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Cholamandalam General Insurance:Compare Plans, Features, Benefits

Cholamandalam General Insurance Company is one of the eminent and leading insurance companies in India. The company is headquartered in Chennai and has been offering services related to insurance for a decade in India. The Cholamandalam General Insurance Company is a joint venture between the Murugappa group which is based out of India and the Mitsui Sumitomo Group which is based out of Japan.

The Cholamandalam General Insurance Company has almost 90 PAN-India centres and also has strong agent strength of almost 9000 agents. The company has a brand philosophy called T3 which stands for trust, transparency, and technology. It has gained popularity among its customer base due to its operational processes which bring customer satisfaction. It has a wide range of products related to health, property, motor, travel, rural, accident, etc. and has been awarded at National and International levels for its services. The main objective of the company is to bring peace to the minds of its customers by providing them with protection against various financial risks.

Important facts about the Cholamandalam General Insurance Company

Let us have a look at some of the important facts about the Cholamandalam General Insurance Company:

  1. At Claim Asia 2014 Awards, the company has been awarded as the ‘Best Health Insurer Claims Team for 2013’
  2. The company has been awarded the ‘Financial Insights Innovation Award’ for contributions made to mobile enablement-Claims Survey Process in the Asian Insurance Congress which was held in Singapore
  3. The Cholamandalam General Insurance Company has been awarded as the best insurance company due to its ‘On-time claim settlement in the year 2011’
  4. The company also received the ‘Innovation Leader Award-2012’ awarded by Fintelekt

Types of products offered by Cholamandalam General Insurance Company

The Cholamandalam General Insurance Company offers a wide range of products for its customers. Let us have a look at the various products of the company.

  1. Cholamandalam Health Insurance Plans
  2. Cholamandalam Travel Insurance Plans
  3. Cholamandalam Comprehensive Car Insurance Plans
  4. Cholamandalam Commercial Vehicle Insurance Plans
  5. Cholamandalam Personal Accident Plans
  6. Cholamandalam Fire Insurance Plans
  7. Cholamandalam Property Crime Insurance Plans
  8. Cholamandalam Home Insurance plans
  9. Cholamandalam Liability Insurance Plans
  10. Cholamandalam Engineering Projects Insurance Plans
  11. Cholamandalam Engineering Operations Insurance Plans
  12. Cholamandalam Marine Insurance Plans

Now, let us discuss each insurance plan in detail.

  1. Cholamandalam Health Insurance Plans

    There are lists of benefits that are offered by the Cholamandalam insurance company for those customers who are investing in the health insurance plans of the company.
    1. The health insurance plans offered by Cholamandalam health insurance policy provides cover for domiciliary hospitalization
    2. There is double coverage provided for accidents and critical illnesses in case of some selected health insurance plans
    3. The health insurance plans offered by the Cholamandalam General Health Insurance Company can be availed as an individual plan or as floater plans
    4. Cashless hospitalization across 6500+hospitals throughout the country is offered by health insurance plans
    5. In addition to the cashless method, the policyholders can avail of the benefits in the form of reimbursement method as well
    6. Coverage for the day-care procedure, coverage for 60 days of pre-hospitalization and 90 days of post-hospitalization expenses, coverage for around 20 critical illnesses are some of the other benefits offered by the Cholamandalam health insurance plans
    7. A selected number of Cholamandalam health insurance plans provide double coverage for accidents and critical illnesses as well
    8. Domiciliary hospitalization and around 140-day care procedures are covered under the Cholamandalam General Health Insurance plans
    9. The Cholamandalam General Health Insurance plans provide coverage for pre-existing diseases after a waiting period of 4 years
    10. The policyholders can avail the benefit of free health checkups in case of 2 claim-free years
    11. Policyholders can avail the benefit of Cumulative Bonus i.e. if no claims are made in a particular year then policyholders can avail the benefit of an increased sum insured at the time of renewal of the policy
    12. Policyholders can opt for the voluntary deductible as this would help them to reduce their premium payment
    13. There is no clause of co-payment in the Cholamandalam Health Insurance policy
    14. The Cholamandalam health insurance plans provide the benefit of lifetime renewability for the policyholders
    15. Tax benefits can be availed by the policyholders under Section 80(D) of the Income-tax Act, 1961

The major health insurance plans which can be included under the Cholamandalam General Health Insurance are mentioned below.

