Get Quotes from Top Insurers with Lowest Premium
Enter Details > Get Quotes > Buy Your privacy is protected.
Unbiased information on plans from varied insurance companies
Easy comparisons to choose the best insurance plan
No hidden costs, pay the same premium as offered by the insurer
Pre and post sales expert assistance for smooth online buying experience
Reliable, Accurate and Quick policy servicing
Our representative will get back to you soon.
You can also directly contact us at

Chola Swasth Parivar Insurance Policy

What is the Plan all About?

Chola Swasth Parivar Insurance provides a comprehensive health cover for families on floater sum insured basis. This health plan also provides personal accident cover for families on an individual sum insured basis.

2 plan variants can be opted under this plan:

  • Pearl
  • Royale


Key Features

  • Affordable health cover for families
  • Two plans options with flexible benefits
  • Lifetime renewability
  • In-house claims administration team
  • Enjoy tax benefits

Policy Benefits

  • In-patient hospitalization expenses are covered as mentioned in the Policy.
  • Pre & Post hospitalization expenses are covered up to a maximum of 30 & 60 days.
  • Listed day care procedures/surgeries which need the insured to be hospitalized for less than 24 hours are covered. This benefit is applicable only in case of network hospital.
  • Accidental Death and Disablement is also covered for self, spouse, & child (maximum 2 children). This benefit is payable under Royale Plan.

Value Added Benefits

  • Sum Insured can be enhanced at the time of policy renewal.
  • No pre-policy medical check-up is required to 55 years of age.
  • 50% Cost of pre-policy medical check-up is reimbursed.
  • Avail tax benefits u/s 80D as per IT Act, 1961 for premium paid for this plan.

Sub Limits

  • Room rent is payable up to 1% of the sum insured.
  • ICU charges are capped up to 1.5% of the sum insured.
  • Compulsory co-payment of 15% is applicable on each & every eligible claim. Another co-pay of 10% is applicable for treatment in a non-network hospital.
  • Permanent Total Disablement is covered up to 50/100% of SI, depending on the disability.
  • Permanent Partial Disablement is covered up to 2% to 60% of SI, depending on the disability.

Waiting Period Clause

  • Initial Waiting Period: A waiting period of 30 days from the inception date for all hospitalization claims except in case of accidents.
  • Specific Waiting Period: 24 months Waiting Period will be applicable for specific illnesses under Pearl Plan and 12 months waiting period under Royale Plan for illnesses specified under the plan.
  • Pre existing Disease Waiting Period: Any pre-existing ailment/injury that was diagnosed /acquired within 48 months from the issuance of the first policy.

Who can Buy the Plan?

Factor Minimum Maximum
Age (as on last birthday) Adult: 18 Years, Children: 90 Days Adult: 65 Years, Children: 26 Years
Sum Assured 3 Lacs 5 Lacs
Cover Type Individual/Family Floater -
Policy Tenure 1 Year 1 Year
Grace Period 30 Days -
Free Look Period 15 Days -
Riders - -


  • War, invasion, act of foreign enemy
  • Vaccination/Inoculation
  • Dental treatment
  • Personal comfort and convenience items
  • Cost of contact lenses, eyeglasses, or hearing aids
  • Outpatient treatment
  • Domiciliary treatment