Chola MS Healthline Health Insurance Plan

Min - 18 years Max - 65 years Dependent children within 3 months to 26 years, dependent girl child up to 35 years

Individual

Lifetime renewability option

1. 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.
2. Day care hospitalization
3. Dental surgery or eye care treatment after 3 years of continuous policy coverage.
4. Pregnancy and child birth related issues after 5 years of continuous policy coverage.
5. Cover for Ayurvedic treatments.
6. Pre hospitalization expenses up to 60 days.
7. Post hospitalization expenses up to 90 days.
8. Emergency ambulance.
9. Home hospitalization as per policy wordings.

1. Cashless hospitalization in any of the network hospitals.
2. Tax exemptions as per Section 80D of the Income Tax Act, 1961.
3. No medical checkup till 55 years, post that 50% of expenses to be reimbursed on purchase of policy.
4. 141 daycare procedures covered that require less than 24 hours of hospitalization.
5. Flexibility in choosing plan from 3 options available under the policy.
6. Claim free bonus that enhances sum assured.
7. Health alerts.

1. Pre-existing diseases not covered until 48 months of continuous policy coverage.
2. 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.
3. 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.
4. Sickness classified as epidemic.
5. 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.
6. Circumcision unless for treatment of a disease.
7. HIV AIDS and related conditions.
8. Conditions arising out of war, invasion.
9. IVF, GIFT or ZIFT procedures.
10. Drug use.