You are here because of an Insurance Claim. Relax. We have your back.
Chola MS HELP(Health Everlasting Protection) is an in-house health claims processing until conceptualized in 2008.Awarded with ISO 9001:2015 certification in 2011, the unit has been handeling more than 20 lacs lives. Chola MS HELP has won the prestigious "Health Insurer Claims team of the year Award - Asian Award" in 2013. Not just that, the unit has been rated one of the best health claim service by MINT survey 2022.
Lives covered since inception
Strong Network Hospitals
Average TAT for Cashless Approvals
Reimbursement Claims Settlement TAT
Claims Settlements Ratio for FY 2023-24
Claims handled in 2023-2024
To enhance accessibility and comfort to our customers in getting treatment from the doctor / hospital of their choice.
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Firstly, once you or your family member are admitted, you will have to inform the hospital administration that the patient is a policyholder with Chola MS General Insurance.
After this, you will have to produce your Chola MS insurance document along with the valid ID proof for verification and as proof of the policy.
Post verification of the policy details, the pre-authorization form will need to be submitted to Chola MS.
Chola MS will review the documents / information provided by the hospital and start processing the cashless approval keeping in mind the terms and conditions of the medical policy.
In some cases, Chola MS may hire a field doctor to conduct the authorization process at the hospital.
As per policy terms and conditions & eligibility, cashless request will be approved by Chola MS & settlement will be done to the hospital directly.
Firstly, once you or your family are admitted in a non-network hospital, the same should bee intimated to Chola MS via our dedicated toll free no. 1800 208 9100 or file your claims online within 24 hours of admission
After discharge, you have to pay the complete hospitalization bill to the hospital and you will have to fill the reimbursement claim form and submit the complete hospitalization documents hard copy to our nearest Chola MS branch office or to our Chennai claims office.
Reimbursement claim form shall be downloaded either from our website or you can reach out to our dedicated toll-free number. and also list the document to be submitted are mentioned below*.
if the documents are in order, Chola MS will pay you the claim as per policy terms and conditions & eligibility.
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These are the main documents that are needed when filling a health insurance policy claim
Claim from duly filled and signed.
Prescription of doctor advising the admission
Discharge card issued by the hospital
Final hospital bill(in original) and payment receipt
Medical investigation reports
CKYC(insured only)
Medicine bills with the supporting prescriptions
Invoice / sticker for implants if used in surgery
Other bills or documents related to the treatment
Medico Legal Certificate(MLC) / FIR in case of road traffic accidents(RTA)
Cancelled Cheque of insured bank account to make the claim payment through NEFT.
Have a doubt? Need some information? Choose an option to get in touch with us.
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In case of change in name, address or any other details in the policy, you can contact Chola MS for endorsement request. The request will be raised and the same changes will be updated in the policy.
Garlic, often revered for its culinary and medicinal qualities, is more than just a flavorful addition to your meals. This humble bulb is packed with a range of health benefits that can enhance both heart and skin health. Incorporating garlic into your diet can lead to significant improvements in overall well-being. In this blog, we at Chola MS delve into the top ten garlic benefits that make it a powerhouse.
Masala chai, a spiced tea blend native to India, has gained worldwide popularity for its rich, robust flavor and its numerous health benefits. This aromatic beverage is more than just a treat for the senses; it’s a powerhouse of health-boosting ingredients. In this blog, we at Chola MSl explore masala chai's top five health benefits. Read on and see how it makes perfect addition to your daily routine. What Are the Health.
In our fast-paced lives, finding moments of tranquillity and self-care becomes essential for our overall well-being. Daily yoga practice offers a sanctuary away from the chaos, rejuvenating not just our bodies but also refreshing our minds and spirits. Committing to a daily yoga routine can truly revolutionise your health in countless enriching.
The monsoons in India are much awaited! The rains give relief to not just humans but plants and animals as well. But this much-needed break from the intense summer heat also brings with it some concerning challenges, such as an increase in waterborne diseases, mosquito-borne illnesses, and infection transmissions. It is important to stay healthy during the monsoon season which requires special care and proactive measures. That is why we at
The rainy season offers a refreshing escape from the scorching summer heat. But the rains also brings along some troublemakers with it - mosquitoes! These tiny little insects are notorious, posing a great threat to humans through their bites and the diseases they spread. In this blog, we at Chola MS suggest five easy and practical tips to help you avoid mosquito.
Mentha spicata, commonly known as Pudina, is an aromatic herb belonging to the mint family. Pudina is a versatile herb that extends far beyond its culinary uses. Its refreshing aroma and unique flavour have captivated people for centuries, but the true power of Pudina lies in its health benefits. Let us delve deeper to uncover the diverse health benefits of mint leaves and learn how this magical herb can contribute to your overall well-being. Top 6 Health.