  1. Chola Healthline Plan
  2. Chola Swasth Parivar Plan
  3. Chola Family Healthline Plan
  4. Chola Tax Plus Healthline Plan
  5. Chola Hospital Cash Healthline Plan
  6. Chola Super Top-up Insurance Plan
  7. Chola MS Critical Healthline Insurance Plan
  8. Chola Individual Healthline Plan
  9. Cholamandalam Group Health Insurance Plan

Now, let us check out briefly the various plans included under the Cholamandalam health insurance plans.

  1. Chola Healthline Plan:
    1. The Chola Healthline plan provides coverage for individuals and their families
    2. This is a floater health insurance plan and you can include your spouse, dependent children and your parents in this plan
    3. You can claim the benefits in the form of both cashless benefits or as a reimbursement later
    4. This health insurance plan comes with 3 sub-plans i.e. Value Healthline, Freedom Healthline and Enrich Healthline

  2. Chola Swasth Parivar Plan:
    1. This health insurance plan offers various flexible options that help in providing coverage for the health requirements of your family
    2. Along with the cover for the hospitalization charges, the Chola Swasth Parivar also offers personal accident cover
    3. This helps provide dual protection to you and your family at a nominal premium
    4. The Chola Swasth Parivar Health insurance plan has two sub-plans i.e. Pearl and Royale

  3. Chola Family Healthline Plan:
    1. The Chola Family Healthline plan can be availed as an individual plan or as a floater plan as well
    2. In an individual plan, you will be able to include your spouse and children as well
    3. Moreover, any insured member is capable to claim the entire insured amount
    4. In the case of a floater plan, a sum insured of INR 15 lakhs is available for the policyholders
    5. This plan provides coverage for both Allopathic and Ayurvedic treatment
    6. This health insurance plan consists of 3 sub-plans i.e. Standard Plan, Superior Plan, and Advanced Plan

  4. Chola Tax Plus Healthline Plan:
    1. This health insurance plan can also be availed as an individual plan or even as a floater plan
    2. The sum insured for the Chola Tax plus Healthline plan ranges from INR 1 lakh – INR 5 lakhs
    3. This plan also provides cover for hospitalization expenses and the expenses incurred in OPD

  5. Chola Hospital Cash Healthline Plan:
    1. The Chola Hospital Cash Healthline provides fixed daily allowance in case of every 24 hours which are completed on hospitalization
    2. A lump sum amount would be paid to you if your hospitalization exceeds 20 days continually
    3. Moreover, if there is an admission made into the ICU then the amount of daily cash allowance would be double for a fixed number of days
    4. There are 3 plans available under the Chola Hospital Cash Healthline plan i.e. Plan A, Plan B, and Plan C

  6. Chola Super Top-up Insurance Plan:
    1. The Chola Super Top-up Insurance provides coverage for high medical expenses which can be in the form of a floater plan or an individual plan
    2. This plan when taken in addition to an already existing health insurance plan, as a result, the plan becomes a comprehensive one
    3. For this health insurance plan, there are 7 options i.e. Plan A, Plan B, Plan C, Plan D, Plan E, Plan F and Plan G. Every plan has a deductible which can be considered as the amount which the proposer bears on the submitted claims

  7. Chola MS Critical Healthline Insurance Plan:
    1. The Chola MS Critical Healthline Insurance helps in providing a lump sum amount in case of diagnosis of listed critical illness
    2. You can avail of an Income Tax benefit of up to INR 25,000 per annum as per Section 80D of the Income Tax Act, 1961
    3. There are 2 options available in this plan i.e. Standard plan which covers 10 critical illnesses and advanced plan which covers 12 critical illnesses

  8. Chola Individual Healthline Plan:
    1. Individual Healthline plan is a comprehensive health insurance plan and also covers the incidental expenses which are associated with hospitalization
    2. Maternity expenses, expenses related to external healthcare aids such as spectacles, contact lenses, hearing aids, etc. are also covered under this health insurance plan
    3. This health insurance plan consists of 3 options i.e. Standard, Superior, and Advanced
  1. Cholamandalam Travel Insurance Plan

    In today’s times, the number of persons traveling and the frequency of travels have increased tremendously. These travels can be for work, studies or even leisure. However, there are numerous misfortunes and problems which can arise during traveling. So, to avoid any such problems and to enjoy the pleasure of traveling it is necessary to have travel insurance.

