You need health cover regardless of what you take two at a time - pills or stairs.

    • Chola MS Family Healthline Health Insurance Plan

    Chola MS Family Healthline Insurance is a floater plan meant for both ayurvedic and allopathic systems of treatments. Family members such as children and spouse can also be included in one policy. Chola MS family healthline insurance policy provides cover for maternity expenses, spectacles, hearing aids, dental treatments in addition to hospitalization expenses.

    Check Your Eligibility

    Features & Benefits of Chola MS Family Healthline policy:

    The salient features are listed in the table below:

    Entry age

    The entry age for various individuals are listed below:

    Category

    Minimum

    Maximum

    Spouse/self

    18 years

    65 years

    Child

    3 months

    26 years

    Sum insured

    Up to Rs.15 lakhs (floater sum)

    Features

    • Purchase of policy for the first time till 65 years

    • No medical check-up till 55 years

    • Cashless hospitalization at 2,600 hospitals

    • Customers can avail of an increase in sum insured for claim free year

    • Policyholders can customize their policy according to their family requirements

    • Providers cover for 141 day care procedures

    Renewal

    Lifelong

    Variants

    • Standard Chola MS Family Healthline policy

    • Superior Chola MS Family Healthline policy

    • Advanced Chola MS Family Healthline policy

    Coverage

    The following table shows the coverage provided by Chola MS Family Healthline policy

    Hospitalization expenses

    • Doctors’ fees

    • Boarding

    • Nursing expenses

    • Intensive Care Unit

    • Operating theatre fees

    • Therapy

    • X-rays

    • Plaster casts

    • Splints

    • Organ transplantation

    • Prosthetic devices

    Pre-hospitalization expenses

    Up to 60 days

    Post-hospitalization expenses

    Up to 90 days

    Other services

    • Emergency ambulance expenses

    • 141 day care procedures

    Bonus

    5% of the sum insured for every claim less year

    Benefits

    The following table shows the benefits* offered by all the three variants in the policy

    Feature

    Standard

    Superior

    Advanced

    Health Check-up

    0.5% of the sum insured

    0.75% of the sum insured

    1.0% of the sum insured

    Daily Cash for share rooms

    Rs.250 per day

    Rs.500 per day

    Rs.500 per day

    Emergency Ambulance

    Rs.1000 per year

    Rs.2000 per year

    Rs.3000 per year

    Boarding & Nursing Expenses

    Up to Rs.3000 per day

    Up to Rs.3000 per day

    1% of sum insured

    Maternity Expenses

    Rs.15,000 (natural) Rs.25,000 (caesarean)

    Rs. 25,000

    (natural)

    Rs.40,000

    (caesarean)

    Claim free bonus reduction

    5%

    5%

    5%

    *Indicative list only and not exhaustive

    Exclusions

    • Pre-existing conditions until four years of coverage from policy date commencement

    • First 30 days of commencement of policy commencement except accident cases

    List of diseases excluded in the first year of policy commencement are as follows:

    • Cataract

    • Piles

    • Hysterectomy

    • Benign Prostatic Hypertrophy

    • Hernia

    • Gallstones

    • Fistula

    • Sinusitis

    List of diseases excluded in the second year of policy commencement are as follows:

    • Spondylitis

    • Hip joint replacement

    • Osteoarthritis

    • Gastric ulcers

    • Tumours

    • Cysts

    • Breast lumps

    • Rheumatism

    • Surgery of genitourinary system, vertebral disk, varicose veins and tonsils

    Premium

    The following table* shows the premium rates for standard Chola MS Family Healthline policy

    Premium

    Age

    Sum Insured (Rs.200,000)

    Sum Insured

    (Rs.5,00,000)

    18-35

    5956

    9481

    66-70

    47060

    82420

    The following table* shows the premium rates for superior Chola MS Family Healthline policy

    Premium

    Age

    Sum Insured

    (Rs.400,000)

    Sum Insured

    (Rs.10,00,000)

    18-35

    10716

    23933

    66-70

    73790

    172275

    The following table* shows the premium rates for advanced Chola MS Family Healthline policy

    Premium

    Age

    Sum Insured

    (Rs.600,000)

    Sum Insured

    (Rs.15,00,000)

    18-35

    19063

    36170

    66-70

    113625

    264590

    *The aforementioned rates are only indicative and not exhaustive. Please contact the insurance provider for details

    Claims

    Customers can settlement their claims directly without third party administrators

    Disclaimer: Please read the terms and conditions in the policy document carefully before signing up

    Also Read: How to File a Claim with Chola MS Health?

    Other Health Insurance Plans from Chola MS:

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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