Cholamandalam Personal Accident Plan 2024 Benefits, Features, Buy & Renew Details, Reviews

Cholamandalam Personal Accident Plan 2024 – Coping with a death, partial loss of sight, or physical disability is difficult. Although we are unable to foresee what will transpire in the future, purchasing personal accident plans allows us to effectively plan our future. Cholamandalam Personal Accident Protection Plans cover death, physical injuries, and burns to the body, ensuring financial security in such unfortunate circumstances. By providing a robust cover and protection, the plan’s coverage assists the insured in coping with the unexpected financial burden and rehabilitating.

Cholamandalam Personal Accident Plan 2024 is an insurance product that will be launched in the year 2024. The product is meant to provide financial support to those who are victims of cholamandalam (a personal accident that takes place in the Hindu pilgrimage site of Cholamandalam. The product will offer a range of benefits, including medical expenses, rehabilitation and disability, and loss of income.

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Cholamandalam Personal Accident Plan 2024

Do you know what to do if you get a personal accident? If not, now is the time to learn! Cholamandalam Personal Accident Plan 2024 offers comprehensive coverage for personal accidents, whether you’re injured in an accident with another driver or fall down the stairs. Click the link to find out more and get started today.

Murugappa Group and Cholamandalam MS General Insurance work together; a group of industrial businesses based in Chennai and the Japanese Mitsui Sumitomo Insurance Group. For its innovative products and prompt claim settlement process, the company has received awards. Cholamandalam is one of the insurance companies that has grown the fastest, opening over 100 branches in a short period of time. The worst nightmares that can occur at any time are accidents. Be ready because it always strikes us without warning. In the event of a tragic death or disability, a Chola MS personal accident policy provides financial security. It guarantees your family’s safety and security.

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Cholamandalam Personal Accident Plan

Cholamandalam Personal Accident Plan Details

Name Of ArticleCholamandalam Personal Accident Plan
Cholamandalam Personal Accident PlanClick Here
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About Chola Accident Protection

You never hear about an accident knocking on your door. It can occur at any time, anywhere, and can result in minor or severe injuries. A plan called Chola Accident Protection can pay for your medical bills and compensate you if an accident causes you to become disabled or kills you. The Chola MS Accident Protection Policy provides financial assistance in the event of a disability or death.

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The salient features of the Personal Accident Protection Plans are

If you’re like most people, you probably don’t think much about personal accident protection. After all, it’s not something that you need every day or even every year. But in the event of an unfortunate accident, accidents can happen – and surprisingly, even the most comprehensive personal accident protection plans may not be enough. In this post, we’ll outline the salient features of personal accident protection plans and explain why they’re important. Are you ready to learn more?

  • An ideal security plan covering all improper occasions, for example, Passing, injury or some other inabilities brought about by mishaps
  • Overall Extensive security inclusion plans for individual and relatives if there should be an occurrence of a lamentable occasion or an unexpected mishap.
  • Complete inward feeling of harmony with high total safeguarded going from Rs. 5 Lakhs to 1 Crore uder the plans.
  • Straightforward and bother free arrangement documentation. Online enlistment accessible for moment plan inclusion and straightforward agreements for every one of the plans in cholamandalam
  • Plans are accessible for people between age gathering of 18 to 69 years under different aggregate guaranteed plans .
  • The plans have remarkable advantage arrangement of Week by week remuneration for People or relatives in the event of loss of pay made by handicap or passing due a mishap.
  • A beauty time of 30 days for recharging of plans.
  • The plans have stretched out cover to mate and two ward kids.
  • The plans offer Remuneration on account of breaks of bones because of a mishap.
  • Repayments in case of long-lasting handicap because of a mishap for alterations of the home or vehicle.
  • A Free – Look time of 15 days from the date of receipt of this intend to survey the agreements of the arrangement and to return something similar if not satisfactory.
  • Inclusion for Family transportation costs is additionally accessible under the arrangement.
  • On the off chance that the arrangement holder or guarantor is an understudy, repayment of educational expense is given in case of a coincidental physical issue.
  • Everyday stipend for hospitalization on account of a mishap.
  • In the event of death of plan holder, all costs up to post-incineration or entombment is covered under the arrangement.