    Cholamandalam Travel Insurance plans include customized travel insurance plans which can be of great help during travels. Now, let us discuss the major features and benefits offered by the Cholamandalam General Travel Insurance plans.The Travel Insurance plans by Cholamandalam Travel Insurance provide coverage for overseas health expenses and insurance coverage which is related to the trip
    1. The Travel Insurance plans by Cholamandalam Travel Insurance provide coverage for overseas health expenses and insurance coverage which is related to the trip
    2. The Cholamandalam Travel Insurance plans also provide coverage for the delay in trips, trip interruptions, trip cancellations
    3. Moreover, Cholamandalam Travel Insurance plans provide coverage for medical and health emergencies which can arise during traveling
    4. There is no need for any medical procedures or health checkups for availing of the benefits of this policy
    5. There is a vast network of hospitals that can be used for cashless hospitalization in case of medical emergencies during travel
    6. For persons up to the age of 60 years, there is provision for availing coverage without any sub-limits
    7. Cholamandalam Travel Insurance plans help in the emigration of the policyholder to the home country in case of any crisis
    8. In case of death of the policyholder in abroad, the expenses incurred in the repatriation of the mortal remains to India is covered under these travel insurance plans
    9. The Cholamandalam Travel Insurance plans help in providing compensation to the policyholder in case the flight is delayed for more than 12 hours from the original departure time
    10. In case of permanent loss of check-in luggage by the insured person, the Cholamandalam Travel Insurance plans will provide compensation to the insured person
    11. If the passport of the policyholder is lost during travel, the expenses incurred in obtaining a new passport are covered under the Cholamandalam travel insurance plans
    12. Hijack distress allowance is also provided by the Cholamandalam travel insurance plans
    13. If there is any theft or robbery while traveling, the Cholamandalam travel insurance plans provide a fixed sum to the policyholder as emergency assistance
    14. The policyholders can obtain emergency assistance round the clock and can also use the toll-free number for assistance
    15. International assistance would also be available to the policyholders immediately with the help of international tie-ups
      The various travel insurance products offered by the Cholamandalam travel insurance plans are listed below.

The various travel insurance products offered by the Cholamandalam travel insurance plans are listed below.

  • Chola Domestic Travel Insurance Policy
  • Chola Overseas Travel Protection Plan
  • Chola Student Travel Protection Plan
  • Chola MS Corporate Travel Insurance Plans

Now, let us check out the products offered by the Cholamandalam insurance company for travel insurance.

  • Cholamandalam Domestic Travel Insurance Policy

    The Domestic Travel Insurance policy ensures coverage against any medical emergencies, delays in travel, checked-in lost or stolen luggage, death and permanent disability while travelling within the country.

Eligibility Criteria of Cholamandalam Domestic Travel Insurance Policy

Entry AgeThree months to 80 years
Pre-entrance medical check-upsNot required
  • Cholamandalam Overseas Travel Protection Plan

    The Overseas Travel Protection plan by Cholamandalam insurance ensures coverage against any medical emergencies while travelling overseas, loss of baggage, travel delays, evacuation to India, loss of essential documents like passport, etc.
    The Overseas Travel Protection Plan consists of three options i.e. Silver Plan, Gold Plan, and the Senior Citizen Plan.
    • The Silver Plan is a basic travel insurance plan which provides high coverage at a low premium
    • The Gold Plan helps those individuals who are looking for some extra protection during the time of travel
    • The Senior Citizen Plan is a travel insurance plan which caters to the needs of senior citizens while travelling and helps in providing them with peace of mind during foreign travel

