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Chola MS Individual Healthline Health Insurance Plan

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Chola MS Individual Healthline is one of the health insurance policies offered by Chola MS. Chola MS Individual Healthline policy covers hospitalization expenses in addition to any incidental expenses, maternity expenses and expenses related to contact lens, spectacles and so forth. Chola MS Individual Healthline policy also covers general health check-up (once in two claim free years)

Features & Benefits of Chola MS Individual Healthline Plan:

The features of Chola MS Individual Healthline health insurance are as listed below:

Entry age The entry age for various individuals are listed below:
Category Minimum Maximum
Spouse/self/In-laws/parents 18 years 65 years
Child 3 months 35 years
Variants
  • Standard Individual Healthline insurance policy
  • Superior Individual Healthline insurance policy
  • Advanced Individual Healthline insurance policy
Sum Insured The following table shows sum insured for all the three variants
Standard Superior Advanced
Rs.1 to 5 lakhs Rs.3.5 to 5.5 lakhs Rs.4.5 to Rs.10
Features
  • Purchase of policy for the first time till 65 years
  • Providers cover for 141 day care procedures
  • No medical check-up till 55 years
  • Customers do not have to submit any documents for online purchase
  • Policy can be renewed online before 90 days of policy end
  • Cashless hospitalization at 2,600 hospitals
  • Customers can customize their policy according to their family
Coverage The following table shows the coverage provided by Chola MS Individual Healthline policy
Hospitalization expenses
  • Intensive Care Unit
  • Doctors’ fees
  • Boarding
  • Nursing expenses
  • Plaster casts
  • Physical Therapy
  • X-rays
  • Splints
  • Organ transplantation
  • Prosthetic devices
Pre-hospitalization expenses Up to 60 days
Post-hospitalization expenses Up to 90 days
Emergency ambulance expenses and 141 day care procedures are also covered under this plan
Benefits The benefits offered by advanced individual healthline insurance policies are as follows:
  • Hospitalization expenses
  • Post and pre-hospitalization
  • Emergency Ambulance
  • External aids
  • Daily Cash for shared accommodation
  • Minor Accompaniment Daily Cash
  • General Health Check up
  • Maternity Expenses
  • Home Hospitalization
  • OPD Dental
  • Ayurvedic Treatments
Superior individual healthline insurance policies offer all the above benefits except Ayurvedic treatments, external aids and OPD Dental Standard individual healthline insurance policies offer all the above benefits except Minor daily cash, maternity expenses, OPD dental, home hospitalization and ayurvedic treatments The following table shows some of the benefits offered by all the three variants in the policy
Feature Standard Superior Advanced
Daily Cash for share rooms Rs.250 per day Rs.500 per day Rs.500 per day
Maternity Expenses - Rs.15,000 (natural) Rs.25,000 (caesarean) Rs. 25,000 (natural) Rs.40,000 (caesarean)
Emergency Ambulance Rs.1000 per year Rs.2000 per year Rs.3000 per year
Health Check-up 0.5% of the sum insured 0.75% of the sum insured 1.0% of the sum insured
Renewal Lifetime
Premium The following table* shows the premium rates for standard Chola MS Individual Healthline policy
Premium Age Sum Insured (Rs.300,000) Sum Insured (Rs.5,00,000)
18-25 2669 1785
61-65 20984 12316
The following table* shows the premium rates for superior Chola MS Individual Healthline policy
Premium Age Sum Insured (Rs.3,50,000) Sum Insured (Rs.5,50,000)
18-25 5905 7542
61-65 23942 32919
The following table* shows the premium rates for advanced Chola MS Individual Healthline policy
Premium Age Sum Insured (Rs.4,50,000) Sum Insured (Rs.10,00,000)
18-25 5422 2153
*The aforementioned rates are only indicative and not exhaustive. Please contact the insurance provider for details
Claims Cashless claims settlement is provided subject to terms and conditions. Customers can avail of direct claims settlement without the support of any third party administrators
Exclusions
  • First 30 days of commencement of policy commencement except accident cases
  • Pre-existing conditions until four years of coverage from policy date commencement
List of diseases excluded in the second year of policy commencement are as follows:
  • Spondylitis
  • Hip joint replacement
  • Osteoarthritis
  • Gastric ulcers
  • Tumours
  • Cysts
  • Breast lumps
  • Rheumatism
  • Surgery of genitourinary system, vertebral disk, varicose veins and tonsils
List of diseases excluded in the first year of policy commencement are as follows:
  • Cataract
  • Piles
  • Hysterectomy
  • Benign Prostatic Hypertrophy
  • Hernia
  • Gallstones
  • Fistula
  • Sinusitis

Disclaimer: Please read the terms and conditions in the policy document carefully before signing up

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.

This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

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