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

    Features & Benefits of Chola MS Family Healthline policy:

    The salient health insurance 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

    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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