Insurance

PNB–Chola MS General Insurance Portfolio

Fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel and household-goods insurance. Distributed by PNB as a corporate-agent partner portfolio.

Policy typeGeneral insurance portfolio ProviderChola MS General Insurance Company Limited Entry ageAdults 18 to 79 years; children 91 days to 26 years.

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✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

India

Key facts

What the official sources publish

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Policy typeGeneral insurance portfolioView source

PNB identifies this partner under its insurance architecture.

Source: PNB Insurance Business and partner portfolios
Page / section: PNB Insurance Business — General Insurance
Accessed: 30 Aug 2026
Confidence: high

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ProviderChola MS General Insurance Company LimitedView source

PNB names the insurance partner.

Source: PNB Insurance Business and partner portfolios
Page / section: PNB Insurance Business — General Insurance
Accessed: 30 Aug 2026
Confidence: high

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Entry ageAdults 18 to 79 years; children 91 days to 26 years.View source

Entry-age rows transcribed from the official workbook.

Source: PNB customised health insurance comparative chart
Page / section: Sheet 1, rows 7-8, Chola MS (Arogya and Arogya Plus)
Accessed: 11 Sept 2026
Confidence: high

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Sum insured / cover₹3 lakh, ₹5 lakh, ₹7.5 lakh or ₹10 lakh.View source

Sum-insured row transcribed from the official workbook.

Source: PNB customised health insurance comparative chart
Page / section: Sheet 1, row 3, Chola MS (Arogya and Arogya Plus)
Accessed: 11 Sept 2026
Confidence: high

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CoverageFire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel and household-goods insurance.View source

PNB publishes the product families available through this partner.

Source: PNB Insurance Business and partner portfolios
Page / section: PNB Insurance Business — General Insurance
Accessed: 30 Aug 2026
Confidence: high

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InsurerChola MS General Insurance Company LimitedView source

The contract is between the customer and the named insurer, not PNB.

Source: PNB Insurance Business and partner portfolios
Page / section: PNB Insurance Business — General Insurance
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Policy termLifelong renewal.View source

Exit-age row states lifelong renewal.

Source: PNB customised health insurance comparative chart
Page / section: Sheet 1, row 9, Chola MS (Arogya and Arogya Plus)
Accessed: 11 Sept 2026
Confidence: high

Open official source ↗

PremiumIncluding GST. Age bands 18–35 / 36–45 / 46–60 / 61–70 / above 70 for up to 5 members: ₹3 lakh ₹10,433/₹12,783/₹14,912/₹16,224/₹21,902; ₹4 lakh ₹11,726/₹14,061/₹15,467/₹16,910/₹24,652; ₹5 lakh ₹14,495/₹16,106/₹21,831/₹25,615/₹28,953; ₹7.5 lakh ₹18,119/₹20,132/₹25,726/₹31,988/₹36,879; ₹10 lakh ₹21,835/₹23,924/₹32,154/₹41,521/₹44,709. Up to 7 members: ₹3 lakh ₹23,009/₹26,844/₹29,827/₹30,646/₹42,904; ₹5 lakh ₹32,982/₹32,982/₹42,107/₹38,795/₹54,311; ₹7.5 lakh ₹35,482/₹35,482/₹45,297/₹41,735/₹58,430; ₹10 lakh ₹44,351/₹44,351/₹56,622/₹52,169/₹73,028.View source

Premium row transcribed from the official workbook, including and each printed age band.

Source: PNB customised health insurance comparative chart
Page / section: Sheet 1, row 4, Chola MS (Arogya and Arogya Plus)
Accessed: 11 Sept 2026
Confidence: high

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Waiting periodPre-existing diseases: 24 months. Non-PED sickness: 30 days.View source

Pre-existing-disease and non-PED waiting-period rows transcribed from the workbook.

Source: PNB customised health insurance comparative chart
Page / section: Sheet 1, rows 20-21, Chola MS (Arogya and Arogya Plus)
Accessed: 11 Sept 2026
Confidence: high

Open official source ↗

Geographic limitsIndia; availability and policy terms depend on the insurer and selected product.View source

PNB describes nationwide distribution and partner products.

