Chola Super TopUp Plan
Cholamandalam MS General Insurance
6.8/10
OneAssure Rating
6.8/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
Covers a single private room and ICU charges up to the sum insured, ensuring quality hospitalization benefits.
Day Care Treatments
Covers all procedures requiring hospitalization under 24 hours, including cataract surgery and chemotherapy, up to the sum insured.
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Our Verdict
Chola Super Top-up enhances existing coverage with flexible deductibles and affordable premiums. Add-ons like global treatment and critical illness riders provide extra protection, making it ideal for those seeking cost-effective, supplementary health insurance.
About the Plan
The Chola Super Top-up Plan is designed to provide additional financial protection beyond your base health insurance policy. It covers medical expenses exceeding a specified deductible limit, ensuring cost-effective coverage for high medical bills. This plan offers flexibility in choosing deductibles and sum insured options, making it a great supplement for existing health policies. It includes hospitalization, daycare treatments, and pre- and post-hospitalization expenses. With affordable premiums and wide coverage, it enhances your healthcare security without significant additional costs.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
The Chola Super Top-up Plan does not impose any specific room rent or ICU limits.
Advanced Treatments
The list details advanced medical procedures like robotic surgeries, stem cell therapy, and minimally invasive treatments such as HIFU and laser vaporization, indicating access to modern healthcare.
Co-payment
The Chola Super Top-up Plan may have a copayment clause depending on the insured’s age or specific policy terms. Some plans may require a percentage of claim amount to be paid by the policyholder, while others may offer a no-copayment option.
Waiting Period
Chola Flexi Health Supreme (Premiere) has a 30-day initial waiting period, 24 months for specific illnesses, and 48 months for pre-existing diseases.
Cashless Healthcare Providers
Extensive network of over 10,000 cashless healthcare providers across India.
Daycare Treatment
The plan covers all day care procedures requiring hospitalization for less than 24 hours, including surgeries and advanced treatments, up to the sum insured.
AYUSH Treatment
Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured, promoting holistic healthcare options.
Exclusions
Pre-existing diseases are not covered during the waiting period.
Injuries or illnesses caused by self-inflicted harm or suicide attempts.
Cosmetic or plastic surgery unless required due to an accident or medical necessity.
Treatment for alcohol or drug abuse, addiction, or substance misuse.
Any medical expenses incurred outside the policy’s coverage territory.
War, terrorism, nuclear radiation, or biological weapon-related medical conditions.
Infertility treatments, pregnancy, and childbirth-related expenses unless specified.
Non-medical expenses like dietary supplements, vitamins, or wellness treatments.
Treatment for HIV/AIDS or other sexually transmitted diseases.
Exclusions
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About the Company
Cholamandalam Health Insurance is a product of Cholamandalam MS General Insurance Company Limited, a Murugappa Group of India, and Mitsui Sumitomo Insurance of Japan-origin joint venture established in November 2001. The company offers a variety of health insurance policies broadly designed to cover medical consumptions for individuals and families.
Such health insurance plans usually help with hospitalization expenses, doctors’ consultation, surgery, medicines, and other ancillary medical expenses. The health care packages have already been made with the provisions for the critical diseases like cancer, heart, kidneys, and stroke from which the patient can also get customized plans of covid-19 for treating and protecting. The insurance policies are now available either as individual or family floater options that can provide an easier fit to the diverse health care requirements.
Cholamandalam MS General Insurance mainly focuses on affordability and accessibility with the objective of providing quality healthcare services to the wider population. Cholamandalam Mediclaim Policy is becoming popular with the support of its customer-friendly products and a large hospital network as one of the most reliable decisions to take care of your health and financial needs in India
About the Company
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FAQs
Frequently Asked Questions
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
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