Surya Namaskar, also known as Sun Salutation in English, is one of the most well-known and widely practised yoga asanas. This ancient yogic practice is the practice of honouring the sun, which is seen as a symbol of energy, life, and vitality in many cultures. It consists of a series of seven yoga poses performed in a specific 12-step sequence. UNDERSTANDING SURYA NAMASKAR FOR WEIGHT LOSS Surya Namaskar is highly recommended for weight loss because.
Maintaining optimal health requires a balanced intake of essential nutrients, among which Calcium plays a pivotal role. Calcium is one of the most important and abundant nutrients found in our bodies. We often hear about how it is responsible for strong bones and teeth, but in reality, most of the Calcium benefits are not known to many! The truth is, Calcium is a powerhouse nutrient, responsible for a lot of work behind the scenes. In this blog, we will explore the.
Our days have gotten busier. And for many of us these means our nights are not that restful either. We at Chola MS general insurance find that statistics indicate that fewer people are getting good quality sleep every night. Insomnia, characterised by difficulties in falling or staying asleep, affects countless individuals globally, wreaking havoc on their physical and mental health. Amidst a plethora of remedies or insomnia therapy, one natural solution stands out for its calming prowess.
In a world where hair loss and poor hair quality have become prevalent issues, the quest for remedies has led many to explore natural solutions. Among these, the incorporation of dry fruits into one's diet has emerged as a promising avenue for enhancing hair growth and improving overall hair quality through better nutrition. Hair loss affects a significant portion of the population, with statistics revealing alarming numbers, especially among young adults. Factors such as dandruff.
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In India, purchasing a health insurance policy is not required. However, financial security, such as that provided by a health insurance coverage, is critical in the event of a medical emergency.
Is it a good idea for me to buy health insurance online?Buying online is the way to go if you want a speedy and painless transaction. We are here to assist you in purchasing Health Insurance quickly and easily. Your money difficulties will be alleviated even more by our many payment alternatives. Your medical insurance coverage is issued online, so you won't have to carry a paper copy with you. All of these considerations, combined with prompt customer service, make purchasing a Health Insurance coverage online a superior option
How can I save taxes with Health Insurance?Bajaj Allianz General Insurance Health Insurance policy helps you save tax up to INR 1 lakh under Section 80D against the premiums you pay. Here’s how you can save tax:
On the premiums you pay for yourself, your spouse, children and parents, you can avail INR 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at INR 50,000. As a taxpayer, you may, therefore, maximize tax benefit under Section 80D up to a total of INR 75,000, if you are below 60 years of age and your parents are senior citizens. If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, INR 1 lakh.
Who is eligible to purchase health insurance?You can purchase a health insurance policy in India, if you are an Indian citizen and above 18 years of age. If you are a minor (below 18 years of age), then your parents can cover you under their any medical insurance plans.
What is covered by health insurance?Health insurance covers you for hospitalization expenses including pre & post hospitalization expenses, doctor’s consultation fees and in-patient expenses.
I’ve already invested in life insurance. Do I still need Health Insurance?Life insurance is a great investment and death cover option but it won’t come in handy to pay rising medical bills. A Health Insurance cover is a solution to deal with hospitalization and pay heavy medical expenses, should they arise. So, Health Insurance plans are your cover against unexpected health-related costs that may threaten to deplete your savings.
Do you mean by entry age and exit age?Entry age specifies that you should be at least that much old, so that you can get coverage under a health insurance policy. Exit age means that you will not be covered under your health insurance policy after crossing a certain age limit. The entry age and exit age are different for different health insurance plans.
What is a ‘Free look Period’?Health insurance companies in India grant you a free look period of 15 days, during which you can analyze the health insurance policy that you have purchased. You can cancel your health insurance policy in these 15 days if you think that this medical insurance plan is not suitable for you without paying any cancellation fee.
Who are considered to be ‘dependents’?Your children, spouse, parents and parents-in-law can be added as dependents in your health insurance policy.
What is ‘Co-payment’? What are ‘deductibles’?Co-payment is the fixed percentage of the claim amount that you need to pay for every health insurance claim. While, deductible is the fixed amount that you need to pay when you make a health insurance claim.
What is meant by ‘restoration’ or ‘reinstatement’ of sum assured?Restoration or reinstatement of sum assured means that if you exhaust your existing SI, then it will automatically replenished to cover you for the next hospitalization expenses in the same policy year. However, you cannot carry forward the restoration benefit and it cannot be used for the same illness/injury for which you have once made a claim in your policy year.
What is the benefit of day care health insurance?With technological advancement, you are not required to get hospitalized for procedures like Septoplasty or lithotripsy. But, the medical expenses related to these procedures are very expensive. It is beneficial to have day care medical insurance plans, so that you are covered for these kinds of surgeries or medical procedures where you are not required to stay in the hospital for more than 24 hours.