Plan Benefits Cholamandalam Personal Accident Plan

Are you looking for a comprehensive personal accident plan? If so, you’ll be interested in Plan Benefits Cholamandalam. This plan provides comprehensive cover for medical expenses, income replacement, lost wages, and more. Plus, it has a low premium rate that makes it affordable for everyone. Have a look at the plan details and see if it’s right for you. You won’t regret it!

  • The arrangement benefit incorporates Week by week Remuneration for loss of pay because of an incapacity brought about unintentionally.
  • A safeguarded in qualified for fixed remuneration for Broken Bones in case of breaks or unplanned bone harm under the arrangement.
  • The arrangement benefit incorporates any alteration of Homes/Vehicle in the event of long-lasting absolute handicap, the costs brought about are repaid for adjusting
  • private convenience or own vehicle.
  • Costs towards transportation of the relative to the area of the safeguarded in the event of coincidental passing/extremely durable absolute handicap under the arrangement
  • Remuneration towards the educational expenses on the off chance that the safeguarded under the arrangement is an understudy and can’t go to class/school because of a
  • coincidental physical issue.
  • The arrangement offers a day to day cash stipend for hospitalization because of a mishap.
  • Costs towards Bringing home of Mortal Remaining parts from the mishap site to medical clinic, home or incineration ground .Also the expense of incineration Function to
  • perform strict services up to the hour of or post-incineration is covered under the extent of plan.
  • The arrangement benefit incorporate fixed Rescue vehicle charges paid for Emergency vehicle recruiting charges following a mishap.
  • The essential Aggregate Guaranteed for Incidental Passing, Super durable absolute handicap and Long-lasting Incomplete Inability will be expanded by 5% on each
  • recharging up to greatest arrangement time of 3 years gave there is no case under the arrangement.

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Plan coverage Cholamandalam Personal Accident Plan

Are you looking for a comprehensive personal accident plan that covers all your bases? If so, you’ll want to consider Plan coverage Cholamandalam. This plan has been designed with the modern traveler in mind, providing comprehensive coverage for all kinds of accidents, no matter where they happen in the world. Plus, it comes with a host of additional benefits that are sure to make your trip more comfortable and convenient. Ready to take the next step? Click here to learn more!

  • Super durable Complete Inability inclusion for security against any coincidental injury, causing the guaranteed Long-lasting Absolute Incapacity for 12 sequential months. The pay for such cases will be paid relatively according to table underneath.
Benefits          Percentage of
Capital Sum Insured
Loss of sight of both eyes100%
Loss of two entire hands or two entire feet100%
Loss of one entire hand and one entire foot100%
Loss of sight of one eye and such loss of one entire foot, or hand100%
Complete loss of hearing of both ears & complete loss of speech100%
Complete loss of hearing of both ears or complete loss of speech100%
  • Permanent Partial Disability is covered for the cases where any accidental injury has resulted in Permanent Partial Disability for 12 consecutive months to the insured. The compensation shall be paid proportionally as per table below.
BenefitsPercentage of
Principal Sum
Loss of toes: all20%
Great: both phalanges05%
Great: one phalanx02%
Other than great, if more than one toe lost, each02%
Loss of hearing – both ears60%
Loss of hearing – one ear30%
Loss of speech60%
Loss of four fingers and thumb of one hand40%
Loss of four fingers35%
Loss of thumb: both phalanges
one phalanx
Loss of index finger10%
Loss of middle finger06%
Loss of ring finger05%
Loss of little fingerx04%
Loss of metacarpals03%
Sense of smell10%
Sense of taste05%
Sight of one eye50%
One hand
One foot
  • In the event that the mishap debilitates various actual capabilities, the level of disablement given in the Table of Advantages will be added together, however responsibility anyway will not surpass 100 percent of the Unintentional Passing Total Guaranteed.

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Exclusion under the Cholamandalam Personal Accident Plan

The Arrangement doesn’t give advantage to any passing, handicap, cost or misfortune caused in consequence of any injury inferable straightforwardly or by implication to the accompanying:

