Chola MS Hospital Cash Healthline Insurance Plan

Taking the Hospital Cash Healthline insurance policy by Chola MS can prove to be helpful in case of hospitalization. The is an individual health insurance policy that provides fixed daily allowance to take care of miscellaneous expenses, for each completed 24 hours of hospitalization. In case hospitalization exceeds a period of 20 days, a lump sum amount is also paid as convalescence benefit. The policy offers three with varying levels of cover. Customers can avail this policy, based on their affordability, with premiums charged under Plan A, Plan B or Plan C.

Features and Benefits of Chola MS Hospital Cash Plan:

The features and benefits of Hospital Cash Healthline policy offered by Chola MS are mentioned below:

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 Plan A:
  • Rs 1000 per day
  • Convalescence benefit - Rs 10,000
  • Premium offered - Rs 776 to Rs 6947
Plan B:
  • Rs 2000 per day
  • Convalescence benefit - Rs 15,000
  • Premium offered - Rs 1342 to Rs 13,609
Plan C:
  • Rs 3000 per day
  • Convalescence benefit - Rs 20,000
  • Premium offered - Rs 1908 to Rs 20,272
Cover offered The policy offers insurance coverage under three different plans. Here are some things covered by the insurance policy:
  • Hospital Confinement Cash Benefit
  • Double confinement benefit - in case of ICU hospitalization
  • Convalescence Benefit - Lump sum payment for hospitalization beyond 20 days
  • Family Discount - 5% on the total premium for every additional insured
Discount Up to 10% family discount on the premium paid
Benefits The benefits of Chola MS Hospital Cash insurance policy are mentioned below:
  • A stipulated amount of money is paid to the policyholder during the entire period of hospital stay, for a stipulated period.
  • A daily cash amount for each continuous and completed period of 24 hours during hospitalization is provided, irrespective of the money spent.
  • The policyholder can also avail enhanced cash benefits on ICU admission
  • 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.
  • Quick and efficient settlement through Chola MS HELP
  • Simple paperwork and exemption from pre-policy medical check
  • Grace period of up tp 30 days for policy renewal
Exclusions Listed below are the exclusions that are not covered by the health insurance plan:
  • Any pre-existing condition(s), until 48 consecutive months of continuous coverage have elapsed, since inception of the first policy.
  • 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.
  • Hospitalization arising out of conditions that may be associated with the consumption of drugs or alcohol and similar intoxicants.
  • Procedures undertaken for cosmetic enhancement or weight loss
The following diseases are excluded during the first and second year of policy inception. Year One:
  • Cataract
  • Benign Prostatic Hypertrophy
  • Hysterectomy for Menorrhagia or Fibromyoma
  • Hernia or hydrocele
  • Fistula
  • Piles
  • Sinusitis & related disorders
  • Gallbladder stones.
Year Two:
  • Spondylitis/Spondilosis
  • Knee / Hip joint replacement
  • Internal congenital diseases
  • Osteoarthritis of any joint
  • Internal tumours, cysts, nodules, polyps including breast lumps (each of any kind unless malignant)
  • Gout & rheumatism
  • Surgery of varicose veins or ulcers
  • Surgery on tonsils
  • ENT disorders & surgery
  • Calculus diseases of gall bladder and urogenital tract
  • Gastric & duodenal ulcers
  • Surgery of genito urinary system
  • Surgery for prolapsed inter vertebral disk

Disclaimer: The Company may, from time to time and subject to IRDA approval, revise premium rates based on experience. The premium rates, terms and conditions at the time of renewal shall apply Kindly read the terms and conditions in the policy document carefully before availing the insurance policy.

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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