Source: PNB Insurance Business and partner portfolios
Page / section: PNB Insurance Business — General Insurance
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Published coverage details5 or 7 members; parents optional; no medical examination; pre-hospitalisation 60 days and post-hospitalisation 90 days; maternity normal or Caesarean up to ₹20,000 per delivery/termination after 9 months; room 1% of sum insured up to ₹4 lakh and single standard AC room for ₹5 lakh and above; ICU as actuals; no co-pay; no sub-limits; ambulance up to ₹2,500 per hospitalisation; 141 day-care procedures; domiciliary up to 20% of sum insured; inpatient AYUSH up to sum insured; health check-up up to ₹2,000 per family once in every two continuous claim-free years; ₹500 per day accompanying-person food expense; organ-transplant hospitalisation covered; optional parent coverage.View source

Coverage rows 5 through 28 transcribed from the official workbook.

Source: PNB customised health insurance comparative chart
Page / section: Sheet 1, rows 5-28, Chola MS (Arogya and Arogya Plus)
Accessed: 11 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel and household-goods insurance.
PNB distributes the partner's products under its corporate-agency arrangement.

Eligibility

Eligibility, premium, sum insured, waiting periods and exclusions vary by selected insurer policy and are not published on PNB's portfolio page.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Application, and insurer-specific proposal documents

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Investment growth projection

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Money invested todayYour one-time starting amount.₹one lakh rupees₹0₹1,00,00,000Money added every monthThe amount you plan to invest regularly.₹five thousand rupees₹0₹5,00,000Return you want to testA yearly growth assumption, not a promised return.%0%30%How long you investThe number of years the money stays invested. years1 years40 years

Possible value at the end₹13,03,464thirteen lakh three thousand four hundred sixty-four rupees

Money you put in₹7,00,000seven lakh rupees

Possible growth₹6,03,464six lakh three thousand four hundred sixty-four rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

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TablePartner portfolioChoose column

PNB MetLife Life Insurance Portfolio · InsurerPNB MetLife India Insurance Company Limited

This value is copied from PNB insurance partner portfolios. Check the table notes before relying on it.

Source: PNB Insurance Business and partner portfolios · Life Insurance, General Insurance and Stand Alone Health Insurance Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 7 rows · 4 columnsPNB insurance partner portfoliosPartner insurers and product families published on PNB's Insurance Business page.View tableHide table

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PNB insurance partner portfolios
Partner portfolio	Insurer	Published product families	Policy-level data
PNB MetLife Life Insurance Portfolio	PNB MetLife India Insurance Company Limited	Child education, term insurance, long-term savings and retirement plans.	Premium, sum insured, entry age, waiting period and exclusions not published on the portfolio page
Life Insurance Portfolio through PNB	Life Insurance Corporation of India	Endowment assurance, money-back, whole-life, term, Aadhaar-based, pension, health and plans.	Premium, sum insured, entry age, waiting period and exclusions not published on the portfolio page
PNB–Oriental General Insurance Portfolio	Oriental Insurance Co. Ltd.	Fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel and household-goods insurance.	Premium, sum insured, entry age, waiting period and exclusions not published on the portfolio page
PNB–Bajaj General Insurance Portfolio	Bajaj General Insurance Limited	Fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel and household-goods insurance.	Premium, sum insured, entry age, waiting period and exclusions not published on the portfolio page
PNB–Chola MS General Insurance Portfolio	Chola MS General Insurance Company Limited	Fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel and household-goods insurance.	Premium, sum insured, entry age, waiting period and exclusions not published on the portfolio page
PNB–Care Health Insurance Portfolio	Care Health Insurance Limited	Stand-alone health insurance products and customised health insurance products for PNB customers.	Premium, sum insured, entry age, waiting period and exclusions not published on the portfolio page
PNB–Star Health Insurance Portfolio	Star Health and Allied Insurance Company Limited	Stand-alone health insurance products and customised health insurance products for PNB customers.	Premium, sum insured, entry age, waiting period and exclusions not published on the portfolio page