Tell me about pre-existing diseases and waiting period.Pre-existing diseases are those you may already know the existence of in your life before you buy a medical insurance policy. Hence, you must declare any pre-existing disease/condition at the time of buying medical insurance plans.
One of the key factors to keep in mind is that the pre-existing diseases have a waiting period (which differs from company to company). Hence, by taking a policy at a young age you can only hope that by the time, and if you are diagnosed with a disease that falls under the pre-existing category, your waiting period will be complete. Also, you can ensure that you are eligible to avail full benefits of your medical insurance policy.
Which is sub-limit amount?Sub-limit is the maximum amount that your health insurance policy will pay towards your medical expenses.
What are the differences between Health Insurance and Personal Accident Insurance?Health insurance is where you can file a claim and your insurer will reimburse you the claim amount up to the Sum Insured. On the other hand, Personal Accident insurance plan pays you the entire Sum Insured once you file a claim.
What is the difference between Family Floater & Individual Health Policy?Individual health insurance policy has different Sum Insured for all the members covered under the policy, whereas all the insured members share a common Sum Insured under a family floater health insurance.
How can I get a new member added to my existing family floater health insurance?You can fill a health declaration and endorsement form along with the additional premium amount to cover a new member to any existing family floater medical insurance plans.
How do I make changes in my health insurance policy details after receiving the policy documents?You can change your details online by visiting our website or contact our customer care executive, who will help you make the required changes.
What if I want to renew my health insurance policy after one year?You can renew your health insurance policy after one year. But, if there has been a break in your health insurance renewal, then you might need to contact our customer support team, who can guide you to take further necessary steps.
I am already having health insurance and want to increase sum insured, what should I do?You can contact our customer support team and get complete details of the steps that you need to take to increase the Sum Insured.
If my policy is not renewed in time before expiry date, will I be denied for renewal?You can renew your health insurance policy even after its expiry during the grace period of 30 days with all the benefits reinstated. However, if you do not renew your policy after the grace period is over, then you might have to start from scratch to get yourself covered.
Is it possible to transfer my policy from one insurance company to another without losing the renewal benefits?
Yes, with health insurance portability, you can switch your health insurance company.
Is Medical Test mandatory for everyone?No. usually medical tests are not mandatory for people below the age of 45 years. However, your insurance company can ask you to undergo certain medical tests depending upon the medical history submitted by you and the health insurance policy opted by you.
Who pays for the medical examination?You have to bear the cost of the medical examination that you undergo before buying a health insurance policy. It can also be reimburse depending upon policy terms and conditions.
Is my health insurance policy valid for Pan-India?Yes, you are covered for all your health related emergencies with your health insurance provider all over India, subject to terms and conditions of your policy.
What are the fine prints which I should know before buying health policy?Before you buy a health insurance policy, you should take care of the following things:
✓ You should look for the exact coverages provided by your health insurance policy.
✓ You should take a note of waiting periods and exclusions.
✓ You should not hide anything from your health insurance provider like pre-existing illnesses.
✓ You should check the online processes of the insurance company.
✓ You should thoroughly enquire about topics like policy cancellation, policy lapse and policy renewal with your insurer.
✓ You should also take a good look at the break-up of your health insurance premium and clear all your doubts before making the payment.
What do you mean by health card?Health insurance companies in India provide you a health card with your health insurance policy, which you can use at network hospitals to avail the cashless treatment benefit.
Will duplicate policies be issued if the original is lost?Yes, you can get a duplicate health insurance policy if you lose the original one. However, you might have to pay some fixed amount to get the duplicate copy of your health insurance policy.
How do I cancel my health insurance policy?If you have just purchased your health insurance policy, you can cancel it in the free look period without paying any cancellation fee. But, you will have to pay the premium amount for the number of days the policy covered you.
02 September 2023
Very helpful during the need of claim within network& non network hospitals.
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CIN :U66030TN2001PLC047977. IRDAI Registration Number 123
All Rights Reserved. Cholamandalam MS General Insurance Company Ltd. Insurance is the subject matter of solicitation. Reg office: 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai - 600001, India. IRDAI Registration Number : 123. Trade logo displayed above belongs to ‘CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED” and Mitsui Sumitomo Insurance Company Limited and used by Chola MS under license.
Important Message: By submitting your contact information on forms on our website, you agree to be contacted by our Customer Service Representatives.
The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale.
CIN :U66030TN2001PLC047977. IRDAI Registration Number 123
All Rights Reserved. Cholamandalam MS General Insurance Company Ltd. Insurance is the subject matter of solicitation. Reg office: 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai - 600001, India. IRDAI Registration Number : 123. Trade logo displayed above belongs to ‘CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED” and Mitsui Sumitomo Insurance Company Limited and used by Chola MS under license.
Important Message: By submitting your contact information on forms on our website, you agree to be contacted by our Customer Service Representatives.
The advertisement contains only an indication of cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale.
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