Eligibility Criteria of Cholamandalam Overseas Travel Protection Plan

Entry AgeThree months to 80 years
Pre-entrance medical check-upsNot required for individuals up to 65 years of age
  • Cholamandalam Student Travel Protection Plan

    The Student Travel Protection Plan by Cholamandalam insurance provides cover against the expenses incurred in any medical treatment, loss of passport, interruption in the study, etc.
    The Cholamandalam Student Travel Protection Plan is available in 3 options i.e.
    • Silver Student Travel Protection Plan which is a very simple travel insurance plan for students at a low premium
    • Gold Student Travel Protection Plan offers comprehensive coverage for students along with add-ons like Bail Bond, Study Interruption, Sponsor Protection, etc.
    • Platinum Student Travel Protection Plan provides exclusive coverage for students such as treatment of any mental or nervous disorders due to alcoholism or drug dependency, medical expenses for sports injuries, cancer screening, cover against expenses incurred during pregnancy, etc.

Eligibility Criteria of Cholamandalam Student Travel Protection Plan

Entry Age5 years to 60 years
Pre-entrance medical check-upsNot required
  • Chola MS Corporate Travel Insurance Plan

    This travel insurance plan is meant for frequent flyers which include dental treatment cover, accidental death cover, emergency medical expense cover, cover for accidental death, loss of valuable documents like passport, compensation for baggage loss, cover against permanent disability and personal liability, financial emergency, and hospital daily cash cover, etc.

Eligibility Criteria of Chola MS Corporate Travel Insurance Plan

Entry AgeThree months to 80 years
Pre-entrance medical check-upsNot required
  1. Cholamandalam Motor Insurance plans

    The Cholamandalam Motor Insurance plans consist of the below-mentioned categories of insurance plans.
  • Cholamandalam Comprehensive Car Insurance plan
    The Cholamandalam Comprehensive Car Insurance plan is designed in such a way that it can cater to the requirements of all car owners. This comprehensive car insurance plan is perfect for those customers who opt for quick claim settlement without any hassles.The features and benefits obtained from the Cholamandalam Comprehensive car insurance plans can be listed below.

The features and benefits obtained from the Cholamandalam Comprehensive car insurance plans can be listed below.

  1. This car insurance plan covers the loss or damages which occur to the car due to manmade disastrous acts like riots, theft, burglary, strikes, terrorist activities, malicious activities, etc.
  2. This insurance plan also protects against any damages caused to the car due to natural calamities like storm, flood, earthquakes, hurricane, lightning, etc.
  3. Any damage which might have occurred to the car when it was in transit either by roads, railway, waterway, lift, elevator, etc. are covered under this plan
  4. The Cholamandalam Comprehensive Car Insurance plan provides third party liability coverage
  5. There are a total of 600 network garages across the country which can be used to avail cashless repairs for your car
  6. Discounts like No Claim Bonus (NCB) when a car is being insured for an entire year without a break, discount on premium if an anti-theft device is being installed in the car, etc. can be availed by the policyholders
  7. Additional features like Daily Allowance Cover and Personal Luggage Cover can be availed by the policyholders
  8. The Cholamandalam Comprehensive Car insurance plan can be purchased easily online by minimal documentation. It can be renewed easily without any hassles by visiting the company’s website. Customer assistance is available throughout the day i.e. 24×7 and claims are settled quite fast
  9. The policyholders can select the various add-ons according to their requirements and enhance the protection for their car

The different types of Cholamandalam Car Insurance plans can be mentioned below.

