अपने मोटर बीमा से आपकी सुरक्षा सुनिश्चित होती है स्‍मार्ट बनें, चोला एमएस बीमा लें

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CholaMS Motor Insurance : विशेषताएं

कवर का क्षेत्र - क्या कवर किया गया है?

मोटर बीमा में अप्रत्याशित जोखिम शामिल हैं जिनके परिणामस्वरूप निम्नलिखित हो सकता है :

  • देनदारियों का निर्माण (जो कि थर्ड पार्टी कवर के रूप में है)
  • चोट लगना / किसी वाहन के बाहर या अंदर व्यक्तियों की मृत्यु. यह मालिक, यात्री, ड्राइवर, पैदल यात्री आदि हो सकते हैं.
  • दूसरों की संपत्ति का नुकसान- जिसे थर्ड पार्टी प्रॉपर्टी डैमेज भी कहा जाता है.
  • वाहन को हुई आंशिक क्षति. यह आकस्मिक बाहरी साधनों, दंगा, हड़ताल, दुर्भावनापूर्ण कार्य, आग, बाढ़, चक्रवात आदि के कारण हो सकता है.
  • पार्टस की चोरी या वाहन की चोरी.
  • वाहन की क्षति / हानि.

मालिक-चालक के लिए अनिवार्य व्यक्तिगत दुर्घटना (सीपीए) कवर
  • सीपीए कवर में वाहन के अंदर / बाहर या वाहन चलाते समय बीमित वाहन के पंजीकृत स्वामी की दुर्घटना विकलांगता / मृत्यु के लिए रु. 15 लाख तक का मुआवजा दिया जाता है.
  • .
  • पंजीकृत मालिक के पास प्राप्त वैध ड्राइविंग लाइसेंस होना चाहिए.

स्वीकृति के लिए मुख्य आवश्यकताएं :
  • प्रस्ताव फॉर्म
  • मूल्यांकन रिपोर्ट (जहां लागू हो)
  • नवीकरण नोटिस की प्रति (बीमा नवीनीकरण के मामले में)
  • बीमा निरीक्षण रिपोर्ट में विराम. यदि बीमा में कोई विराम है या कोई पिछला बीमा नहीं है.
  • आरसी बुक प्रति / चालान की प्रति (जहां लागू हो)

दावें की प्रक्रिया
  • चोला एमएस के ग्राहक सेवा के टोल फ्री नंबर 1800 208 5544 पर सूचित करें और अपना दावा दर्ज करें.
  • कृपया ग्राहक सेवा के कर्मचारी (एग्जीक्यूटिव) को पॉलिसी नंबर, ड्राइवर का विवरण, घटना का विवरण, दुर्घटना का स्थान, नुकसान का विवरण आदि उपलब्ध करवाएं.
  • स्वयं को सुरक्षित रखें और उचित कार्रवाई कर वाहन को होने वाले नुकसान को रोकने की कोशिश करें.
  • दुपहिया वाहन के मामले में, स्पॉट सर्वे की कोई आवश्यकता नहीं है. अन्य वाहनों के लिए इसकी आवश्युकता है.
  • स्पॉट सर्वे, जहां लागू होगा, वहां 6 घंटे के अंदर किया जाएगा.
  • थर्ड पार्टी को कोई हानि नहीं है तो पुलिस को सूचित करने की कोई आवश्यकता नहीं है.
  • गैरेज से नुकसान के अनुमानित खर्च प्राप्त होने के पश्चात, चोला एमएस को नुकसान के आकलनकर्ता को अंतिम सर्वेक्षण के लिए सूचित करें.
  • अनुरोध के अनुसार विवरण / दस्तावेज उपलब्ध करवाएं.
  • मरम्मत करने के पश्चात आवश्यक होने पर दुबारा निरीक्षण किया जाता है. हमारे आकलनकर्ता इस पर ग्राहक का मार्गदर्शन करेंगे.
  • यदि कैशलेस सुविधा का लाभ उठाया जाता है, तो चोला एमएस को संतुष्टि प्रमाण पत्र उपलब्ध किया जाना चाहिए ताकि गैरेज के साथ दावे का निपटान किया जा सके.

दावों के निपटान के लिए आवश्यक मुख्य दस्तावेज
  • भरा हुआ दावा फॉर्म
  • आरसी बुक
  • पॉलिसी की प्रति
  • मूल बिल और कैश मेमो
  • दुर्घटना के समय वाहन चलाने वाले व्यक्ति का ड्राइविंग लाइसेंस
  • फिटनेस, परमिट और लोड चालान (जहां आवश्यक हो)
  • एफआईआर और अंतिम जांच रिपोर्ट (जहां आवश्यक हो)
  • चोरी के मामले में - लापता प्रमाण पत्र और मूल कुंजी (ओरिजनल की)
  • दावा टीम द्वारा अपेक्षित अन्य दस्तावेज

कवर क्या नहीं है – अपवर्जन के कुछ बिन्दु :

