You need health cover regardless of what you take two at a time - pills or stairs.
  • Chola MS Healthline Health Insurance Plan

    Chola Ms Health Insurance

    This is a comprehensive health insurance policy that offers hospitalization cover as well as cover for related expenses. The policy offers wide coverage that also includes maternity and related expenses, hearing aids, contact lens and specs, among others. The plan can be chosen for a specific sum insured and offers online registration through simple steps. The policyholder can include dependent children under this policy. The maximum sum assured offered under this policy is Rs. 10 lakhs.

    Features & Benefits of Chola MS Individual Healthline Plan:

    The features of this plan are as follows:

    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

    Age (years)

    Sum Assured (Rs.)

    Rs.3 lakhs

    Rs.4 lakhs

    Rs.5 lakhs

    Less than 18

    2331

    2877

    3330

    18 – 25

    4200

    5334

    6283

    26 – 30

    4604

    5866

    6920

    31 – 35

    5038

    6437

    7603

    36 – 40

    5595

    7170

    8484

    41 – 45

    6769

    8714

    10333

    46 – 50

    8538

    11039

    13118

    51 – 55

    10694

    13873

    16512

    56 – 60

    14449

    18630

    22096

    61 – 65

    18327

    23730

    28202

    66 – 70

    26917

    35021

    41730

    Superior Individual Healthline Plan

    Age (years)

    Sum Assured (Rs.)

    Rs.3.5 lakhs

    Rs.4.5 lakhs

    Rs.5.5 lakhs

    Less than 18

    2791

    3314

    3635

    18 – 25

    5157

    6024

    6587

    26 – 30

    5889

    6913

    7583

    31 – 35

    6581

    7802

    8579

    36 – 40

    7632

    9119

    70058

    41 – 45

    8508

    10213

    11284

    46 – 50

    9577

    11830

    13225

    51 – 55

    11536

    14276

    15965

    56 – 60

    17342

    21441

    23759

    61 – 65

    20910

    25895

    28750

    66 – 70

    30792

    38269

    42552

    Advanced Individual Healthline Plan

    Age (years)

    Sum Assured (Rs.)

    Rs.4.5 lakhs

    Rs.5.5 lakhs

    Rs.7.5 lakhs

    Rs.10 lakhs

    Less than 18

    4735

    5230

    5719

    7121

    18 – 25

    8299

    9095

    10080

    12509

    26 – 30

    9188

    10091

    11185

    14042

    31 – 35

    10077

    11087

    12291

    15574

    36 – 40

    11992

    13235

    14698

    18663

    41 – 45

    13086

    14461

    16059

    20549

    46 – 50

    14938

    16753

    18846

    24753

    51 – 55

    17384

    19493

    21888

    28970

    56 – 60

    26517

    29360

    32656

    42320

    61 – 65

    30971

    34351

    38196

    50001

    66 – 70

    45883

    50953

    56721

    74427

    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 1st 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.

    *The information listed here is as per the latest data. You should read the policy documents carefully before making a decision on buying a health insurance policy.

    Other Health Insurance Plans from Chola MS:

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