Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeHealth insuranceView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
- Source
- CholaMS Group Health Insurance
- Page / section
- Product title and current official product page
- Accessed
- 20 Aug 2026
- Confidence
- high
InsurerCholamandalam MS General Insurance Company LimitedView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
- Source
- CholaMS Group Health Insurance
- Page / section
- Product title and current official product page
- Accessed
- 20 Aug 2026
- Confidence
- high
Family and sum-insured optionsCholaMS Group Health Insurance offers individual and family-floater cover for up to seven family members, with sum-insured options of ₹3 lakh, ₹5 lakh, ₹7.5 lakh and ₹10 lakh and a one-year policy term.View source
The official feature and cover-type tables publish the family size, sum-insured options and tenure.
- Source
- CholaMS Group Health Insurance
- Page / section
- Features / Cover Type table
- Accessed
- 23 Aug 2026
- Confidence
- high
Covered family members and agesFamily-floater coverage includes self, spouse, three dependent children and dependent parents up to two; individual coverage includes self, spouse, three dependent children and dependent parents up to two, or self under the individual-plan row. Adults are eligible from 18 to 70 years and children from 3 months to 26 years. Pre-acceptance medical check-up is not required.View source
The official table publishes the member composition, age bands and medical-check-up requirement.
- Source
- CholaMS Group Health Insurance
- Page / section
- Features / Cover Type table
- Accessed
- 23 Aug 2026
- Confidence
- high
Hospitalisation benefitsBenefits include pre-hospitalisation for 30 days, post-hospitalisation for 60 days, 141 day-care procedures, ambulance charges up to ₹2,500 per hospitalisation, domiciliary hospitalisation up to 20% of sum insured, and maternity cover up to ₹20,000 per child for normal delivery or caesarean section.View source
The official benefits table publishes the durations, procedure count and monetary limits.
- Source
- CholaMS Group Health Insurance
- Page / section
- Benefits
- Accessed
- 23 Aug 2026
- Confidence
- high
Waiting periodsThe policy applies a 30-day waiting period for sickness or illness (nil for accidents), 12 months for specified illnesses, 24 months for pre-existing diseases or conditions and nine months for maternity expenses.View source
The official benefits table lists each waiting period and its exception.
- Source
- CholaMS Group Health Insurance
- Page / section
- Benefits — Waiting Periods
- Accessed
- 23 Aug 2026
- Confidence
- high
Sum insured / cover₹3,00,000, ₹5,00,000, ₹7,50,000 or ₹10,00,000; available as individual or family-floater cover.View source
The official table lists Rs.3/5/ 7.5/ 10 lacs for the family-floater plans.
- Source
- CholaMS Group Health Insurance
- Page / section
- Features — Cover Type, Sum Insured
- Accessed
- 29 Aug 2026
- Confidence
- high
Policy term1 year from the commencement date.View source
The official features table and state that the policy term is one year.
- Source
- CholaMS Group Health Insurance
- Page / section
- Features — Policy Tenure;
- Accessed
- 29 Aug 2026
- Confidence
- high
Entry ageAdults (self, spouse and parents) 18–70 years; children 3 months–26 years.View source
The official table publishes adults 18 to 70 and children 03 months to 26 years.
- Source
- CholaMS Group Health Insurance
- Page / section
- Features — Cover Type, Entry Age;
- Accessed
- 29 Aug 2026
- Confidence
- high
Waiting period30 days for sickness/
The official benefits table lists 30 days, 12 months, 24 months and 9 months for the respective conditions.
- Source
- CholaMS Group Health Insurance
- Page / section
- Benefits — Waiting Periods
- Accessed
- 29 Aug 2026
- Confidence
- high
Key coverageInpatient hospitalisation, 141 day-care procedures, 30-day pre-hospitalisation, 60-day post-hospitalisation, ambulance up to ₹2,500 per hospitalisation, domiciliary treatment up to 20% of sum insured, AYUSH inpatient treatment up to sum insured, maternity up to ₹20,000 per child, accompanying-person food ₹500 per hospital day, and health check-up up to ₹2,000 per family once every two continuous claim-free years. Cashless treatment is available at 10,000+ network hospitals.View source
Benefits and features tables on the official page publish each limit and the network-hospital availability.
- Source
- CholaMS Group Health Insurance
- Page / section
- Benefits and Features
- Accessed
- 29 Aug 2026
- Confidence
- high
Key exclusionsThe page highlights exclusions for alcoholism, drug/
The current page publishes five exclusion items and directs readers to the master policy wording for the complete list.
- Source
- CholaMS Group Health Insurance
- Page / section
- Exclusions
- Accessed
- 29 Aug 2026
- Confidence
- high
PremiumThe CholaMS Group Health Insurance page publishes sum-insured options of ₹3 lakh, ₹5 lakh, ₹7.5 lakh and ₹10 lakh and a one-year term, but does not publish a premium amount. The payable premium depends on the selected plan, members and insurer quote.View source
The page lists the family/individual sum-insured options and one-year policy term but gives no premium table or quote.
- Source
- CholaMS Group Health Insurance
- Page / section
- Features — plan options and policy tenure
- Accessed
- 29 Aug 2026
- Confidence
- high
Geographic limitsInpatient hospitalisation, 141 day-care procedures, 30-day pre-hospitalisation, 60-day post-hospitalisation, ambulance up to ₹2,500 per hospitalisation, domiciliary treatment up to 20% of sum insured, AYUSH inpatient treatment up to sum insured, maternity up to ₹20,000 per child, accompanying-person food ₹500 per hospital day, and health check-up up to ₹2,000 per family once every two continuous claim-free years. Cashless treatment is available at 10,000+ network hospitals.View source
The manually reviewed product record states: “Inpatient hospitalisation, 141 day-care procedures, 30-day pre-hospitalisation, 60-day post-hospitalisation, ambulance up to ₹2,500 per hospitalisation, domiciliary treatment up to 20% of sum insured, inpatient treatment up to sum insured, maternity up to ₹20,000 per child, accompanying-person food ₹500 per hospital day, and health check-up up to ₹2,000 per family once every two continuous claim-free years. Cashless treatment is available at 10,000+ network hospitals.”.
- Source
- CholaMS Group Health Insurance — official product page
- Page / section
- Published product metadata
- Accessed
- 15 Aug 2026
- Confidence
- high
Benefits and features
- Inpatient hospitalisation, 141 day-care procedures, 30-day pre- and 60-day post-hospitalisation, ambulance up to ₹2,500 per hospitalisation, domiciliary cover up to 20% of sum insured, inpatient treatment up to sum insured, maternity up to ₹20,000 per child, and health check-up up to ₹2,000 per family once every two continuous claim-free years.
Eligibility
- Family-floater coverage includes self, spouse, three dependent children and dependent parents up to two
- individual coverage includes self, spouse, three dependent children and dependent parents up to two, or self under the individual-plan row. Adults are eligible from 18 to 70 years and children from 3 months to 26 years. Pre-acceptance medical check-up is not required.
Passing a listed condition does not mean the bank will approve an application.
Related official documents
CholaMS Group Health Insuranceofficial-product-page · current · accessed 29 Aug 2026
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