Chola MS Flexi Health

Benefits of Chola MS Flexi Health

Chola MS Flexi Health offers a multitude of features and benefits, allowing customers to customize the health plan as per their requirements:

• Road Traffic Accident Benefit
  Chola MS Flexi Health Insurance policy offers a road traffic accident benefit for a sum insured value of INR 3 Lakh and above. This benefit provides up to 25% of the sum insured, to a maximum of INR 3 Lakh, once during the policy period for claims arising from road traffic accidents.
• Compassionate Travel Benefit
  Policyholders can avail of the compassionate travel benefit. The plan offers reimbursement of air travel expenses up to a maximum of INR 5,000 per policy year if an immediate family member is admitted to the hospital for a life-threatening emergency medical condition.
• Daily Care Benefit
  A daily benefit of INR 500 per day is provided for accompanying personal expenses, up to a maximum of 10 days per policy period.
• Avail Medical Second Opinion
  The plan provides reimbursement for the cost of obtaining a specialist medical second opinion for various treatments, up to a maximum of INR 25,000.
• Tax Benefits
  All premiums paid towards the Chola Flexi Health Plan are eligible for tax benefits under Section 80D of the Income Tax Act of India.

Claim Process of Chola MS Flexi Health

To avail claim settlement services, the insured individual must follow the process below:

Cashless Claim

• On hospitalization of self or a family member, the customer must inform the hospital that they are a Chola MS policyholder.
• Submit your policy number and show your policy card along with a valid ID proof to the hospital administration.
• After verification of your documents, a pre-authorization form is filled and submitted to Chola MS Insurance.
• The insurer will review the documents and proceed with the verification.
• Once the verification is completed, Chola MS will settle the claim directly with the hospital.

Reimbursement Claim Process

• On hospitalization in a non-network hospital (for self or a family member), the customer must inform the insurer on the toll-free number 1800-208-9100 within 24 hours of hospitalization.
• On discharge from the non-network hospital, the insured individual must pay the complete hospitalization bill, fill the pre-authorized reimbursement claim settlement form, and submit it to the nearest Chola MS branch along with the hospitalization documents.
• Once the documents and form are verified, Chola MS will pay the reimbursement claim as per your policy terms and conditions.