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Cholamandalam Health Insurance Plans

Cholamandalam Health Insurance Company

Chola MS Health Insurance is a branch of Chola MS General Insurance that provides excellent health insurance policies to secure you and your family’s health and well-being. Cholamandalam MS General Insurance Company Limited is a joint venture enterprise. The Indian counterpart is the Murugappa Group, a leading industrial house.

Their partner in this enterprise is the Japanese insurance giant Mitsui Sumitomo Insurance Company, a significant player in the property insurance market in Japan.

Cholamandalam MS General Insurance Co. Ltd. started its operations in India in 2001 and is rapidly expanding its business. It has over 105 branches and 9000 agents across India. The company won the award for the best insurance company for “In time Claims Settlement for the year 2011-12” under the Rashtriya Sawasthya Bima Yojana (RSBY) scheme of the Ministry of Labour and Employment, Government of India.

It was also awarded the “Innovation Leader Award 2012” by Fintelekt. In 2013, the company was honoured with the title of the finest insurance company across Asia for “Health Claims Insurer Team” at the Claims Asia Awards in Hong Kong.

Key Advantages and Features

Chola MS Health Insurance offers a wide variety of health insurance plans that include both individual insurance policies as well as family floater plans. Their policies provide extensive health and medical coverage that can be customized according to your individualand family requirements. Once your family’s healthcare has been taken care of, you cansit back, relax and enjoy your life with no worries about the future.

General Features of Chola MS Insurance

  • Double coverage is provided in case of accidents and critical illness by selected health plans.
  • Coverage is provided for domiciliary hospitalization.
  • Free medical check-ups are provided in case no claims are made.
  • Lifetime renewal of policy and coverage.
  • Cashless hospitalization is provided at more than 5000 hospitals across India.
  • Coverage is provided for more than 140 day-care procedures.
  • Pre- and post- hospitalization expenses are covered for a specific period of time.
  • 20 main critical illnesses are covered by selected health plans.
  • Room and ambulance charges are covered up to a certain specified amount.
  • Unlimited room rent (on selected health plans)
  • Tax benefits can be availed under section 80 (D)
  • Chola MS Health Insurance provides 24x7 claim assistance and hassle-free claims settlement.

Policies and Benefits

CholaHealthline - under this policy you can opt either for an Individual Policy or a Family Floater Plan.

  • Entry Age : 18 - 65 years with lifetime renewal.

Sum Assured (in Rupees)

  • Value Healthline - 2 ,3,5,7.5 or 10lakhs
  • Freedom Healthline- 3, 5, 7.5,10 or 15 lakhs
  • Enrich Healthline- 3, 5, 7.5, 10,15,20, or 25 lakhs
  • Privilege Healthline-5,7.5,10.15,20,25 lakhs

Premium(in Rupees)

  • Value Healthline - 2251 to 77039
  • Freedom Healthline - 4371 to 152168
  • Enrich Healthline - 6605 to 275123
  • Privilege Healthline - 13189 to 293005

Coverage

  • Inpatient hospitalization expenses.
  • Pre/Post-hospitalization expenses for up to 30 and 60 days or 60 and 90 days, according to the chosen plan.
  • Domiciliary hospitalization expenses for upto 7 days.
  • Organ donor hospitalization expenses.
  • AYUSH treatment expenses.
  • Ambulance expenses.
  • 141 day-care procedures.
  • Pre-existing diseases will be covered after a four-year period.
  • Maternity Expenses (under Privilege Plan)
  • New Born Baby Hospitalisation Expenses (under Privilege Plan)

Add-on Covers/Benefits

  • Enrich Healthline Plan-Cash allowance of up to Rs. 500 per day for a maximum period of 7 days upon the hospitalization of a child.
  • Convalescence Benefits of up to 10,000/- in case of hospitalization beyond 10 days.
  • Critical Illness or Accident Cover of two times the sum assured chosen.
  • Child Hospitalization Allowance per hospitalization
  • Outpatient Dental/Specs/Contact Lens/Hearing Aids
  • Extended Hospitalisation Allowance
  • Specialist opinion for Critical Illness

Option to select the Policy Term

Discount on long term policy purchase: 6% on 2 year policy & 12% on 3 year policy

Location based Discount:

A discount of 10% on the premium for Insured from Tier 2 locations

  • Tier 1 Locations: Mumbai, Chennai, Bengaluru, Kolkotta, New Delhi, Gurgaon, Hyderabad, Ahmedabad
  • Tier 2 Locations: Rest of India excluding Tier 1 Locations

CholaSwasthParivar

CholaSwasthParivar is a Family Floater Plan, which provides comprehensive coverage for your family’s health and medical expenses.

Entry Age : 18 - 65 years with lifetime renewal.

Sum Assured (in Rupees) 3, 4 or 5 lakhs depending on the plan opted for.

