| 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 |