मोटर बीमा के अपवर्जन के कुछ बिन्दु :
  • दुर्घटना के समय गाड़ी चलाने वाला व्यक्ति शराब या ड्रग्स के नशे में हो.
  • पारिणामिक क्षति जैसे बीमाकृत दुर्घटना के बाद वाणिज्यिक वाहन का उपयोग करने में असमर्थता के कारण लाभ/हानि.
  • मूल्यह्रास, टूट-फूट आदि, जब तक कि विशेष रूप से कवर नहीं किया गया हो.
  • मैकेनिकल और इलेक्ट्रिकल ब्रेकडाउन जैसे स्टीयरिंग जैमिंग दावे, सस्पेन्शन अलाइन्मेन्ट आदि.
  • निजी वाहन का उपयोग व्यावसायिक उद्देश्यों (किराया या रिवॉर्ड) में किए जाने संबंधी दुर्घटनाएं. इसमें माल की ढुलाई के लिए निजी वाहन या किराए के लिए यात्री शामिल हो सकते हैं.
  • बीमा में अनिवार्य कटौती.
  • गति परीक्षण या संगठित रेसिंग के लिए वाहन का उपयोग करते समय नुकसान.

CholaMS Motor Insurance : Policy Details

National Super Top Up Mediclaim Policy is a high threshold health insurance product, covering the members of a family under a single sum insured on floater basis or each member on individual sum insured basis. The policy provides the customer an option to choose a high sum insured at reasonable cost. This policy can be taken with/without a base policy. This policy provides unique features which address all health related concerns of our valued customers. The expenses incurred should be reasonable, customary and medically necessary.

Highlights of National Super Top Up Policy
  • Sum Insured (SI) and Threshold
This Policy is available with following combinations of Threshold and sum insured.
Threshold Sum Insured (Above Threshold)
2L 3, 5L
3L 3, 5, 7L
5L 5, 7, 10L
8L 10, 15L
10L 15, 20L

For Policy issued on individual basis, both Threshold and sum insured shall apply on individual basis on each insured person.
For Policy issued on floater basis, both Threshold and sum insured shall apply on floater basis to all the insured persons.

  • Entry Age of proposer as 18 to 65 years
  • Maximum entry age of any family member - 65 years.
  • Who can be covered Spouse, Dependent legitimate or legally adopted children, Parents/Parents-in law, new born 3 months or individual of 18 years.
  • Lines of treatment covered Allopathy, Ayurveda and Homeopathy
  • In-patient Treatment including Room Rent/ICU charges, Medical practitioners, surgeon, anaesthetist, consultants, specialists fees and other charges are covered.
  • Ambulance Charges on actuals but will be paid once for any one illness for each insured person.
  • Organ Donors medical expenses, Pre & Post Hospitalisation expenses covered up to Sum insured.
  • Pre and Post Hospitalisation up to 30 days and 60 days respectively for the same for same disease/illness/injury for which Hospitalisation occurred.
  • 12 Modern treatments like Robotic surgery, oral chemotherapies, immunotherapies and etc., are now covered in the policy.
  • Treatment for morbid obesity is are now covered after specified waiting periods (refer policy for complete details).
  • Correction of eyesight, i.e., refractive errors above -7.5 D are now covered after specified waiting periods.
  • Treatment related to participation as a non-professional in hazardous or adventure sports subject sub limits.
  • Mental illness, HIV/AIDS, Genetic disorders are now covered.
  • Cashless Facility available at network Hospitals Only through TPA.
  • Pre Negotiated Package rates for specific surgeries/procedure in network hospitals.
  • Life Long Renewability.
  • Portability (migration) allowed from/to similar products only as per IRDAI guidelines.

Pre Policy Check Up

For Whom - Proposers aged 50 years and above (including dependents) and availing the policy for the first time.
No pre policy health check-up shall be required for existing policyholders of the Company, covered under any retail indemnity health insurance policy for a continuous period 3 years or more as on date of opting for this policy.


The Pre-Policy check-up reports required are

  • Physical examination (report to be signed by the Doctor with minimum MD (Medicine qualification)
  • Blood sugar (fasting/ post prandial)
  • Lipid profile
  • Serum creatinine
  • Urine routine and microscopic examination
  • ECG
  • Any other investigation required by the Company

Note: The date of medical reports should not exceed 30 days prior to the date of proposal. 50% of the expenses incurred for pre policy check-up shall be reimbursed, if the proposal is accepted. Terms and conditions apply.


Exclusions
  • Only claims arising out of accidents are payable for the first 30 days of inception of the Policy
  • All pre-existing diseases included after first 12 twelve months (12) of Policy and thereafter as follows:
Months from inception Limit of claim
13-24 months 50% of the admissible claim
25-36 months 75% of the admissible claim
After 36 months 100% of the admissible claim
  • 90 days, 1One, 2 Two and 3Three Years waiting period for specific diseases
  • Change-of-Gender Treatments, Cosmetic or Plastic Surgery, Excluded Providers
  • Vitamins, Tonics Drug/alcohol abuse, Self-Inflicted Injury
  • Non-prescription Drug, Home visit charges
  • Dental treatment (unless arising out of accident and requiring hospitalisation) and Out Patient Department treatment (OPD treatment)

