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