What is Cholamandalam MS Group Health Insurance?

Chola MS Group Health Insurance provides coverage for hospitalisation expenses for illness or injury on an indemnity basis. The policy is offered on a Family Floater basis, and cashless facility is available at a network of over 11,000 hospitals nationwide. Premium paid under the cholams group health

Who is eligible for Cholamandalam MS Group Health Insurance?

Bank of Baroda account holder can avail of the Chola group health insurance plan. The policy term is one year from the commencement date, and there are multiple sum insured options to choose from.

Can I add my family members to the group health insurance plan

Under the family floater option, dependents such as spouse, children (between 3 months to 26 years), and parents can be included in the Chola MS group health insurance policy . It is necessary to include dependents at the time of proposing for the policy, as midterm inclusion is not allowed except for

What is the claim process for Cholamandalam MS Group Health Insurance?

Claims shall be processed on Cashless or Reimbursement basis:Cashless process:Download the network hospital list from www.cholainsurance.com.Obtain pre-authorization 72 hours before planned admission or within 48 hours for emergencies.Reimbursement process:Notify us in writing, email

Is there a waiting period for pre-existing conditions under Cholamandalam MS Group Health Insurance?

Cholamandalam MS Group Health Insurance applies a 24-month waiting period for pre-existing conditions.

Your affordable choice, When it comes to a Group Health Insurance Plan

CholaMS Group Health Insurance

CholaMS group health insurance covers your family of up to 7 members at an affordable price. All mothers can get their maternity expenses covered. Buy group health insurance policy from Bank of Baroda for all-family inclusive health insurance.

Benefits
Features
Disclaimer
Exclusions

CholaMS Group Health Insurance : Benefits

Inpatient Hospitalisation Expenses	Covered
Room Charges	SI- Rs.3 Lakhs - Upto 1% of Sum Insured per day SI- Rs.5/7.5/10 Lakhs - Standard Single AC Room ICU-Actuals
Pre-hospitalization Expenses	30 days
Post- hospitalization Expenses	60 days
Day Care Procedures	141 Procedures Covered
Ambulance Charges	upto Rs.2500/- per hospitalisation
Domiciliary Hospitalisation Cover	Upto 20% of Sum Insured
AYUSH Treatment	Inpatient Hospitalisation upto Sum Insured. Naturopathy is excluded from Scope of Cover
Accompanying Person Food Expenses	Rs.500/- per day of hospital stay for an admissible claim
Maternity Cover	Upto Rs.20,000/- per child for Normal Delivery & Caesarean Section. Pre & Post hospitalisation expenses are not covered
Renewal Benefit
Health Check up Benefit	Upto Rs.2,000/- per family, once in every two continuous claim free years
Waiting Periods
30 days	Applicable for Sickness/Illness. Nil for Accidents
12 months	Applicable for Specific listed illness
24 months	Applicable for Pre-existing Diseases/Condition
9 Months	Maternity Expenses covered after 9 months

CholaMS Group Health Insurance : Features

Individual and Family Floater Sum Insured Options
Comprehensive cover for a family of 7 including parents
Extended entry age till 70 years
No Sublimits for named illness or daycare procedures
Covers pre-existing illness just after two years
Cashless facility at over 10000+ network hospitals
No Third Party Administrator for health claims. All claims handled in house.

Cover Type	Family Floater Plans		Individual Plan
Who can be covered	Self, Spouse and 3 dependent Children	Self, Spouse, 3 dependent Children and dependent Parents upto 2	Self
Sum Insured (SI)	Rs.3/5/7.5/10 lacs
Policy Tenure	1 Year
Entry Age	Self + Spouse + Parents – 18 Yrs to 70 Yrs Children – 03 months to 26 Yrs
Pre acceptance medical check up	Not required

CholaMS Group Health Insurance : Disclaimer

Bank of Baroda is authorized by the Insurance Regulatory and Development Authority to act as a Corporate Agent from 01/04/2022 to 31/03/2025 for procuring or soliciting business of Life insurance, General insurance & Standalone Health insurance under Registration Code CA0004". Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions please read the sales read sales brochure carefully before concluding a sale. The purchase of Insurance products by Bank of Baroda customers is purely on a voluntary basis. The insurance products are underwritten by the respective insurance company. Bank of Baroda does not perform any insurance e-commerce activity on its website. The contract of insurance is between the insurer and the insured; and not between the Bank and the Insured.

CholaMS Group Health Insurance : Exclusions

(For complete list of exclusions, please refer to the master policy wordings available with Bank of Baroda)

Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. Excl12
Dietary supplements and substances that can be purchased without prescription, including but not limited to vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalisation claim or day care procedure. Code – Excl14
Refractive Error: Expenses related to the treatment for correction of eye sight due to refractive error less 7.5 dioptres. Code – Excl15
Circumcision unless necessary for the treatment of an Illness not otherwise excluded in this Section, or required as a result of Accidental Bodily Injury.
Pre- and post-hospitalisation expenses are not covered under Maternity benefit

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What is Cholamandalam MS Group Health Insurance?

Chola MS Group Health Insurance provides coverage for hospitalisation expenses for illness or injury on an indemnity basis. The policy is offered on a Family Floater basis, and cashless facility is available at a network of over 11,000 hospitals nationwide. Premium paid under the cholams group health insurance qualifies for tax exemption under Section 80D of the Insurance Act.
Who is eligible for Cholamandalam MS Group Health Insurance?

Bank of Baroda account holder can avail of the Chola group health insurance plan. The policy term is one year from the commencement date, and there are multiple sum insured options to choose from.
Can I add my family members to the group health insurance plan

Under the family floater option, dependents such as spouse, children (between 3 months to 26 years), and parents can be included in the Chola MS group health insurance policy . It is necessary to include dependents at the time of proposing for the policy, as midterm inclusion is not allowed except for newborn babies or newly married individuals. Eligibility for coverage extends to adults aged 18 to 70 years and children aged 3 months to 26 years.
What is the claim process for Cholamandalam MS Group Health Insurance?
Claims shall be processed on Cashless or Reimbursement basis:

Cashless process:

Download the network hospital list from www.cholainsurance.com.

Obtain pre-authorization 72 hours before planned admission or within 48 hours for emergencies.

Reimbursement process:

Notify us in writing, email (customercare@cholams.murugappa.com), or phone before admission for elective hospitalizations.

Notify us within 2 days of admission or before discharge for emergency hospitalizations.

Submit claim documents, including the filled and signed claim form, within 30 days of discharge/treatment completion.
Is there a waiting period for pre-existing conditions under Cholamandalam MS Group Health Insurance?

Cholamandalam MS Group Health Insurance applies a 24-month waiting period for pre-existing conditions.