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  • Chola MS Critical Healthline Health Insurance Plan

    Chola Ms Health Insurance

    The Critical Healthline insurance policy by Chola MS offers complete medical cover, loss of income, mortgage repayments, educational expenses, etc. Other than that, the policy also offers a lump sum payment in order to manage expenses incurred due to critical illnesses, and other financial commitments. Upon continuous renewal, the policy offers lifetime indemnity. The maximum sum insured offered by the policy is Rs. 10 lakhs.

    Features and Benefits of Chola MS Critical Healthline:

    The features and benefits of Critical Healthline policy offered by Chola MS are mentioned below:

    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

    Standard Premium:

    • Men - Rs 840 to Rs 66,615

    • Women - Rs 790 to Rs 60,509

    Advanced Premium:

    • Men - Rs 946 to Rs 67,244

    • Women - Rs 854 to Rs 61,101

    Cover offered

    The policy offers insurance coverage for two options - standard and advanced - based on the number of critical illnesses covered.

    Standard Plan:

    • Cancer

    • Stroke

    • First heart attack

    • Open chest CABG

    • Renal failure

    • Multiple sclerosis

    • Major organ/bone marrow transplant

    • Permanent paralysis of the limbs

    • Primary pulmonary hypertension

    • Surgery to the aorta

    Advanced Plan:

    • Cancer

    • Stroke

    • First heart attack

    • Open chest CABG

    • Renal failure

    • Multiple sclerosis

    • Major organ/bone marrow transplant

    • Permanent paralysis of the limbs

    • Primary pulmonary hypertension

    • Surgery to the aorta

    • Parkinson’s disease

    • Motor neuron disease with permanent symptoms

    (In the advanced plan, emergency ambulance costs amounting to Rs 1000 per policy year is also covered)

    Benefits

    The benefits of Chola MS Critical Healthline insurance policy are mentioned below:

    • First time purchase up to 65 years

    • No Medical checkup up to 55 years

    • Lifetime Policy Renewal

    • Flexible Sum insured

    • Proof of expenses / hospitalization bills not required for claims

    • Income Tax exemption up to RS.20,000

    • Lump sum benefit available on the first diagnosis of any of the critical illnesses covered in the plan.

    • Differential rates for men and women

    Exclusions

    Listed below are the exclusions that are not covered by the insurance plan.

    • Any critical illness arising due to any pre-existing disease

    • Any critical illness diagnosed within the first 90 days from the date of commencement of the policy

    • Intentional self-Injury and/or the use or misuse of intoxicating drugs and/or alcohol

    • Death of the insured person before survival period specified for specific diseases

    Disclaimer: The Company may, from time to time and subject to IRDA approval, revise premium rates based on experience. Kindly read the terms and conditions in the policy document carefully before availing the insurance policy

    Other Health Insurance Plans from Chola MS:

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