  • Third-party Car Insurance which provides coverage for damages caused to third party vehicle or property and any injuries caused to other persons during an accident in which the insured car was involved
  • Comprehensive Car Insurance covers the insured car against the theft of the car or any damage caused to the car due to natural or manmade calamities
  • Own Damage Car Insurance policy covers the insured car against theft, damages caused due to accidents or damages caused by natural or manmade calamities
  • Zero Depreciation Car Insurance plan helps in widening the basic coverage of car insurance by the settlement of the expenses incurred in the repair or replacement of the parts of the car without considering depreciation. It provides 100% cover for all the metal, rubber, and fiber parts of the car without deducting the depreciation value.
  • Cholamandalam Two-wheeler Insurance plans

    The Cholamandalam two-wheeler Insurance plans are of three major categories i.e.
  1. Liability Only Insurance Policy:
    1. This policy is otherwise known as an ‘Act Only Policy’ and it is mandatory for the two-wheelers in India
    2. This policy will provide coverage against any loss, damage or injury caused to a third party person or property in case of an accident which involves the insured two-wheeler
    3. Personal accident cover is also provided by this policy for the owner of the two-wheeler

  2. Comprehensive Insurance Policy:
    1. This insurance policy is also known as the ‘Package only policy’ and includes coverage for liabilities incurred due to the accident of the insured two-wheeler
    2. It will also provide coverage for the theft of the vehicle and is an optional policy

  3. Own Damage Policy
    1. The Own Damage Policy will provide cover against losses or damage caused to the two-wheeler due to natural calamities like fire, lightning, flood, explosion, earthquake, etc.
    2. It will also provide coverage against man made calamities like theft, burglary, malicious activities, etc.

Some of the major features of the Cholamandalam Two-wheeler Insurance plan can be mentioned below.

  1. The Cholamandalam two-wheeler insurance plan will provide unlimited liability for any personal injuries caused to the third party in case of an accident that involves the insured vehicle
  2. In case of damages caused to the property of the third party during an accident by the insured vehicle, the Cholamandalam two-wheeler insurance policy will provide coverage of up to INR 1 lakh
  3. In case of the death of the owner of the insured two-wheeler, the Cholamandalam two-wheeler vehicle insurance plan provides a cover of INR 15 lakhs to the family of the owner
  4. This two-wheeler insurance policy provides roadside assistance cover to the insured vehicle at the time of emergency. Moreover, various other add-ons can be included by the policyholder into the policy for adequate coverage
  5. Claim processing for the Cholamandalam two-wheeler insurance policy is quite fast and there is complete support from the workforce of the company. 
  • Cholamandalam Commercial Vehicle Insurance plans

    The Cholamandalam Commercial Vehicle Insurance plans cover the below-mentioned commercial vehicles.Commercial Vehicles which carry passengers such as vans, taxis, school buses, etc.
    • Commercial Vehicles which carry goods such as trucks, mini trucks, etc.
    • Tractors
    • Miscellaneous vehicles such as Cranes, Loader, Excavation, etc.

The major features and benefits associated with the Cholamandalam Commercial Vehicle Insurance plan are as follows.

  1. It provides double coverage benefit of third party cover and even covers against own damages
  2. Under the third party cover, personal liability and property liability is covered by the Cholamandalam Commercial Vehicle Insurance plan
  3. There are almost 400 network garages that can be used by the policyholders to avail cashless services during repairs
  4. There is a provision of accidental death benefits available for the driver-owner of the vehicle
  5. The IDV (Insured Decelerated Value) of the vehicle is projected as the actual sum insured of the vehicle
  6. The insurance plan provides a personal accident cover of up to INR 2, 00,000 for the owner, driver, and passengers of the vehicle while travelling in the vehicle, mounting or dismounting from the vehicle
  7. The Personal Accident Cover is applicable in case of the death or any kind of permanent disability during the tenure of six months of the accident
  8. Additional features like No Claim Bonus (NCB) and Own Damage Cover are available to the policyholders
  9. The Own Damage Cover (OD) protects against damages caused to the commercial vehicles due to both natural calamities like storms, floods, hurricanes, earthquakes, etc. and manmade calamities like riots, theft, burglary, malicious activities, terrorist activities, etc.
  10. The Cholamandalam Commercial Vehicle Insurance Plan can be purchased online at minimal documentation and can be renewed online without any hassles
  11. Add-ons like reimbursement of the cost of the duplicate key, reimbursement of charges towards road tax and registration fares in case of a total loss, waiver of reduction in depreciation in case of partial losses to the vehicle, etc. can be availed by the policyholder on payment of additional premium.
  1. Cholamandalam Personal Accident Insurance Plan

