Your affordable choice, When it comes to a Group Health Insurance Plan

  • Benefits
  • Features
  • Disclaimer

CholaMS Group Health Insurance : Benefits

Inpatient Hospitalisation Expenses Covered
Room Charges SI- Rs.3 Lakhs - Upto 1% of Sum Insured per day SI- Rs.5/7.5/10 Lakhs - Standard Single AC Room ICU-Actuals
Pre-hospitalization Expenses 30 days
Post- hospitalization Expenses 60 days
Day Care Procedures 141 Procedures Covered
Ambulance Charges upto Rs.2500/- per hospitalisation
Domiciliary Hospitalisation Cover Upto 20% of Sum Insured
AYUSH Treatment Inpatient Hospitalisation upto Sum Insured. Naturopathy is excluded from Scope of Cover
Accompanying Person Food Expenses Rs.500/- per day of hospital stay for an admissible claim  
Maternity Cover Upto Rs.20,000/- per child for Normal Delivery & Caesarean Section. Pre & Post hospitalisation expenses are not covered  
Renewal Benefit  
Health Check up Benefit Upto Rs.2,000/- per family, once in every two continuous claim free years  
Waiting Periods  
30 days Applicable for Sickness/Illness. Nil for Accidents
12 months Applicable for Specific listed illness
24 months Applicable for Pre-existing Diseases/Condition
9 Months Maternity Expenses covered after 9 months  

CholaMS Group Health Insurance : Features

  • Individual and Family Floater Sum Insured Options
  • Comprehensive cover for a family of 7 including parents
  • Extended entry age till 70 years
  • No Sublimits for named illness or daycare procedures
  • Covers pre-existing illness just after two years
  • Cashless facility at over 10000+ network hospitals
  • No Third Party Administrator for health claims. All claims handled in house.

Cover Type Family Floater Plans Individual Plan
Who can be covered Self, Spouse and 3 dependent Children Self, Spouse, 3 dependent Children and dependent Parents upto 2 Self
Sum Insured (SI) Rs.3/5/7.5/10 lacs
Policy Tenure 1 Year
Entry Age Self + Spouse + Parents – 18 Yrs to 70 Yrs Children – 03 months to 26 Yrs
Pre acceptance medical check up Not required

CholaMS Group Health 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.

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