Super Top Up Health Insurance Policy And 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 (Normal & ICU)
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 Periods
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.
Day Care Treatments
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
Enhanced Cover Extension - Boosts the sum insured beyond the deductible, ensuring extra financial protection for major medical expenses.
Critical Illness Rider - Provides a lump sum payout upon diagnosis of listed critical illnesses, offering financial support during treatment.
Personal Accident Cover - Covers accidental death and disability, providing additional security for unforeseen events and emergencies.
Global Treatment Benefit - Extends coverage for medical treatments abroad, ensuring access to top-tier healthcare facilities worldwide.
Hospital Cash Benefit - Offers a fixed daily cash allowance for hospital stays, helping cover additional non-medical expenses.
Maternity and Newborn Cover - Covers maternity expenses and newborn care, including delivery and postnatal treatments, easing financial burdens for growing families.
Add-ons
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About the Company
Chola MS General Insurance Company Limited is a joint venture between the Murugappa Group and Japan’s Mitsui Sumitomo Insurance Company. Guided by its T3 philosophy—Trust, Transparency, and Technology—Chola MS is committed to delivering reliable and innovative insurance solutions, reflecting its focus on customer-centricity and technological excellence.
Founded in 2001, Chola MS General Insurance Company Limited is headquartered in Chennai, Tamil Nadu. The company is led by V. Suryanarayanan, who serves as its CEO and Managing Director.
About the Company
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