  • Purposefully self-incurred injury, self destruction or any endeavor thereat while normal or crazy
  • Injury or Sickness straightforwardly or in a roundabout way brought about by or contributed by ionizing radiation or pollution by radioactivity from any atomic fuel or from any atomic waste from consuming atomic fuel.
  • Injury or Illness straightforwardly or in a roundabout way brought about by or contributed by the radioactive, harmful, touchy or other risky properties of any hazardous atomic gear or any piece of that hardware;
  • War, intrusion, demonstration of unfamiliar foe, threats (regardless of whether war be proclaimed), nationwide conflict, resistance, unrest, rebellion, uprising, military or usurped power, seizure, catch, captures, restrictions and confinement of all rulers, sovereigns, and individuals of at all country condition or quality, psychological oppression
  • The Protected Individual’s support in maritime, military or aviation based armed forces activities whether as military activities or war games or genuine commitment with the foe with unfamiliar or homegrown;
  • Misfortune maintained or contracted in outcome of the Safeguarded being affected by liquor or medications except if regulated on the guidance of a doctor and as referenced in different plans.
  • Any deficiency of which a contributing reason was the Safeguarded’s genuine or endeavored commission of, or persistent cooperation in, an unlawful demonstration or any infringement or endeavored infringement of the law or protection from capture;
  • Any misfortune supported while participating in flying or expanding, while mounting into, getting off from or going in any inflatable or airplane other than as a traveler (passage paying in any case) in any properly authorized standard sort of airplane anyplace on the planet;

Claims Procedure

In any of the occasion as covered under the extent of plan benefits, a prompt notification of event or beginning of misfortune will be finished. Aside from this properly filled Guarantee Structure with composed proof of misfortune should be outfitted inside thirty (30) days after the date of such misfortune. Endless supply of the proposal of guarantee settlement by the Safeguarded, the case sum will be settled by the Organization in somewhere around 7 days from the date of acknowledgment of the proposal by the Protected. In the event of postpone in the installment, the Organization will be at risk to pay revenue at the rates specified by IRDA every once in a while.

Claims Documentation Cholamandalam Personal Accident Plan

Cholamandalam is a hill station in the state of Tamil Nadu in India. It is famous for its scenic beauty and for being the site of many religious pilgrimages. It is also a popular tourist destination, and claims to have the best view of the sunrise in India. If you’re planning a trip to Cholamandalam, be sure to have your claims documented. Here are some tips on how to make the process as smooth and stress-free as possible.

 Death Claim

  • Duly completed Claim form by the nominee
  • Copy of FIR / Police Report, wherever necessary
  • Copy of Post Mortem Report/Coroner’s report (If postmortem is conducted)
  • Copy or Panchanama / Inquest report
  • Death Certificate
  • Original Plan  Certificate for deletion of name of the Insured person from the list.

Permanent Total / Partial Disablement Claims:

  • Duly completed claim Form
  • Report of the attending Doctor confirming disability
  • Admit / Discharge card
  • Investigation reports such as X-rays, Lab test etc
  • FIR/ Police report, wherever necessary

Weekly Benefit Claim

  • Duly completed claim Form
  • Report of the attending Doctor confirming disability
  • Admit / Discharge card
  • Investigation reports such as X-rays, Lab test etc
  • Police report wherever necessary
  • Fitness certificate

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Residential Accommodation or Vehicle Modification Benefit

All documents for Permanent total disability along with bills and receipts for expenses incurred for modification of vehicle accommodation.

Broken Bones

  •  Documents as per the Weekly Benefit except confirmation of the doctor regarding disablement.
  •  Proof of identity and residence of the beneficiary for claims exceeding Rs 1 Lakh

All the documents should be sent to or such other address as may be notified to the Insured:

Cholamandalam MS General Insurance Company Limited

Chola MS HELP – Health Claims Department

No. 163, Hari Nivas Towers, 2nd Floor,

Thambu Chetty Street Parry’s Corner,

Chennai – 600001

Other Important Terms and Conditions Cholamandalam Personal Accident Plan

  • Cholamandalam MS General Insurance Agency Restricted maintains all authority to overhaul any of the terms, conditions and special cases of the different plans
  • remembering the superior payable for restoration as per the rules/rules outlined by the Protection Administrative and Improvement Authority (IRDA) and in the wake of acquiring earlier endorsement from the Power.
  • Any adjustment of plans will be informed somewhere around 90 days before the modification are to produce results.
  • Cholamandalam MS General Insurance Agency Restricted may likewise pull out the protection as offered hereunder in the wake of following the fair treatment as set
  • somewhere near the IRDA and subsequent to getting earlier endorsement of the IRDA
  • For removed plans, guaranteed will be proposed to cover under such overhauled/new terms, conditions, special cases and premium.

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