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Group Health Insurance 402 views July 31, 2021
Chola Group Critical Illness Insurance Policy provides financial coverage to the insured in case he/she is diagnosed with a critical illness during the policy term. This policy is available to persons aged between 18 and 65 years. The coverage under this policy is available for primary insured members of the group and his/her spouse and children. Read this page and know more about the coverage of Chola Group Critical Illness Insurance Policy.
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The insurer shall pay the insured a lump sum benefit equal to the sum insured in case of diagnosis of any of the covered critical illnesses during the policy term. You have three different coverage options under the Chola Group Critical Illness Insurance Policy. Check the table below to know the illnesses covered under each of these three options.
Standard | Extra | Advantage |
---|---|---|
Cancer of Specified Severity Myocardial Infarction (First Heart Attack of specific Severity) Major Organ /Bone Marrow Transplant Stroke Resulting In Permanent Symptoms Open Chest CABG Kidney Failure Requiring Regular Dialysis Permanent Paralysis Of Limbs Multiple Sclerosis With Persisting Symptoms Motor Neuron Disease With Permanent Symptoms Open Heart Replacement or Repair of Heart Valves Third Degree Burns End Stage Lung Failure Benign brain tumour Blindness Coma of Specified Severity | Cancer of Specified Severity Myocardial Infarction (First Heart Attack of specific Severity) Major Organ /Bone Marrow Transplant Stroke Resulting In Permanent Symptoms Open Chest CABG Kidney Failure Requiring Regular Dialysis Permanent Paralysis Of Limbs Multiple Sclerosis With Persisting Symptoms Motor Neuron Disease With Permanent Symptoms Open Heart Replacement or Repair of Heart Valves Third Degree Burns End Stage Lung Failure Benign brain tumour Blindness Coma of Specified Severity Surgery to Aorta Primary (Idiopathic) Pulmonary hypertension Parkinson’s Disease Aplastic Anaemia End Stage Liver Failure Fulminant Viral Hepatitis Muscular Dystrophy | Cancer of Specified Severity Myocardial Infarction (First Heart Attack of specific Severity) Major Organ /Bone Marrow Transplant Stroke Resulting In Permanent Symptoms Open Chest CABG Kidney Failure Requiring Regular Dialysis Permanent Paralysis Of Limbs Multiple Sclerosis With Persisting Symptoms Motor Neuron Disease With Permanent Symptoms Open Heart Replacement or Repair of Heart Valves Third Degree Burns End Stage Lung Failure Benign brain tumour Blindness Coma of Specified Severity Surgery to Aorta Primary (Idiopathic) Pulmonary hypertension Parkinson’s Disease Aplastic Anaemia End Stage Liver Failure Fulminant Viral Hepatitis Muscular Dystrophy Goodpasture’s syndrome Apallic syndrome Systemic lupus erythematosus Multiple system atrophy Progressive scleroderma Pneumonectomy Pulmonary artery graft Alzheimer’s disease Cardiomyopathy Brain surgery Progressive supranuclear palsy Creutzfeldt-jakob disease (CJD) Major Head Trauma Encephalitis Loss of Speech Bacterial Meningitis Deafness |
You can enhance your coverage by adding optional covers and paying an additional premium under Chola Group Critical Illness Insurance:
Accidental Death Benefit – In case you sustain any bodily injury due to an accident during the policy period and die within twelve months of its occurrence, the company will pay the sum insured as shown in the policy schedule.
Permanent Total Disability Benefit (PTD) – If the accidental bodily injury results in PTD within twelve months of the accident, the company will pay 100% of the sum insured for the loss of
Permanent Partial Disability Benefit (PPD) – If you suffer from PPD due to an accident, the company will pay a percentage of the sum insured as specified in the policy schedule.
The insurer shall not be liable to pay if you have any signs and symptoms or are diagnosed with any of the covered critical illnesses within the first 90 days from the date of commencement of the policy. The waiting period doesn’t apply to hospitalization due to an accident.
Upon diagnosis/occurrence of any of the above-mentioned critical illnesses, intimate the insurer within 30 days by
You will need to send the intimation in the following format:
After that, you need to submit the following claim documents to Chola MS –
You need to submit the following documents for processing of the claim in respect of the optional covers shown below:
For Accidental Death
For Permanent Total and Partial Disablement:
Send the above-mentioned documents to the following address:
Cholamandalam MS General Insurance Company Limited Chola MS HELP – Health Claims Department New No.319, Old No.154, Shaw Wallace Building, 2nd Floor, Thambu Chetty Street, Parry’s Corner, Chennai – 600001