Chola MS Critical Healthline Health Insurance Plan

Eligibility age

Minimum age- 18 years Maximum age- 65 years 5 years in case of children

Basis

Individual

Policy term

1, 3 and 5 years

Renewability

There is a lifetime indemnity limit if the policy is renewed continuously

Sum Insured

Rs. 3, 5 or 10 lakhs

Premium

1. Men - Rs 840 to Rs 66,615
2. Women - Rs 790 to Rs 60,509

1. Men - Rs 946 to Rs 67,244
2. Women - Rs 854 to Rs 61,101

Cover offered

1. Cancer
2. Stroke
3. First heart attack
4. Open chest CABG
5. Renal failure
6. Multiple sclerosis
7. Major organ/bone marrow transplant
8. Permanent paralysis of the limbs
9. Primary pulmonary hypertension
10. Surgery to the aorta

1. Cancer
2. Stroke
3. First heart attack
4. Open chest CABG
5. Renal failure
6. Multiple sclerosis
7. Major organ/bone marrow transplant
8. Permanent paralysis of the limbs
9. Primary pulmonary hypertension
10. Surgery to the aorta
11. Parkinson's disease
12. Motor neuron disease with permanent symptoms

Benefits

1. First time purchase up to 65 years
2. No Medical checkup up to 55 years
3. Lifetime Policy Renewal
4. Flexible Sum insured
5. Proof of expenses / hospitalization bills not required for claims
6. Income Tax exemption up to RS.20,000
7. Lump sum benefit available on the first diagnosis of any of the critical illnesses covered in the plan.
8. Differential rates for men and women

Exclusions

1. Any critical illness arising due to any pre-existing disease
2. Any critical illness diagnosed within the first 90 days from the date of commencement of the policy
3. Intentional self-Injury and/or the use or misuse of intoxicating drugs and/or alcohol
4. Death of the insured person before survival period specified for specific diseases