The insurer shall not be liable for any claim arising within:
* 3 Star Split only VBD Insurance
^SAWM only VBD Insurance
Notification: Claim notification to be given to Chola MS immediately on occurrence of the event and not later than 7 days from the date of Diagnosis by telephone through toll free number (1800-208-5544) or in writing by email (email@example.com) / letter). The intimation should contain the following information:
Claim Submission Procedure: Completed and duly signed claim form with the following documents to be submitted within 15 days from the date of discharge to Chola MS Claims Office, whose address is given below
Definition and Specific Exclusions applicable to the listed Diseases
Specific Conditions applicable to the coverage:
General Exclusions applicable under the policy:
The policy does not cover any losses /claims caused due to the following:
Procedure for submission of a Health Claim for reimbursement
Claim Documents required:
Upon completion of the hospitalization subject to the conditions mentioned in the policy, the insured would submit the following claim documents to Chola MS**.
Health Claim for Reimbursement:
Note: Please enclose a cancelled cheque / copy or proof of account of the same to enable payment of claim through NEFT. NEFT cannot be facilitated without the cancelled cheque / copy or proof of account.
* Health claim form may be downloaded from Web or collected from the local RO / HO. (Attached Below for reference)
Claim Assessment and payment
The claims team would assess the claim for completeness of the documentation and admissibility. A written communication would be sent to the insured regarding requirement of documents if any or if the claim is deemed to be in admissible as per policy terms and conditions. In case the insurer wants the insured to undergo any additional diagnosis or medical examination purely for the purpose of claim verification, the cost of such diagnosis / examination including the cost of such tests will be borne by the insurer.
On the claim being determined to be admissible subject to the terms and conditions of the policy, the company will transfer the admissible amount after adjusting the Balance installment amount for the complete policy period outstanding as on the date of approval in compliance with 64 VB regulations, electronically to the insured's account as provided to us or a cheque would be sent to the Insured address as mentioned on the policy document.