COCOCure Health Insurance vs Cholamandalam Health Insurance

Are you postponing buying health insurance because you do not have the time or the energy to sift through the numerous health insurance policies online? Well, sometimes you do not have to work hard, but work smart to find the right insurance policy for you. You can cut down through the work of hunting for a suitable health policy and refer to this simple and concise comparative guide of top insurance providers COCOCure Health Insurance and Cholamandalam Health Insurance. You can also find other comparison guides based on the insurer of your choice here. 

COCOCure Health Insurance vs Cholamandalam Health Insurance – Overview 

ParameterCOCOCure Health InsuranceCholamandalam Health Insurance
No. of health insurance policies810+
E-servicesPolicy salePolicy renewalClaim settlementOnline consultationBranch locator 24×7 customer helpPolicy salePolicy renewalClaim settlementOnline consultationBranch locator24x7 call assistance
Branches17140
Claim settlement ratio97%50.01%
Cashless claim settlement time 24-48 hoursUnspecified
Hospital network5,000+8000+

*Source: Insurance Regulatory and Development Authority of India’s (IRDAI) Annual Report – years 2019-20.

Health Insurance Policies: COCOCure Health Insurance vs Cholamandalam Health Insurance

COCOCure Health Insurance and Cholamandalam Health Insurance operate across the remotest corners of the country and have tie-ups with several hospital networks. They offer various health insurance policies that cater to individuals, families, senior citizens, and corporate groups. 

Personal Accident Policy:

COCOCure’s Personal Accident Policy called COCOProtect gives: 

  • Sums insured (SI) up to Rs. 5,00,00,000
  • 100% of the SI on the accidental death of the insured
  • 200% of the SI on the accidental death of the insured caused while using public transport
  • 150% of the SI on permanent total disablement 
  • 100% of the SI on an injury caused due to engaging in adventure sports 
  • Up to 100% of the SI for fractures and broken bones
  • Up to 100% of the SI for burns
  • Up to 75% of SI on permanent partial disablement 
  • Up to Rs. 25,000 per week on temporary total disablement
  • Coverage for: 
  • Child tuition benefit
  • Orphan benefit 
  • Mobility equipment 
  • Physiotherapy expenses
  • In-patient hospitalization expenses 
  • Trauma counseling sessions
  • Lifestyle support 
  • Funeral and transport expenses 

Cholamandalam’s Personal Accident Policy called Chola Accident Protection gives: 

  • SI up to Rs. 1,00,00,000
  • 100% of the SI on the accidental death of the insured 
  • 100% of the SI for and permanent total disablement 
  • Up to 60% of the SI for permanent partial disablement
  • Up to Rs. 5,000 per week for temporary total disablement 
  • Up to Rs. 25,000 for the education costs of the insured’s dependent children 
  • Coverage for:
  • Broken bones
  • Fractures 
  • Loss of employment 
  • Child tuition fees 
  • Family transportation
  • Daily hospital cash
  • Ambulance charges
  • Modification/reparation charges of the insured’s vehicle
  • Up to Rs. 5,000 for funeral costs 

Family Floater Policy:

COCOCure’s Family Floater Policy called Navi Health/Cococure gives: 

  • SI up to Rs. 1,00,00,000
  • Coverage for:
  • Pre and post-hospitalization
  • In-patient hospitalization
  • AYUSH treatments that are:
  1. Ayurveda
  2. Unani
  3. Siddha
  4. Homeopathy
  • Home hospitalization
  • Daycare procedures
  • Organ donor expenses 
  • Advanced/modern treatments
  • Maternity and newborn baby needs 
  • 6 vector-borne/seasonal diseases
  • Mental illnesses 
  • HIV/AIDS treatment 
  • Bariatric surgery 
  • Counselling sessions 
  • Road ambulance charges

Cholamandalam offers 2 family floater policies: 

  • Chola Healthline 
  • Chola Flexi Health 

They offer: 

  • Sums insured (SI) up to Rs. 2,50,00,000
  • Coverage for: 
  • Pre and post-hospitalization 
  • In-patient hospitalization
  • Home hospitalization 
  • 141 daycare procedures 
  • Injuries caused due to road traffic accidents
  • Organ donor expenses 
  • AYUSH treatments 
  • Out-patient departmental treatment 
  • Maternity and newborn baby needs 
  • Ambulance charges
  • Health check-up
  • A second medical opinion

COVID-19 Policy: 

COCOCure offers:

  • The Corona Kavach 
  • The Corona Rakshak

The Corona Kavach gives: 

  • SI up to Rs. 5,00,000
  • Coverage for:
  • Pre and post-hospitalization 
  • In-patient hospitalization 
  • Domiciliary hospitalization
  • AYUSH treatments
  • Comorbidities
  • Road ambulance charges 

The Corona Rakshak gives: 

  • SI up to Rs. 2,50,000
  • 100% lump-sum payout of the SI on the diagnosis of COVID-19 and continuous hospitalization of 72 hours 

Cholamandalam offers the Chola MS COVID-19 Cover that gives: 

  • SI up to Rs. 50,000
  • 100% of the SI upon the diagnosis of COVID-19
  • 50% of SI for the insured’s loss of job due to the diagnosis of COVID-19
  • Daily cash benefits up to Rs. 1,000
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