Chola MS Hospital Cash Healthline Insurance Plan

Eligibility age

Minimum age- 18 years Maximum age- 65 years 5 years in case of children

Basis

Individual

Renewability

There is a lifetime indemnity limit in case the policy is renewed continuously

Premium

1. Rs 1000 per day
2. Convalescence benefit - Rs 10,000
3. Premium offered - Rs 776 to Rs 6947

1. Rs 2000 per day
2. Convalescence benefit - Rs 15,000
3. Premium offered - Rs 1342 to Rs 13,609

1. Rs 3000 per day
2. Convalescence benefit - Rs 20,000
3. Premium offered - Rs 1908 to Rs 20,272

Cover offered

1. Hospital Confinement Cash Benefit
2. Double confinement benefit - in case of ICU hospitalization
3. Convalescence Benefit - Lump sum payment for hospitalization beyond 20 days
4. Family Discount - 5% on the total premium for every additional insured

Discount

Up to 10% family discount on the premium paid

Benefits

1. A stipulated amount of money is paid to the policyholder during the entire period of hospital stay, for a stipulated period.
2. A daily cash amount for each continuous and completed period of 24 hours during hospitalization is provided, irrespective of the money spent.
3. The policyholder can also avail enhanced cash benefits on ICU admission
4. Both individual and family hospital cash insurance plans are available. Adults are entitled to 100% of the sum assured, children are offered 50% of the sum assured.
5. Quick and efficient settlement through Chola MS HELP
6. Simple paperwork and exemption from pre-policy medical check
7. Grace period of up tp 30 days for policy renewal

Exclusions

1. Any pre-existing condition(s), until 48 consecutive months of continuous coverage have elapsed, since inception of the first policy.
2. Any illness diagnosed or diagnosable within 30 days of the effective date of the policy period in case of first individual Hospital Cash benefit policy.
3. Hospitalization arising out of conditions that may be associated with the consumption of drugs or alcohol and similar intoxicants.
4. Procedures undertaken for cosmetic enhancement or weight loss

1. Cataract
2. Benign Prostatic Hypertrophy
3. Hysterectomy for Menorrhagia or Fibromyoma
4. Hernia or hydrocele
5. Fistula
6. Piles
7. Sinusitis & related disorders
8. Gallbladder stones.

1. Spondylitis/Spondilosis
2. Knee / Hip joint replacement
3. Internal congenital diseases
4. Osteoarthritis of any joint
5. Internal tumours, cysts, nodules, polyps including breast lumps (each of any kind unless malignant)
6. Gout & rheumatism
7. Surgery of varicose veins or ulcers
8. Surgery on tonsils
9. ENT disorders & surgery
10. Calculus diseases of gall bladder and urogenital tract
11. Gastric & duodenal ulcers
12. Surgery of genito urinary system
13. Surgery for prolapsed inter vertebral disk