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Chola MS Healthline Health Insurance Plan

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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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