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Chola AcciCare is a unique insurance policy that does more than just paying for your accidental emergencies. This policy offers you a cash benefit in case of critical illness as well as regular hospitalisation.

Features & Benefits


An accident policy that covers death, permanent partial disability, permanent total disability and additional benefit for accidents due to terrorism.

Hospital Cash
If you are hospitalised for any illness or injury, we will pay you per day allowance for the number of days in the hospital. In case of ICU hospitalisation, we will pay you double the benefit per day. In case of hospitalisation for more than 20 continuous days, we will pay a lump sum amount.

Critical Illness
If you are diagnosed with any one of the 10 critical illnesses mentioned below, we will pay you a lump sum amount. Once a claim is registered, this benefit ceases.

  • Cancer of specified severity
  • Stroke resulting in permanent symptoms
  • First heart attack of specified severity
  • Open chest CABG
  • Kidney failure requiring regular dialysis
  • Multiple sclerosis with persisting symptoms
  • Major organ/bone marrow transplant
  • Permanent paralysis of limbs
  • Surgery of aorta
  • Primary pulmonary hypertension

Entry Age
18 – 55 years with no medical checkup
Lifetime renewal facility

Plan Options

Personal Accident
Death/permanent total disability/permanent partial disability due to an accident INR. 8 lakh
Death/permanent total disability/permanent partial disability due to an accident due to terrorism INR 12 lakh
Hospital Daily Cash Hospitalization up to 20 days INR 1,000/- per day
NR. 2,000/- per day for ICU Hospitalisation
Convalescence (lump sum) benefit on continuous hospitalization of more than 20 days INR 10,000/-
Critical Illness Lump sum payout on confirmed diagnosis of one of the 10 critical illnesses INR 1 lakh

The company from time to time and subject to IRDA approval, will revise the premium rates/terms and conditions based on experience.
The premium rates, terms and conditions at the time of renewal shall apply.

Claim Procedure

Personal Accident
Completed claim form with proof of death/disability. We will pay you a lump sum amount as per the policy limits.

Hospital Cash
All you need to give us is the completed claim form with discharge summary and diagnosis reports. We will pay you as per the policy limits.

Critical Illness
All you need to give us is the completed claim form with diagnosis reports for the critical illness. We will pay you a lump sum amount after the survival period.

Insurance is the subject matter of solicitation. This policy is underwritten by Cholamandalam MS General Insurance Company Ltd. (Chola MS), whose registered office is at 2nd Floor, "Dare House", No.2, NSC Bose Road, Chennai – 600 001. This information is given by IndusInd Bank, India (Licence no:DCL 1749817), whose registered office is at 2401, Thimmayya Road, Pune – 410 301 and which is a corporate agent of Chola MS. IndusInd Bank does not accept any responsibility for Chola MS's actions or decisions. Conditions Apply. Please refer to the policy contract for details

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  • Daily balance Upto Rs. 1 Lakh 4 %
  • Daily balance above Rs. 1 Lakh & upto (& including) Rs. 10 Lakhs 5 %
  • Daily balance above Rs.10 Lakhs 6 %

  • 1 year to 1 year 2 days 7 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 6.75 %
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