Chola MS Family Healthline Health Insurance Plan

Category

Minimum

Spouse/self

18 years

Child

3 months

Sum insured

Up to Rs.15 lakhs (floater sum)

Features

1. Purchase of policy for the first time till 65 years
2. No medical check-up till 55 years
3. Cashless hospitalization at 2,600 hospitals
4. Customers can avail of an increase in sum insured for claim free year
5. Policyholders can customize their policy according to their family requirements
6. Providers cover for 141 day care procedures

Renewal

Lifelong

Variants

1. Standard Chola MS Family Healthline policy
2. Superior Chola MS Family Healthline policy
3. Advanced Chola MS Family Healthline policy

Hospitalization expenses

1. Doctors' fees
2. Boarding
3. Nursing expenses
4. Intensive Care Unit
5. Operating theatre fees
6. Therapy
7. X-rays
8. Plaster casts
9. Splints
10. Organ transplantation
11. Prosthetic devices

Pre-hospitalization expenses

Up to 60 days

Post-hospitalization expenses

Up to 90 days

Other services

1. Emergency ambulance expenses
2. 141 day care procedures

Bonus

5% of the sum insured for every claim less year

Feature

Standard

Health Check-up

0.5% of the sum insured

Daily Cash for share rooms

Rs.250 per day

Emergency Ambulance

Rs.1000 per year

Boarding & Nursing Expenses

Up to Rs.3000 per day

Maternity Expenses

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

Claim free bonus reduction

5%

Exclusions

1. Pre-existing conditions until four years of coverage from policy date commencement
2. First 30 days of commencement of policy commencement except accident cases

1. Cataract
2. Piles
3. Hysterectomy
4. Benign Prostatic Hypertrophy
5. Hernia
6. Gallstones
7. Fistula
8. Sinusitis

1. Spondylitis
2. Hip joint replacement
3. Osteoarthritis
4. Gastric ulcers
5. Tumours
6. Cysts
7. Breast lumps
8. Rheumatism
9. Surgery of genitourinary system, vertebral disk, varicose veins and tonsils

Claims

Customers can settlement their claims directly without third party administrators