Premium (in Rupees)

  • Pearl-5,122 to 6,991
  • Royale-7,953 to 10,594

Coverage

  • Inpatient hospitalization expenses.
  • This policy provides health insurance cover for up to 2 children.
  • Room charges and ICU.
  • 141 day-care procedures.
  • Pre/Post hospitalization expenses for up to 30 and 60 days, respectively.
  • Day-care treatment only at network hospitals.
  • Costs incurred on medical professionals and consumables for treatment.
  • Pre-existing diseases will be covered after a four-year waiting period.
  • Cost of medicines during hospitalisation
  • Physiotherapy
  • Miscellaneous hospital services (such as lab, x-ray, etc)

Add-on Covers/Benefits

  • Personal Accident Cover for self, spouse and children.
  • Partial Permanent Disablement cover for self, spouse and children.

Chola Tax PlusHealthline

Entry Age

  • 18 - 65 years, 3 months for children, with lifetime renewal.
  • Medical Screening is required for applicants more than 55 years of age.

Sum Assured (in Rupees) 1 to 5 lakhs

Premium (in Rupees) Depending on age, the number of family members and plan, can vary from 2,500 to 12,100.

Coverage

  • 35 years for dependant female child and 25 years for dependant male child
  • Inpatient hospitalization charges.
  • Room and ICU charges.
  • Pre/Post-hospitalization charges for up to 60 and 90 days, respectively.
  • Ambulance costs.
  • Treatment costs for cataract, hernia, fistula/piles, sinusitis, and tonsillitis up to a certain amount specified in the policy.
  • 50% co-payment in case of knee/ joint replacement procedures.
  • Visual and hearing aids, prosthetics.
  • Dental treatment.
  • Outpatient Expenses.
  • Pre-existing diseases will be covered after a four-year waiting period.
Section 1 - Hospitalization Cover
(In-patient hospitalization expenses covered up to Rs. 5 lakh on individual or family floater basis)
Room Rent 1% of Sum Insured (SI) Per day
Room Rent - ICU 2% of SI Per day
Pre Hospitalization Up to 60 days, Maximum 5% of Claim
Ambulance Charges Rs.3,000 per hospitalization
Sub-limits Cataract - 7.5% of the Section 1 SI up to Rs.20,000 per eye Hernia or Hydrocele - 10% of Section 1 SI up to Rs.30,000 Fistula in Anus, Anal Fissure, Piles - 10% of Section 1 SI u to Rs.30,000 Sinusitis - 10% of Section 1 SI up to Rs.30,000 Tonsillitis or Adenoids - 15% of SI up to Rs.40,000 Knee and Joint replacement surgery - 50% co-pay applicable
No co-pay in case of accidents.
Section 2 - Non-Hospitalization Cover
Out-patient medical expenses covered up to plan limits
Treatment of injury / illness incurred without hospitalization
Pre & post natal
All pre-existing diseases
All dental treatments
Treatments under Allopathic and any system of Indian medicine (other than naturopathy)
Spectacles, contact lenses, hearing aids, prosthetic appliances, etc., supported by prescriptions of a doctor / medical practitioner
All deductibles under a valid claim made under Section 1 of this policy which may
arise due to imposition of sub-limits

Additional covers:

  • Hospital Cash Daily Allowance
  • 24 hours hospitalization Rs.1500 is allocated every day
  • Maximum period 30 days
  • In case of admission in ICU, The benefit payable would be double, i.e., Rs.3000/day, ax for 15 days

Exclusions

  • Suicide or attempted suicide related illness and injuries.
  • Injury caused due to the influence of alcohol or drugs.
  • Injury caused due to some anti-social or criminal activity.
  • Injury caused due to participation in some dangerous sports.
  • Curative operations and surgeries performed on your body.
  • AIDs or any other sexually transmitted diseases.
  • Pregnancy, childbirth, miscarriage, abortion and any such complications.
  • Injury caused due to wartime conditions, nuclear energy or radiations

Add-on Covers/Benefits

  • A 5% boost in the chosen sum assured for every claim-free year, max.50%.
  • Claim free bonus is not applicable on Section 2

Chola MS Family Healthline Insurance

Chola MS Family Healthline Insurance - is a Family Floater Plan that provides complete health insurance for your entire family and relieves you from constant worry about meeting your family’s current and future medical expenses.

Entry Age

  • 18 - 65 years, 3 months for children, with lifetime renewal.
  • Medical Screening is required for applicants more than 55 years of age.

