Cholamandalam MS Flexi Health Insurance Plan

If the sum insured gets exhausted during the year, then 100% of the base sum insured will be recharged for treatment of any other illnesses.

For example, Mr. Narang made his first claim of Rs.7 lakhs for being hospitalised for treatment of corona disease in the year 2020. After his first claim, the restoration benefit will be triggered up to 100% of the cover amount i.e. Rs.10 lakhs. In the same year, Me.Rao was hospitalised for treatment of dengue and a bill amount of Rs.5 lakhs was raised. Under the recharge benefit of Flexi plan, Mr. Narang doesn't have to pay anything additional as it will be covered.

In case of hospitalisation of more than 24 hours, the in-patient treatment costs will be covered under this plan.

Pre & Post Hospitalisation

Costs incurred prior to being hospitalised and post release from the hospital are covered. Any medical expenses 30 days preceding hospitalisation and 60 days post release will be covered. The cost incurred is accepted if the policyholder is admitted in-patient for the same reason.

Know more about Pre & Post hospitalisation expenses in health insurance plan

Day care treatments are when the policyholder takes clinical treatment at a hospital that doesn't need hospitalisation for over 24 hours. The costs connected with daycare medicines or even OPD medicines, diagnostic tests are completely covered under the Cholamandalam MS Flexi Health care coverage Plan. Around 10+ day care treatments are covered under this plan. You should refer to the specific treatments which are covered under daycare in this plan.

Know more about Day Care Treatment in health insurance

AYUSH stands for Ayurveda, Unani, Siddhi, and Homoeopathy treatments, which are covered under this plan. Expenses related to any of such treatments are covered up to the limit of cover amount. This benefit can be availed provided that the policyholder decides on AYUSH treatment at any of the public authority clinics or any foundation perceived by government up to the extent of the cover sum.

Domiciliary hospitalisation is medical treatment of diseases at the residence of the insured for the reason of unavailability of beds at the hospital or advice of certified Surgeon. In a situation where the sickness or illness can be treated by giving home therapy and only if advised by the Specialist, then, at that point, it will be treated as Domiciliary hospitalisation. The costs brought about during domiciliary hospitalisation in the policy period will be considered for claim settlement up to the limit of cover sum selected by the policyholder.

In the Flexi Health Insurance Plan, if the policyholder opts for ambulance transportation to the nearest hospital or in case of transfer of hospitalisation for better medical treatment, or for any other medical emergency then the expenses incurred will be covered. This plan covers expenses up to 1% of the cover amount to a maximum limit of Rs. 2,000 per hospitalisation.

Flexi Plan covers clinical costs towards treatment of the policyholder's newly conceived child during their in-patient hospitalisation.This would include in-patient hospitalisation costs caused on the new conceived child during and post birth. It covers expenses incurred upto 10% of the cover amount subject to a maximum of Rs.5,000.

This plan offers a cumulative bonus of an increase by 10% in the cover amount with every claim free year. This benefit is subject to a continuous renewal and a maximum of 50% of the cover amount.

One can avail a health check up for various diagnostic tests right from the day the policy is purchased. You can utilise the health check up facility on a cashless basis at any 8,000+ network hospitals of Cholamandalam MS General Insurance Company.

In the event that the policyholder needs to go through an organ transplant, the clinical costs for the organ donor's in-patient treatment along with the policyholder is covered. In any case, the pre and post hospitalisation costs of the contributor won't be covered.

In case if the policyholder is diagnosed to have a significant disease, the insurance provider can set up a brief assessment from specialists from anywhere around the world. This advantage can be availed just one time in the policy period. The expenses incurred during second opinion will be covered maximum up to Rs. 25,000.  The policyholder has an option to choose for an international second opinion in this plan, by paying an additional premium.

In the event of the unfortunate death of the insured person, this plan also covers the expenses arising from the transportation of an insured person’s deceased  body for other rituals. The expenses are covered up to the limit of Rs. 3,000.

Flexi Health Plan offers daily benefit of Rs. 500 per day towards accompanying person expenses with Insured person up to a maximum of 10 days per policy period.

Under this plan, the policyholder can claim upto 25% of the cover amount, subject to a maximum of Rs. 3 lakhs once during policy period in situations of road traffic accidents. However, restoration and recharge benefit will not be applicable for claims related to road traffic accidents.

In this plan, the immediate family member can visit the insured person in case of being hospitalised. The cost incurred during travelling will be reimbursed up to Rs. 5000. This can be availed in case of life threatening medical emergency situations.