Top Up/ Super Top Up

An insurance plan with low premium but high coverage

Family Cover: Covers entire family including parents-in-law and siblings
Affordable Premium: Wide deductible options to make the premiums more affordable
No Health Check-Up: No pre-policy health check-up before 55 years of age

Disclaimer:
Cholamandalam MS General Insurance Company Limited

(A Joint Venture between Murugappa Group & Mitsui Sumitomo Insurance Company Ltd., Japan) Regd. Office: Dare House, 2, II Floor, N.S.C Bose Road, Chennai - 600 001.

India. T: +91-44-4044 9100 | F: +91-44-4044 5550 | SMS ‘CHOLA STP’ to 56677* | E: customercare@cholams.murugappa.com

Trade Logo displayed above belongs to CHOLAMANDALAM FINANCIAL HOLDINGS LIMITED (formerly TI Financial Holdings Limited) and Mitsui Sumitomo Insurance Company Limited and used by Chola MS under License.

Chola Super Topup Insurance

*SMS charges as applicable

For more details on risk factors, terms and conditions, please read sales brochure carefully before concluding a sale. Terms and Conditions apply.

Prohibition of rebates 41. (1) No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take or renew or continue an insurance in respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as may be allowed in accordance with the published prospectuses or tables of the insurer: (2) Any person making default in complying with the provisions of this section shall be liable for a penalty which may extend to ten lakh rupees. CIN: U66030TN2001PLC047977 | IRDA Regn. No.123 | UIN: CHOHLIP21309V022021 | UAN: CMS/BANCA/AUSF/HEALTH/STP/WEBSITECONTENT/ENGLISH/DIGITAL/2780/SEPT2021

AU Small Finance Bank Limited ("AU Small Finance Bank") with registered office at 19-A, Dhuleshwar Garden, Ajmer Road,Jaipur- 302001, Rajasthan (CIN: L36911RJ1996PLC011381) is a corporate agent (Composite, IRDAI Reg No.: CA0515 valid till 30/08/2026) of Cholamandalam MS General Insurance Company Limited.

The purchase by AU Small Finance Bank’s customer of any insurance products offered by Cholamandalam MS General Insurance Company Limited is purely on voluntary basis and the policy is not a linked product of any other facility offered by AU Small Finance Bank. Tel: 1800 1200 1200 / 1800 26 66677;Website:www.au.bank.in

The insurance products offered here are underwritten by Cholamandalam MS General Insurance Company Limited. Please seek the advice of your insurance advisor if you require any further information or clarification. The advertisement contains only an indication of cover offered.

BEWARE OF SPURIOUS /FRAUD PHONE CALLS!

IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint

Things to know

What is covered?

· In patient hospitalisation expenses

· Emergency ambulance expenses

· Day-care procedures

· Domiciliary hospitalisation

· Pre-hospitalisation expenses 60 days (applicable only for Supreme variant)

· Post-hospitalisation expenses 90 days (applicable only for Supreme variant)

· AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homeopathy) coverage expenses

What is not covered?

· Initial Waiting Period: 30 days for all illnesses (not applicable on renewal and for accidents)

· Waiting period of 12 months for treatment of listed diseases

· Pre-Existing Disease (PED): Benefits not available for pre-existing condition(s) until 36 and 48 consecutive months of continuous coverage for Supreme and Premiere respectively

· Any act of intentional self-injury or attempted suicide

· War, hostilities whether war declared or not

· Vaccination or inoculation and immunisations (except in case of post-bite treatment)

For detailed list of exclusions, please refer to the policy wordings on our website

Claim Process (Cashless and Reimbursement)

Reach us on our Toll-Free number (1800-208-5544) to register your claim. Don't worry, we will guide you through the rest.

Why Chola MS?

· 24x7 phone & email support

· Large network of cashless hospitals

· Unlimited claims, until the sum insured is exhausted

· Quick & hassle-free claims

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Evaluate the coverage amount based on medical costs, family size, and lifestyle risks.
Check if the policy covers hospitalization, pre- and post-hospitalization expenses.
Understand waiting periods for pre-existing diseases and specific treatments.
Review the network hospitals to ensure cashless treatment availability near you.
Consider sub-limits, room rent caps, and co-payment clauses that can impact payouts.
Compare family floater vs individual plans based on your needs.
Look for additional benefits like no-claim bonus and annual coverage enhancement.

National presence

Bank with us through a network of 3,000+ touchpoints .
Get a bit more

Enjoy quality services at competitive rates.
Visit branches without the wait

Our ample touchpoints ensure all our customers are conveniently served.
Superfast app

Manage and track all your transactions on the AU 0101 App.
Sustained growth

Expanding by every quarter, with a balance sheet of over ₹1 lakh crore.