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 , 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

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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