Claims procedure

How to report a claim?
Cashless Facility is available only for policies serviced by a Third Party Administrator (TPA)

  • Check if the hospital falls under the networked hospitals (Preferred provider network/other network Hospitals), as cashless is available only for empanelled network hospitals of the Company/TPA.
  • For planned hospitalisation, intimation is to be sent to the TPA/Company in advance (72 hours prior) with details of nName and address of the hospital and condition requiring hospitalisation.
  • In case of an emergency hospitalisation, intimation is to be sent to the TPA/Company within 24 hours of admission.
  • On admission, a Pre-authorisation Request for cashless will be sent to the TPA by the hospital duly signed by the insured and Hospital Authorities giving the details of admission, illness, proposed line of treatment and the estimated expenses. Pre and post hospitalisation expenses can be claimed separately after treatment.
  • For the first claim under the Policy (i.e., the claim in which cumulative medical expenses exceeds the threshold) cashless facility shall be available provided all evidences and documents are produced prior to cashless authorisation, to substantiate that the Cumulative Medical Expenses (CME) exceeds the Threshold. For all subsequent claims under the Policy cashless facility shall be available as usual.
  • In case of hospitalisation where the cumulative medical expenses are likely to exceed the threshold, notification of claim shall be sent to the TPA mentioned in the schedule/ Company.
  • In case of hospitalisation where initially the cumulative medical expenses are not foreseen to exceed the threshold but subsequently exceeds, notification of claim shall be sent to the TPA mentioned in the schedule/ Company, immediately.
  • All documents in original are to be submitted within 15 days to TPA, after completion of Post Hospitalization treatment.
  • The insured shall preserve and submit all original documents and/ or certified copies of documents related to all hospitalization(s) during the policy period to enable the Company to calculate the cumulative medical expenses and threshold, for determining admissibility and payment of claims.

For Reimbursement Claims
  • Written intimation/mail/fax about hospitalisation is to be sent to TPA /Company within 72 hours of hospitalization in the case of emergency hospitalization and 72 hours prior in case of planned admission.
  • Before leaving the hospital, Discharge Summary, investigation report and other relevant documents (Claim form Part A & Part B) may be obtained from the hospital authorities. All the documents in original are to be submitted to TPA / Office within 15 days from date of discharge.
  • Pre and post hospitalization expenses can be claimed separately after treatment.
  • All documents (as mentioned in the prospectus) in original, to be submitted within 15 days after completion of Post Hospitalisation treatment.

CholaMS Motor 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.


अक्सर पूछे जाने वाले प्रश्न

  • What is CholaMS Motor Insurance?

    The CholaMS motor insurance provides protection against financial loss resulting from damage to your vehicle, liability towards third parties for injury, death, and property damage due to accidents involving your vehicle. It is mandatory under the Motor Vehicles Act for all vehicles to have at least 'Third Party Liability' coverage. Chola MS motor insurance offers a range of motor insurance products for private cars, two-wheelers, commercial vehicles, trailers, ambulances, tractors, and other special types of vehicles. Therefore,it is important to safeguard yourself and your vehicle with CholaMS motor insurance.

  • What are the key benefits of Cholamandalam Motor Insurance?

    The Chola car insurance offers numerous benefits

    • Comprehensive policy covering both private and commercial vehicles, including miscellaneous classes (own damage and third-party liability)
    • Unique add-on covers available for additional premium with unlimited claims
    • Insuring uninsured vehicles based on online submission of vehicle photos
    • Roadside assistance services offered nationwide at a nominal premium
    • Customizable coverage options to suit individual needs
    • Strong presence in Tier 2/3/4 cities for wider market reach
    • Live video streaming process for vehicle surveys
    • Convenient policy renewal through mobile app
    • Dedicated staff to handle policy renewals
    • Multiple payment options available, including cheque, ACH, NEFT, and debit/credit card with payment gateway access.
  • What is the claim process for CholaMS Motor Insurance?
    • Claim intimation for the Chola motor insurance must be given to the insurer as per policy conditions.
    • It can be done through regional or branch offices, agents, intermediaries, or CRM via phone or email.
    • Various details are recorded, including insured's name, address, contact details, policy number, date and cause of loss, location, description of loss, estimate of loss, and hospital details if applicable.
    • Upon receiving the information, policy validity and coverage details are verified.
    • If the claim is admissible, it is registered.
    • A surveyor or in-house loss assessor conducts the survey within specified timeframes, either physically or through digital means.
    • The assessment basis is explained to the insured or repairers, reflecting the company's transparent approach.

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हम अपनी वेबसाइट पर आपके अनुभव को बढ़ाने के लिए कुकीज़ (और इसी प्रकार के उपकरण) का उपयोग करते हैं। हमारी कुकी नीति, गोपनीयता नीति और नियम एवं शर्तों के बारे में अधिक जानने के लिए, कृपया यहां क्लिक करें। इस वेबसाइट को ब्राउज़ करना जारी रखते हुए, आप कुकीज़ के उपयोग हेतु सहमति देते हैं और गोपनीयता नीति एवं नियम और शर्तों से सहमत होते हैं।