    Cholamandalam General Insurance includes a personal accident insurance plan known as Chola Accident Protection Policy. The major features of the Chola Accident Protection Policy are mentioned below-
    • This comprehensive personal accident plan provides compensation for injuries succumbed during an accident, reimbursements in case of permanent disability for certain modifications, etc.
    • If there is death or permanent disability and there is the loss of income, then the individual or family members are eligible for receiving weekly compensation
    • If the policyholder is a student, reimbursement of tuition fees can be claimed by the student in case of an accidental injury
  1. Chola Group Personal Accident Plan
    • The policy provides cover for death which occurs due to injury succumbed in the accident within one calendar year of the accident. The policyholder will receive the principal sum assured in this case
    • In case of permanent total disability of certain body parts of the policyholder, a compensation of a maximum of 100% of the sum assured will be provided to the policyholder
    • In case of permanent partial disability of certain body parts of the policyholder, a compensation of a maximum of 2% to 60% of the sum assured will be provided to the policyholder depending on the disability
    • Weekly compensation i.e. 1% of the Principal Sum assured or INR 5000 whichever is lower is provided to the policyholder in case of total disability for a particular period
    • Ambulance hiring charges would be covered up to INR 1000 for the policyholder in case of an accident
    • Medical reimbursement will be provided to the policyholder up to 40% of the claim amount or 10% of the Sum assured and actual medical expenses
    • The Cholamandalam Group Personal Accident Insurance plan also covers the transportation of mortal remains from the accident site to the hospital or residence. This cover is up to 3% of the Sum insured to a maximum amount of INR 6000
  1. Cholamandalam Fire Insurance Plan
    The various insurance plans which are included under the Cholamandalam fire insurance plans are:
    • Cholamandalam Industrial All Risk Policy which covers industrial area against losses caused by fire through a sum insured of INR 100 crores and above
    • Cholamandalam Loss of profits policy which covers the monetary loss which might occur due to a break in the production process or business activity
    • Cholamandalam Fire and special perils Insurance plan provide cover against business damages that might arise out of the fire and special perils
  1. Cholamandalam Property Crime Insurance Plan
    The Cholamandalam Property Crime Insurance Plan protects either an individual or a business against any damages caused due to certain crime.
  1. Cholamandalam Home Insurance Plans
    The Cholamandalam Home Insurance plan provides cover against any damage caused to your home by theft, burglary, explosion or fire, natural disasters, etc.
    By the Cholamandalam liability insurance plan, you can safeguard your business from the danger of becoming liable legally for making any payments to third parties involved in the business.
  1. Cholamandalam Liability Insurance Plan
    By the Cholamandalam liability insurance plan, you can safeguard your business from the danger of becoming liable legally for making any payments to third parties involved in the business.
  1. Cholamandalam Engineering Projects Insurance Plan
    The Cholamandalam Engineering Projects Insurance Plan is of the below-mentioned categories:
    • Cholamandalam Contractors All Risk Policy
    • Cholamandalam Erection All Risk Policy
  1. Cholamandalam Engineering Operations Insurance Plan
    Cholamandalam Engineering Operations Insurance plan helps in providing cover against situations like electronic equipment, breakdown of machinery, breakdown or mechanical errors in boilers, etc.
  1. Cholamandalam Marine Insurance Plan
    Cholamandalam Marine Insurance plan helps in protecting against any damage caused to your cargo which was being transferred by ships and boats.
    The Marine Insurance plans involve:
    • Cholamandalam Inland Cargo
    • Cholamandalam Import Cargo
    • Cholamandalam Export Cargo

How to buy Cholamandalam General Insurance policies?

Cholamandalam General Insurance policies can be purchased by two major methods.

