Chola MS Healthline Health Insurance Plan

Eligibility age

Min – 18 years

Max – 65 years

Dependent children within 3 months to 26 years, dependent girl child up to 35 years

Basis

Individual

Premium

Standard Individual Healthline Plan

Superior Individual Healthline Plan

Advanced Individual Healthline Plan

Sum assured

Min – Rs.3.5 lakhs

Max – Rs.10 lakhs per person

Policy term

1 year

Renewability

Lifetime renewability option

Cover offered

• General hospitalization expenses including room, boarding, doctor fees, ICU, nursing expenses, physical therapy, surgical fees, drugs, medical miscellaneous costs, dressing, prosthetic devices, organ transplantation etc.

• Day care hospitalization

• Dental surgery or eye care treatment after 3 years of continuous policy coverage.

• Pregnancy and child birth related issues after 5 years of continuous policy coverage.

• Cover for Ayurvedic treatments.

• Pre hospitalization expenses up to 60 days.

• Post hospitalization expenses up to 90 days.

• Emergency ambulance.

• Home hospitalization as per policy wordings.

Discount

Applicable on premium if paying 10% as co-payment on all claims under the policy

Benefits

• Cashless hospitalization in any of the network hospitals.

• Tax exemptions as per Section 80D of the Income Tax Act, 1961.

• No medical checkup till 55 years, post that 50% of expenses to be reimbursed on purchase of policy.

• 141 daycare procedures covered that require less than 24 hours of hospitalization.

• Flexibility in choosing plan from 3 options available under the policy.

• Claim free bonus that enhances sum assured.

• Health alerts.

Exclusions

The following exclusions are in effect:

• Pre-existing diseases not covered until 48 months of continuous policy coverage.

• Treatment of diseases like cataract, hernia, arthritis, stones, joint replacements, tonsil or sinus surgery, piles, gastric and duodenal ulcers etc. within the 1^st policy year.

• Treatment of diseases like spondylitis, knee/joint replacement, ulcers, nodules, cysts, breast lumps, gout, ENT disorders and surgery varicose veins or ulcers surgery, tonsil surgery etc. within 2 years of policy purchase.

• Sickness classified as epidemic.

• Expenses resulting from health issues within 30 days of purchase pf plan, except in cases of accident. On renewal, the 30 days waiting period does not exist.

• Circumcision unless for treatment of a disease.

• HIV AIDS and related conditions.

• Conditions arising out of war, invasion.

• IVF, GIFT or ZIFT procedures.

• Drug use.