• Chola MS Healthline Health Insurance Plan

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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    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. This health insurance 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.

    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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    Popular Health Insurance Reads

    Chola MS Healthline Health Insurance Plan Reviews

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    • Page 1 of 1
    • Chola Ms Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health Insurance with Cholamandalam General insurance I need not pay a premium for the same as i am an employee of then insurance company.The response is good and prompt.I get a good policy coverage amount.I don't have claim experience with them.
      Was this review helpful? 0

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      , chennai
      Reviewed on Jan 04, 2018
    • Chola Ms Health Insurance
      "Best policy to use"
      0.5 5.0/5 "Blown Away!"
      I have the health insurance policy with Cholamandalam for past 3years. The customer support is very good with Cholamandalam health insurance . This policy covers 3members in my family. This policy has the medical claim upto Rs,1,25,000. I dont have any claim experience with this policy. I am satisfied with the health insurance policy.
      Was this review helpful? 0

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      , chennai
      Reviewed on Nov 09, 2017
    • Chola Ms Health Insurance
      "Good policy for safety."
      0.5 5.0/5 "Blown Away!"
      The Company has provided me the health insurance from Cholamandalam general insurance company. This policy covers 4 members, which is myself and my family. I will be getting the medical coverage up to 2lakhs. The company pays for the policy to renew it. I hold this policy for around 8 Years. I never had any claim experience so far. I am happy holding this safety policy with Cholamandalam.
      Was this review helpful? 0

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      , nasik
      Reviewed on Aug 21, 2017
    • Chola Ms Health Insurance
      "Not a good choice"
      0.5 3.0/5 "Satisfactory"
      I am having health insurance company with Cholamandalam general insurance company and its been provided by my employer and am with them from the last twelve years of time, also it covers full of my family. Recently, I have claimed for my father and I have got around 50% of money as reimbursement due to some lacking of documentation. I would like to suggest that they need to focus on the customer, also they need to enhance their diversity across all geographical location.
      Was this review helpful? 0

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      , gurgaon
      Reviewed on Mar 18, 2017
    • Chola Ms Health Insurance
      "Fantastic"
      0.5 4.0/5 "Great!"
      I do have the health insurance policy with the Cholamandalam general insurance company and am having it from the last six years of time. Response is very good with them and the medical coverage is around 5 lakh Rupees for myself , family.
      Was this review helpful? 0

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      , salem
      Reviewed on Feb 25, 2016
    • Chola Ms Health Insurance
      "Satisfied.."
      0.5 4.0/5 "Great!"
      The executives are coming to our office and doing needful. I am getting this health insurance for my parents as well. Yearly the medical coverage is three lakhs. Death coverage is about 45lakhs. All the diseases are being covered by Cholamandalam health insurance.
      Was this review helpful? 0

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      , bangalore
      Reviewed on Jan 13, 2016
    • Chola Ms Health Insurance
      "Health insurance"
      0.5 3.0/5 "Satisfactory"
      Chola mandalam health insurance has offered me some policy papers. I dont have claim experience. I am supposed to pay rs 6000 in one year, Every year I had to renew it and towards the end they have offered me around 2 lakhs medical coverage for my health. There is no drawback no issues
      Was this review helpful? 1

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      , mumbai
      Reviewed on Nov 19, 2015
    • Chola Ms Health Insurance
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My health insurance is from Cholamandalam general insurance. It is a corporate insurance. I have a coverage for my family and my parents as well. I also had a claim experience. The process was smooth. It was a cashless benefit. I only had to pay 1 to 2K for the mandatory charges.They have a connect with all the major hospitals.
      Was this review helpful? 0

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      , bangalore
      Reviewed on Nov 04, 2015
    • Chola Ms Health Insurance
      "Get ayurvedic treatment .."
      0.5 5.0/5 "Blown Away!"
      As due the reason of low coverage I have dropped the health insurance with other insurance company. Premium is fine but coverage amount is not reasonable. Ayurvedic treatment is too included and this is good benefit. We can get treatment in Ayurvedic hospitals as Cholamandalam General Insurance is good.
      Was this review helpful? 0

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      , pune
      Reviewed on Oct 28, 2015
    • Chola Ms Health Insurance
      "Taken through Company "
      0.5 5.0/5 "Blown Away!"
      My company will pay for the premium amount on my health insurance policy which is from CHOLAMANDALAM GENERAL INSURANCE. For the past four years I am holding this policy which will covers all my family members in it. Last year I made a claim for my spouse pregnancy.
      Was this review helpful? 0

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      , new delhi
      Reviewed on Oct 24, 2015
    • Chola Ms Health Insurance
      "Great Experience..."
      0.5 5.0/5 "Blown Away!"
      I had a company provided health insurance from cholamandalam insurance. I was informed that I can claim up to 1lakh. I had a good claim experience. To avail the service, I just gave my insurance number. They took care of the process, I had no paper works, It was easy to claim.
      Was this review helpful? 0

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      , mysore
      Reviewed on Sep 09, 2015
    • Chola Ms Health Insurance
      "Average"
      0.5 1.0/5 "Really Bad"
      I had the bad experience with the Cholamandalam general insurance company. I had claim experience with them like I had submitted all the documents with them but in my office they sent those documents in late, so i dint get any benefits from them.
      Was this review helpful? 0

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      , coimbatore
      Reviewed on Sep 09, 2015
    • Chola Ms Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance with the Cholamandalam insurance company. Its been provided by my employer. The services are good with them and I dont have any claim experience with them. They have given the maximum reimbursement as 1.5 lakhs in my office. Cashless treatments is not with them thats the drawback with them.
      Was this review helpful? 0

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      , chennai
      Reviewed on Aug 29, 2015
    • Chola Ms Health Insurance
      "Good plan "
      0.5 4.0/5 "Great!"
      I have been using this health Insurance with CHOLAMANDALAM Insurance for last 4-5years.The customer service provided was really good and the executives are guiding the customer in good manner.They do offer a coverage amount of 2Lakh in this Insurance.They have several network hospitals in this insurance.
      Was this review helpful? 0

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      , kanpur
      Reviewed on Aug 13, 2015
    • Chola Ms Health Insurance
      "Satisfied..."
      0.5 4.0/5 "Great!"
      Cholamandalam general insurance is good for health insurance and it was opened by my company. This is actually a family floater and overall the medical coverage is 1.5lakhs. Network hospitals are wide in cities. Whatever the issues we have, just our HR is taking care but getting mails from Cholamandalam.
      Was this review helpful? 0

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      , chennai
      Reviewed on Jun 30, 2015
    • Chola Ms Health Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      Its very good and time consuming they came to my place and explained about the things and they filled the forms and explained in detail about the accidental insurance the total amount is 10 lakhs and yearly we pay 4000 for 5 years and its for me and my family
      Was this review helpful? 1

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      , nagpur
      Reviewed on Jul 08, 2014
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