PNB Insurance Business and partner portfolios · Life Insurance, General Insurance and Stand Alone Health Insurance · accessed 30 Aug 2026Open official source ↗

Table 2 · 26 rows · 6 columnsPNB customised health insurance policies — comparative chart (31 March 2026)Complete feature matrix from PNB's live workbook. Premiums include GST. The workbook states it is for renewals only for Star, Care, Chola MS and Bajaj.View tableHide table

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PNB customised health insurance policies — comparative chart (31 March 2026)
Feature	Oriental Insurance (BANK SAATHI)	Bajaj General (Flexi Health Protect)	Care Health (Group Care Platinum)	Star Health (SGHI Gold)	Chola MS (Arogya / Arogya Plus)
Sum insured range	Plan A: ₹2, ₹3, ₹4, ₹5 lakh; Plan B: ₹6, ₹8, ₹10, ₹15, ₹20, ₹25 lakh	₹1, ₹2, ₹3, ₹4, ₹5, ₹7.5, ₹10 lakh	₹3, ₹5, ₹7, ₹10 lakh	₹3, ₹5, ₹7.5, ₹10 lakh	₹3, ₹5, ₹7.5, ₹10 lakh
Premium (including )	Age 18–40/41–50/51–60/>60. ₹2 lakh: 8,321/11,903/13,718/20,453; ₹3 lakh: 10,195/15,516/17,735/27,030; ₹4 lakh: 11,424/18,267/20,727/32,059; ₹5 lakh: 12,544/20,114/22,780/37,681; ₹6 lakh: 14,275/22,739/24,857/41,219; ₹8 lakh: 15,709/24,708/27,140/45,374; ₹10 lakh: 17,891/26,771/29,269/48,596; ₹15 lakh: 23,430/35,599/40,308/67,678; ₹20 lakh: 27,346/40,467/47,408/78,954; ₹25 lakh: 31,267/45,449/54,283/90,211	Age 18–40/41–50/51–60/61–70/>70. ₹1 lakh: 6,521/7,172/9,127/11,881/15,505; ₹2 lakh: 11,306/12,435/15,826/20,354/22,553; ₹3 lakh: 12,594/16,724/17,079/22,112/24,409; ₹4 lakh: 14,136/18,312/19,647/24,413/29,050; ₹5 lakh: 18,766/22,906/25,081/29,060/33,361; ₹7.5 lakh: 22,669/24,624/28,662/37,720/40,256; ₹10 lakh: 26,189/28,758/35,753/40,177/45,426	Age 18–45/46–55/56–59/60+. ₹3 lakh: 12,781/17,962/18,115/18,115; ₹5 lakh: 19,146/25,396/25,396/25,396; ₹7 lakh: 22,729/35,400/35,866/35,866; ₹10 lakh: 26,003/38,421/43,060/43,060	Age 18–45/46–59/60–79. ₹3 lakh: 12,230/17,841/21,335; ₹5 lakh: 18,411/26,815/29,470; ₹7.5 lakh: 22,359/35,100/37,319; ₹10 lakh: 23,357/38,192/42,489	Age 18–35/36–45/46–60/61–70/>70. Up to 5 members: ₹3 lakh 10,433/12,783/14,912/16,224/21,902; ₹4 lakh 11,726/14,061/15,467/16,910/24,652; ₹5 lakh 14,495/16,106/21,831/25,615/28,953; ₹7.5 lakh 18,119/20,132/25,726/31,988/36,879; ₹10 lakh 21,835/23,924/32,154/41,521/44,709. Up to 7 members: ₹3 lakh 23,009/26,844/29,827/30,646/42,904; ₹5 lakh 32,982/32,982/42,107/38,795/54,311; ₹7.5 lakh 35,482/35,482/45,297/41,735/58,430; ₹10 lakh 44,351/44,351/56,622/52,169/73,028
Members covered	5	5	4	4	5 and 7
Parents covered	No	No	No	No	Yes (optional)
Entry age (adult)	18–70 years	18–79 years	18–79 years	18–79 years	18–79 years
Entry age (children)	3 months–26 years	3 months–26 years	3 months–26 years	5 months–30 years	91 days–26 years
Exit age	Lifelong renewal	Lifelong renewal	Lifelong renewal	Lifelong renewal	Lifelong renewal
Claim settlement	Outsourced through	In-house	In-house	In-house	In-house
Medical examination	No	No	No	No	No
Pre-hospitalisation	30 days	30 days	30 days	30 days	60 days
Post-hospitalisation	60 days	60 days	60 days	60 days	90 days
Maternity cover	Yes, up to 2.5% of sum insured up to ₹10 lakh and above	Only for ₹5 lakh and above: ₹25,000 after 2 continuous renewals	No	No	Normal/Caesarean up to ₹20,000 per delivery or termination; 9-month wait