  1. Offline Method

    To purchase a Cholamandalam insurance policy by offline method, you will have to visit the nearest branch office of the company. You can also consult insurance advisors before you visit the company office. At the company office, you can make suggestions about the insurance policies from insurance agents and sales personnel. You can obtain the necessary form for purchasing the policy, fill the form and submit it along with the required documents. The premium payment can also be done there and the executives will help you with the procedure.
  1. Online Method

    By the online method, you can very conveniently purchase your insurance policy by visiting the website of the company. This is a hassle-free method and saves your time as well.

However, if you wish to purchase any other health or motor insurance policy, you can surely do that from www.turtlemint.com

Turtlemint offers a very wide range of options associated with health insurance and motor insurance. By using Turtlemint, you can compare the various available insurance policies and select the one which suits best to your requirements and budget.

Turtlemint offers a very wide range of options associated with health insurance and motor insurance. By using Turtlemint, you can compare the various available insurance policies and select the one which suits best to your requirements and budget.

Let us have a look at the steps involved in the purchase of Health Insurance policies or Motor insurance policies.

  1. In the first step, you need to visit the website of Turtlemint i.e. https://www.turtlemint.com/
  2. Then, you have to choose between whether you would be purchasing a health insurance plan or motor insurance plans.
  3. If you are opting for the purchase of a health insurance policy, you will have to follow the below-mentioned steps
    • You will have to enter certain basic details that are necessary for the purchase of a health insurance policy
      • Age
      • Age of the members who would be covered in the policy
      • Gender
      • Area PIN code
      • The annual income of the family for determination of the sum insured
      • Any pre-existing diseases or not
    • After these details are provided, you will be presented with the available health insurance options
    • You can select the health insurance plan which suits your requirements
    • You can fill up an online form, submit the necessary documents online and make the premium payment online
    • This completes your procedure for the purchase of the health insurance plan online
  4. Now, if you are interested in purchasing a motor insurance policy i.e. a car insurance policy or a bike insurance policy, you will have to follow the below-mentioned steps
    • You can start by either providing the vehicle number or ignore sharing the vehicle number
    • There are certain details associated with the vehicle which you must provide for purchasing motor insurance:
      • Model
      • Year of manufacture
      • Expiry Date
      • Type of fuel used
      • Type of the previous policy
      • If any claims have been made in the previous year
      • NCB on the previous policy
      • Previous insurance provider
      • Your details for contact
    • After these details are provided, you will be presented with the available car or bike insurance options
    • You can select the car or bike insurance plan which suits your requirements
    • You can fill up an online form, submit the necessary documents online and make the premium payment online
    • This completes your procedure for the purchase of the motor insurance plan online

Renewal Process of Cholamandalam General Insurance Plans

Cholamandalam General Insurance plans can be renewed easily and conveniently by the use of online means. Let us check out the major steps involved in the online renewal process of the Cholamandalam General Insurance plans.

  1. You will have to visit the website of the company and click on the “Renew Online” or “Renew your Policy” option
  2. In the next step, you can enter the necessary details and register yourself with the company
  3. Then, you will be able to select your Cholamandalam policy
  4. You will have to select the premium payment mode i.e. either by credit card, debit card or net banking. With the payment of premium, your policy is renewed and the renewed policy document will be obtained in your registered email address.

However, if you have purchased the plan from Turtlemint, you can even renew your health insurance policy or motor insurance policy by Turtlemint.

You need to login with your existing details and login to your Turtlemint account. Then, you can select the insurance policy which you would like to renew i.e. health insurance, car insurance or bike insurance. You have to click on the “Renew” option and you would be able to view all details associated with your insurance policy. Now, if you wish to renew the policy without making any changes then you can pay the premium either by credit card, debit card or net banking and renew the insurance plan. 

Claim Process for Cholamandalam General Insurance Plans

Cholamandalam General Insurance has a very convenient and easy process for making claims. Let us have a look at the claim process for the Cholamandalam Health Insurance Plans and Cholamandalam Motor Insurance Plans.

