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.

Chola MS Family Healthline Health Insurance Plan

Features & Benefits of Chola MS Family Healthline policy:

Other Health Insurance Plans from Chola MS:

Resources

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