Room charges	1% of sum insured	1% of sum insured, no upper cap	1% of sum insured, no upper cap	1% of sum insured, no upper cap	1% up to ₹4 lakh; single standard AC room for ₹5 lakh and above
charges	2% of sum insured	2% of sum insured, no upper cap	2% of sum insured, no upper cap	2% of sum insured, no upper cap	As actuals
Co-pay	No co-pay	20% for senior citizens	20% for senior citizens	20% for senior citizens	No co-pay
Sub-limits	Yes	No	Yes	Yes	No
Ambulance charges	Up to ₹10,000 depending on sum insured	Up to ₹2,500 per claim	₹2,000 per hospitalisation	₹2,000 per hospitalisation	Up to ₹2,500 per hospitalisation
Pre-existing diseases	48 months	36 months	36 months	36 months	24 months
Waiting period for non-PED	30 days for sickness	30 days for sickness	30 days for sickness	30 days for sickness and first-year specific diseases/illness	30 days
Day-care coverage	116 treatments	399 treatments	541 treatments	All day-care coverage	Up to sum insured — 141 procedures
Domiciliary hospitalisation	10% of sum insured, max ₹25,000	10% of sum insured, max ₹25,000	10% of sum insured subject to terms	Available	Up to 20% of sum insured
treatment	Yes	Yes	Minimum additional charges	₹10,000 up to ₹4 lakh; ₹15,000 for ₹5 lakh and above	Inpatient hospitalisation up to sum insured
Health check-up	No	For ₹5 lakh and above: tele-consultation unlimited, ₹20,000 investigations/doctor consultation and 2 preventive vouchers	Free for 2 adults every year, discount connect and second opinion	Up to ₹1,500 per policy period	Up to ₹2,000 per family once in every 2 continuous claim-free years
Accompanying-person food expense	No	No	No	No	₹500 per day for admitted claim
Organ-transplant hospitalisation	Yes	No	Yes	Yes	Yes
Additional coverage	Not stated in workbook	New-born expenses up to ₹5,000 under maternity sub-limits; hospital cash ₹500/day up to 7 days	No-claim bonus 10% per claim-free year up to 50%; recharge of sum insured; modern treatments	10% bonus of expiring basic sum insured from second year and subsequent years, max 100%; free tele-consultation	Optional parent coverage

Premium amounts are annual values including as printed in the workbook and are indexed by the age bands shown in the premium row.
The workbook title states renewals only for Star, Care, Chola MS and Bajaj. Fresh health policies are available in the retail category and customers must check the insurer's current retail wording.
PNB acts as a corporate insurance agent; the insurer underwrites the contract. The workbook does not provide a general exclusions schedule, so exclusions remain not published rather than inferred.

Comparative Chart of customised Health Insurance Policies for PNB Customers · Workbook sheet 1, rows 1-29 · accessed 11 Sept 2026Open official source ↗

PNB–Chola MS General Insurance Portfolio

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Investment growth projection

Find the exact published value

Complete rates, limits and schedules

Related products

PNB–Bajaj General Insurance Portfolio

PNB–Care Health Insurance Portfolio

LIC Life Insurance Portfolio through PNB

PNB MetLife Life Insurance Portfolio