  1. Cholamandalam Health Insurance Claims
    The Cholamandalam health insurance claims can be made by two methods i.e.
  • Cholamandalam Health Insurance Cashless Claim
    • When you are admitted into a network hospital, you would have to immediately intimate the Cholamandalam health insurance company about the admission
    • Your cashless claim request must be placed with the company within the specified time limit
    • In the next step, you will have to approach the Third-party Agent (TPA) desk of the hospital with Cholamandalam Health Card, Photo ID Card and your medical reports. The TPA desk would coordinate with the insurance company for authentication of the request
    • Once the request is approved and the required documents are submitted, the hospital bills are settled between the hospital and the Cholamandalam Insurance Company
    • In case there is a rejection of the request, you can clear the bills of the hospital and later on raise a reimbursement request.
  • Cholamandalam Health Insurance Reimbursement Claim
    • When you are admitted into a network hospital, you would have to immediately intimate the Cholamandalam health insurance company about the admission
    • Your cashless claim request must be placed with the company within the specified time limit
    • In the next step, you will have to approach the Third-party Agent (TPA) desk of the hospital with Cholamandalam Health Card, Photo ID Card and your medical reports. The TPA desk would coordinate with the insurance company for authentication of the request
    • Once the request is approved and the required documents are submitted, the hospital bills are settled between the hospital and the Cholamandalam Insurance Company
    • In case there is a rejection of the request, you can clear the bills of the hospital and later on raise a reimbursement request.

2. Cholamandalam Motor Insurance Claims
Let us check out the process involved in the car or bike insurance claims.

  • On the occurrence of the incident, you should call up the Customer Support of the company and register the incident with them
  • If you have a cashless facility, then you should take the damaged vehicle to the nearby network garage for repairs
  • The Insurance Company will send a Surveyor and you will have to submit all necessary documents to the Surveyor
  • Based on the report given by the Surveyor, the company will approve or reject the claims
  • In case you are availing of the reimbursement facility, you will get your damaged vehicle repaired and pay the bills from your pocket
  • Then, you can submit your bills with the company for reimbursement and the vehicle will be delivered once your bills are settled

You can also get your Car or Bike Insurance claims settled by using Turtlemint. You can contact the Claims department at Turtlemint by sending an email on claims@turtlemint.com or by calling on 1800 266 0101. The Claims Department at Turtlemint will help you in getting your claims settled easily and in a hassle-free manner.

Documents required for Claims in Cholamandalam General Insurance Company

The necessary documents which are needed to make claims in the Cholamandalam General Insurance Company can be listed below.

  1. Cholamandalam Health Insurance Claims
    • Duly filled the claim form and signed it
    • Doctor’s prescription advising about the admission
    • Discharge card which has been issued by the hospital
    • Medical investigation reports
    • Final hospital bill and the payment receipt
    • Bills of the medicines and supporting prescriptions
    • Invoice for implants if used in case of surgery
    • Any other bills
      • Medico-Legal Certificate (MLC) or FIR in case of road traffic accidents
      • Cancelled cheque of your bank account for making the claim payment by NEFT
  1. Cholamandalam Motor Insurance Claims
    • Duly signed claim form
    • Driving License Copy
    • Copy of RC Book
    • Copy of the Insurance Policy
    • In case of death or bodily injury, FIR is necessary
    • Repair Invoice or the Original Repair Estimate Slip
    • In the case of hospitalization, hospital bills are needed

Company Address and Contact Information – Cholamandalam General Insurance Company

Address: 3rd Floor, Chabildas Tower, 6A, Middleton St, Kankaria Estates, Park Street area, Kolkata, West Bengal- 700071

Toll-Free Number: 1800 208 5544

Paid Number: 033 4084 8600

FAQ’s

There are around 4500 network garages for the Cholamandalam Car Insurance which provides cashless repairs to the policyholders.

There are around 6500 network hospitals under the Cholamandalam Health Insurance plan for providing cashless hospitalization.

For Cholamandalam General Insurance policies, premium payment can be made by

  1. Credit Card
  2. Debit Card
  3. Internet Banking

If you are an existing customer, you can log in to the official website of the company; enter your login details and check your policy status. However, if you are a new customer you can register to create an account and then check your policy status. 

For cancellation of a health insurance policy, you will have to visit the nearest branch office of the Company. You need to carry your policy documents and fill in the Surrender form with yourself.