaring prices of medical services, the hospitalization and medicinal expenses can burn a big hole in your pocket. A good health insurance policy is mandatory to combat these tough times as it covers you and your loved ones completely against sudden financial burden caused by medical emergencies. Having a good health insurance plan ensures an immense peace of mind and assurance that you can focus on the healing and recuperation of your loved ones, instead of financial worries.




Individual health insurance in India can be availed by any individual resident between the ages of 18 to 65 to undergo treatment in India. Chola Health Insurance is a comprehensive health coverage that takes care of your expenses related to hospitalization and domiciliary so that all your financial burdens are covered during a sudden medical emergency. Buying a health policy at Chola MS is extremely convenient now as you can acquire a hassle free online health insurance plan from Chola MS website.




Here are the special elements of our medical insurance plan:


  • Double coverage for accidents and critical illness on selected health plans (on selected health Plans)
  • Cover for Domiciliary hospitalization
  • Lifetime coverage
  • Cashless hospitalization at 4300+ hospitals across India
  • Cover for 140+ Day-care procedures
  • Pre and post hospitalization expenses
  • 20 main critical illnesses covered (on selected health plans)
  • Unlimited room rent (on selected health plans)
  • Lifetime renewal
  • Tax benefit under section 80 (D)
  • 24×7 claim assistance and easy claim settlement


Why Choose Health Insurance by Chola MS?


Medical insurance from Chola MS provides you the following benefits:

  • Cashless treatment 

    – We provide you a network of hospitals, where you can avail cashless treatment facilities.


  • Pre and post hospitalization 

    – We pay for your pre and post hospitalization charges, up to 30 days prior to hospitalization & up to 60 days after discharge from hospital.


  • Ambulance charges 

    – In case of any medical emergency, ambulance charges as listed in the policy shall be payable.


  • Cumulative Bonus 

    – If no claims are made on your health cover in a particular year, you will be entitled for special benefits through an increment in the sum insured when you renew the policy the following year.


  • Free medical check up 

    – A history of no claims is rewarded with a free medical check up.


  • Tax benefits 

    – When you pay the premium for your health insurance policy, you are eligible to get a tax rebate under section 80D of the Income Tax Act for a maximum value of Rs.25,000 for self, spouse and dependent children and Rs. 30,000 for parents over 60 years of age.


  • Co-payment 

    – If you wish to reduce the premium amount, you can opt for voluntary deductibles mentioned in the policy. This means that some amount will be paid by the insured for any treatment undertaken, while the rest will be paid by the insurer.


  • Critical illness 

    – We will pay the insured person the sum insured as a lump sum if the insured is diagnosed as suffering from a critical illness listed in the policy.

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