Premium (in Rupees)

  • Standard Plan- 5982 to 101030
  • Superior Plan- 10763 to 176486
  • Advance Plan 19146 to 283942
  • A discount of 10% on premium will be available if you agree for 10% copayment on all claims under this policy

Sum Assured (in Rupees)

  • Standard Plan- 2 to 5 lakhs
  • Superior Plan- 4 ,6,8,10 lakhs
  • Advanced Plan-6 ,8,12,15 12 lakhs

Coverage:

  • Same as under CholaHealthline.
  • Daily cash allowance.
  • Health check-up costs including eye check-ups.
  • Maternity expenses after a 5-year waiting period.
  • Treatments costs for cataract, hernia, fistula/piles, sinusitis, and tonsillitis up to a certain amount specified in the policy.
  • Dental costs, after a 3-year waiting period.
  • Minor Accompaniment Daily Cash
  • Ayurvedic Therapy Treatments.
  • OPD Dental waiting period 3 years
  • External aids (Specs ,Contact Lens, Hearingaids) waiting period3 years
  • Reduction in Claim Free Bonus in the event of claim(s) during the policy period

Individual Healthline Insurance

Individual Healthline Insurance - offers coverage for hospitalization costs and also any related incidental expenses.

Entry Age

  • 18 - 65 years, 3 months for children, with lifetime renewal.
  • Medical Screening is required for applicants more than 55 years of age.

Sum Assured (in Rupees)

  • Standard Plan-3,4,5 lakhs
  • Superior Plan- 3.5 to 5.5 lakhs
  • Advanced Plan- 4.5, 5.5, 7.5 or 10 lakhs

Premium (in Rupees)

  • Standard Plan- 2680 to 32432
  • Superior Plan: 3210 to 33063
  • Advanced Plan 6014 to 57501

Coverage

  • Inpatient hospitalization expenses.
  • Room charges.
  • Pre/Post-hospitalization charges for up to 60 and 90 days, respectively.
  • Daily Cash for choosing shared accommodation.
  • Ambulance charges.
  • Provides cover for maternity-related expenses and for external aids such as spectacles, contacts lenses, and hearing aids.
  • General Health Check up & Eye Examination
  • Minor Accompaniment Daily Cash
  • Home Hospitalization
  • Ayurvedic Treatments
  • OPD Dental

Add-on Covers/Benefits

  • A no-claim bonus of 5% increase in sum assured for every year that is claim-free.
  • A 10% discount in case of 10% voluntary co-payment.
  • Chola MS Wellness Service @ Rs. 350 or 500 per person.

CholaTopupHealthline

under this policy, you can either opt for an Individual Policy or a Family Floater Plan.

Entry Age

  • 18 - 65 years, 3 months for children, with lifetime renewal.
  • Medical Screening is required for applicants more than 55 years of age.

Sum Assured (in Rupees)

Varies from 50,000 to 15 lakhs, depending on the plan chosen.

Premium (in Rupees)

  • 1 year policy- 2530 to 14543
  • 2 year policy- 4861 to 27884
  • Three year. policy- 6968 to 39714
  • The premium depends on the no. of insured family members, their respective age and the chosen plan.

Coverage and Benefits

  • Inpatient hospitalization expenses.
  • Room charges.
  • Pre/Post-hospitalization charges for up to 60 and 90 days, respectively.
  • Ambulance charges.
  • Costs incurred on medical professionals, equipment, and consumables for treatment.
  • Pre-existing diseases will be covered after a four-year waiting period.

Chola MS Critical Healthline Insurance

is a fixed benefit policy with flexible sum insured options for a wide range of critical illnesses listed in the policy.

Entry Age

  • 18 - 65 years, 5 years for children, with lifetime renewal.
  • Medical Screening is required for applicants more than 55 years of age.

Premium (in Rupees)

  • Standard Plan- For Men - 844 to 66906 For Women – 794 to 62090
  • Advanced Plan- For Men - 950 to 68593 For Women - 859 to 62686

Sum Assured (in Rupees) 3, 5 or 10 lakhs

Coverage and Benefits

  • Provides a lump sum payment for a wide range of critical illnesses.
  • The Standard Plan provides coverage for cancer, first heart attack, stroke, CABG, MS, renal failure, major bone marrow / organ transplant, aorta surgery, permanent paralysis, and primary pulmonary hypertension.
  • The Advanced Plan covers all the illnesses under the standard plan in addition to Parkinson’s disease, motor neuron disease and also covers ambulance costs of up to Rs.1000, once in a policy year.
  • Emergency Ambulance

Chola Hospital Cash Healthline

provides monetary assistance for the family’s financial needs, while the insured is hospitalized.

Entry Age

  • 18 - 65 years, 3 months for children, with lifetime renewal.
  • Medical Screening is required for applicants more than 55 years of age.

Sum Assured (in Rupees) Depends on the chosen plan.

Premium (in Rupees)

  • Plan A- 678 to 4924
  • Plan B- 1172 to 9578
  • Plan C- 1666 to 14234

Coverage

  • Covers expenses during hospitalization.
  • Daily Cash Benefit- a daily cash allowance will be paid for every 24 hrs of hospitalization.
  • ICU charges and convalescence benefits.
  • Pre-existing diseases will be covered after a four-year waiting period.
  • Convalescence Benefit (Lump sum payment on continuous hospitalization beyond 20 days payable once per policy period per person depends on plan.)
  • Family discount 5% on total premium for every additional insured up to 10%